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While the debate over the application of employment insurance to 1.6 million special-employment workers is in full swing, the insurance industry, where 400,000 designers are considered to be representative workers with special employment, has a premium due to the increasing cost burden.
Insurers expect the burden to increase like a snowball if the policy is implemented, and they also predict that massive layoffs for the designer will be inevitable to reduce the burden.
On the 13th, the government and the ruling party recently reaffirmed the policy of extending the scope of employment insurance coverage to ‘artists’ and then applying it to special employment. Duk-soon Hwang, head of labor at the Blue House, also said in a radio interview the day that a company that hired special employment workers should pay the employer share.
The ruling party also said it would discuss this issue with the opening of the 21st National Assembly next month.
Representative jobs specials are insurance planners, apprenticeships, golf course caddy and trained engineers. They are in the middle of a single self-employed and salaried worker. It is similar to a worker in that it provides direct labor and pays for someone else’s business, but it is similar to a self-employed person in that he or she decides independently under the command or supervision of the employer. in the work process.
The insurance industry makes it clear that insurance planners are not self-employed but self-employed. It is an individual business that has entered into a consignment contract for insurance contracting and is classified as a commercial income under the Income Tax Law. It also has an independent personality that allows the free choice of insurance companies. You can select 24 life insurance companies, 13 non-life insurance companies, and 4475 corporate insurance (GA) agencies.
If employment insurance is applied to insurance planners, the industry expects the burden of employment insurance premiums paid annually to reach around 100 billion won. However, the Yonsei University professor calculated in the 2018 National Assembly discussion on special employment jobs: “If the four main insurance plans, including employment insurance, are incurred, the additional cost of the industry insurance will reach 1.3 trillion annually. ” On the other hand, the Ministry of Employment and Labor said: “If applied similarly to salaried workers, the burden of the company’s premium is not as high as 0.8% of the designer’s compensation.” “It is not valid to estimate”.
The insurance industry is expected to restructure low-efficiency designers as costs increase. In particular, designers with monthly incomes of less than 1 million won are the primary target. They represent around 40% of all designers. Insurance is easy to find and has no working hours, so many women and older people, including housewives and women who break their careers, are working. At the end of September last year, 78.4% of designers of life insurance for women and 46.2% of those over 50 years. It is an analysis that even those who are not easy to find employment elsewhere can escape insurance. It is also noted that it can be a burden on employment insurance itself, as it is often difficult for insurance planners to change jobs and finding income is not easy. It is also calculated that if a designer earning less than 1 million won a month is classified as involuntary rotation, he may receive unemployment benefits in excess of 1.5 million won. It is pointed out that there may be cases of exploitation of more unemployment benefits than the money you earn.
These increased costs are paid by workers and employers who already have employment insurance, or must be funded by the government. Furthermore, it is not clear which of the special employment workers who work as insurance planners during the day and as substitutes at night are responsible for employment insurance.
As the insurance industry varies in the employment conditions of special employment workers, it is advisable to introduce uniform employment insurance with caution. It means that personalized protection measures are necessary considering the characteristics of each occupation.
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