The company that is subject to the recruitment of employees through Standardization of Labor Laws (CLT)It must provide the expected mandatory benefits. However, some of them are optional, such as health insurance.
Given that, there are a few questions: In the event of impeachment, what happens to the plan? Is it possible to continue coverage? See the answers below.
I was fired, can I continue with the health insurance program?
According to the legislation, it is possible to continue to cover the HMO, but it is necessary to pay attention to some requirements for dismissal:
- A worker cannot be fired for a good reason; And the
- Must have contributed to the monthly health plan. If the company paid the expenses alone, the law does not allow continuity of coverage.
After separation, how is the plan paid?
The layman is fully responsible for paying the costs of the HMO. In addition, you need to observe some maintenance rules.
After dismissal, the worker continues to benefit for one-third of the time he or she has been in the company. This period should be a minimum of 6 months and a maximum of 2 years.
“Even if the employee has worked for one or two months in the company, he/she can continue to benefit from the health plan for the next six months after termination of employment in the company. If he stays for 15 years, the maximum will be only two years, even if it is the third time More than two years,” says Ingrid Raquel Salz dos Reis, a lawyer who specializes in labor rights.
Finally, it is worth noting that if a worker gets a new job, they will be immediately fired from the health care plan.
Can I contribute to INSS by getting unemployment insurance?
yes. The worker receives unemployment insurance You can continue to make INSS contributions. However, it is necessary to pay attention to the process, since there is a specific group for those in this situation.
It turns out that if the contribution is made as an individual shareholder, the citizen will lose the entitlement. This is because, in this case, the beneficiary declares for INSS Self-employed, the condition cancels the transfer of amounts.
Therefore, in order for a citizen not to lose his right to unemployment insurance, it will be necessary to pay as an optional contributor.
Optional contributor
In short, a voluntary taxpayer is a person who does not engage in a paid activity, but who desires social security rights. Check out the paths involved in this method:
- 20% contribution (GPS code 1406) – R$ 242.40;
- 11% contribution (GPS code 1473) – 133.32 BRL;
- Low income contribution of 5% (1929) – R$60.60.
