Did you know that your Cessation Insurance can be a real financial support if you lose your job? 🤔
Unfortunately, many workers in Chile are unaware of how this benefit works or even know how much money they have accumulated in the Individual Account by Cesantía (CIC).
Keeping yourself informed about your balance and rights is essential to ensure peace of mind during times of transition. Therefore, in this article, you will learn How to check your Cesantía Insurance balance, which channels to use and how to plan to use this resource in the best way.
✅ What is Cessation Insurance and the Cessation Individual Account (CIC)?
O Cessation Insurance is a system administered by AFC Chile (Administradora de Fondos de Cesantía), created to financially support formal workers in the event of unemployment. Each month, both the employer and the worker make contributions to the Individual Account by Cesantía (CIC).
When an involuntary job loss occurs, the balance available in this account is used to make monthly payments to the worker.
Furthermore, there is the Fondo de Cesantía Solidario (FCS), which serves as a supplement when the CIC balance is not sufficient.
👉 Why is it important to check your CIC balance?
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Check that deposits are being made correctly.
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Monitor profitability and balance growth.
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Plan how to use your unemployment benefit.
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Have clarity on how long you will be able to receive monthly payments.
📲 Main ways to check your Cesantía Insurance balance
Currently, the AFC Chile offers several practical ways for you to check your balance. Individual Account by Cesantía:
1️⃣ Online Consultation via Virtual Branch
The fastest and most practical way! Through Virtual Branch of Affiliates, you can check your balance at any time.
👉 Step by step:
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Visit the official website: www.afc.cl
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Click on “Affiliated Virtual Branch”.
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Log in with your RUT and personal password or using the SingleKey.
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From the menu, select “My Cesantías” to view:
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Current CIC balance.
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Transaction history.
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Fund profitability.
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Top hats available for download.
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Advantages:
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24-hour access.
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Simple and secure consultation.
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Option to download statements for personal control.
2️⃣ In-Person Consultation at AFC Chile Agencies
If you prefer personalized service, you can visit an AFC agency.
👉 Step by step:
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Find the nearest agency: www.afc.cl/sucursales
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Take your identity card.
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Ask the attendant to check your CIC balance.
Ideal for:
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Complex doubts.
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Information update.
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Guidance on how to apply for the benefit.
3️⃣ Telephone Consultation
If you do not have internet access at the moment, you can also check your balance by phone.
👉 How to do it:
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Call toll free:
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By landline: 800 800 232.
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From mobile: 44 202 1100.
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Report your RUT and other data requested for identity verification.
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A consultant will inform you of the available balance.
4️⃣ Informative Top Hats
Periodically, the AFC sends informative top hats with all your account details.
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Annual Top Hat: sent in February.
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Four-Quarterly Top Hats: sent in July and October.
You can also access these top hats at any time at Virtual Branch.
Why consult these top hats?
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To check all deposits.
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To check the fund's performance.
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To track your balance usage if you are receiving the benefit.
❓ Frequently Asked Questions
How long can I receive Cesantía Insurance?
It depends on your account balance and the type of contract you had. In general, payments last between 3 to 5 months, which can be complemented with the Solidarity Cesantization Fund.
What if my balance is insufficient?
You can appeal to the FCS, as long as it meets the established requirements.
Can I check my balance even if I am employed?
Yes! Any worker affiliated with AFC can check their CIC balance at any time.
How do I know if my employer is paying me correctly?
Just check the online statement or the informative hat.
📌 Final recommendations
✅ Check your balance periodically — at least every 2 or 3 months.
✅ Always check that deposits are correct.
✅ Keep your data updated in the AFC system.
✅ Keep your top hats as personal control.
🏁 Conclusion
To know How to check the Cesantía Insurance balance is an essential step to ensure your financial security in Chile. The process is simple and accessible to all formal workers. With online tools, telephone support and in-person service, AFC Chile offers all the facilities so that you can closely monitor your Individual Account by Cesantía.
Don't put it off — check your CIC balance today and have the peace of mind of knowing that you are well supported if you need to resort to this important benefit.
