Relief for “start” is one of sztandardowych proposals the Constitution of business, published by the Ministry of Development. To be that aspiring entrepreneurs will be exempted from paying social contributions during the first six months of business. Then, as before, will be able to use for two years with the so-called little ZUS.
– Changes will affect more than 200 thousand. man advertises the decision of the resort development.
experts in the field of social security law concern, however, over his head. Indicate that a new idea-it’s reckless. And this is because doing business, will be deprived of any protection insurance. As a result, if someone gets in a serious accident at work, he’ll be on his own.
– there is No reason to pay individual benefits. Will remain, so that the use of social assistance – warns Professor. Inetta Jędrasik-Yankovskaya Cathedral of the Insurance Law, faculty of Law and Administration, Warsaw University.
Public over the private
Contributions for insurance against accidents in comparison with those for pension, insurance and sick leave is low. Statistically is below 50 zlotys a month (depends in particular on how risky the job the employee performs).
– When entrepreneurs talk about high loads, I mean, first of all, the amount of pension insurance contributions. Do not meet with cases that complained of too high costs associated with personal accident insurance, indicates Dorothy Wolicka, Vice-President of the Union of Entrepreneurs and Employers.
in Her view, unacceptable situation in which at least six months from now, someone will be completely without protection. Because this means that if a serious accident – for decades will be put on themselves. If there is an accident a death – the family can’t get a breadwinner.
From the point of view of security of citizens, protect the middle, so you need. It is important to note that if you delay retirement you can find on the market offers individuals, so the personal accident insurance in the practice does not exist. First, most often, the limit of responsibility is defined at such level that in case of an accident, which prevents further professional activities of the insured, and so in a few years will be commissioned on themselves. Second, the agreements include many exceptions. The most common cause of accidents at work there is a situation where at least part of the responsibility can be laid at the victim. Many contracts that an insurance company includes the failure of the liberation of the entrepreneur from liability if fault for the accident can be the policyholder. And finally third: if you already have private insurance, you can compare with the protection, the resultant przysługującą from the Fund result, the monthly pr emium reaches even 800 rubles. So I kilkunastokrotnie even more public.
Difficult decisions
it is Difficult to have a claim to the wording of provisions introducing incentives to start. Article 21 of the projected rights of entrepreneurs (the basic Constitution of the business) is because the entrepreneur is an individual who takes economic activity for the first time or taking it again after at least 60 months within six months not subject to mandatory ubezpieczeniom companies. At first glance it may seem that it would be enough to add to the recipe the statement: “with the exception of the insurance of the result”. The fact that this is impossible. In accordance with the law on the social insurance system (t.j. Journal of laws from 2016. POS. 963, as amended) insurance is in fact associated with pension and rentowym. This means that is not able podlegania only on accidents changes in the context of the tragic events of the key.
– will Need amendment of the law on the social insurance system, what kind of trouble I’ve been saying for many years. It should be recognized that each of the four insurance is independent in the sense that you can require from accidents with the changes without being at the same time emerytalnemu – explains the Professor. Inetta Jędrasik-Yankovskaya. He adds that a similar situation to that which may occur carrying on business, while using benefits for a start, there for many years, students performing at the same time the contract order.
– the Student performing the task devoid of insurance of accidents of the accidents. It is an illogical decision, the Professor said. Jędrasik-Yankovskaya. In her opinion, it is necessary to eliminate the mandatory insurance resulting from pension and rentowym, and in almost entrepreneurs to show that the leading activity is subject ubezpieczeniom companies, and with the removal of insurance contributions pension, insurance and sick leave, laid off for six months.
the Ministry of Development? Informally we know that we will act on this issue with a request for employment with the Social Insurance Institution. Resort at the head of Matthew Morawieckiego not allow it because he thinks someone on the designed reset can suffer.
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