• Title/Summary/Keyword: Employment-based Insurance

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A Study on Unconstitutionality of Insurance Premium Rating System in Accordance with National Health Insurance Act. - Focused on Age and Gender in Premium Rating Standards Activity Rate and Living Standards of the Local Insured - (국민건강보험법상 보험료부과체계에 관한 법적 고찰 -지역가입자 생활수준 및 경제활동 참가율 부과기준 중 성과 연령을 중심으로 -)

  • Song, Kimin;Jeong, Jeong-Ile
    • The Korean Society of Law and Medicine
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    • v.15 no.1
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    • pp.185-209
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    • 2014
  • While the local health insurance and the employment-based insurance were integrated in July 2000, the insured is divided into employment-based insured and the local insured and the relevant premium has been applied to both groups. The health insurance premium having the feature of social solidarity has to be determined depending on income, that is, the ability to pay in accordance with the principles of social insurance. While employment-based insurance premium has been determined depending on the earned income, the local insurance premium for the local insured has been determined by scoring gross income(evaluated income), property and possession of automobiles. A variety of improvement approaches has been implemented including introduction of the employment-based insurance premium ceiling system (2002) and the change of property scoring system for the local insured (2006). However, the health insurance system which was merged in 2000 has been implemented up to now without significant change even though there were lots of socio-demographic change including increase of income level and the population structure such as low birth and aging. In other words, it is required to implement the premium rating system securing the income-based equity. Nevertheless, it was inevitable to apply the diverse rating standards in the early stage because it was very difficult to verify the income of the self-employed. Although the income verification rate was significantly increased from 23% in 1989 to 44% in 2010, the irrational standards including property, automobiles, living standard and activity rate have been still applied to the local insured because it is difficult to secure the validity of insurance premium rating system and it severely lacks of security. This paper investigated whether the current insurance premium rating system for the local insured imposing the premium on the basis of 'gender' and 'age' complies with the basic human rights secured by the current Constitution of the Republic of Korea with respect to the practical and theoretic irrationality of insurance premium rating system and standards for he local insured. In accordance with the analysis results, this paper proposed the approach to improve the system.

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The adjustment coefficient of health insurance in the successful employment package by the health insurance reform (건강 보험료 개편에 따른 보험료 조정 계수의 적합성: 취업성공패키지 대상자 선정을 중심으로)

  • Shin, Youngsuk;Kim, EunA;Lee, Jinhyung
    • Korea Journal of Hospital Management
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    • v.24 no.4
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    • pp.33-42
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    • 2019
  • Purpose: many domestic welfare programs use the amount of health insurance premiums as a way of measuring individuals' income levels for administrative convenience. As health insurance reform has been made, we examines the income level is still appropriately measured by the health insurance premiums for the employment success package as one of domestic welfare program. Methodology/Approach: we investigate whether the upper limit of the premiums of the self-employed health insured is appropriate or not after healthcare reform, which currently calculated by multiplying the insurance premium of the employee based insured by the adjustment factor (1.2). Findings: we examined appropriateness of the adjustment factors by comparing the premiums before and after the healthcare reform by utilizing the national health insurance data as well as Korea Welfare panel data. We found that the new value of adjustment factor (1.0~1.1) is smaller than the current one (1.2). Practical Implications: to improve the equity between the employee and the self-employed insured after the health insurance reform, the adjustment factor should be lower.

Exploratory Study on the Trends in Employment Rate of Engineering Graduates (공학계열 졸업생의 취업률 변화추이에 대한 탐색적 연구)

  • Ryu, Heeyoung;Jang, Jiyoung
    • Journal of Engineering Education Research
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    • v.23 no.5
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    • pp.26-39
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    • 2020
  • The purpose of this study was to compare and analyze the employment rate of engineering graduates in the last eight years (2011-2018) by gender and majors. Using the statistical yearbook for employment of higher education graduates provided by the Korea Educational Development Institute (KEDI), the employment rate and retained employment rate of engineering graduates were investigated. As results, first, the employment rate has been decreasing since 2011, and the gender employment rate gap has not narrowed and women have always been lower than men. Second, most of the engineering graduates were workers with employee health insurance. On the other hand, women were higher than men in works with self-employee health insurance. Third, from 2016 to 2018, the retained employment rate of engineering graduates was similar, and as the survey progressed, the retained employment rate decreased. In particular, women had lower retained employment rate than men. The study is meaningful in that it suggested ways to bridge the gap between gender and majors employment rates of engineering graduates.

Employment Instability and Security Funds in U.S. Households

  • Baek, Eun-Woung
    • International Journal of Human Ecology
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    • v.4 no.2
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    • pp.55-75
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    • 2003
  • The purpose of this study was to investigate the effect of employment related factors on household savings for precautionary purposes when controlling for financial security and to compare the results between the two different economic periods. A conceptual framework was developed based on the precautionary saving theory, the family stress theory, and previous empirical studies. As a self-insurance, a measure of security funds were developed and used as the dependent variable. Using data on working households in the 1992 and the 1998 Survey of Consumer Finances (SCF), a MLE estimation was conducted on the pooled data. The 1992 and 1998 data were used to reflect periods of economic recession and expansion, respectively. The results suggested that factors representing resources played the most significant role in determining the amount of security funds. Some of the employment related factors, preferences, financial security, and race were also significantly affected the amount of security funds. The results suggested that stable employment conditions were important for households to accumulate security funds. Households with more human resources and financial resources had a larger amount of security funds than those that had less human and financial resources. From the findings, implications for research, policies, and financial educators had been suggested.

A Development on a Predictive Model for Buying Unemployment Insurance Program Based on Public Data (공공데이터 기반 고용보험 가입 예측 모델 개발 연구)

  • Cho, Minsu;Kim, Dohyeon;Song, Minseok;Kim, Kwangyong;Jeong, Chungsik;Kim, Kidae
    • The Journal of Bigdata
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    • v.2 no.2
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    • pp.17-31
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    • 2017
  • With the development of the big data environment, public institutions also have been providing big data infrastructures. Public data is one of the typical examples, and numerous applications using public data have been provided. One of the cases is related to the employment insurance. All employers have to make contracts for the employment insurance for all employees to protect the rights. However, there are abundant cases where employers avoid to buy insurances. To overcome these challenges, a data-driven approach is needed; however, there are lacks of methodologies to integrate, manage, and analyze the public data. In this paper, we propose a methodology to build a predictive model for identifying whether employers have made the contracts of employment insurance based on public data. The methodology includes collection, integration, pre-processing, analysis of data and generating prediction models based on process mining and data mining techniques. Also, we verify the methodology with case studies.

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Health Problems and Coping of Workers under Special Employment Relationships: Home-visit Tutors, Insurance Salespersons, and Credit Card Recruiters (특수고용형태근로종사자들의 건강문제와 대처: 학습지 교사, 보험설계사, 신용카드회원모집인을 중심으로)

  • Park, Bohyun;Jo, Yeonjae;Oh, Sangho
    • Korean Journal of Occupational Health Nursing
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    • v.28 no.4
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    • pp.208-220
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    • 2019
  • Purpose: This study aimed to determine health problems experienced by workers in special employment relationships (WSER) and identify coping strategies used when such problems occur. Methods: This qualitative study used the focus group interview method. Thirteen study participants included five home-visit tutors, five insurance salespersons, and three credit card recruiters. The interviews were conducted from November 2018 through January 2019, with each occupational group interview lasting about 2 hours. Analysis based on phenomenological research was independently performed by two researchers. Results: Most participants had common health problems involving vocal cord symptoms, and stress related to emotional labor and traffic accidents. The unique health problems included cystitis, musculoskeletal, and digestive symptoms in home-visit tutors; reduced vision and hearing in insurance salespersons; and mental distress in credit card recruiters. There was no protection system for their health coverage, and the company emphasized their self-employed status to avoid taking responsibility for them. Twelve participants did not purchase occupational accident insurance owing to both not having adequate information and economic burden concerning premium status. Conclusion: WSER experienced both physical and mental health problems. These problems were caused by their unstable employment status, and the social security system for their coverage being non-functioning.

The Effects of Institutions on the Labour Market Outcomes: Cross-country Analysis

  • KIM, YONG-SEONG;KIM, TAE BONG
    • KDI Journal of Economic Policy
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    • v.39 no.4
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    • pp.69-94
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    • 2017
  • This paper re-examines the impacts an institutional arrangement may have on labour market outcomes such as the employment and unemployment rates. Based on the results from a generalized econometric model, the generosity of unemployment insurance benefits, organized labour and active labour market policy have effects on a labour market in line with previous findings. However, taxes on labour and the degree of employment protection are found to affect neither the employment rate nor the unemployment rate. Thus, some findings in this paper validate earlier findings, whereas others do not.

A Study on the Regional Labor Migration in Experienced Employees' Sector: based on the yearly statistics of employment insurance 2008-2011 (경력직 노동력의 지역 간 이동에 관한 연구: 2008-2011년 고용보험통계를 중심으로)

  • Lee, Chung Sup
    • Journal of the Economic Geographical Society of Korea
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    • v.17 no.1
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    • pp.114-128
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    • 2014
  • This study is the analysis on the labor migration between 16 provinces in experienced employees' sector by using the employment insurance statistics of 2008 to 2011. In wage workers of Korea, all of regular and some of temporary employees subscribe to the employment insurance and among these, about 40-50% career workers have moved their jobs every year. Targeting these, first I perform cluster analysis to explore the spatial boundaries of intra and inter-regional labor migration, and second measure the regional linkages extracting the inter-regional migrants. As results, the clusters of labor migration are similar to 5+2 Mega-regional Economic Zones. However, in the regional linkages between clusters, Seoul-metropolitan area has a great influence to other regions in inflow and outflow.

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Business Dynamism and Youth Jobs (기업 성장과 청년 일자리)

  • Kim, Jungho;Choi, Kyungsoo
    • Journal of Labour Economics
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    • v.41 no.2
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    • pp.1-29
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    • 2018
  • The paper reviews the trend of youth employment in Korea in recent years and examines whether the change in labor demand through declining business dynamism is one of the causes. The analysis based on Employment Insurance database finds that the rate of job creation declined over the period from 1999 to 2014 and that the job creation of small- and medium-sized enterprises fell sharply. This is partly explained by entry of fewer firms than before given that young firms tend to experience rapid employment growth. In fact, it is confirmed that the share of firms under age 6 in employment level and job creation declined. The finding that young firms employ young workers more than old firms suggests that a smaller role of young firms in the economy had a negative effect on youth employment.

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Policy Formulation of Health Insurance and Its Problems in Korea (의료보장정책의 형성과 문제점)

  • 이규식
    • Health Policy and Management
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    • v.10 no.1
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    • pp.57-94
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    • 2000
  • Korea's social health insurance system was introduced in 1977, which has made a universal coverage possibly by July 1989. Korean government had pursued a single objective for the last decade to put the whole population under the coverage of medical security, and the objective was achieved within 12 years. The rapid accomplishment is primarily due to such factors as limited benefits, high copayment rate, low contributions as well as rapid economic growth. There are several sources of pressure for the implementation of social health insurance such as health professional group, labor unions, politicians, international organizations etc.. However it is important to look at the feasibility of social health insurance. Among other things, it is necessary to identify the administrative infrastructure of insurance system and to assess income for source of fund. As many developed countries, Korea began to apply health insurance to the employees of the large firms, and the expansion based on employment status. Thus the several funds system was inevitable according to the gradual expansion strategy. However many persons had criticized several funds system in respect with equity and efficiency aspects. In the short history of the Korean health insurance, whether one fund or sever or funds had been the most controversial issue. In Febrary 1999, the National Assembly passed the act of one fund system. From July 2000 separate funds will be unifed under new health insurance scheme. In this study we will analyze the policy making process on implementation, expansion and integration of health insurance system of Korea. And also analyse problems related to policy making.

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