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勞動議題 yang - 勞健保資訊 | 2021-03-11 | 點閱數: 3460
勞保/就保高薪低報不是省保費,而是讓自己的各種給付權益都受損!

勞保/就保高薪低報不是省保費,而是讓自己的各種給付權益都受損喔!!!

大家要確認雇主有沒有依照「勞工保險投保薪資分級表」,

正確申報自己的勞保月投保薪資,

這樣未來需要申請給付的時候,才能得到足夠的基本保障!

勞保保障有哪些?

√女性勞工生小寶寶會有生育給付

√勞工不幸受傷或生病會有傷病給付、失能給付

√退休時有老年給付

√死亡時會有死亡給付

 

 

高薪低報是什麼?

雇主以低於您薪資所對應的投保薪資加勞保。

例如:黃葵月薪30,000元,應以30,300元級距加勞保

雇主卻以22,000元最低級距加保

只要投保薪資低於實際薪資,就是高薪低報!!!

 

高薪低報雖然可以降低公司支出,勞工要繳的勞(就)保費也可以減少,

但高薪低報不僅違法,而且低報保費表示可領取的保障少,吃虧的還是勞工自己!

 

接下來小葵為大家舉一個例子:

勞保生育給付說明:

當勞保的女性被保險人,已生產或有早產情況時,

依被保險人生產或早產當月(退保後生產者為退保當月)起前6個月的平均月投保薪資,

單胎一次給與勞保生育給付60日,雙生以上還會按比例增給。

※如果雇主正確申報花粉葵的薪資,他可領到的勞保生育給付:

勞保生育給付:43,900x2個月(60日)=87,800元

※可是雇主低報了花粉葵的薪資,她可領到的勞保生育給付變成:

勞保生育給付:22,000x2個月(60日)=44,000元

將會少領43,800元!

高薪低報會直接影響勞工的生育給付、傷病給付、失能給付、老年給付、死亡給付額度,每月的少繳對整體權益是很大的影響喔!

 

※我該怎麼做才能知道自己的投保薪資有沒有被高薪低報?

查詢方式:

一、 以自然人憑證登入本局e化服務系統(https://edesk.bli.gov.tw/na/)查詢。

二、 透過「勞保局行動服務APP」查詢。

三、 勞動保障卡查詢。

四、 郵政金融卡查詢。

五、 至勞保局各地辦事處臨櫃查詢。

此外,

如果雇主違反勞工保險條例及就業保險法的規定,

造成保險給付短少,可循法律途徑提起訴訟。

 

 

▶個人資料查詢管道

https://www.bli.gov.tw/0100073.html

▶一次拆穿高薪低報懶人包

https://www.bli.gov.tw/0020718.html  (PDF檔)

 

 

網友個人意見,不代表本站立場,對於發言內容,由發表者自負責任。
發表者
樹狀展開
 

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