Among such groups, Mesa-Lago (2009) identifies those working in the informal sector or on their own account in urban areas and, in particular, rural areas. For example, Chile has created a privatized "system of old-age, disability and survivors' pensions" based on pre-funded individual accounts (article 1 of Decree Law No. The system defines old-age and disability pensions and survivors' pensions for the children and spouse of the person affiliated to the system.