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cassimira
Joined: 26 Dec 2009
Location: Daeso, South Korea
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 Posted: Mon Mar 15, 2010 2:00 am Post subject: How long till you got health insurance, etc.? |
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Sorry if this has been covered already, but the search function at Dave's seems to have quit working almost completely.
What is a normal, reasonable period of time after starting a new job to receive your health insurance, alien registration card, open a bank account, etc.?
We are starting on our third week, and we HAVE had our medical examination, but so far have not been asked for our passports for our alien registration cards or heard a word about health insurance.
Do we need to start figuratively twistin some arms around here? |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Mon Mar 15, 2010 2:32 am Post subject: Re: How long till you got health insurance, etc.? |
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| cassimira wrote: |
Sorry if this has been covered already, but the search function at Dave's seems to have quit working almost completely.
What is a normal, reasonable period of time after starting a new job to receive your health insurance, alien registration card, open a bank account, etc.?
We are starting on our third week, and we HAVE had our medical examination, but so far have not been asked for our passports for our alien registration cards or heard a word about health insurance.
Do we need to start figuratively twistin some arms around here? |
You can get your ARC as soon as you have had your medical.
You can get a bank account as soon as you land in Korea.
You can get your NHIC medical in about 10 days AFTER you get your ARC.
IF you are at a hakwon:
Bug your boss about the ARC (needs some paper work from them).
Get the bank account at your convenience - don't need an ARC or boss.
You probably will NEVER get your NHIC medical plan or book in spite of it being a legal requirement and contractual agreement.
IF you are at a PS:
Bug your handler about the ARC (needs some paper work from them) and you need an afternoon off to go to the immigration office.
Get the bank account at your convenience - don't need an ARC or boss.
You should be enrolled in the NHIC as soon as the admin staff get a copy of your ARC so they can do the paperwork. The proof of insurance booklet will appear about 10 days later.
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ontheway
Joined: 24 Aug 2005
Location: Somewhere under the rainbow...
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| Posted: Mon Mar 15, 2010 8:50 am Post subject: |
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It is actually a very low percentage of hogwans that do not provide the contracted and legally required medical insurance.
If you are at a good school, you should have your medical exam, get your ARC and be registered for health insurance and pension within one to three weeks. You also have to be registered at the local department of education within 10 days of your first day of actual teaching.
If you work more than a month without taking care of all these things, you may have to push your boss to get everything taken care of. It doesn't save the school any money to delay since the ARC is required and health insurance is retroactive to your first whole month. Many people in life are just slow, lazy or procrastinators. |
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taobenli
Joined: 26 Apr 2004
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| Posted: Tue Mar 16, 2010 1:52 am Post subject: |
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| We went to the health insurance office today and they said my husband can't be enrolled for 3 months (he just got his alien card and is at a PS). WTF? Also, I learned that with my weird US fellowship visa (Fulbright), I am not eligible for national health insurance, even as my husband's dependent. I was given completely wrong information from the national health office, so said it was fine as long as I was married to an E-2 holder (even though I'm on a weird visa that doesn't allow you to have an alien card). |
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taobenli
Joined: 26 Apr 2004
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| Posted: Tue Mar 16, 2010 5:34 pm Post subject: |
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| Bumping this because I'm really curious if other PS teachers have been told there's a waiting period of 3 months... |
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TheUrbanMyth
Joined: 28 Jan 2003
Location: Retired
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| Posted: Tue Mar 16, 2010 5:55 pm Post subject: |
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| ontheway wrote: |
It is actually a very low percentage of hogwans that do not provide the contracted and legally required medical insurance.
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I came here in 2001. I worked in hakwons until 2005. I used to meet a LOT of other hakwon teachers (bars, restaurants, friends of friends....). I never and I mean NEVER met ONE teacher whose hakwon provided the medical insurance.
It may be better today, but from the literally hundreds if not thousands of hakwon contracts I have reviewed on the sticky thread only about 50% or so provide the insurance and that includes the ones that only include it to get the OK from Immigration. In other words they have no intention of honoring it in real-life.
It would seem that your claim about hakwons providing medical insurance is at odds with many, many teachers on here.
This is of course not to say that all hakwons are like this...but based on real-life experience most are. |
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Mirabilis85
Joined: 09 Oct 2008
Location: Seoul
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| Posted: Tue Mar 16, 2010 10:40 pm Post subject: |
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| On a semi-related note, what percentage of your pay should be deducted for health insurance? It seems my ins. fees have been on a rollercoaster ride up and down in the past few months... |
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aaron.southkorea
Joined: 20 Jan 2010
Location: Seoul
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| Posted: Tue Mar 16, 2010 11:23 pm Post subject: |
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Don't feel like without insurance you can't see a physician. It's still relatively cheap if you're thinking about having something looked at. My insurance hasn't yet kicked in and a visit to the ENT was only 13.000 plus a prescription for a few thousand won without insurance.
Last edited by aaron.southkorea on Thu Aug 12, 2010 11:32 pm; edited 1 time in total |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Wed Mar 17, 2010 12:54 am Post subject: |
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| Mirabilis85 wrote: |
| On a semi-related note, what percentage of your pay should be deducted for health insurance? It seems my ins. fees have been on a rollercoaster ride up and down in the past few months... |
It is still under 3% of your salary but because it is percent based it will rise and fall if your pay changes (due to overtime or only working a partial month). |
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ontheway
Joined: 24 Aug 2005
Location: Somewhere under the rainbow...
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| Posted: Wed Mar 17, 2010 8:38 am Post subject: |
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| ttompatz wrote: |
| Mirabilis85 wrote: |
| On a semi-related note, what percentage of your pay should be deducted for health insurance? It seems my ins. fees have been on a rollercoaster ride up and down in the past few months... |
It is still under 3% of your salary but because it is percent based it will rise and fall if your pay changes (due to overtime or only working a partial month). |
Actually, the insurance premium is fixed. Unless your school notifies the National Health Ins office about changes in your pay, they bill the school a flat amount monthly according to your reported base pay. They do not want to hear about overtime or fluctuating pay levels at the National Health insurance office because it would be too much work for them to constantly change the amounts workers pay for health insurance.
So, your insurance amount should be the same every month, unless you have recieved some significant increase in your monthly base pay and that increase has been reported to and accepted by the Health insurance and Korean Pension offices, and they do not want to hear about such changes. They will refuse to adjust payments for small salary changes. |
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ontheway
Joined: 24 Aug 2005
Location: Somewhere under the rainbow...
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| Posted: Wed Mar 17, 2010 8:40 am Post subject: |
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| TheUrbanMyth wrote: |
| ontheway wrote: |
It is actually a very low percentage of hogwans that do not provide the contracted and legally required medical insurance.
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I came here in 2001. I worked in hakwons until 2005. I used to meet a LOT of other hakwon teachers (bars, restaurants, friends of friends....). I never and I mean NEVER met ONE teacher whose hakwon provided the medical insurance.
It may be better today, but from the literally hundreds if not thousands of hakwon contracts I have reviewed on the sticky thread only about 50% or so provide the insurance and that includes the ones that only include it to get the OK from Immigration. In other words they have no intention of honoring it in real-life.
It would seem that your claim about hakwons providing medical insurance is at odds with many, many teachers on here.
This is of course not to say that all hakwons are like this...but based on real-life experience most are. |
The problem with your experience and mine.
I have worked in Hogwans longer than you've been in Korea. I've heard of teachers w/o Health ins. on Dave's. Of course it happens and it is a significant problem and serious for the affected teachers. But, you have no basis to claim that it is a majority of hogwans. I've had Health ins at every hogwan I've worked at and I've never met a hogwan teacher who didn't have health insurance provided. I'd guess that it happens less than 10% of the time. |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Wed Mar 17, 2010 4:38 pm Post subject: |
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and in all my years in Korea I have NEVER met a hakwon teacher with their NHIC booket or NHIC coverage.
I HAVE been here for a few years and I DO know a LOT of hakwon teachers (past and present). |
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Mirabilis85
Joined: 09 Oct 2008
Location: Seoul
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| Posted: Wed Mar 17, 2010 11:57 pm Post subject: |
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| Hmm Im being charged too much then, even if the rate is 3% (I checked last years contract..which said I was responsible for 2.5%, but maybe its gone up) Time for a confrontation. |
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