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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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| Posted: Tue May 06, 2008 7:05 am Post subject: |
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| Ut videam wrote: |
| 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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They DO cover most of the cost of X-rays, prescriptions and basic dentistry.
For example, a doctor's visit, 4 x-rays (shoulder) and 30 minutes of physio cost me 15k won.
A filling cost me 3500 won. Note here: cleaning of your teeth is NOT covered.
http://www.nhic.or.kr/eng/nhic_sub4/nhic_sub4_1/faq.html
Persons who receive health care treatments pay certain portion of the health care costs as co-payments. Co-payments are paid to health care institutions directly by patients.
In-patient Medical Services
When a patient is admitted to a clinic, a hospital or a general hospital, the patient is required to pay 20% of the total medical charges for the in-patient care.
Outpatient Medical Services
Co-payments for out-patient cares vary depending on the level of health care facilities or the total amount of service charges. For outpatient services provided at a clinic, the patient must pay 3,000 won when the total charges do not exceed 15,000 won (at a dental clinic; 3,500 won). An elderly patient, however, pays only 1,500 won when total charges do not exceed 15,000 won;
the patient pays 30% of the total charges including the diagnosis fee when total charges exceed 15,000 won.
For outpatient services provided at a hospital or a general hospital, 40% or 50 %, respectively, of the total charges is paid for co-payment. And, when a patient visits a hospital or a general hospital in remote and rural areas for outpatient services, the patient, if the total cost does not exceed 15,000 won, pays 4,100 won or 4,600 won, respectively, if exceeding 15,000 won, pays 35% or 45% of total costs, respectively.
However, at a specialized general hospital the patient has to pay 50% of the total charges, excluding the diagnosis and consultation fee
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shifty
Joined: 21 Jun 2004
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| Posted: Tue May 06, 2008 7:06 am Post subject: |
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Doesn't this AIG offer a range of options? A cheapo one that covers you only for accidents on the school property? Costs such a little that it has to be paid per year. Maybe you drop yr sharpener and lean over and the damned chair slips from under you. Then you have no worries because you're covered.
But stick a toe out the doorway and you're asking for it. Meanwhile the boss pronounces gullible old you to be covered for all and sundry and finds it no imposition to dock your salary with 30 000.
You're happy, the boss' happy, everyone's happy. |
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Zaria32
Joined: 04 Dec 2007
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| Posted: Tue May 06, 2008 4:27 pm Post subject: |
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| I spent 8 days in the hospital...beginning with about 5 hours in the emergency room...multiple IVs, numerous x-rays, gallons of blood tests, many specialized tests, ambulance trip across town to another hospital, services of a surrogate family member, etc. etc. My portion of the bill, including regular doctors, specialists, and all of the above, was $320 under NHI. |
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bassexpander
Joined: 13 Sep 2007
Location: Someplace you'd rather be.
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| Posted: Tue May 06, 2008 6:01 pm Post subject: |
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If you don't get on the national health insurance, you will have to BACK PAY for every month you've been in Korea since you first arrived here. No kidding. So if you start getting the insurance now, both you and your employer must back-pay it to your start date. If you decide against getting it and go to another school, you'll find yourself paying the entire back-pay amount all by yourself.
Your boss is cheating you out of your rightful benefits, which he should be paying for in part. |
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Sincinnatislink
Joined: 30 Jan 2007
Location: Top secret.
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| Posted: Tue May 06, 2008 8:15 pm Post subject: |
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I made some calls this morning.
He told the national insurance company I quit April 1st.
This is entertaining, if mortifying.
I should be speaking with my bosses shortly.
Wish me luck. |
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