Caja de Previsión y Seguridad Social para Profesionales de Tucumán

What Caja de Previsión y Seguridad Social para Profesionales de Tucumán does

The Caja de Previsión y Seguridad Social para Profesionales de Tucumán is a mandatory provincial social security fund for independent licensed professionals in Tucumán Province, Argentina. Established by Law 6953 (promulgated April 22, 1999) and modified by Law 7089, it operates as a public non-state legal entity (Persona Jurídica de Derecho Público no estatal) with constitutional autonomy under Article 125 of the Argentine National Constitution and Article 40 of the Tucumán Provincial Constitution. Its governing bodies — the Assembly, a five-member Board of Directors plus two retired-member representatives, and the Syndicate — are staffed by the 20+ member professional colleges (e.g., Odontólogos, Psicólogos, Arquitectos, Bioquímicos, Ingenieros Civiles, Kinesiólogos, Veterinarios) that collectively anchor its institutional structure.

The fund's core products are retirement and survivor benefits (Jubilación Ordinaria at 30 years of contributions and age 65; Jubilación Parcial at 10 years; Jubilación por Incapacidad; Pensión por Fallecimiento at 70–90% of pension depending on beneficiaries), plus subsidies for marriage, birth, and death ($200,000 per event from March 2025), post-natal income support, and economic loans of up to ARS 5,000,000 at Badlar + 10 percentage points. The 71,723.82 m² Loteo Los Nogales I real estate development extends the offering with an exclusive land allocation for affiliates. Underlying technology is conventional: an online self-service portal (Mi Cuenta y Boleta Electrónica) at caja.sinetcomsc.com.ar for account management, electronic billing, and payments, supported by integrations with VISA credit cards, CBU automatic debit, Banco Macro, Banco Galicia, Rapipago, Pago Fácil, and Pago Mis Cuentas.

Revenue is generated primarily through mandatory monthly member contributions across six active categories (A, B, C, E1, E2, E3) tiered by age bracket — ranging from ARS 29,950/month (Category A, age ≤30) to ARS 407,200/month (Category E3, age 56–65) — supplemented by transaction-fee streams: 10% on judicial honorarios, 2–5% progressively on health insurance premiums paid to affiliates, 2% on pharmaceutical lab prescriptions, 5% on third-party professional fees, 10% on work accident insurance honorarios, and per-bed contributions from private healthcare institutions. The Caja distributes services through a single headquarters office (Av. Sarmiento 916, San Miguel de Tucumán), a WhatsApp consultation channel (381 567-2995), the online portal, and the network of member professional colleges, serving 7,000+ active affiliates with only 9 internal employees.

Name

Caja de Previsión y Seguridad Social para Profesionales de Tucumán

Legal name

Caja de Previsión y Seguridad Social para Profesionales de Tucumán

Website

https://cajaprofesionaltuc.com.ar

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

The Caja de Previsión y Seguridad Social para Profesionales de Tucumán is a mandatory provincial social security and pension fund for independent licensed professionals in Tucumán Province, Argentina, established by Law 6953 in 1999 and serving 7,000+ affiliates across 20+ professional colleges with retirement, survivor, disability, and loan benefits.

Ownership category

akta.pro rank

Headquarters

HQ city

San Miguel de Tucumán

HQ country

Argentina

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Technology or R&D, Others

Revenue model

1. Mandatory Member Contributions: Obligatory monthly contributions from affiliated professionals based on chosen category (A, B, C, E1, E2, E3). Category D is no longer available for new affiliates since May 2017 per Assembly Resolution N°1-A-2017. Professionals select one of four contribution categories annually.
2. 10% Judicial Honorarios: 10% contribution on all judicial honorarios earned by affiliated professionals, paid by parties condemned to costs in legal proceedings.
3. Health Insurance Contributions (Comunidad Vinculada): Health insurance companies, prepaid medical companies, cooperatives, mutuals and public/private entities contracting medical services must contribute 2-5% progressively over four years on premiums/fees paid to affiliated professionals.
4. Pharmaceutical Laboratory Contributions: Pharmaceutical laboratories contribute 2% of all medical prescriptions monthly.
5. Third-Party/Community Contributions (Comunidad Vinculada): Physical or legal entities contracting professional services must contribute 5% of professional fees. 40% of these resources go to solidarity system and 60% to individual capitalization of generating affiliate.
6. Work Accident Insurance Contributions: Work accident insurance companies contribute 10% on professional honorarios paid to affiliated professionals for services rendered to insured persons.
7. Hospital Beds Contribution: Private healthcare institutions (sanatoriums, clinics, maternities) contribute 5 days of pension annually per licensed bed. Excludes public health centers and hospitals.

Pricing tiers

Go-to-market motion1 record

Distribution channels9 records

Marketing channels9 records

Core offering

The Caja is a mandatory social security and pension system for independent licensed professionals in Tucumán Province, Argentina, established under provincial Law 6953 of April 22, 1999. It administers a substitutive pension regime that provides ordinary, partial, and disability retirement benefits, survivor pensions, life-event subsidies (marriage, birth, death), post-natal support, economic loans, and a real estate land development exclusively for its affiliated members.

Product overview

Caja de Previsión y Seguridad Social para Profesionales de Tucumán operates as a mandatory social security system for independent professionals in Tucumán Province, governed by Law 6953. The core offering is a pension and retirement system providing Jubilación Ordinaria (ordinary retirement), Jubilación Parcial (partial retirement), Jubilación por Incapacidad (disability benefits), and Pensión por Fallecimiento (survivor pensions). The system offers supplementary benefits including Subsidio por Matrimonio/Nacimiento/Fallecimiento (lump-sum subsidies), Subsidio por Tareas Post Natal (postnatal support), Ayudas Económicas (personal loans up to $5M), and the Loteo Los Nogales I real estate benefit. Digital services include an online self-service portal (Mi Cuenta y Boleta Electrónica) and multiple payment integration channels. The institution is funded through mandatory contributions across seven contribution categories (A through E3) with corresponding pension amounts.

Differentiator

Problem solved

Functional benefit

Products and services

• Sistema de Previsión y Seguridad Social A mandatory social security and pension system for independent professionals in Tucumán Province, providing retirement, disability, and survivor benefits under Law 6953.
• Jubilación Ordinaria

Quantifiable outcome

• Retirement benefit of $381,330 - $1,888,220 for 30 years contributions depending on category
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Partnerships

Five partnerships are on record, tiered core, regional and minor.

• Coordinadora de Cajas de Previsión y Seguridad Social para Profesionales de la República ArgentinacoreStrategic or Co-development PartnerNational coordination body for professional pension funds in Argentina. The Caja participates in national meetings and adhered to official communications defending the autonomy of professional pension systems. The president of the Caja, Carlos Gómez, participated in the inauguration of new national authorities.
• Intercajas NOA (Regional Meeting of Northwestern Argentina)regionalStrategic or Co-development PartnerRegional coordination of professional pension funds from Salta, Jujuy, Tucumán, and Santiago del Estero provinces. Regular meetings to exchange strategies on social security for professionals and strengthen benefits for affiliates.
• Banco GaliciaminorOthersNew payment bank partner (banco pagador) for retirees and pensioners, offering benefits to affiliates, retirees, and pensioned members.
• Acción Social de la Universidad Nacional de Tucumán (ASUNT)minorStrategic or Co-development PartnerHealth plan proposal negotiation for affiliated professionals. The Caja explored facilitating health plans through ASUNT for its members.
• Professional Colleges (20+ member institutions)coreStrategic or Co-development PartnerProfessional colleges that are founding members and pillars of the Caja's institutional structure. Include: Agrimensores, Arqueólogos, Arquitectos, Bioquímicos, Círculo Médico del Sur, Diseñadores de Interiores, Farmacéuticos, Fonoaudiólogos, Graduados en Ciencias Biológicas, Graduados en Ciencias Económicas, Graduados en Ciencias Geológicas, Graduados en Turismo, Ingenieros Agrónomos y Zootecnistas, Ingenieros Civiles, Kinesiólogos y Terapistas Ocupacionales, Martilleros Públicos, Odontólogos, Profesionales en Servicios o Trabajo Social, Psicólogos, Psicopedagogos, Veterinarios.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Others

• Coordinadora de Cajas de Previsión y Seguridad Social para Profesionales de la República Argentina: National coordination body for Argentine professional pension funds. Not a direct operator but the key institutional counterparty through which the Tucumán Caja negotiates, advocates for autonomy, and runs joint reciprocity frameworks.

Direct peers

• Caja de Previsión Social para Abogados de la Provincia de Buenos Aires: Argentina's largest provincial professional pension fund for lawyers. Operates the same caja previsional model with mandatory affiliation, multi-tier monthly contributions, and retirement/disability/survivor benefits for independent professionals.
• Caja Notarial de la República Argentina: National-level professional pension fund for notaries operating across Argentina. Highly comparable caja previsional model with compulsory affiliation, multi-tier contributions, and structured retirement benefits.

Regional players

• Caja de Previsión de Profesionales de Salta: Salta's analogous professional pension fund operating with the same mandatory affiliation, multi-tier contribution and benefit structure. Co-participant with Tucumán in Intercajas NOA coordination.
• Caja de Escribanos de Tucumán: Province-level notaries' pension fund in Tucumán. Provides the same retirement, disability and survivor benefit framework but restricted to escribanos, offering another benchmark for local cajas previsionales.
• Colegio Médico de Tucumán: Local professional body that administers medical professionals' contributions in Tucumán; explicitly excluded from Caja para Profesionales' scope. Comparable institution managing social security workflows for a professional segment in the same geography.
• Caja de Previsión de Abogados de Jujuy: Northwest Argentine professional pension fund in Jujuy. Closely comparable caja previsional operating regionally, with peer benefit design and member structure.
• Caja de Jubilaciones y Pensiones de Abogados de la Provincia de Tucumán: Peer caja previsional operating in the same Tucumán province for a different professional segment (lawyers). Directly comparable structure, governance and benefit model, separated only by professional college coverage.
• Caja de Previsión de Profesionales de Santiago del Estero: Neighbor-province caja previsional in Santiago del Estero with near-identical structure. Direct NOA co-participant with the Tucumán Caja in regional coordination and reciprocal contribution recognition.

Broad incumbents

• ANSES (Administración Nacional de la Seguridad Social): Argentina's national social security administrator that the Caja explicitly substitutes for independent professionals. Comparable function (retirement, disability, survivor benefits) but at national scale and population, providing the regulatory and benefit reference framework the Caja navigates against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/cajaproftucuman
• LinkedInlinkedin.com/company/caja-de-previsi%C3%B3n-y-seguridad-social-para-profesionales-de-tucum%C3%A1n
• Instagraminstagram.com/cajadeprofesionalestuc

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caja de Previsión y Seguridad Social para Profesionales de Tucumán