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Pension & Health Insurance are now Voluntary
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Porksta



Joined: 05 May 2011

PostPosted: Wed Dec 11, 2013 6:23 am    Post subject: Reply with quote

littlelisa wrote:
Porksta wrote:
How can he get out of making contributions? Isn't it 4.5% regardless of salary?


Because it's a percentage, places sometimes report that your salary is lower than it is, and then pay 4.5% of that lower amount.


Right, but CC said "get out" of making payments. That leads me to believe that if your salary is reported as being too low, you do not have to pay pension at all.
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I-am-me



Joined: 21 Feb 2006
Location: Hermit Kingdom

PostPosted: Sun Dec 15, 2013 6:50 pm    Post subject: Reply with quote

If your employer doesnt pay your pension, and you want it after a yr, then you have to pay your share and ask the old boss to pay his share. In a sense, have him volunteer to pay which is pretty much impossible. If you are enrolled in health care and boss doesnt pay it, then you have to make back payments. Kinda sucks for some people who end up owing a million or more.
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TheUrbanMyth



Joined: 28 Jan 2003
Location: Retired

PostPosted: Mon Dec 16, 2013 3:37 pm    Post subject: Reply with quote

No, pension and health insurance ARE mandatory. You got some idiots at the pension office who don't know the rules.

And anyway Korea can not unilaterally change the rules on pensions regarding foreigners as those are reciprocal agreements.
It states very clearly in the Guide to the National Pension for Foreigners:


Quote:
Despite the above provisions, if there are relevant provisions under the Social Security Agreement between Korea and any foreign country, those provisions will be applied.


So the provisions in the international agreement take precedence.


This has been a public service announcement courtesy of TheUrbanMyth.


Laughing Laughing Laughing
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Troglodyte



Joined: 06 Dec 2009

PostPosted: Tue Dec 17, 2013 6:30 am    Post subject: Reply with quote

I'm VERY skeptical that things have changed regarding health insurance and pension. Until I hear it from someone at the pension office or from someone who I trust who says he heard it from the pension office, I would assume that the OP is either mis-informed or someone is feeding us a line.
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EZE



Joined: 05 May 2012

PostPosted: Tue Dec 17, 2013 5:47 pm    Post subject: Reply with quote

The pension office says it's mandatory. The pension office says that if a delinquent school doesn't pay, their assets will be seized. Then, the NPS will tell you that they don't enforce payments, NHIC does. They'll tell you to call them.

When you call NHIC, it's a whole different ballgame. I have had quite a few conversations with various people there and it's always the same:

NHIC: Have you talked with your former boss about paying into your pension?

Me: Yes, but as you know my balance is still zero. She's obviously not going to pay, so that's why I'm calling you.

NHIC: So....what do you want us to do?

Me: The pension office told me to call your office. They told me your office enforces pension payments. If that's so, all I'm asking is that you do that.

NHIC: You need to talk with your former boss again. We don't have the power to make her pay into your pension.

Me: But the pension office said you guys enforce pension payments. Is that true?

NHIC: Yes, but only if your boss wants to pay into the pension.

Me: So it's voluntary? It's not even mandatory for schools to pay into pension?

NHIC: Yes.
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TheUrbanMyth



Joined: 28 Jan 2003
Location: Retired

PostPosted: Wed Dec 18, 2013 3:55 pm    Post subject: Reply with quote

EZE wrote:
The pension office says it's mandatory. The pension office says that if a delinquent school doesn't pay, their assets will be seized. Then, the NPS will tell you that they don't enforce payments, NHIC does. They'll tell you to call them.

When you call NHIC, it's a whole different ballgame. I have had quite a few conversations with various people there and it's always the same:

NHIC: Have you talked with your former boss about paying into your pension?

Me: Yes, but as you know my balance is still zero. She's obviously not going to pay, so that's why I'm calling you.

NHIC: So....what do you want us to do?

Me: The pension office told me to call your office. They told me your office enforces pension payments. If that's so, all I'm asking is that you do that.

NHIC: You need to talk with your former boss again. We don't have the power to make her pay into your pension.

Me: But the pension office said you guys enforce pension payments. Is that true?

NHIC: Yes, but only if your boss wants to pay into the pension.

Me: So it's voluntary? It's not even mandatory for schools to pay into pension?

NHIC: Yes.



Typical government run-around pass-the-buck.

Ask to speak to the person's superior or at least get their phone number...at that point there's a good chance it will suddenly get resolved. And don't ever take "No" for an answer. Keep going up the ladder until you get somewhere. The desk jockeys that you speak to apparently don't want to be bothered with you...their coffee/kimchi break is more important to them. They'll tell you anything they think will get you off the phone the fastest. Keep after them everyday if you have to.
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Mr. BlackCat



Joined: 30 Nov 2005
Location: Insert witty remark HERE

PostPosted: Wed Dec 18, 2013 4:48 pm    Post subject: Reply with quote

EZE wrote:
The pension office says it's mandatory. The pension office says that if a delinquent school doesn't pay, their assets will be seized. Then, the NPS will tell you that they don't enforce payments, NHIC does. They'll tell you to call them.

When you call NHIC, it's a whole different ballgame. I have had quite a few conversations with various people there and it's always the same:

NHIC: Have you talked with your former boss about paying into your pension?

Me: Yes, but as you know my balance is still zero. She's obviously not going to pay, so that's why I'm calling you.

NHIC: So....what do you want us to do?

Me: The pension office told me to call your office. They told me your office enforces pension payments. If that's so, all I'm asking is that you do that.

NHIC: You need to talk with your former boss again. We don't have the power to make her pay into your pension.

Me: But the pension office said you guys enforce pension payments. Is that true?

NHIC: Yes, but only if your boss wants to pay into the pension.

Me: So it's voluntary? It's not even mandatory for schools to pay into pension?

NHIC: Yes.


=

"I don't feel like doing my job"
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Allthechildrenareinsane



Joined: 23 Jun 2011
Location: Lost in a Roman wilderness of pain

PostPosted: Sun Dec 22, 2013 1:16 am    Post subject: Reply with quote

littlelisa wrote:
Porksta wrote:
How can he get out of making contributions? Isn't it 4.5% regardless of salary?


Because it's a percentage, places sometimes report that your salary is lower than it is, and then pay 4.5% of that lower amount.


This happened to me on my second contract back in 2011. My salary was 2.3 million per month, but I found out about 6 months in that my boss was only reporting that I earned 1 million per month and therefore cheating me out of my actual pension -- one of the main reasons I quit.

My boss was also about 3 months behind on payments when I went to the NPS office to collect, but the clerk there assured me that they would get me the money I was owed. Sure enough, about 2 months later after I was back in the US, the NPS transferred the funds I was owed to my American account. Based on my experience and what I've heard from others, at least in the past the NPS (or the NHIC -- whoever it is who actually enforces the law) seemed to be fairly good at pursuing hagwons about back payments and such.
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Milwaukiedave



Joined: 02 Oct 2004
Location: Goseong

PostPosted: Wed Jan 15, 2014 9:57 pm    Post subject: Reply with quote

hogwonguy1979 wrote:
I bet they will be increasing the % you have to pay soon.


I agree it is bound to go up. They have been running massive deficits. The last I heard it was 5.8%. Even if they cranked it up to 7% it is still a good deal (not that I'm saying they should).

I keep hearing rumors about going to a US based system (as in pre-ACA). With Park still having four years left in office, there is still plenty of time for them to screw it up.
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wylies99



Joined: 13 May 2006
Location: I'm one cool cat!

PostPosted: Sat Jan 18, 2014 6:00 pm    Post subject: Reply with quote

Troglodyte wrote:
I'm VERY skeptical that things have changed regarding health insurance and pension. Until I hear it from someone at the pension office or from someone who I trust who says he heard it from the pension office, I would assume that the OP is either mis-informed or someone is feeding us a line.


Agreed. Sounds like someone is blowing smoke.
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EZE



Joined: 05 May 2012

PostPosted: Mon Jan 20, 2014 2:30 am    Post subject: Reply with quote

El Bandito wrote:
EZE wrote:
El Bandito wrote:
health insurance and pension are two different groups
NHIC is health insurance only and NPS in the national pension service

The English call center number for NPS is 02-2176-8707. They can also tell you if your employer is contributing or not, and how much you have saved up


They're two different groups, but when a school is delinquent on pension payments it's actually NHIC who enforces it, not the NPS. I know it sounds strange, and it is strange.


Interesting. I'm going to call them tomorrow and verify this.


Did they tell you the same thing they told me, or something different?
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EZE



Joined: 05 May 2012

PostPosted: Tue Jan 21, 2014 7:27 am    Post subject: Reply with quote

Here's the latest.

This is what 박성근 had to say:

Thank you for having attention to the collecting contributions for social insurance programs. The National Health Insurance Service (NHIS) has been collecting contributions for all social insurance programs.(Health Insurance, National Pension, Employment Insurance, and Industrial Accident Compensation Insurance) Regarding to the delinquent pension payments you asked, the employer is obliged to pay his portion of the pension contribution with the employee's contribution deducted from wages. In the event of failure to pay the pension contribution by the due date, the unpaid period is not regarded as an insured period for the calculation of pension benefits, and, accordingly, the amount of pension benefits is diminished proportionately. NHIS has right to collect contributions and arrears fees; sends a reminder of the delinquent contributions and does disposition of arrears on the employer’s assets. We will try to resolve delinquent pension contributions as soon as possible. National Pension Service (NPS) is in charge of enrollment, enrollee management, and insurance benefits of pension insurance, so if you have more information on pension benefits, please contact at 02-2176-8718~·9.

After contacting them back to find out what is specifically being done, since last year the NPS said they required Wonderland to pay by November 10, 2013, 박혜정 weighed in with the following:

Thank you for having attention to the collecting contributions for social insurance programs. The National Health Insurance Service (NHIS) has been collecting contributions for all social insurance programs.(Health Insurance, National Pension, Employment Insurance, and Industrial Accident Compensation Insurance) Regarding to the delinquent pension payments you asked, the employer is obliged to pay his portion of the pension contribution with the employee's contribution deducted from wages. In the event of failure to pay the pension contribution by the due date, the unpaid period is not regarded as an insured period for the calculation of pension benefits, and, accordingly, the amount of pension benefits is diminished proportionately. NHIS has right to collect contributions and arrears fees; sends a reminder of the delinquent contributions and does disposition of arrears on the employer’s assets. We will try to resolve delinquent pension contributions as soon as possible. National Pension Service (NPS) is in charge of enrollment, enrollee management, and insurance benefits of pension insurance, so if you have more information on pension benefits, please contact at 02-2176-8718~·9.
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I-am-me



Joined: 21 Feb 2006
Location: Hermit Kingdom

PostPosted: Mon Aug 11, 2014 8:20 pm    Post subject: Reply with quote

Everyone should check if payments are being made by their employer.
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Porksta



Joined: 05 May 2011

PostPosted: Tue Aug 12, 2014 12:04 am    Post subject: Reply with quote

You should also get a letter about once a year from the pension office stating your balance.
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untouchable_88



Joined: 05 Jun 2011

PostPosted: Sat Aug 16, 2014 10:42 pm    Post subject: Im not enrolled in pension but im enrolled in healthcare Reply with quote

Hi

I have been enrolled in NHIS as an employee but not NPS. How do I go about getting myself enrolled in NPS? (my boss is lazy and a cheat so he is not an option)
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