{"id":26014,"date":"2018-04-27T14:19:48","date_gmt":"2018-04-27T07:19:48","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=26014"},"modified":"2022-06-09T14:24:33","modified_gmt":"2022-06-09T07:24:33","slug":"1-816-khi-so-bao-hiem-xa-hoi-bi-dem-ra-the-chap","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-816-khi-so-bao-hiem-xa-hoi-bi-dem-ra-the-chap\/","title":{"rendered":"1.816. Khi s\u1ed5 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1ecb \u0111em ra th\u1ebf ch\u1ea5p"},"content":{"rendered":"<strong>(TN) &#8211; C\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (BHXH) \u0111\u1ecba ph\u01b0\u01a1ng ph\u1ea3n \u00e1nh, \u0111\u00e3 c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng ng\u01b0\u1eddi lao \u0111\u1ed9ng (NL\u0110) \u0111em s\u1ed5 BHXH \u0111i th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 l\u1ea1m d\u1ee5ng ch\u00ednh s\u00e1ch BHXH, g\u00e2y th\u00e2m h\u1ee5t ngu\u1ed3n qu\u1ef9 v\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a ch\u00ednh NL\u0110.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-26019 img-fluid img-fluid\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/16-2-450x253.jpg\" alt=\"\" width=\"450\" height=\"253\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/16-2-450x253.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/16-2-350x198.jpg 350w, https:\/\/anvilaw.com\/wp-content\/uploads\/2022\/06\/16-2.jpg 640w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p><em>S\u1ed5 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb khi ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh \u0111\u00fang nh\u00e2n th\u00e2n. \u1ea2nh: NAM H\u1ea2I<\/em><\/p>\n<p><strong>L\u00fang t\u00fang<\/strong><\/p>\n<p>Theo quy \u0111\u1ecbnh c\u1ee7a Lu\u1eadt B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (BHXH) n\u0103m 2014, NL\u0110 c\u00f3 quy\u1ec1n \u0111\u01b0\u1ee3c gi\u1eef s\u1ed5 BHXH \u0111\u1ec3 qu\u1ea3n l\u00fd, theo d\u00f5i qu\u00e1 tr\u00ecnh tham gia BHXH c\u1ee7a b\u1ea3n th\u00e2n, c\u1ee7a ch\u1ee7 s\u1eed d\u1ee5ng lao \u0111\u1ed9ng; vi\u1ec7c b\u00e0n giao s\u1ed5 BHXH cho NL\u0110 c\u00f2n g\u00f3p ph\u1ea7n h\u1ea1n ch\u1ebf t\u00ecnh tr\u1ea1ng c\u00e1c doanh nghi\u1ec7p (DN) tr\u1ed1n \u0111\u00f3ng BHXH, v\u00e0 gi\u00fap ch\u1ee7 \u0111\u1ed9ng h\u01a1n trong vi\u1ec7c th\u1ef1c hi\u1ec7n gi\u1ea3i quy\u1ebft c\u00e1c ch\u1ebf \u0111\u1ed9 BHXH cho NL\u0110.<\/p>\n<p>Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c BHXH Vi\u1ec7t Nam Tr\u1ea7n \u0110\u00ecnh Li\u1ec7u cho bi\u1ebft, vi\u1ec7c NL\u0110 \u0111\u01b0\u1ee3c t\u1ef1 gi\u1eef s\u1ed5 BHXH c\u1ee7a b\u1ea3n th\u00e2n s\u1ebd gi\u00fap NL\u0110 gi\u00e1m s\u00e1t \u0111\u01b0\u1ee3c vi\u1ec7c ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u00f3 \u0111\u00f3ng n\u1ed9p BHXH cho m\u00ecnh hay kh\u00f4ng, gi\u00fap h\u1ea1n ch\u1ebf v\u00e0 tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng n\u1ee3 ti\u1ec1n \u0111\u00f3ng, kh\u00f4ng \u0111\u00f3ng ho\u1eb7c \u0111\u00f3ng kh\u00f4ng \u0111\u1ee7 ti\u1ec1n BHXH cho NL\u0110, b\u1ea3o \u0111\u1ea3m quy\u1ec1n l\u1ee3i an sinh c\u1ee7a NL\u0110.<\/p>\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, NL\u0110 s\u1ebd bi\u1ebft \u0111\u01b0\u1ee3c di\u1ec5n bi\u1ebfn qu\u00e1 tr\u00ecnh tham gia BHXH g\u1ed3m: Ch\u1ee9c danh ngh\u1ec1 c\u00f4ng vi\u1ec7c, c\u1ea5p b\u1eadc, ch\u1ee9c v\u1ee5, m\u1ee9c ti\u1ec1n l\u01b0\u01a1ng, ti\u1ec1n c\u00f4ng l\u00e0m c\u0103n c\u1ee9 \u0111\u00f3ng BHXH, t\u1ef7 l\u1ec7 \u0111\u00f3ng BHXH\u2026 v\u00e0 theo \u0111\u00f3, s\u1ebd k\u1ecbp th\u1eddi ph\u1ea3n \u00e1nh l\u1ea1i v\u1edbi ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng, c\u00f4ng \u0111o\u00e0n c\u01a1 c\u1edf, c\u01a1 quan BHXH \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh, b\u1ed5 sung k\u1ecbp th\u1eddi khi c\u00f3 sai s\u00f3t ho\u1eb7c thay \u0111\u1ed5i, b\u1ea3o \u0111\u1ea3m s\u1ed5 BHXH c\u00f3 \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin v\u1ec1 nh\u00e2n th\u00e2n v\u00e0 qu\u00e1 tr\u00ecnh \u0111\u00f3ng BHXH c\u1ee7a NL\u0110.<\/p>\n<p>Tuy nhi\u00ean g\u1ea7n \u0111\u00e2y, t\u1ea1i m\u1ed9t s\u1ed1 \u0111\u1ecba ph\u01b0\u01a1ng \u0111\u00e3 x\u1ea3y ra t\u00ecnh tr\u1ea1ng NL\u0110 \u0111em s\u1ed5 BHXH \u0111i th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. Hi\u1ec7n ch\u01b0a c\u00f3 th\u1ed1ng k\u00ea c\u1ee5 th\u1ec3 v\u1ec1 s\u1ed1 NL\u0110 th\u1ebf ch\u1ea5p s\u1ed5 BHXH t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0ng th\u1ef1c t\u1ebf n\u00e0y di\u1ec5n ra \u1edf h\u1ea7u h\u1ebft c\u00e1c t\u1ec9nh th\u00e0nh tr\u00ean c\u1ea3 n\u01b0\u1edbc. Th\u00f4ng tin t\u1eeb t\u1ec9nh Ph\u00fa Y\u00ean cho bi\u1ebft, c\u01a1 quan BHXH t\u1ec9nh n\u00e0y \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c c\u00f4ng v\u0103n t\u1eeb ng\u00e2n h\u00e0ng \u0111\u1ec1 ngh\u1ecb ph\u1ed1i h\u1ee3p trong vi\u1ec7c c\u1ea5p v\u00e0 chi tr\u1ea3 ch\u1ebf \u0111\u1ed9 cho nh\u1eefng NL\u0110 \u0111\u00e3 \u0111em s\u1ed5 BHXH \u0111i th\u1ebf ch\u1ea5p. Th\u1ef1c t\u1ebf n\u00e0y kh\u00f4ng ch\u1ec9 g\u00e2y l\u1ed9n x\u1ed9n trong vi\u1ec7c c\u1ea5p, qu\u1ea3n l\u00fd s\u1ed5 BHXH m\u00e0 c\u00f2n ch\u1ee9a \u0111\u1ef1ng nguy c\u01a1 r\u1ee7i ro cao \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 NL\u0110 n\u1ebfu x\u1ea3y ra t\u00ecnh tr\u1ea1ng ng\u01b0\u1eddi vay kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 tr\u1ea3 n\u1ee3 vay.<\/p>\n<p><strong>Gi\u1ea3i quy\u1ebft th\u1ebf n\u00e0o?<\/strong><\/p>\n<p><em>Li\u00ean quan v\u1ea5n \u0111\u1ec1 n\u00e0y, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c cho r\u1eb1ng, tr\u00ean th\u1ef1c t\u1ebf, hi\u1ec7n ch\u01b0a c\u00f3 quy \u0111\u1ecbnh n\u00e0o v\u1ec1 vi\u1ec7c \u201ckh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea7m c\u1ed1 s\u1ed5 BHXH\u201d n\u00ean ng\u01b0\u1eddi ta vin v\u00e0o c\u1edb \u0111\u00f3 \u0111\u1ec3 mang s\u1ed5 BHXH \u0111i giao d\u1ecbch. Trong khi \u0111\u00f3, ph\u00e1p lu\u1eadt c\u0169ng ch\u01b0a quy \u0111\u1ecbnh r\u00f5: S\u1ed5 BHXH c\u00f3 ph\u1ea3i l\u00e0 t\u00e0i s\u1ea3n kh\u00f4ng, c\u00f3 gi\u00e1 tr\u1ecb \u0111\u1ec3 c\u1ea7m c\u1ed1 th\u1ebf ch\u1ea5p nh\u01b0 m\u1ed9t v\u1eadt b\u1ea3o \u0111\u1ea3m ngh\u0129a v\u1ee5 d\u00e2n s\u1ef1 hay kh\u00f4ng?<\/em><\/p>\n<p>Theo Lu\u1eadt BHXH v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn Lu\u1eadt quy \u0111\u1ecbnh, s\u1ed5 BHXH ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb khi NL\u0110 \u0111\u1ebfn c\u01a1 quan BHXH x\u00e1c \u0111\u1ecbnh \u0111\u00fang nh\u00e2n th\u00e2n, \u0111\u00fang c\u01a1 s\u1edf d\u1eef li\u1ec7u tham gia BHXH th\u00ec m\u1edbi \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft c\u00e1c ch\u00ednh s\u00e1ch v\u1ec1 BHXH, BH th\u1ea5t nghi\u1ec7p. Trong tr\u01b0\u1eddng h\u1ee3p, n\u1ebfu s\u1ed5 BHXH b\u1ecb h\u1ecfng, ho\u1eb7c m\u1ea5t m\u00e0 NL\u0110 \u0111\u1ec1 ngh\u1ecb th\u00ec c\u01a1 quan BHXH s\u1ebd c\u1ea5p l\u1ea1i. Tuy nhi\u00ean, s\u1ebd kh\u00f3 cho c\u01a1 quan BHXH n\u1ebfu NL\u0110 n\u00f3i d\u1ed1i l\u00e0 m\u1ea5t s\u1ed5 BHXH.<\/p>\n<p>\u00d4ng Tr\u1ea7n \u0110\u00ecnh Li\u1ec7u cho r\u1eb1ng, ch\u00ednh s\u00e1ch BHXH l\u00e0 ch\u00ednh s\u00e1ch an sinh, h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i an sinh thi\u1ebft th\u00e2n cho ng\u01b0\u1eddi tham gia khi y\u1ebfu th\u1ebf. Do \u0111\u00f3, NL\u0110 khi \u0111\u00e3 \u0111\u01b0\u1ee3c giao s\u1ed5 BHXH th\u00ec c\u1ea7n qu\u1ea3n l\u00fd t\u1ed1t, kh\u00f4ng n\u00ean \u0111i c\u1ea7m c\u1ed1 \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng v\u1ea5n \u0111\u1ec1 tr\u01b0\u1edbc m\u1eaft m\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn quy\u1ec1n l\u1ee3i an sinh l\u00e2u d\u00e0i c\u1ee7a b\u1ea3n th\u00e2n, d\u1eabn \u0111\u1ebfn nh\u1eefng h\u1eadu qu\u1ea3 x\u1ea5u trong cu\u1ed9c s\u1ed1ng.<\/p>\n<p>V\u1edbi nh\u1eefng c\u00e1 nh\u00e2n c\u1ed1 t\u00ecnh khai b\u00e1o gian d\u1ed1i, \u0111em s\u1ed5 BHXH \u0111i th\u1ebf ch\u1ea5p nh\u01b0ng l\u1ea1i khai b\u00e1o l\u00e0 m\u1ea5t s\u1ed5 \u0111\u1ec3 l\u00e0m l\u1ea1i s\u1ed5 m\u1edbi, khi ph\u00e1t hi\u1ec7n, c\u01a1 quan BHXH s\u1ebd c\u00f3 h\u00ecnh th\u1ee9c x\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 95\/2013\/N\u0110-CP ng\u00e0y 22\/8\/2013 c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c lao \u0111\u1ed9ng, BHXH v\u00e0 \u0111\u01b0a NL\u0110 Vi\u1ec7t Nam \u0111i l\u00e0m vi\u1ec7c \u1edf n\u01b0\u1edbc ngo\u00e0i theo h\u1ee3p \u0111\u1ed3ng; v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 88\/2015\/N\u0110-CP ng\u00e0y 7\/10\/2015 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 95\/2013\/N\u0110-CP.<\/p>\n<p>V\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u01a1 quan t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n, hi\u1ec7n ng\u00e0nh BHXH \u0111ang t\u1eadp trung c\u1ea5p s\u1ed5 BHXH \u0111i\u1ec7n t\u1eed v\u00e0 th\u1ebb BHYT \u0111i\u1ec7n t\u1eed cho ng\u01b0\u1eddi tham gia, m\u1ee5c ti\u00eau l\u00e0 ch\u1eadm nh\u1ea5t \u0111\u1ebfn h\u1ebft n\u0103m 2020 ph\u1ea3i ho\u00e0n th\u00e0nh. Hi\u1ec7n ng\u00e0nh BHXH \u0111ang r\u00e0 so\u00e1t l\u1ea1i s\u1ed5 BHXH gi\u1ea5y c\u1ee7a NL\u0110; \u0111\u1ed3ng th\u1eddi c\u1eadp nh\u1eadt c\u01a1 s\u1edf d\u1eef li\u1ec7u v\u00e0 \u0111\u1ed3ng b\u1ed9 h\u00f3a c\u00e1c c\u01a1 s\u1edf d\u1eef li\u1ec7u tr\u00ean s\u1ed5 BHXH n\u00e0y v\u1edbi c\u01a1 s\u1edf d\u1eef li\u1ec7u tham gia BHYT h\u1ed9 gia \u0111\u00ecnh, \u0111\u1ec3 ho\u00e0n thi\u1ec7n vi\u1ec7c c\u1ea5p m\u00e3 \u0111\u1ecbnh danh cho ng\u01b0\u1eddi tham gia.<\/p>\n<p><strong>Th\u1ef1c hi\u1ec7n Lu\u1eadt B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (BHXH), Lu\u1eadt s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt B\u1ea3o hi\u1ec3m Y t\u1ebf (BHYT), Lu\u1eadt Vi\u1ec7c l\u00e0m v\u00e0 Lu\u1eadt An to\u00e0n v\u1ec7 sinh lao \u0111\u1ed9ng, t\u1ed5ng m\u1ee9c \u0111\u00f3ng BHXH b\u1eaft bu\u1ed9c (g\u1ed3m \u0111\u00f3ng v\u00e0o c\u00e1c qu\u1ef9: H\u01b0u tr\u00ed, t\u1eed tu\u1ea5t; tai n\u1ea1n lao \u0111\u1ed9ng, b\u1ec7nh ngh\u1ec1 nghi\u1ec7p; \u1ed1m \u0111au, thai s\u1ea3n); BH th\u1ea5t nghi\u1ec7p; BHYT \u00e1p d\u1ee5ng t\u1eeb ng\u00e0y 1-1-2018 l\u00e0 32% m\u1ee9c ti\u1ec1n l\u01b0\u01a1ng, thu nh\u1eadp l\u00e0m c\u0103n c\u1ee9 \u0111\u00f3ng. Trong \u0111\u00f3, NL\u0110 \u0111\u00f3ng 10,5% (g\u1ed3m 8% BHXH, 1% b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p v\u00e0 1,5% BHYT), ch\u1ee7 s\u1eed d\u1ee5ng lao \u0111\u1ed9ng \u0111\u00f3ng 21,5% (g\u1ed3m 14% BHXH, 1% BH th\u1ea5t nghi\u1ec7p v\u00e0 3% BHYT). Nh\u01b0 v\u1eady, khi tham gia BHXH, ng\u01b0\u1eddi lao \u0111\u1ed9ng (NL\u0110) s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c ch\u1ebf \u0111\u1ed9: \u1ed0m \u0111au, thai s\u1ea3n; tai n\u1ea1n lao \u0111\u1ed9ng &#8211; b\u1ec7nh ngh\u1ec1 nghi\u1ec7p; tr\u1ee3 c\u1ea5p th\u1ea5t nghi\u1ec7p; h\u01b0u tr\u00ed; t\u1eed tu\u1ea5t v\u00e0 KCB BHYT.<\/strong><\/p>\n<p><strong>Minh Anh<\/strong><\/p>\n<p>&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Th\u1eddi nay (X\u00e3 h\u1ed9i) 27-4-2018:<\/em><\/strong><\/p>\n<p><em><a href=\"http:\/\/www.nhandan.com.vn\/baothoinay\/baothoinay-xahoi\/item\/36231702-khi-so-bao-hiem-xa-hoi-bi-dem-ra-the-chap.html\">http:\/\/www.nhandan.com.vn\/baothoinay\/baothoinay-xahoi\/item\/36231702-khi-so-bao-hiem-xa-hoi-bi-dem-ra-the-chap.html<\/a><\/em><\/p>\n<p><em>(88\/1.122)<\/em>","protected":false},"excerpt":{"rendered":"<p>(TN) &#8211; C\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (BHXH) \u0111\u1ecba ph\u01b0\u01a1ng ph\u1ea3n \u00e1nh, \u0111\u00e3 c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng ng\u01b0\u1eddi lao \u0111\u1ed9ng (NL\u0110) \u0111em s\u1ed5 BHXH \u0111i th\u1ebf ch\u1ea5p ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i (NHTM) \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c h\u1ee3p \u0111\u1ed3ng t\u00edn d\u1ee5ng. \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 l\u1ea1m d\u1ee5ng ch\u00ednh s\u00e1ch BHXH, g\u00e2y th\u00e2m h\u1ee5t ngu\u1ed3n qu\u1ef9 v\u00e0 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":26019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[],"class_list":["post-26014","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>1.816. 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