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NHIC backlog pay?

 
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HarryMorgan



Joined: 02 May 2011

PostPosted: Sun Dec 11, 2011 5:28 am    Post subject: NHIC backlog pay? Reply with quote

I went to enroll myself in the NHIC (Sadang office?) on Friday and was told that I would have to pay roughly 120,000 won per month that I had been working in Korea without health care. Now, I was aware that pension worked like that, but no where did I read that health care worked the same way. My new employer was there with me, and their company certainly won't pay for it; and if this is the case I'll obviously have to figure out how to get the old hagwon to put in their share.

Otherwise, I'm out quite a bit of cheese for those 5-6 months. Can someone confirm that this is how the current system works? You out there, Tom? I understand it was my mistake for initially not picking up on the 3.3% tax rate, but this seems to be punishing the wrong party for a service they were never even receiving. The lack of health care also had a great deal to do with why I consistently threatened my previous employer, before being subsequently fired. I'm simply looking for some clarification. Thanks.
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ontheway



Joined: 24 Aug 2005
Location: Somewhere under the rainbow...

PostPosted: Sun Dec 11, 2011 7:03 am    Post subject: Re: NHIC retroactive payments to date of arrival in Korea? Reply with quote

HarryMorgan wrote:
I went to enroll myself in the NHIC (Sadang office?) on Friday and was told that I would have to pay roughly 120,000 won per month that I had been working in Korea without health care. Now, I was aware that pension worked like that, but no where did I read that health care worked the same way. My new employer was there with me, and their company certainly won't pay for it; and if this is the case I'll obviously have to figure out how to get the old hagwon to put in their share.

Otherwise, I'm out quite a bit of cheese for those 5-6 months. Can someone confirm that this is how the current system works? You out there, Tom? I understand it was my mistake for initially not picking up on the 3.3% tax rate, but this seems to be punishing the wrong party for a service they were never even receiving. The lack of health care also had a great deal to do with why I consistently threatened my previous employer, before being subsequently fired. I'm simply looking for some clarification. Thanks.



Yes. You will have to backpay for your health insurance coverage to your first whole month in Korea, maybe to your first day. It is possible that your new boss could have enrolled you from your first day at your new job if you hadn't gone along and NHIC had accepted your first day at your new job as your first day.

However, since you went along and spilled the beans, there is probably no going back. Since the Pension and Health Insurance are linked for verification purposes, you will normally have to make back-payments for both if you report either.

If you were working as an employee, and not a legal Independent Contractor, the NHIC and Pension offices could and should go after your prior employer for unpaid amounts. However, if you were an IC on a legal contract, they you are liable for the back amounts.

The questions are: What does your contract say about your working status, Pension and Health Ins? Have your reported Pension as well? Is either office treating you as an employee? Have you tried the Labor office?
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ttompatz



Joined: 05 Sep 2005
Location: Kwangju, South Korea

PostPosted: Mon Dec 12, 2011 3:16 am    Post subject: Reply with quote

You will have to make back payments to NHIC from the date you entered Korea on this visa/ARC/status of sojourn.

Unlike the NPS, they will not go after your old boss for unpaid premiums; you get stuck with the whole bill (salary * .0283 * 2 * (number of months in Korea).

.
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HarryMorgan



Joined: 02 May 2011

PostPosted: Mon Dec 12, 2011 6:05 am    Post subject: Reply with quote

Unfortunate news for me. I transferred my visa to an after school program, but was never warned that we were going to the NHIC office immediately after doing the visa transfer at immigration. I wasn't necessarily spilling the beans about anything, just trying to get the legally mandated health care I'm entitled to. I have a couple options in the new contract itself, which is something I'll look over when I get back home. Previously, I was likely booked as an IC, though my contract claimed me as an employee. I constantly threatened going to the labor board, which was why I was let go with a bonus in late October. I never reported pension, but that was something I was expecting to pay when I got a new job.

Not sure if I have any practicable options here, but anything that would help me bypass 700,000 won in back payments for the health care I never received, would be useful. Though likely not an option, as my visa has already been transferred. I suppose the least costly option would be opting out of both pension and health care, and simply going back to school in the fall. All while risking my legs being chopped off, when an adjumma pushes me half way out of the subway doors as the train is taking off.

Am I out 700,000 won if I want the NHIC coverage, or is there anything else I'm missing?
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ttompatz



Joined: 05 Sep 2005
Location: Kwangju, South Korea

PostPosted: Mon Dec 12, 2011 3:36 pm    Post subject: Reply with quote

HarryMorgan wrote:
Unfortunate news for me. I transferred my visa to an after school program, but was never warned that we were going to the NHIC office immediately after doing the visa transfer at immigration. I wasn't necessarily spilling the beans about anything, just trying to get the legally mandated health care I'm entitled to. I have a couple options in the new contract itself, which is something I'll look over when I get back home. Previously, I was likely booked as an IC, though my contract claimed me as an employee. I constantly threatened going to the labor board, which was why I was let go with a bonus in late October. I never reported pension, but that was something I was expecting to pay when I got a new job.

Not sure if I have any practicable options here, but anything that would help me bypass 700,000 won in back payments for the health care I never received, would be useful. Though likely not an option, as my visa has already been transferred. I suppose the least costly option would be opting out of both pension and health care, and simply going back to school in the fall. All while risking my legs being chopped off, when an adjumma pushes me half way out of the subway doors as the train is taking off.

Am I out 700,000 won if I want the NHIC coverage, or is there anything else I'm missing?


Fraid you get to bite the bullet on this one.

Regardless of what you do at this point, NHIC will be after you for the 700k until it is paid or until you leave Korea for good.

.
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hallabong



Joined: 29 Jun 2011

PostPosted: Mon Dec 12, 2011 4:03 pm    Post subject: Reply with quote

I have a related question. I am currently on an F-2 visa. I will be returning to the US in January for a couples of months after working here for several years (while not paying pension/health). If I leave Korea, and return on my current F-2, will I still have to make back payments for all those months I wasn't paying health/pension? Or will I get a fresh slate when I return to Korea?

I spoke with two people from NHIC and was told two different things. One person said that if you leave Korea and then return, you are only liable for payments based on your most recent entry date to Korea, irregardless of when you got your visa. The other person said that I would have to make back payments based on when my visa began. Who is correct? Should I turn in my ARC when I leave and just get another one when I return so as to ensure that I don't have to make three years worth of back payments?
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ttompatz



Joined: 05 Sep 2005
Location: Kwangju, South Korea

PostPosted: Mon Dec 12, 2011 5:10 pm    Post subject: Reply with quote

hallabong wrote:
I have a related question. I am currently on an F-2 visa. I will be returning to the US in January for a couples of months after working here for several years (while not paying pension/health). If I leave Korea, and return on my current F-2, will I still have to make back payments for all those months I wasn't paying health/pension? Or will I get a fresh slate when I return to Korea?

I spoke with two people from NHIC and was told two different things. One person said that if you leave Korea and then return, you are only liable for payments based on your most recent entry date to Korea, irregardless of when you got your visa. The other person said that I would have to make back payments based on when my visa began. Who is correct? Should I turn in my ARC when I leave and just get another one when I return so as to ensure that I don't have to make three years worth of back payments?


They are both correct but the first statement probably assumed that your "most recent entry" meant a different status of sojourn.

IF you are on the same status of sojourn you will be responsible for back payments if you are discovered to be working.

If you return on a different status of sojourn (new visa - even of the same class) then the clock is reset and the past is forgotten

UNLESS
they have already claimed for back payments, in which case you will have to pay it even if you leave and return.

.
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pkang0202



Joined: 09 Mar 2007

PostPosted: Mon Dec 12, 2011 11:53 pm    Post subject: Reply with quote

It is possible to get that fee reduced. My Korean friend owed NHIC around 800,000 and after going to the office and some negotiating, that amount got lowered a lot.
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