Tu 112009 ap dung thuc hien Luat Bao hiem that nghiep

Ong Pham Do Nhat Tan

PV: Thua ong y nghia cua viec ra doi chinh sach bao hiem that nghiep la nhu the nao?

- Ong Pham Do Nhat Tan: Hang nam tren ca nuoc co tren 1 trieu nguoi buoc vao tuoi lao dong, nhung kha nang thu hut lao dong cua nen kinh te lai co han.

Ben canh do, trong qua trinh cong nghiep hoa, hien dai hoa va chuyen doi co cau kinh te, doi moi, sap xep doanh nghiep nha nuoc, mot bo phan khong nho lao dong do nhieu nguyen nhan khac nhau bi mat viec lam, doi song rat kho khan, anh huong den an sinh xa hoi.

Bao hiem that nghiep ra doi se giup gop phan on dinh doi song va ho tro cho nguoi lao dong duoc hoc nghe va tim viec lam, som dua ho tro lai lam viec.

- Vay doi tuong nao se duoc tham gia loai hinh bao hiem nay?

- Theo quy dinh thi nhung doi tuong sau day thuoc pham vi dieu chinh cua bao hiem that nghiep: Nguoi lao dong tham gia bao hiem that nghiep la cong dan Viet Nam lam viec theo hop dong lao dong hoac hop dong lam viec ma cac hop dong nay khong xac dinh thoi han hoac xac dinh thoi han tu du 12 thang den 36 thang voi nguoi su dung lao dong.

Nguoi su dung lao dong tham gia bao hiem that nghiep bao gom co quan Nha nuoc, don vi su nghiep, don vi vu trang nhan dan; to chuc chinh tri, to chuc chinh tri xa hoi - nghe nghiep, to chuc xa hoi - nghe nghiep, to chuc xa hoi khac; co quan, to chuc nuoc ngoai, to chuc quoc te hoat dong tren lanh tho Viet Nam; doanh nghiep, hop tac xa, ho kinh doanh ca the, to hop tac, to chuc khac va ca nhan co su dung tu 10 lao dong tro len.

- Thua ong, de nhan duoc tro cap that nghiep, nguoi lao dong phai co nhung dieu kien nao?

- Thu nhat, nguoi lao dong bi mat viec lam, cham dut hop dong lao dong theo quy dinh cua phap luat lao dong, cham dut hop dong lam viec theo quy dinh cua Phap lenh can bo cong chuc ma chua tim duoc viec lam.

Thu hai, trong vong 24 thang truoc khi bi that nghiep, nguoi lao dong da dong bao hiem that nghiep duoc 12 thang tro len.

Thu ba, nguoi lao dong phai dang ky that nghiep voi to chuc bao hiem xa hoi.

Thu tu, chua tim duoc viec lam sau it nhat 15 ngay ke tu ngay dang ky that nghiep voi to chuc bao hiem xa hoi.

Day la cac dieu kien de nguoi that nghiep duoc huong cac che do quy dinh cua bao hiem that nghiep.

- Vay nguoi lao dong bi that nghiep se duoc huong quyen loi gi?

- Mot la, neu nguoi lao dong co du dieu kien neu tren thi ho duoc huong tro cap that nghiep do to chuc bao hiem xa hoi chi tra.

Hai la, duoc tham gia cac khoa hoc nghe, co the la bo tuc them tay nghe hoac hoc nghe moi phu hop voi moi truong lam viec moi co nhu cau.

Ba la, trong qua trinh tim kiem viec lam, nguoi lao dong duoc tu van, gioi thieu tim viec lam.

Bon la, duoc huong che do bao hiem y te trong thoi gian huong tro cap that nghiep.

- Ong co the cho biet ve muc dong va muc huong cu the cua Bao hiem that nghiep?

Bao hiem that nghiep ra doi se gop phan on dinh doi song nguoi lao dong - Anh minh hoa.

- Theo quy dinh thi muc dong bao hiem that nghiep duoc quy dinh nhu sau: Nguoi lao dong dong bao hiem that nghiep bang 1% tien luong, tien cong thang; nguoi su dung lao dong dong bang 1% quy tien luong, tien cong thang; hang thang Nha nuoc ho tro tu Ngan sach bang 1% quy tien luong, tien cong thang dong bao hiem that nghiep cua nhung nguoi lao dong tham gia bao hiem that nghiep va moi nam chuyen mot lan.

Con muc huong tro cap that nghiep duoc quy dinh cu the la: Muc tro cap that nghiep hang thang bang 60% muc binh quan tien luong, tien cong thang dong bao hiem that nghiep cua 6 thang lien ke truoc khi that nghiep.

Tuy thuoc vao so nam nguoi lao dong dong bao hiem that nghiep, neu so nam dong bao hiem that nghiep it thi thoi gian huong tro cap that nghiep voi so thang it hon.

Thoi gian huong tro cap that nghiep la 3 thang neu co du 12 thang den duoi 36 thang dong bao hiem that nghiep; 6 thang neu co tu du 36 thang den duoi 72 thang dong bao hiem that nghiep; 9 thang neu co du tu 72 thang den duoi 144 thang dong bao hiem that nghiep; 12 thang neu co tu du 144 thang dong bao hiem that nghiep tro len.

- Thua ong, vay nhung lao dong co viec lam on dinh, khong muon tham gia loai hinh bao hiem nay thi the nao?

- Day se la loai hinh bao hiem bat buoc nen nguoi lao dong co dieu kien neu tren deu phai tham gia. Bao hiem that nghiep la mot che do moi, rat can thiet doi voi nguoi lao dong trong co che thi truong vi no khong nhung dam bao cuoc song cua chinh nguoi lao dong khi bi mat viec ma no con chia se rui ro giua nhung nguoi lao dong dang lam viec voi nhung nguoi bi mat viec.

- Nhung neu chu su dung lach luat bang cach ky hop dong ngan han de khoi phai dong them mot loai bao hiem nua thi sao?

- Can nang cao nhan thuc cho nguoi su dung lao dong ve trach nhiem cua ho. Dong thoi cung phai tuyen truyen de nguoi lao dong duoc biet tu bao ve quyen loi cua minh bang cach yeu cau chu su dung lao dong phai thuc hien dung theo quy dinh. Hon nua, ben canh nguoi lao dong bao gio cung co to chuc cong doan bao ve quyen loi va cung phai ke toi cac hoat dong thanh tra, kiem tra, giam sat de cac ben thuc hien cac quy dinh nay.

De khac phuc tinh trang tren, trong ke hoach tong the ve trien khai bao hiem that nghiep, ngay 05/12/2008 Bo truong Bo LDTBXH da co cong van so 4562/LDTBXH-CVL gui Chu tich UBND tinh, thanh pho truc thuoc Trung uong de nghi trien khai tuyen truyen va pho bien cac quy dinh cua Luat Bao hiem xa hoi ve chinh sach bao hiem that nghiep.

Xin cam on ong.

N.Lam (Theo website Chinh phu)