'Timpe' Quten Group Now Do It I can't believe they're taking away four major insurances. "There's no way to get relief."

YTN Radio (FM 94.5) [YTN News FM Wise Radio Life]
□ Broadcast Date: October 31, 2024 (Wednesday)
□ Host: Announcer Park Gui-bin
□ Castor: Kim Hyo-shin, Labor Minister

* The text below may differ from the actual broadcast content, so please check the broadcast for more accurate information.


◆ Announcer Park Gui-bin (hereinafter referred to as Park Gui-bin): Labor Law Aldonno Pine Labor Law Office, which makes money to know, is with labor attorney Kim Hyo-shin. Many of you must have been in trouble due to the Timon and Wemakeprice scandal. It's another affiliate of the Quten Group. Q10 Technology even had a problem with delayed wages to employees. It is said that 23 employees filed a civil lawsuit because they did not receive annual allowances for delayed salary severance pay even after retirement. It is said that the amount of overdue wages is 980 million won. What's worse is that. In the meantime, the company has been in arrears with the four major insurance premiums, so there are situations where some employees are now rejected for lease loans. Let me find out more about it. Let's meet through Kim Hyo-shin's video. Hello, Mr. Labor.

◇ Kim Hyo-shin, a labor attorney (hereinafter referred to as Kim Hyo-shin): Yes, hello. I'm Kim Hyo-shin.

◆Park Gui-bin: But I think we need to point out a little bit about this. Like Q10 Technology, when the company becomes this difficult, the four major insurances of employees are pushed the most.

◇Kim Hyo-shin: Yes, that's right. In fact, the first thing to be pushed back is the four major insurance premiums, then taxes, and then various utility communication fees.

◆Park Gui-bin: If the company doesn't pay the four major insurance premiums, employees receive them excluding insurance premiums from their salaries. That's right. Then, the four major insurance companies have not paid. What happens from the perspective of the employee? What about insurance?

◇Kim Hyo-shin: What's really interesting about this is that we don't go against the principle of direct payment of wages because deducting these four major insurance premiums is a deduction under this law. Therefore, workers cannot report or argue about the amount that has already been deducted and has not paid the four major insurance premiums due to overdue wages. You have no choice but to file a separate civil lawsuit and receive a lawsuit for the return of unfair gains for the amount. So the other thing is that from the moment you withhold the tax, you have to pay it to the relevant authorities, but you haven't, so it can be a crime of embezzlement for work. So, in practice, from our employees' point of view, there is almost no way to take it right away if they deduct the withholding tax and don't pay the four major insurance premiums after receiving the actual payment.

◆Park Gui-bin: Yes. The funny thing is that you expressed it like this, so it's ridiculous. That's what you meant. That's strange. If I'm in the position of an employee, I'm sure I got paid without insurance, but isn't that unpaid now? It means that there's nothing in particular that I can get relief from now because it's unpaid.

◇Kim Hyo-shin: It's hard for us to file a lawsuit against the company because they told us to solve it through a lawsuit. It's almost difficult. Even if you leave the company while you are in office, it would be nice to have something to receive from the company's responsible property or total property after filing a lawsuit, but as long as the ranking of this bond is pushed back, it will be ranked 4th or 5th. So there's very little you can get.

◆Park Gui-bin: What happened when a worker says that the lease on a deposit basis loan was blocked due to arrears in the four major insurances?

◇ Kim Hyo-shin: As you all know now that you've taken out a loan, you ask for various documents to understand this income level. Now, if you look at it, most of the documents you ask for are health insurance qualification confirmation and insurance payment confirmation over there. I think there's a special request for this lease fund product. So, since those who want to do it at the company are overdue wages and delinquent in the four major insurances, insurance premiums come out in arrears, so it seems that the loan was rejected.

◆Park Gui-bin: This is because if I get a loan rejected. But I think it will be connected to the previous story because it's in arrears, but if I prepare a document and take it because it's not like this, it may change again.

◇ Kim Hyo-shin: In fact, banks also see interest repayment and such capabilities in the case of repayment lease loans, so I hope you can appeal a little more with other documents if you have this repayment capability. In fact, when our wages are delayed, he's very strong in blaming himself. Also, it's a little reluctant to express this fact to the outside world. But in this case, it will be important to provide more information to the bank and receive guidance on ways to bypass it.

◆Park Gui-bin: We're looking at what's happening now when the company is in trouble and the employees' four major premiums are in arrears, isn't it the four major insurances? I'll point it out one by one.

◇Kim Hyo-shin: Yes.

◆Park Gui-bin: First of all, I'd like you to explain this part of how workers can cope. In the case of health insurance premiums, the company has not paid them. So I won't be able to get health insurance benefits?

◇ Kim Hyo-shin: That's not true. But let me tell you that this is operated slightly differently from the law. Article 53 of this Health Insurance Act states that more than six arrears limit health benefits to employees and their dependents who were under them. However, in this case, the corporation does not impose sanctions immediately because the company has delayed wages and, of course, the company has not paid health insurance premiums. I didn't see the case of imposing that sanction. So far. But sometimes later, when I hear from the person in charge of the industrial complex, there are cases where they request data to prove the data. So, at that time, I think it will be necessary to secure the transfer statement or salary statement that I received after deducting the salary statement and submit it.

◆Park Gui-bin: That means you can get health insurance benefits. Usually, it doesn't matter. Usually, it doesn't matter. So how about employment insurance? In the case of employment insurance when wages are delayed, you can leave the company or apply for unemployment benefits if you do so. Will it affect that?

◇Kim Hyo-shin: What we're thinking about now is insurance premiums, so they buy and compare a lot. Even in the case of private insurance, if you don't pay insurance premiums, you can't get benefits if you keep picking up from the insurance premiums you paid before and don't. Employment insurance premiums have nothing to do with it. Since the company didn't pay it anyway, even if you leave the company due to overdue wages, you will be eligible for unemployment benefits, and instead, you can meet the requirements you can receive if the insured period of employment insurance is more than 180 days.

◆Park Gui-bin: Yes, and what will happen to the National Pension Service? I think this would be a bit disadvantageous.

◇Kim Hyo-shin: Actually, the national pension has the biggest disadvantage now. Paying my national pension is called a contribution. These contributions are now divided into two contributions: company contributions and worker contributions. In this case, the company has not paid both its own contribution and this company's contribution. So it's excluded from the subscription period, so the receipt of the pension amount can decrease later. So, if there is this fact from the Pension Service, we will find out that the company's notice of delinquency is not being paid to workers, and we will try to collect the contribution by taking measures such as seizure of assets to the company. But it's almost never done. This is because there are many cases where there is no property or such in the company and it takes a long time. So now, in this case, there is a system that now submits a confirmation of the contribution source deduction for the month of arrears and later uses the individual contribution payment system to be recognized for the subscription period.

◆Park Gui-bin: We are talking about the national pension. In the case of workers, the company and I pay half and half for the national pension. It's a very basic basis for old-age assets that become my pension later on, but I'm looking at what to do if the company is in arrears, but it's a little difficult, so if I ask again, it's a contribution. And you said that you can use the individual contribution payment system. Please explain that.

◇Kim Hyo-shin: In fact, the company's expression that I was just deducted from the company was deducted from the source. But the company didn't pay for it, so I'm saying that it's good to pay anyway, but because I don't get recognized during the subscription period later, I'm going to pay my contribution again. I'm going to pay the contribution individually.

◆Park Gui-bin: Then, aren't I paying double first?

◇ Kim Hyo-shin: That's right. So this system is not being used well. I paid twice, so later, the corporation even told me that if I collect it from the company or the company pays it, the amount paid will be refunded by adding interest.

◆Park VIP: I will return the duplicate payment later.

◇ Kim Hyo-shin: Yes, that's right. So this is the most disadvantageous. And how is there no coping situation that I can do the most? If you say it's a coping situation, you have to pay one more time. Someone said, "I got paid less, but this is why I have to pay this again." It's a bit strange to think about that, and a lot of people think about it.

◆Park Gui-bin: Anyway, this is going well right now.

◇ Kim Hyo-shin: Is it a system for paying contributions individually?

◆Park Gui-bin: I told you that the company didn't pay the national pension properly, so I can pay in duplicate now, and if the company repay it again through the company later, I can receive it.

◇ Kim Hyo-shin: Yes, you can't. Because

◆Park VIP: Realistically, it's not working properly.

◇ Kim Hyo-shin: The biggest reason why the four major insurances are in arrears is that the company is almost going bankrupt. Later on, if the company's growth and sales rise a little more, it can be recognized if it pays back all of it, but most workplaces simply end up with no recognition of the subscription period.

◆Park Gwibin: I see. Lastly, a lot of people invest in this short. In some cases, office workers have part-time jobs on weekends, so can I buy four major insurances for part-time jobs on weekends? Do I have to sign up?

◇ Kim Hyo-shin: That's right. Because all the four major insurances are double-subscribed except for employment insurance. So, if you say you have income from industrial accident insurance and national pension health insurance, you have to sign up for all of them, but there is a requirement to sign up. If I always work regularly and regularly as a regular worker, you have to sign up for more than 15 hours a week or more than 60 hours a month. If you work as a daily worker, you are only required to subscribe to health insurance and national pension if you work more than a month and work 8 or 60 hours a month.

◆Park Gwibin: I see. Let's look at Aldonno up to here today. You did a great job in October, and I'll see you again in November.

◇Kim Hyo-shin: Okay. Thank you for your hard work. Thank you.

◆Park Gui-bin: This was Kim Hyo-shin, a labor attorney.