In Chile, the scheme accounts for only about 20% of the amount due by the employer upon fair dismissal. In Brazil, dismissal can be with or without justified reason (com justa causa or sem justa causa). The latter covers all possible grounds for dismissal (including no reason) except misconduct and force majeure, and typically accounts for an overwhelming share of all dismissals (see e.g. DIEESE, 2011). The balance in their individual account scheme can be accessed by workers in the case of unjustified dismissal but employers must top it up by an additional 40%.