Employers create CTAs in order to avoid having to support unionization, collective bargaining, and other basic labor rights to which they would normally be subject if their workers were treated as such: employees. Whereas employers are traditionally responsible for paying two-thirds of contributions to government benefit programs such as the National Apprenticeship Service (SENA), the Colombian Institute for Family Well Being (ICBF), the Family Equalization Fund and the social security system, which includes health care and retirement payments, CTA associates are responsible for making all of the legally-mandated government contributions themselves.