Under the new Chilean system, a worker’s benefit is based on the balance in his or her individual capitalization account, including investment return. Because workers are immediately vested in the new system, i.e., there is no minimum coverage requirement, Chile will not need to count U.S. periods of coverage in determining entitlement to OASDI benefits. However, workers whose benefit amount would be less than the minimum guaranteed by the Government must satisfy a minimum coverage requirement to receive the guaranteed amount: 20 years for old-age benefits and either 10 years or 2 out of the last 5 years for disability or survivors benefits. Article 7.3 provides that the Chilean agency will count a worker's U.S. periods of coverage in determining if he or she meets the coverage requirements for the guaranteed minimum benefit.