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The government is applying the “national employment insurance system”. On the morning of the 11th, citizens receive counseling on unemployment benefits at the Seoul Plus Employment Welfare Center in Jung-gu, Seoul. Yonhap News
President Moon Jae-in said on the 10th: “I will gradually promote national employment insurance.” However, it is impossible for all citizens to purchase employment insurance, such as health insurance or a national pension. This is because employment insurance is intended for people who work. Therefore, “ all citizens ” in the employment insurance policy mentioned by President Moon said that it would bring people who did not join or did not join employment insurance, such as self-employed workers and Self-employed workers, such as golf course caddy or substitute driver, within employment insurance. It is correct to interpret it at will.
The whole world is concerned about the expansion of employment insurance … I cannot provide a solution on my own.
How to expand employment insurance coverage is a cause for concern worldwide. With the expansion of the 4th Industrial Revolution, there were more one-person operators, such as freelancers, than those employed by companies. It is urgent to secure social safety nets for them. Special workers are also classified into categories of independent workers according to international standards. The laws are applied by independent people around the world. However, in Germany, the concept of “like workers” and France’s six special occupations are designed to protect labor laws. However, not all employment insurance applies.
Insurance premiums of 8,200 won and monthly wages of 1,109 to 2,200,000 won
We opened the door to join employment insurance, but the enrollment rate was only 0.2%.
Can you solve bulky tasks like evasion and difficulty finding income?
On November 8 of last year, the European Union (EU) recommended that members and self-employed workers receive sufficient social security benefits for all self-employed workers. This recommendation is drawing attention as the new coronavirus infection (Corona19) is overwhelming.
Insurance coverage for workers employed in almost all countries and workplaces.
Few countries have developed specific plans on how to incorporate them into employment insurance. In some countries, such as Japan, despite the situation in Corona19, independent workers cannot even apply for employment insurance.
Following the new coronavirus infection (Corona19), the number of shops closed and closed was increased, and an empty table was set up at the restaurant in Myeong-dong, Jung-gu, on the afternoon of March 31. News 1
In Australia, the government provides unemployment benefits to all employed people, including freelancers … No premium
The reason for the lack of support for employment insurance for self-employed workers is that there are many mountains to overcome. Most countries in the world are ’employee insurance’. This means that it is only for those who are employed and who work in the workplace. Only Australia has an unemployment benefit system that has “job insurance” for everyone who works. In Australia, there are no monthly premiums like ours. It means that there is no employment insurance. However, if everyone loses their job, they receive unemployment benefits. If you are identified as an employee, the government will pay you. It is a kind of expansion of unemployment assistance.
Korea, like many other countries, is not “employment insurance”, but “employee insurance”. As long as this framework is maintained, there are no one or two tasks to solve to attract freelancers to employment insurance. Furthermore, the number of self-employed in Korea is the third largest among OECD member countries after the United States and Mexico (OECD ‘2017 Entrepreneurship at a Glance’). Self-survival rate is less than 30%. According to the government initiative, if all self-employed people have employment insurance and a mandatory system to provide unemployment benefits after closing, it may be necessary to grant unemployment benefits to 70% of self-employed people own. So I am concerned with how to raise money.
Deputy Minister of Employment and Labor Lim Seo-jeong reported to the Ministry of Employment at the Sejong Government Complex on September 9 of last year, “ Decision of the State Council, including legislation related to national tasks to strengthen the job safety net. ” The Ministry of Employment deliberated and resolved some proposed amendments to the “ Law for the promotion of employment and assistance for the stability of life of job applicants ”, the “ Decree of application of the Law of employment insurance ” and the “ Application of the Premium Collection Law for Employment Insurance and Industrial Accident Compensation Insurance ”. News 1
Self-employed, who pay a total of 290,000 won of insurance premiums for 3 years and receive 4.43 million won of unemployment benefits
Also, freelancers cannot capture income. So the standard card is the card that the government took out as a remedy. Based on income, the government classified standard compensation as 1-7 degrees. A self-employed person chooses one of these and pays 2.25% of the compensation as a premium. If you select the lowest Tier 1 rating (1.82 million won per month), the premium is 4,950 won per month. Employment insurance premiums are provided by the state (across the country) or local governments, so the actual payment is much lower. For example, independent business owners in Seoul only need to pay 8,200 won per month, excluding government or local government subsidies. If you pay for this, you will receive 4.7 months depending on how long you have purchased 1,1092,000 won per month. If you enroll for 3 years, it means you pay a total of 295,200 won as insurance premium and a total of 4368,000 won (4-month value) as unemployment benefits.
Park Ji-soon, a professor at the University of Korea Graduate School of Law, said: “It is rare for a working worker to change jobs due to the difficulty of returning to work. However, a self-employed person You can either close your job at any time or quit your job and receive unemployment benefits. ” That is why there are concerns about moral hazards due to frequent and free startups. Professor Park said, “Therefore, it is necessary to elaborately equip a device that can prevent side effects to calm the controversy over fairness with office workers.”
Employment Insurance Graphics
When you join employment insurance, your health, national and industrial accident insurance bills will fly along with your income exposure.
Self-employed people are reluctant to use employment insurance even though they have far more benefits than office workers. Since 2012, we have opened the door for you to join if you want (random subscription), but the subscription rate is only 0.2%. The reason for the low enrollment rate is not because there is a problem with the employment insurance itself. When you enroll in employment insurance, your health insurance, national pension, and industrial accident insurance claims will fly at the same time. Income and wealth are exposed. For example, a person who is a dependent of a health insurance member and is a dependent must pay each premium in proportion to their standard income.
In addition, the requirements for receiving unemployment benefits are also relatively high compared to those for office workers. For closing reasons, the average monthly sales for the three months should be reduced by more than 20%, or the decrease in sales must be demonstrated, such as the deficit for the third consecutive quarter. Business closure due to business suspension is excluded from eligibility.
Self-employed, filled with ‘yellow umbrella deduction’ which is easy to raise money for income deduction
For this reason, self-employed people prefer to choose the ‘yellow umbrella deduction’ (operated by the Small and Medium Business Administration), which could raise money. By registering for the yellow umbrella deduction, you will save 50,000 won to 1 million won per month, and you will be credited compound interest. The savings amount also has an income deduction benefit. If a self-employed business closes or dies, it can be received in lump sums or in installments.
Soon-Won Kwon, professor of business administration at Sookmyung Women’s University, said: “The labor market in the labor market is diversifying towards the fourth industrial revolution. It is difficult to expand the social safety net by sticking to the insurance framework of existing employment. ” In other words, you need to review other social security measures that can make job insurance more effective depending on the type of job. “Several developed countries, like Germany, have been discussing the expansion of social insurance after the expansion of the fourth industry,” he said. “But even that country has not drawn up a concrete plan.” Furthermore, he added, “It is desirable to continue expanding employment insurance after in-depth discussions on various security measures appropriate to the characteristics of Korea.”
Unemployment benefits for own-account workers in EU countries, industrial accident insurance coverage (from 2017) Source: EU Executive Committee
Many EU member states that are self-employed are not eligible for unemployment, voluntary membership or exclusion.
Indeed, among EU countries, unemployment benefits fully apply to self-employed workers in Iceland, Croatia, Portugal and Slovenia. Belgium, the Netherlands, Switzerland, Norway and Germany are not available. Countries applying for unemployment assistance are Finland, Denmark, Greece and Estonia. Unemployment assistance does not pay premiums. It is a government funded system. The unemployment assistance system is the national employment support system that was approved by the subcommittee of the Committee on the Environment and Labor on the 11th. Countries like Korea that operate in the form of voluntary subscription are Austria and Romania.
“I can see that there are unemployment benefits for self-employed people in small countries,” said the Japan Research Institute for Labor Research and Training (JILPT), Keiichiro Hamaguchi, Japan. As part of the policy response, there is a potential for countermeasures to emerge against self-employed workers. ”(JILPT emergency column)
Reporter Ki-chan Kim Employment and Labor Specialist [email protected]
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