Expansion of industrial accident insurance for special types of workers
Industrial accident insurance for special type workers in the blind spot of the social security system will be expanded on July 1, 2023.
A chauffeur A suffered a major injury in July last year in a traffic accident during a chauffeur service, but was not covered by industrial accident insurance because he did not belong to a specific company. In January this year, B, who was driving a truck, also suffered a fractured leg in a collision with an opponent's vehicle that violated the center line, but was not covered by industrial accident insurance for the same reason as A.
As such, people who work at multiple companies at the same time, not one place, have not been eligible for industrial accident insurance because they do not have "exclusiveity." As such, people who work at multiple companies at the same time, not one place, have not been eligible for industrial accident insurance because they do not have "exclusiveity." From July 1, 2023, not only special-type workers working for various companies but also those who provide labor to an unspecified number of companies through online platforms will be protected by industrial accident insurance. The Ministry of Employment and Labor said that the current Industrial Accident Insurance Act had limited protection for special types of workers and platform workers under the "exclusive requirement" to provide labor to only one specific company.
In addition, under the revised Industrial Accident Insurance Act, all general cargo trucks are also protected by industrial accident insurance, including consignment drivers, proxy parking workers, tourist interpreters, children's commuting bus drivers, after-school instructors, and construction site cargo trucks. For the soft landing of the system, some occupations will be implemented step by step in consideration of the preparation period.
The government predicted that about 925,000 additional labor providers will benefit from industrial accident insurance due to the abolition of the exclusive nature of industrial accident insurance and the expansion of applicable occupations. The employer shall report the income of the labor provider generated from July to the Korea Workers' Compensation and Welfare Service, and the industrial accident insurance premium shall be borne by the labor provider and the employer in half. Meanwhile, the Korea Workers' Compensation and Welfare Service operates an insurance premium reduction system for some occupations to support small businesses and labor providers who complain of insurance premiums due to the expansion of industrial accident insurance for labor providers.
Some of the necessary expenses will also be provided to platform operators who perform industrial accident insurance affairs on behalf of business owners.
Report of cancellation of industrial accident insurance subscription is based on the date of employment and turnover of special type workers
- Report of change of mouth
When the employer receives or fails to receive labor for the first time from a special type of worker, he/she shall report his/her employment to the Public Corporation within 15 days of the following month, the date on which the cause occurs. In principle, the date of employment refers to the date on which the workplace first provided labor. In other cases, if a special type of worker provides labor before the enforcement date of the Act, the date of employment is the enforcement date of the Act. A door-to-door salesperson (sponsored door-to-door salesperson) shall be notified by the Ministry of Employment and Labor (based on a person who regularly performs door-to-door sales work) be determined by the date of employment according to. Where new labor is provided after the enforcement date of the Act, the date of employment shall be deemed the date of the first provision of labor. In the case of a loan counselor, the date of first providing labor shall be the date of registration as a loan recruiter with the Financial Business Association. On the contrary, the turnover date is, in principle, the last day the workplace provided labor. In the case of loan counselors, the date of termination of labor provision is the date of termination of the contract with their financial institutions or loan recruitment corporations.
- Application for cancellation (correction) of employment date transfer date information
The employer, who is the applicant, shall apply for cancellation (correction) of information on special types of workers who have to revise the date of employment change. The reason for the application is when it is confirmed afterwards that information, such as transfer of employment, has been reported differently from the facts due to errors, etc. Information, such as job change, includes name, resident registration number, address, contact information, job change date, etc. Documents related to industrial accident insurance are "application for cancellation of information such as employment of special type workers" or "application for correction of information such as employment of special type workers, " and can be applied in writing.
- Report of change in industrial accident insurance
If the name or resident registration number of the special type worker is changed or corrected, a special type worker or his/her employer shall prepare a report on the change of the specifications of industrial accident insurance for the special type worker and submit it to the Korea Workers' Compensation and Welfare Service within 14 days. A special type worker or his/her employer may report the relevant matters in accordance with an application for correction of the insured's employment information and employment information if information such as employment date, turnover date, address, contact information, etc. is changed.
- Application for exclusion from industrial accident insurance
If you wanted, you could apply for exclusion from industrial accident insurance regardless of the reason. However, from July 1, 2021, it can only be excluded from the reasons for applying for exclusion from industrial accident insurance for special types of workers. If you close for more than a month due to injury, disease, pregnancy, childbirth, or childcare, or if you close for more than a month due to reasons attributable to the employer, it is a reason for applying for exemption from industrial accident insurance for special types of workers. The employer must submit documentary evidence. If you look at the reasons for the application for exclusion and the proof document, ▲ If you are closed for more than a month due to an injury disease, pregnancy, or childbirth, you must submit a medical certificate or opinion from a doctor, dentist, or oriental doctor. ▲ If the child is closed for more than one month due to childcare, a family relationship certificate or proof of enrollment of children under the age of 8 or 2nd grade of elementary school must be submitted. ▲ If you are closed for more than one month due to reasons attributable to the employer, you must submit a certificate of closure of the National Tax Service or a confirmation of the employer.
Industrial accident insurance premiums for special types of workers
Industrial accident insurance premiums for special-type workers are calculated by multiplying the monthly remuneration announced by the Minister of Employment and Labor by the industrial accident insurance premium rate of the relevant project. In the case of entering or changing jobs in the middle of the month, the insurance premium for the month is calculated on a daily basis (the employer must pay the monthly premium for the month by the 10th of the following month) Special type workers are subject to special cases under the Industrial Accident Insurance Act and are not subject to wage bond charges or asbestos relief contributions. (Monthly remuneration) Regardless of actual income, the remuneration amount for each job announced by the Minister of Employment and Labor is applied. (Industrial accident insurance premium rate) The industrial accident insurance premium rate of the workplace to which the worker belongs (applied) is applied. If a special type of worker enters or shifts in the middle of the month, the insurance premium for the month is calculated on a daily basis. Industrial accident insurance premiums for special type workers shall be borne by the employer and the worker, respectively, and the employer shall pay by deducting the insurance premium burden of special type workers.
How to easily get an industrial accident insurance subscription certificate ▲ Access the employment and industrial reinsurance total service site. Click on the workplace, apply/issuance the certificate of proof, and print out the certificate of insurance subscription. ▲ Call center 1588-0075, short number 217 (application for issuance of certificate), business owner or agent only. ▲ Send a fax or visit to the nearest Korea Workers' Compensation and Welfare Service for the issuance of a certificate (for workplaces). ▲ The certificate is issued by an unmanned civil petition issuing machine located in local governments, public institutions (Si, Gun-gu, Eup, Myeon-dong), and transportation facilities (terminal, subway, train station). For information on the location of the unmanned civil petition issuing machine, click the unmanned civil petition issuing machine information section on the "Government 24" website, and check the installation location. The ▲ Government 24 website can issue an inquiry and print out the industrial accident insurance subscription certificate.
