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Pension...have you got it at every job?
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How many hakwon jobs paid you your proper pension
All
28%
 28%  [ 8 ]
Most (please explain below)
10%
 10%  [ 3 ]
Some (please explain below)
25%
 25%  [ 7 ]
None
35%
 35%  [ 10 ]
Total Votes : 28

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TheUrbanMyth



Joined: 28 Jan 2003
Location: Retired

PostPosted: Thu Jul 08, 2010 6:46 pm    Post subject: Pension...have you got it at every job? Reply with quote

This is a question about pension. Have you had it at every hakwon job you have had?


Only one out of four ever paid pension and that only was after I forced them to by threatening to call the pension office....a reason why I moved to public school. Steel cage matches with hakwon directors were getting old. So I voted "Some"
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ttompatz



Joined: 05 Sep 2005
Location: Kwangju, South Korea

PostPosted: Thu Jul 08, 2010 7:08 pm    Post subject: Reply with quote

I voted none.

I have never worked in a hakwon that paid into NHIC or NPS (and I worked in a few before I switched to the PS system.

I have NEVER personally known anyone working in a hakwon who was enrolled in the NPS.

.
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OculisOrbis



Joined: 17 Jul 2006

PostPosted: Thu Jul 08, 2010 7:16 pm    Post subject: Reply with quote

Two hagwon jobs, the first under-reported my income (1.3 mil instead of 2.4 mil) so I ended up paying for everything, my employer got to pocket the little bit extra and did not contribute anything that they were supposed to - approx net loss for me = 1.3 mil. I was unable to do anything about it as they went bankrupt before I became aware of their theft.

Second job was only a temporary 3 month job until PS semester started in September. Agreed on a fair wage, but didnt talk about health and pension. Apparently he wasnt expecting to contribute to either until I asked for my health insurance card - received it about 10 days later and when the job was finished I found out he reported my income as 1 mil instead of 2.5. I didnt care about that as it was a very short term job and he was great in every other respect.

Three PS jobs, all tried the 30% salary reduction scam (which means they consider pension to be calculated on 70% your salary instead of your true salary. The 30% reduction was to be applied only on your income at tax settlement time) until I set them straight. No issues with any salary or benefits following the first correction at each school. This scam is obsolete now since Jan 1, 2010 because the 30% reduction for foreigner income for income tax has been discontinued so you shouldnt have to worry about it anymore.

Advice: Insist on itemized pay statements. Always call the pertinent offices and verify everything for yourself early on in a job and every few months after that if you work in a hagwon. Don't trust that they said they did it, did it correctly, or even that they are continuing making the contributions.


Last edited by OculisOrbis on Fri Jul 09, 2010 2:50 am; edited 1 time in total
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sojusucks



Joined: 31 May 2008

PostPosted: Fri Jul 09, 2010 2:22 am    Post subject: Reply with quote

ttompatz wrote:
I voted none.

I have never worked in a hakwon that paid into NHIC or NPS (and I worked in a few before I switched to the PS system.

I have NEVER personally known anyone working in a hakwon who was enrolled in the NPS.

.


I and others I know have had the same experience.
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SeoulNate



Joined: 04 Jun 2010
Location: Hyehwa

PostPosted: Fri Jul 09, 2010 3:07 am    Post subject: Reply with quote

Working for a Hogwon right now and I am getting pension along with my 5 coworkers. And before anyone asks, yes, I checked with the office.
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WadRUG'naDoo



Joined: 15 Jun 2010
Location: Shanghai

PostPosted: Fri Jul 09, 2010 3:20 am    Post subject: Reply with quote

Get a good enough salary and pension doesn't matter. At one time, I was adamant on getting it and then realised that I didn't care
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TheUrbanMyth



Joined: 28 Jan 2003
Location: Retired

PostPosted: Sun Jul 11, 2010 11:00 pm    Post subject: Reply with quote

So far 4 out of 14 got their promised pension benefits...anybody else wish to weight in?
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cmr



Joined: 22 Mar 2006

PostPosted: Mon Jul 12, 2010 3:07 am    Post subject: Reply with quote

I answered "most" because I did get it (the pension refund) after my first hagwon job before going back home. The other hagwons that followed didn't pay pension, but I knew it and had a better salary accordingly, so there was no problem or surprise there.
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tophatcat



Joined: 09 Aug 2006
Location: under the hat

PostPosted: Mon Jul 12, 2010 3:31 am    Post subject: Reply with quote

didn't get it at my first school, I've gotten it since. I wouldn't accept a job or continue to work at a school that doesn't participate in pension
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Nester Noodlemon



Joined: 16 Jan 2009

PostPosted: Mon Jul 12, 2010 5:09 am    Post subject: Reply with quote

: 2/4
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ontheway



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

PostPosted: Mon Jul 12, 2010 8:26 am    Post subject: Reply with quote

tophatcat wrote:
didn't get it at my first school, I've gotten it since. I wouldn't accept a job or continue to work at a school that doesn't participate in pension



And this is the point.

Many years ago, which is what this poll is showing, it was quite common - at least 25% of schools refused to pay into pension at all.

These days, it is only 1% or 2% that refuse to pay into pension for their legitimate, full-time employees. It has gradually tightened up due to the linkage of pension and health insurance, and due to competition for teachers up until this year.

Of course, many people are exempt, which this poll overlooks:
* Independent contractors are legally and properly not enrolled by the school.
* Many part-time employees are exempt as well.
* Individuals over age 60 are exempt ... (and although the public schools will just pocket that savings for employees over age 60, if they allow anyone of that age at all, many good hogwans will pass along that money to the employee.)
* Individuals from exempt countries. (South Africans, for example.)
* Individuals who qualify as exempt according to one of the other pension rules.

Yet people who are legally exempt may not understand that that is the case. Dave's myths being what they are...

And since the poll asks for a cumulative history over all the years anyone was ever here, and since it used to be much more common, it is probable statistically, based on random chance, that most teachers who worked more than three jobs will have hit upon a school that refused to pay any pension at all during the period prior to 2005/2006.

(After all, it is highly likely that if you get a list of birthdates (not years, but month/day) in a class of more than 40 students that you will find at least 2 with the same birthday. It seems improbable with only 40+ people and 365 days, but it works out.)

Further, since the poll asks if the "proper" pension was paid, people who think what they got isn't fair will record their vote in a skewed manner as well.

Finally, of course, many people in years past found themselves without pension in job after job just because they were incompetent when it came to job search and contract analysis. So, we would expect such people to show up as "never."

Schools, and notoriously public schools that cheat on severance and airfare and that used the 30% income reduction ploy promoted by the pension office itself, still cheat their teachers in a variety of ways, including underreporting income to reduce pension, health insurance and taxes.

But, schools that refuse to pay pension at all have become quite rare for Korea - 1% to 2%.
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TheUrbanMyth



Joined: 28 Jan 2003
Location: Retired

PostPosted: Mon Jul 12, 2010 6:34 pm    Post subject: Reply with quote

ontheway wrote:
[

But, schools that refuse to pay pension at all have become quite rare for Korea - 1% to 2%.



Where are you getting this percentage from?

Any actual stats?
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wooden nickels



Joined: 23 May 2010

PostPosted: Mon Jul 12, 2010 7:13 pm    Post subject: Reply with quote

TheUrbanMyth wrote:
ontheway wrote:
[

But, schools that refuse to pay pension at all have become quite rare for Korea - 1% to 2%.



Where are you getting this percentage from?

Any actual stats?


that's my question, also
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Young FRANKenstein



Joined: 02 Oct 2006
Location: Castle Frankenstein (that's FRONKensteen)

PostPosted: Tue Jul 13, 2010 3:14 am    Post subject: Reply with quote

My first hagwon was so long ago, I don't even know, but with all the other financial shenanigans he pulled before I ran, I suspect not.

The next one didn't, but I didn't realize it until years later. Got NHIC, though.

The final one did. NPS, NHIC, the whole dealio.

Switching over to uni, one REFUSED to pay into both NPS and NHIC, so we filed complaints and the respective boards fined him into hock. Got my money in the end.

Current uni pays into everything.

So in 14 years,
3/5 for pension
3/5 for insurance (only the unis were obligated to provide it under the law; the hagwons were all pre-2006)
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Young FRANKenstein



Joined: 02 Oct 2006
Location: Castle Frankenstein (that's FRONKensteen)

PostPosted: Tue Jul 13, 2010 3:24 am    Post subject: Reply with quote

ontheway wrote:

* Independent contractors are legally and properly not enrolled by the school.
[...]
Finally, of course, many people in years past found themselves without pension in job after job just because they were incompetent when it came to job search and contract analysis. So, we would expect such people to show up as "never."

I get the feeling you believe yourself not to be among the unwashed "incompetent" as you put it, so you must have been an expert in Korean labor, pension, and tax laws before you signed your first contract, right? You knew what an independent contractor was and what it entailed and how it differed from a simple employee? You knew who was exempt from NHIC and pension and all the the other nitty gritty details all those other "incompetent" people got screwed on, including when those laws changed and what the changes entailed, right?

I'm sure you do no wrong. You're my hero.
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