Social security rights that insurers should know ✨

Social security rights that insurers should know ✨

For this article, we would like to present to you about what you should know about your social security rights to leave each other. If you're ready, let's go see it.

🔸 Get to know Social Security

Social security is a guarantee of life within a group of members whose income and contributions to the social security fund are paid to the social security fund in order to account for the risks that may arise from Sickness, childbirth, disability, death, child support old age and including unemployment in order to receive medical treatment And there is a continuous replacement in terms of income. which those who are insured under the system of social security Can be divided into 3 sections as follows: Section 33, Section 39, and Section 40, which are detailed as follows:

🔸 Those who are insured under section 33

An insured person under section 33 is an employee who is not less than 15 years of age and not over 60 years of age on the date of entering and working in an establishment with one or more employees.

The social security contribution rate in Section 33, the insured must It is submitted to the Social Security Fund every month, calculated on the basis of the minimum wage of 1650 baht per month and a maximum of not more than 15,000 baht per month. The government will issue another contribution to the fund.

The rights and benefits that the insured under section 33 will receive can be divided into 7 cases as follows:

1. In case of illness

which the insured has the right to receive health promotion and disease prevention expenses in accordance with the rules and at the rates that the medical committee has set This includes the subject of vaccination in accordance with the outbreak situation established each year. which can receive the service at the hospital that the Social Security Office has set the right

2. In case of childbirth

The insured will receive a maternity allowance in the amount of 15000 baht and there is no limit to the hospital and the number of times. They can also be ready to receive a maternity leave allowance of 50% of the average wage for 90 days if the insured is a woman. and if the insured person is a man, if he has a lawful registered wife Or a woman who lives together as a husband and wife will receive 15,000 baht for the cost of maternity leave.

3. In case of disability

which if the insured will receive Money to compensate for lack of income can be divided into 2 cases

- Disability at a level with mild damage which will receive compensation for lack of income in the amount of 30% or receive a reduction of not more than 30% of the daily wages in accordance with Article 57 and not more than 180 months

- Level disability with severe damage In which the insured will receive compensation for lack of income in the amount of 50% of the daily wages under Section 57 for life.

4.In case of death

In the event that the insured has paid contributions of 36 months or more but less than 120 months, the death benefit will be 50% of the four-month average wage and funeral expenses. In the amount of 50,000 baht and in the case of contributions of 120 months or more will receive a death benefit in the amount of 50% of the average wages for 12 months and funeral expenses in the amount of 50,000. baht

5. In case of old age

If the insured will receive the old age pension, which is the money that is gradually paid monthly for the rest of the life which can be divided into two cases

- In the event of full contributions of 180 months or 15 years, the monthly old-age pension is 20% of the average wages for the last 60 months.

- And in the case of contributions of more than 180 months or 15 years or more, the monthly old-age pension will be increased in the amount of 1.5% from the rate of 20% every 12 months.

6. In case of child support

In which the insured will receive a child allowance of 800 baht per month, which must be a legitimate child under six years of age and not more than three at a time.

7. In case of unemployment

which can be divided into 3 cases

- In the event of termination of employment, which will receive compensation during the period of unemployment in the amount of 70% of wages and not more than 200 days each time

- In case of resignation or termination of the employment contract Compensation will be paid during the unemployed amounting to 45% of wages and each time not exceeding 90 days, effective from March 1, 2020 to February 28, 2022.

- In the event of unemployment due to force majeure, which will receive compensation during the unemployment period in the amount of 50% of wages and not more than 90 days each time.

🔸 Voluntary Insured Person, Section 39

An insured person under section 39 is a person who works and is insured under section 33. Came earlier and left work but still needs social security treatment

which the contributions that the insured under section 39 Must be remitted will be equal to the amount of 432 baht per month, which the insured must have to send contributions every month continuously, which if not contributed within 3 consecutive months or within then for a period of 12 months or failing to make contributions in the amount of 9 months, which will immediately be deemed to have terminated the status of an insured person under Article 39

- What are the qualifications of an insured applicant under Article 39?

which must be a person who has been in the insured under section 33 and must have paid contributions for a period of not less than 12 months and has been retired for no more than six months from the date of retirement and including must not be a person receiving compensation in case of disability from the Social Security Fund

- Rights and benefits for the insured under Article 39

which the insured in Section 39 will be covered for six consecutive cases from being insured under Section 33 which includes in the event of an illness in case of childbirth In the event of a disability case of death child support case and in the case of old age which will receive various benefits The same is true for the insured under Section 33.

🔸Informal Insured Section 40

An insured person under section 40 is a general person who is self-employed or is an informal worker and is not insured under section 33. or the insured under section 39

In which social security contributions under Section 40 will be paid, there are three options: a contribution of 70 baht per month, a contribution of 100 baht per month, and a payment of contributions. 300 baht per month

What are the qualifications of a Section 40 applicant?

- Must be a person of Thai nationality or a person holding a non-Thai national ID card with the first digit of 0, 6 or 7.

- At least 15 years of age and not more than 65 years of age

- Being a physically handicapped person who recognizes their rights

- Not being insured under Section 33 and in Article 39 or government officials and state enterprise employees

The rights and benefits that the insured under Section 40 will receive can be divided According to the contributions that the insurer makes every month, the details are as follows.

In the case of making contributions in the amount of 70 baht per month

- In the event of an accident or illness, you will receive compensation for lack of income up to 300 baht per day and not more than 30 days per year.

- In case of disability, which will receive compensation for lack of income in the amount of 500 baht to 1000 baht per month and not more than 15 years

- In the event of death, funeral expenses will be paid in the amount of 25,000 baht and will receive an additional 8000 baht when the contributions are paid 60 months before death.

In the case of paying contributions in the amount of 100 baht per month

- In the event of an accident or illness will receive compensation for lack of income up to 300 baht per day for no more than 30 days per year

- In case of disability will receive compensation for lack of income in the amount of 500 baht to 1000 baht per month and up to 15 years

- In the event of death, a funeral expense will be paid in the amount of 25,000 baht and an additional payment of 8000 baht will be received when the contributions are made 60 months before death.

- In the event of old age, you will receive an old age pension of 50 baht per month and can save up to 1000 baht per month.

In the case of paying contributions in the amount of 300 baht per month

- In the event of an accident or illness will receive compensation for lack of income up to 300 baht per day, not more than 90 days per year

- In case of disability Will receive compensation for lack of income in the amount of 500 baht to 1000 baht per month for life.

- In the event of death, the funeral will be paid in the amount of 50,000 baht.

- In the event of old age, the old age pension will be paid in the amount of 150 baht per month, and in the case of 180 months of contributions, you will receive an additional payment of 10,000 baht and can save an additional 1000 baht per month.

- In case of child support, child allowance will be paid in the amount of 200 baht per person per month and not more than two people at a time.

How are you? Hope this article will be useful for all readers and see you in the next article.

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