Next, we will explain what these discounts are made of, what their current percentages are and how these offers can be managed. In this way, members and the family obligations they have indicated have the opportunity to take advantage of medical services located in public or private health networks and receive a certificate of membership in FONASA. Yes, it is the duty of every dependent worker to contribute to a social security institution, even if he is retired, so that he must continue to set for health (7%), for the pension fund the percentage corresponding to the pension fund to which he is affiliated and for insurance against accidents at work and occupational diseases (principle of 0.93% plus differentiated additional contribution, if applicable). Saving on pensions is not the only discount derived from your salary, as there are other discounts on pensions that allow you to cover various needs such as health through the 7% discount on your remuneration, and which complements about 20% of your total retirement discounts. In this case, we just need to change the percentage by which we calculate the variable to get the result of the discount. The law assumes that, on the contrary, it is justified that the employer paid the pension rebates solely because he paid the respective remuneration in whole or in part to his employees. Yes, you must contribute to all compensations, whether you are associated with Fonasa (7%) or an Isapre (7% or the agreed plan amount, whichever is higher). However, if the sums of the health contributions exceed the price of the health plan agreed with an Isapre, excess contributions are generated in favor of the employee whose objective is that agreed with his Isapre. When setting up a business, the employer has a number of legal obligations to fulfill with its contract workers. One of them is the payment of social security and health contributions. It makes it possible to prove whether or not a person is connected to the public health system (Fonasa).
The discounts granted under this concept must correspond to 10% of the monthly salary, plus a variable commission compared to the AFP to which the employee belongs. Rebates from the National Health Fund are granted to people who are part of the public health system, including: social security is another reduction for benefits that each employee must be able to view after receiving your payment; This can be through FONASA or a pension health facility (ISAPRES) which are private. Each month, part of your salary is deducted for: collecting money for your retirement, paying an AFP commission, insurance in case of accident or death, and also your health. Yes, you must continue to contribute to the pension fund (10%), the corresponding additional contribution, health care (7%) and insurance against accidents at work and occupational diseases (basic rate of 0.93% plus differentiated additional contribution, if applicable). The situation is different if the person who is already affiliated to AFP reaches the age of 65 if he is a man, or 60 if he is a woman, since he only has to contribute 7% for health and the contribution for insurance accidents at work and occupational diseases (principle of 0.93% plus differentiated additional contribution, if applicable). We continue with section B; Here we see free care in the public health system and in addition, beneficiaries have the opportunity to buy bonds in private institutions that have an agreement with FONASA: Yes. If your disability is partial, you can continue to work if your remaining capacity allows it, and you must contribute to the pension fund, health insurance, unemployment insurance and insurance against accidents at work and occupational diseases. If you have retired due to a particular disability, you will only be prevented from working in an activity that requires the full capacity of the skill for which you have been declared disabled. So, if you take into account all the percentages and additional discounts, you can do it month after month without any inconvenience.
This means that if the workers are associated with “Capital”, for example, a reduction on the monthly salary will be granted in the way you will see below: they are the responsibility of the employee: the social security contribution and the health contribution. If the employer has not granted the appropriate discounts for any reason, the employer is responsible for the amounts due for contributions. For example, if the total discount is 9%, we should multiply by 0.09. Nothing else! And by implementing compensation software, we have the opportunity to streamline the workflow, as most processes are automated and tailored to the legal requirements, requirements, and percentages currently in place. The rebates granted to the manager of pension funds in Chile are intended to serve as an old-age pension for old age or invalidity. In section A, there is all free care in the public health system for those who are destitute, immigrants or people who cause family subsidies (SUF). If we choose a pension insurance institution, we must carefully comply with the contract with prior consent, as it is possible that they will add additional discounts that will add other benefits. With this in mind, let`s take a look at the various AFP in Chile and their commissions: the value of the UF corresponds to the last day of the month preceding the payment of the remuneration. This is what the employee is deducted from his salary as an AFP. Without a doubt, the best way to manage these retirement offers is to use technology. They also serve as emergency funds for the employee`s family in the event of death. In section C, 10% of the monthly salary must be paid in the public system, and they can also make the purchase of bonuses, as in the previous point we find here: The contribution that the employer makes for contributions is added to the contribution that each employee makes monthly to: Do you want more relevant information for your SMEs? If so, fill out the form below and receive your compensation template kit.
Download it for free and avoid your mistakes! The employer must withhold the contributions of his employees and pay them within the first 10 days of the month following that in which the remuneration was due in the investigation offices (some banks and in all family allowance compensation funds). If the 10-day period expires on a Saturday, Sunday or public holiday, this period shall be extended until the first following working day. If payment is not made on time, the amounts due must be adjusted in accordance with the CPI and a criminal interest rate must be charged in accordance with a table issued by the Superintendent of Social Security. They must be paid into the IPS in accordance with the tax rate applicable to each former pension fund and to any type of taxation for any remuneration received by the employee up to a maximum of 60 UF, with the exception of additional remuneration that the law declares non-taxable (e.g. family allowances, reimbursement of expenses, etc.). If you do not make the declaration or if it is incomplete or incorrect, you will be liable to a fine of 0.75 UF for each employee whose contributions are not declared or whose declarations are incomplete or incorrect. In this case, if they have 3 or more loads, they automatically switch to section B. Before knowing how much will be deducted from AFP and FONASA, it is important to note that they are calculated as taxable income multiplied by the percentages of each of these contributions. Remember that everything is calculated on the taxable basis of salaries, in other words, it includes salary, bonuses, overtime, tips, mobilization, composition and any commission we can earn. One of the differences between FONASA and ISAPRES is that the former does not require a contract.
With this in mind, let`s imagine that all the earnings of the month total a sum of 400,000 Canadian dollars and that the AFP of the worker keeps 11.45%. It is currently 81.6 UF ($2,567,028 as of February 22, 2022). This means that if your taxable income is above the limit, the calculation will be made on the ceiling and not on your total income. This is a shared burden: unemployment insurance, to which employees, employers and the state contribute. The monthly contribution depends on whether the type of contract of the member is fixed or indeterminate. Yes, any dependent employee is required to contribute to a social security institution. File format .ics compatible with different calendars and devices These percentages are calculated by PREVIRED based on the taxable salary entered for each employee. In the same line of the EXAMPLE of AFP, if the monthly salary CH $ was 400,000,000, we must calculate it as follows: In FONASA, depending on the economic situation and the number of expenses, the insured belong to different classes of tranches; which indicates the benefits they can opt for. It should be noted that the contribution of 1.6% at the expense of the employer is deductible from the compensation to which the employee of indefinite duration is entitled if he is dismissed “for the needs of the company”.