Innovations in extending social insurance coverage to independent workers
25
5.3.  Challenges
The progress achieved by Cape Verde in extending coverage to independent workers has  occurred  rapidly.  However,  a  significant  part  of  the  extension  strategy  has  yet  to  be
implemented. As  progress continues,  INPS  will probably  face  growing  difficulty  in increasing  the
number of contributors due to the fact that independent workers who remain excluded will have  their  precarious  working  conditions  worsened,  which  evidently  increases  the
registrations marginal cost. Nevertheless, within the context of sub-Saharan Africa, Cape Verde is an exceptional case in terms of recent innovations and experiences in extending
social insurance coverage to independent workers.
26
Colombia – Best practice in independent workers coverage
6. Colombia
– Best practice in independent workers coverage
6.1.  Characterization of the Colombian Social Security System
The  major  milestone  in  the  recent  development  of  the  Colombian  Social  Security System is the enactment of Law n. º 100, of 1993
1
Law n.º 797, of 2003 revoked some of its  provisions,  re-establishing  pre-existing  laws  and introducing  changes  with  the  aim  of
increasing population coverage. Thanks  to  this  reform,  two  schemes  were  established:  the  contributory  scheme,
directed  at  people  with  economic  capacity  to  contribute  to  social  security,  and  the  non- contributory State subsidized scheme, for all those lacking such a capacity. Formally, the
Colombian  social  security  system  comprises  three  main  pillars,  summarily  explained  in table 4.
Table 5. Colombia: Components of the Social Security System
System General System of Social
Security in Health SGSSS General System of Pensions
General System of Occupational Hazards
SGRP
Description
System responsible for the regulation of health services,
and the promotion of population access at every level, in
addition to the granting of cash benefits for disability, and
maternity leaves to those belonging to the contributory
scheme. System whose purpose is to
protect the whole of the population against
contingencies stemming from old age, disability, and death,
based on the acknowledgement of the pensions and benefits
established by law. It is the scheme
protecting registered workers against working
contingencies, such as work accidents or
occupational diseases.
Note: In addition, other systems are acknowledged, such as the Family Subsidy System, and the Unemployment Benefit System, which are irrelevant for the purposes of this paper.
Source: Bertranou, 2009.
Generally,  the  health  and  pensions  subsystems  have  had  the  most  impact  in Colombia,  with  a  number  of  common  features  between  them.  Such  subsystems  are  the
most relevant for the purposes of this paper. It is on their basis that we analyse the situation of  independent  workers,  coverage  indicators,  and  the  most  significant  elements  of  such
contributors coverage.
6.2.  Independent work in Colombia
According to the data given by the National Administrative Department of Statistics 2010,  in  the  course  of  the  period  December  2009  -  February  2010,  the  total  employed
population  numbered  18,742,208  people,  of  which  around  54  per  cent  are  independent workers, as illustrated in figure 5.
1
Congress  of  Colombia.  Law  n.  º  100,  of  December  23,  1993,  which  creates  the  Integral  Social Security System, and establishes further provisions.