Due to the development of small business even more often people make up the mind to such step as opening of own enterprise, being registered as the individual entrepreneur (IE), the full name – BWFLE (the businessman without formation of legal entity). On statistical data about 140 000 people annually are registered. Someone at own will, and someone is compelled by employers, for reduction of own expenses.
Unfortunately, being registered as SP, many people do not know, on what social guarantees they can count and that it is necessary to make to receive payments for the sick-list, holiday, a child care leave till 1,5 years and other. I want to tell about it to readers of InfoAdvisor.net.
Policy of compulsory health insurance
First of all we will stop on registration of the policy of obligatory medical insurance. All know that without this small blue "piece of paper" it became impossible to get on an appointment for quite some time now. The only option – to pay independently consultation. However, there is one exception, can be registered and followed up by a doctor without policy, in this case the medical institution has no right to deny to the woman the assistance, as well as the trip to maternity hospital can do without it. But it on paper, and in practice even pregnant women are tormented and demand granting compulsory health insurance.
So gives this policy? The matter is that compulsory health insurance is one of components of the state support to citizens. So, delivery of health care is conditionally free as at the appeal to hospital on each patient the coupon for which the state pays help given you is formed.
Besides, the policy reflects the social status of the person, that is reflects his working capacity as for each category of citizens the list of the services paid with the state differs. After all the line "work place, social status" is not for nothing thought up. For example, having the policy in which it is told on hands that you are "unemployed", you will not be able to ask to issue the sick-list for receiving payments for it. But on the other hand by the legislation it is provided that each citizen has the right to free medical care.
Therefore, even having issued by the individual entrepreneur, it is necessary to receive compulsory health insurance with the corresponding mark. It becomes very simply.
Registration of compulsory health insurance
You need to address for the conclusion of the contract (to be registered for obtaining ) to Territorial fund of obligatory medical insurance (TF compulsory health insurance). You will need to provide the following package of documents for the conclusion of the contract:
- The passport with registration in a residence.
- The certificate on registration as PBOYuL (number PSRN is required).
All documents need to be provided in originals, photocopies are not required.
On the basis of the offered package of documents the contract will be signed with you and the Certificate on registration in TFOMS for the conclusion of the contract with insurance company for issue of the policy is granted. It becomes within 10-15 minutes. And, as a rule, turns big are not present.
It is possible to receive the policy, having addressed to insurance company which you treat territorially (in a residence or registration). To them it will be necessary to take with itself:
- The passport with continuous registration in a residence.
- Insurance evidence of the state pension insurance.
- The certificate on registration in TFOMS for the conclusion of the contract.
Make a photocopy of the last document (received in TFOMS) as it will be required to the employee of insurance company in advance, and to you if it is required to replace the policy, in case of loss, damage, for example, it is necessary to restore it. I pay your attention that at , the passport, a residence in TF compulsory health insurance it will be necessary to address repeatedly for a re-registration.
The policy grants to you the right for providing medical care, and here if it is required to appear on "hospital", it is necessary that someone paid it. The sick-list is the document confirming temporary disability of the citizen. Payment on it is made from the social insurance fund (SIF) provided that for you in it assignments not less than within 6 months were carried out. At official employment of citizens these assignments are made by the employer. It, the so-called, social package provided by the employer to the hired worker.
cannot count on someone, except himself. Therefore he will need to sign the contract with the Social Insurance Fund and independently to make assignments. It becomes according to the tax declaration for the reporting period which you for yourself establish. Let's say you report once in half a year, for the earnings sum which you will specify there, and charge of 3% will be made. Thus, you can also do contributions to the Social Insurance Fund only 1 time in six months or in a year as it will be convenient to you.
For the conclusion of the contract with the Social Insurance Fund it is necessary to address to branch which you treat in a residence. To learn, which branch is necessary to you, it is possible having called by phone in any their office. It will be required to provide originals of all the documents of SP and the passport, and also the declaration (copy) for the last reporting period which is handed over in the tax inspection for the conclusion of the contract.
The conclusion of the contract with this service will also not take a lot of time. A question only in as far as you are ready to do assignments for providing to yourself social guarantees. In general, this business voluntary, and its need is defined by everyone independently.
I think, it is worth paying attention and to what insured events under such contract happen. First of all, it is all types of sick-lists. Whether it be usual cold which put you out of action for some days, or pregnancy. According to this program of insurance you will be able to apply for payment to and the postnatal sick-list, stay in a maternity leave in accordance with general practice, that is before achievement of one-and-a-half-year age by the child. The lump sum on childbirth will also be charged from these means. Such situations as production injuries, approach of disability, occupational disease too are insured events and are subject to payment.
But there is more to come. The social insurance fund also carries out payments for medical, professional or social rehabilitation, means can be spent for acquisition of permits in sanatoria or treatment-and-prophylactic institutions of other type, permits can be got and for your children.
Compulsory health insurance and maternity allowance
In addition I want to tell for those who already gathers in the decree, but will not manage to issue the contract with the Social Insurance Fund (if before childbirth there were less than 6 months) that, despite it, you will also have the right to receive a monthly allowance on care of the child before achievement of one-and-a-half-year age by it. For this purpose you need to address to fund of a social security for a residence. To explain a situation, to provide the reference from the Social Insurance Fund that the contract is not signed with you and assignments by you were not made. Your business will have to be accepted to consideration, having conditionally established you the status of the unemployed, it will be required to be confirmed with the declaration on the income that your activity, since a certain moment, was not conducted and you did not gain any income.
Proceeding from told above, I want to pay attention of readers of InfoAdvisor.net to such moment. It is "favorable" to sign the contract with the Social Insurance Fund and to make assignments to the women wishing to receive , and also to care of the child provided that your income will make not less than 10 000 rubles a month. As the grant for the unemployed on care of the child makes 4308,13 rubles today. And charges by the working make about 40% of a salary (income) though at the birth of the second or the subsequent children this sum is charged with the increasing coefficient. But the maximum sum of the income with which calculation of a monthly allowance for care of the child before achievement of 1,5 years is made, cannot exceed 20 000 rubles a month.
My purpose was to inform this information for all comers, in particular, for women who it is frequent, having decided to give birth to the child, remain without social guarantees, having the certificate of SP on hands. There is it because many simply do not know about this opportunity. For example, at my work the chief accountant at transfer of all personnel to system "the hired worker – the business owner" answered my question of social package that PBOYuL have no right to receive it. But casual conversation with the client allowed me to learn that actually it everything not so.