BL) although only 2% of the insured requested these benefits and 98% preferred the refund of the balance; the Cuenta de Garantía Solidaria(Solidarity Guarantee Account: CGS) aimed to reduce the fiscal deficit and it finances the new and old DB benefits with a contribution from employers and another one from retirees; despite the adjective“Solidarity”, the account has not improved this aspect of the system. Separate regimes still exist(particularly those of the armed forces, except in Costa Rica) and some were added in Argentina and Bolivia. All the re-reforms, except for the Salvadoran one, have partially compensated insured mothers for the time they spend raising their children: Argentina granted a non-contributory benefit when they have seven or more children and lack resources; Bolivia reduced one year of contributions for each child born alive; and Chile granted a bonus for each child born alive that accrues annual interest and becomes effective at the time of retirement(in case of divorce, a judge can order the transfer of up to 50% of funds accumulated in individual accounts during marriage from one spouse to another, which is usually the woman). All three countries have increased female participation in pensions, particularly due to the expansion of non-contributory pensions where they now have a majority. Gender-differentiated mortality tables were eliminated in Argentina, Bolivia, and El Salvador, but continue in Chile. The Salvadoran re-re­form did not introduce other measures to improve gender equity. Important gender gaps still exist in all countries, i.e., the average female RR is much lower than that of men and a smaller percentage of women than men will be able to retire as they do not have the required years of contributions. 4. Sufficiency of Benefits All re-reforms improved benefits, although to varying degrees. Argentina sig ­nificantly increased the maximum and the average amount of contributory pensions, as well as the minimum pension and the non-contributory pension. This reduced the percentage of poor older adults by 25 percentage points in 2003-2009, but in 2020, due to the pandemic and crisis, the general average RR was 55 percentage points below the minimum basic basket of goods for women 196