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Sincinnatislink
Joined: 30 Jan 2007
Location: Top secret.
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 Posted: Thu May 01, 2008 3:04 am Post subject: Change in rules on pension and health insurance? |
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I have been happily working at an agreeable hagwon in Incheon for about 7 months now, and just realized I haven't been paying pension, nor (obviously) has my employer been contributing to it.
I talked about this with a couple friends, and realized I should be paying pension, and so should my employer.
My boss is presenting an argument that has something to do with a new law that gives a choice between paying a larger percentage of insurance or paying pension.
I'm utterly baffled.
Can a boss ever not pay pension legally? What steps should I take?
I have a pretty agreeable arrangement, and they've done things for me in the past that they didn't need to do.
That said, if I'm entitled to pension, I want it. |
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loose_ends
Joined: 23 Jul 2007
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| Posted: Thu May 01, 2008 3:20 am Post subject: Re: Change in rules on pension and health insurance? |
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Sounds fishy.
When have pension and insurance ever been grouped together like that?
Seems strange.
A simple call to either office would solve the problem.
Be careful calling your boss in a lie though. That tends to push certain bosses over here in a crazy rant... |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Thu May 01, 2008 4:55 am Post subject: |
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Your boss is a liar, plain and simple.
http://www.nps.or.kr/ |
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Sincinnatislink
Joined: 30 Jan 2007
Location: Top secret.
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| Posted: Tue May 06, 2008 5:07 am Post subject: |
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I talked about this more with my employer . . .
They now want to enroll me in AIG healthcare rather than the public program, and they'll pay 100% of that (like 30,000 won a month) with no contributions to national pension, and have threatened to fire me if I don't accept that.
Will someone please tell me who I call for support here?
I spent hours upon hours on the phone the other day and didn't get anything except a guy from the tax office calling my boss and pissing him off, which didn't change anything at all. |
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PGF
Joined: 27 Nov 2006
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| Posted: Tue May 06, 2008 5:15 am Post subject: |
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My haggy boss wanted to do the same thing-pay for cheap AIG insurance. BUT- AIG or any of the other private insurance services will be of little or no use when you get sick and go to a clinic.
They are, supplemental insuarnce for the NHI (National Health Insurance).
What I did,
1) I'm sorry, but my docotor and three other offices I visited said they only accept NHI. I need NHI.
2) Pensions up to you. I demanded it then went to the pension office after two months to make sure it was being paid in properly.
The guy I work with opted out of insurance and pension so he'd get more $ in his pocket each month.
I had to put up a little fuss though. I like having insurance because I do get sick here in Korea. Plus, when you read about stuff like that guy getting burned up in Seoul....man, it makes you want insurance....NHI- no supplemental. |
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blade
Joined: 30 Jun 2007
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| Posted: Tue May 06, 2008 5:32 am Post subject: |
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| Sincinnatislink wrote: |
I talked about this more with my employer . . .
They now want to enroll me in AIG healthcare rather than the public program, and they'll pay 100% of that (like 30,000 won a month) with no contributions to national pension, and have threatened to fire me if I don't accept that. |
Only about 30,000 won a month? This seems very low; I'm paying about 60,000 at my public school. NIH and Pension should be about 2.5% and 5% respectively.
Last edited by blade on Tue May 06, 2008 6:31 am; edited 2 times in total |
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blade
Joined: 30 Jun 2007
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| Posted: Tue May 06, 2008 5:56 am Post subject: |
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| PGF wrote: |
| Plus, when you read about stuff like that guy getting burned up in Seoul....man, it makes you want insurance....NHI- no supplemental. |
IF I were you I wouldn't rely only on NHI. NHI only covers a percentage of your hospital bill. My girlfriend learned this the hard way when she needed to have her appendix removed a couple of months back. |
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Sincinnatislink
Joined: 30 Jan 2007
Location: Top secret.
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| Posted: Tue May 06, 2008 6:24 am Post subject: |
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| I was referring to the cost of the AIG insurance @ 30,000 won a month, not the pension. |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Tue May 06, 2008 6:45 am Post subject: |
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| Sincinnatislink wrote: |
| I was referring to the cost of the AIG insurance @ 30,000 won a month, not the pension. |
AIG only covers what the NHIC doesn't (your co-pay portion) and doesn't cover lots of stuff that NHIC does (like basic dentistry, X-rays and prescriptions). You also have to pay in full and then apply for a reimbursement from AIG.
Additionally, your boss would like to enroll you in that so that he doesn't raise any flags with NHIC, pension and the tax people because he is probably cheating on those too. I bet you pay 3.3% (or more) for taxes as well.
Your boss is still cheating and you will pay for it.... I promise.
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Ut videam
Joined: 07 Dec 2007
Location: Pocheon-si, Gyeonggi-do
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| Posted: Tue May 06, 2008 6:53 am Post subject: |
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| ttompatz wrote: |
| AIG only covers what the NHIC doesn't (your co-pay portion) and doesn't cover lots of stuff that NHIC does (like basic dentistry, X-rays and prescriptions). You also have to pay in full and then apply for a reimbursement from AIG. |
Just a quick question for clarification, ttompatz:
Does NHIC cover basic dentistry, X-rays, and prescriptions? Or are those examples of things that NHIC doesn't cover that a supplementary policy would?
On a related note, is there information on what NHIC does and doesn't cover available on their website? In English (hopefully)?
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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