Unemployment Insurance (Seguro de Desempleo) is a contributory program
launched in 1993.
Employment insurance (El) is offered through a national, public contributory program
to all employees, but tightened eligibility requirements and cutbacks in the 1990s have made it more difficult for an increasing number of employees to claim benefits (Baker & Tippin, 1999).
However, I argued that Employment Insurance and the Quebec/Canada Pension Plan should be maintained even if an expanded cash transfer program were implemented, since both are contributory programs
that serve to maintain workers' accustomed living standards when their earnings are disrupted.
Voluntary group disability insurance (with premiums paid solely by employees) and contributory programs
(with costs shared by employees and employers) are two options that should be considered as potential solutions to help decision makers achieve peace of mind and address concerns about cost.