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mind_body_and_seoul
Joined: 14 Mar 2005
Location: Gangnam
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 Posted: Fri Jul 08, 2005 10:19 pm Post subject: Why did the National Pension Coroporation send me this? |
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| Okay, so I got a letter from the National Pension Corporation, and it looks like they want me to declare my monthly income and give them my bank details. Why did they send me this? What do I need to do? Is this because my employer hasn't been deducting pension payments from my paycheck or something? It says "Monthly Income Declaration of Foreign Insured Person." What does Insured Person mean? I've been here for more than 4 months now, and my employer still hasn't signed me up for health insurance. He says he doesn't know how. He says we have to go to some place. He says it will be better to lie about what I make because most people do, so if I tell them I only make 1 million won per month I won't have to pay as much. I dunno, this country is just so corrupt. Anyway, what does the national pension corporation want from me? |
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eamo
Joined: 08 Mar 2003
Location: Shepherd's Bush, 1964.
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| Posted: Fri Jul 08, 2005 10:35 pm Post subject: |
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Sounds like your boss is pulling moves.
Do you have an E-2 visa? |
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Grotto
Joined: 21 Mar 2004
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| Posted: Fri Jul 08, 2005 10:39 pm Post subject: |
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| your boss might be declaring X amount of salary being paid...or...he isnt paying the money to the pension office and they want to see if he has been deducting it from your pay. |
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Ya-ta Boy
Joined: 16 Jan 2003
Location: Established in 1994
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| Posted: Fri Jul 08, 2005 11:45 pm Post subject: |
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They need to know how much you make so they know how much your monthly contribution should be. YOU are the insured person. It sounds like the bank details are so it can be taken out of your account each month (but I'm not sure about this part).
Tell them the truth about how much you make. It will determine not only how much you pay, but ALSO how much your boss pays. Assuming you are from a country whose citizens get all this money back, it's all to your benefit. It's kind of like an extra 'severance pay'.
The health insurance thing is something else altogether. If you sign up now you will have to pay for all the time since the day you got your ARC even though you were not covered. You'll just be out that money. On the other hand, if you get run over by a run away taxi tomorrow you may wish you had the insurance. It's your call. |
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Derrek
Joined: 15 Jan 2003
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| Posted: Fri Jul 08, 2005 11:47 pm Post subject: |
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Health insurance can be gotten at the Dong office. Your employer is either lazy or telling you a fib.
Get him off of his ass, because if you go there to get it now, you'll have to BACK PAY all of the amount anyway!!! I did!!!! We were 3 months late, and we had to pay the entire time from when my E-2 alien card said my Visa started!
Getting your health insurance is really not that difficult! |
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mind_body_and_seoul
Joined: 14 Mar 2005
Location: Gangnam
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| Posted: Sat Jul 09, 2005 12:19 am Post subject: |
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Where is the Dong office? How much will I have to pay for the 4 months I owe?
If I get run over by a taxi, can I just back pay all the insurance then and still be covered? Is it true that you're only covered for 70% of the bills anyway?
That's what I'm worried about, if I have to be hospitalized and stay in Korea for treatment. If I get really sick I'll just go to England where I can get free treatment. But what if I break my leg or something and had to stay in Korea? Or have to pay bills for emergency treatment.
I was worried about this before I came here. I was in England and was thinking about taking out heath insurance with a UK company. But the stupid lying recruiter told me not to worry, I'd definitely be covered from the day I arrived, because it's Korean law that you have to have health insurance. He told me it would work out a lot cheaper than me paying the $400 to the UK company. Man I am just way too naive. |
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hari seldon
Joined: 05 Dec 2004
Location: Incheon
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| Posted: Sat Jul 09, 2005 12:44 am Post subject: |
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My boss pulled some kind of fast shenanigans with the NHIC office in Incheon to evade paying his share of the retroactive payments when I insisted he sign me up. I think he told them I was only in Korea temporarily despite the fact that I told him I'd be here for another year.
Of course, he's probably also motivated by his desire to evade paying into the pension plan which I understand is also triggered. I'm so sick of dealing with the Lies and the Lying Liar Hagwon Owners who tell them... |
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tzechuk
Joined: 20 Dec 2004
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| Posted: Sat Jul 09, 2005 1:06 am Post subject: |
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| mind_body_and_seoul wrote: |
| Where is the Dong office? How much will I have to pay for the 4 months I owe? |
Your boss doesn't know how to pay the national health insurance?/ He is definitely lying.
Ask your co-worker or your immigration office where the dong-office is. 4 months isn't that much.. about 100,000 or so won.
| Quote: |
| If I get run over by a taxi, can I just back pay all the insurance then and still be covered? Is it true that you're only covered for 70% of the bills anyway? |
No to the first question and yes to the second... but 70% is a heck of a lot in Korea... You pay only 3,000 won per doctor's visit, the rest is covered by the national health insurance.
I think you either give your boss an ultimatum to tell him that if he doesn't do it for you, you will go and do it for yourself. If he thinks you are bluffing.. then I think you should go ahead and do it and get him charged.. because he also has to contribute.
As for pension.. this is a different thing. I don't know much about it except i know that it's useless for you and me because we UKers don't get any money back!  |
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Kimchieluver
Joined: 02 Mar 2005
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| Posted: Sat Jul 09, 2005 4:44 am Post subject: |
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| I agree with tzechuck. Get your sweet ass covered ASAP. My wife knows how to get health insurance for me, damn skippy your boss knows how to get your's. He's playing you, evading taxes and he'll probably screw you at the end as well. Call his bluff and make him get your health insurance. |
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Son Deureo!
Joined: 30 Apr 2003
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| Posted: Sat Jul 09, 2005 9:07 pm Post subject: |
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| tzechuk wrote: |
| Quote: |
| If I get run over by a taxi, can I just back pay all the insurance then and still be covered? Is it true that you're only covered for 70% of the bills anyway? |
No to the first question and yes to the second... |
Actually, you can wait until something happens to you and then back pay into the system. A friend of mine who broke his leg did exactly that. |
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Real Reality
Joined: 10 Jan 2003
Location: Seoul
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| Posted: Sat Jul 09, 2005 9:24 pm Post subject: |
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| tzechuk wrote: |
| Your boss doesn't know how to pay the national health insurance?/ He is definitely lying. |
Here is an article excerpt from the Chosun Ilbo:
A Country of Liars
South Korea saw 16 times as many perjury cases in 2003 than Japan, 39 times as many libel cases and 26 times as many instances of fraud. That is extraordinarily high given Japan's population is three times our own. The common denominator of the three crimes is lying; in short, we live in a country of liars. The prosecution devotes 70 percent of its work to handling the three crimes, the former justice minister said. And because suspects lie so much, the indictment rate in fraud cases is 19.5 percent, in perjury 29 percent and in libel 43.1 percent. "Internationally, too, there is a perception that South Korea's representative crime is fraud," Kim said, adding that recent major scandals show how rampant lying is in this country.
Lying is so common in our society because few recognize that it leads to crime. "What's wrong with telling a little lie?" they think. And here the big problem is that men of power, rather than ordinary citizens, indulge in lying on a massive scale, to the point where it is regarded as a necessary means of survival in some circles.
by Kim Dae-joong, Chosun Ilbo (July 3, 2005)
http://english.chosun.com/w21data/html/news/200507/200507030027.html |
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bucheon bum
Joined: 16 Jan 2003
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| Posted: Wed Jul 20, 2005 9:57 pm Post subject: |
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| Son Deureo! wrote: |
| tzechuk wrote: |
| Quote: |
| If I get run over by a taxi, can I just back pay all the insurance then and still be covered? Is it true that you're only covered for 70% of the bills anyway? |
No to the first question and yes to the second... |
Actually, you can wait until something happens to you and then back pay into the system. A friend of mine who broke his leg did exactly that. |
 Seriously? Guess I was smart not to have insurance then.
And yes, the boss has to know how to pay the national health insurance. |
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simone
Joined: 15 Jan 2003
Location: Now Mostly @ Home
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| Posted: Thu Jul 21, 2005 6:27 pm Post subject: |
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I had an emergency appendectomy, ended up paying only about 300 out of my own pocket.
Total bill was over 3 million.
I'm not sure if I'd have been able to get onto insurance retroactively, to get the treatment covered. I certainly wasn't going to wait for paperwork to go through before they ripped that damned thing out of me! 
Make sure you can apply the health insurance retroactively before you gamble with your health. Anyone can need an emergency appendectomy, except of course those who've already had one.
-- I was lucky, too. One week earlier I was on an isolated island in the philippines.... I could have died if I had had a longer holiday..... |
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