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Home GREECE-WORLD

Self-employed: How to choose the right insurance class for a longer pension

by sierafm
28/12/22 09:52
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Μη μισθωτοί: Έτσι θα επιλέξετε τη σωστή ασφαλιστική κατηγορία για μία ικανοποιητική σύνταξη.

Until 440 ευρώ σύνταξη θα λάβουν όσοι ελεύθεροι επαγγελματίες αποφασίσουν να πληρώσουν την κατώτερη ασφαλιστική κατηγορία και έχουν λίγα χρόνια ασφάλισης. Ειδικότερα σύμφωνα με τους ειδικούς κοινωνικής ασφάλισης για να προσδοκούν μια αξιοπρεπή σύνταξη θα πρέπει να διανύσουν πάνω από 30 χρόνια ασφάλισης και να ενταχθούν τουλάχιστον στην τρίτη ασφαλιστική κατηγορία που αντιστοιχεί σε εισφορά 302 ευρώ για σύνταξη και υγεία.

Για παράδειγμα ελεύθερος επαγγελματίας που έχει διανύσει 30 χρόνια ασφάλισης στην τρίτη ασφαλιστική κατηγορία, μπορεί με τα σημερινά δεδομένα, να περιμένει σύνταξη ύψους 1.085 euro.

Οι ειδικοί διευκρινίζουν ότι αξίζει τον κόπο να ενταχθεί κανείς στην τρίτη η και σε υψηλότερη κατηγορία αν τον χωρίζουν από τη σύνταξη τουλάχιστον δέκα έτη.

Specifically, αν παραμείνει στην 6η ασφαλιστική κατηγορία αντί της 2ης για 10 years, η σύνταξή του θα αυξηθεί κατά 365 euros per month. Η επιλογή ανώτερης κατηγορίας για μικρό χρονικό διάστημα δεν οδηγεί σε αισθητή διαφορά στη σύνταξη.

Για παράδειγμα αν ενταχθεί ο ελεύθερος επαγγελματίας στην πέμπτη ασφαλιστική κατηγορία για δύο έτη, δε θα κερδίσει πάνω από 20 ευρώ στη σύνταξη.

At the beginning of each year, the self-employed are asked to choose one of the six compulsory insurance categories. Of course, the choice is free and is declared by submitting an electronic application. The classification in the health sector necessarily follows the category of the pension sector. In fact, the contribution amount of the health sector, after the 2nd insurance category, remains constant.

Πώς γίνεται η αλλαγή κατηγορίας

But even when the insured chooses one of the 6 categories, could change. Change is allowed once a year for now, while according to the leadership of the Ministry of Labor, it will be possible to change category during the year.

Those insured who do not submit a new application remain in the insurance category they belonged to the previous year, since in the event of not submitting an application for a change of insurance category, the previous year's ranking category remains active. Η επιλογή ασφαλιστικής κατηγορίας από τους μη μισθωτούς θα επηρεάσει όπως προαναφέραμε και τη μελλοντική σύνταξη που θα λάβουν.

Σύμφωνα με τον e-ΕΦΚΑ ελεύθεροι επαγγελματίες, αυτοαπασχολούμενοι και αγρότες θα επιλέξουν εισφορές με βάση τις υπάρχουσες ασφαλιστικές κατηγορίες, as required by law. Όμως στο τέλος του Φεβρουαρίου θα κληθούν να καταβάλλουν άλλο ποσό από αυτό που θα επιλέξουν, καθώς οι εισφορές θα αυξηθούν ανάλογα με το ύψος του πληθωρισμού το 2022.

Since inflation closes on an annual basis close to 9%, the first insurance category of 210 euros today for primary insurance and health, will be formed near the 230 euro, while the 6th and higher will rise to 617 euro, from 566 which is today. According to the applicable law, Labor Minister Kostis Hatzidakis should activate in the new year an increase in contributions to the self-employed based on the final rate of inflation in the previous year, i.e. between 8,5%-9%.

Ασφαλιστικός νόμος Βρούτση

It is recalled that the Vroutsis insurance law led to the change of the self-employed contribution system from January 1 2020, disconnecting their amount from taxable income, while foreseeing the freezing of the contributions 2021-2022, at the original height.

Under current law there are six insurance categories, among which the self-employed are invited to choose each year the contributions they will pay. The law provides that the amounts of the insurance categories are "increased annually with a certificate issued by the Minister of Labor and Social Affairs, by the percentage change in the average annual general consumer price index of the previous year'.

This, will apply to 2023 and 2024, while from 2025 and after, η αύξηση θα ακολουθεί «το ποσοστό αύξησης του δείκτη μισθών».

Source:dikaiologitika.gr

Tags: pension
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