Social security insurance
As we have in the definitions of insurance, insurance is a commitment that the insurance company gives to the insured person to compensate for his losses against the paid insurance premium.
According to the social security law, there are two types of insurance:
Make your own insurance
Compulsory insurance
What does self-insurance mean?
Self-employed insurance, as the name suggests, is an insurance in which a person is insured by himself. The important thing about this type of insurance is that there is no unemployment insurance in this type of insurance policy.
This insurance is of two types:
Optional insurance
All people who are not covered by insurance can get themselves covered by social security insurance by registering with the social security organization and paying the specified insurance premium. It should be noted that the insurance coverage is subject to paying the insurance premium at a specified time. If the insurance premium is not paid, the insurance contract will be void. The insurance premium for the optional insured is 26% of the agreed salary, and its benefits are the use of pension, disability, medical expenses, and burial. To use this type of insurance, you must have a history of paying insurance premiums for 30 days and your age must be at most 55 years old. If you are older than this number, you must pay your overage insurance premium.
Employers’ insurance
In addition to the need to have 30 days of previous optional insurance history, this type of insurance has various conditions for paying insurance premiums and using benefits, which include the following:
Retirement and death after retirement with 12%: In this type of insurance, only services related to retirement are provided.
Retirement and death before and after retirement with 14%: In this type of insurance, pension payment services are provided for the insured’s retirement and pension payment to the survivors in case of death of the main insured.
Retirement, death and disability with 18%: In this type of insurance, retirement and death pension payment services as well as general disability services not caused by work are provided to the insured. This insurance does not include partial disability and disability. Because these cases are only discussed in terms of work-related accidents, which are excluded from work-related accidents due to the absence of an employer and employment in self-employed insurance.
Retirement, death, total disability and treatment with 18% of the agreed salary along with the cost of treatment per capita: the premium for treatment in this type of insurance is received monthly per capita according to dependents. Treatment per capita is determined by the Supreme Council of Treatment every year.
What is compulsory insurance?
All people who are working and working in workshops (companies, factories, stores and any kind of workplaces) with the receipt of salaries and benefits, or who are subject to the labor law in some way, must be covered by social security insurance by the employer. The insurance premium in this type of insurance depends on the salary of the worker. Every year, the salary list of various jobs is announced by the social security organization, and employers are required to comply with the salary amount based on this list.
The amount of insurance premium in compulsory insurance is 30%, of which 23% is the employer’s share and 7% is the insured person’s share.
You have until the end of the next month to send the work list every month and pay the insurance premium every month. Failure to send the list will result in 10% and failure to pay the insurance premium will result in 2%.