By Dimitris Katsaganis
The amount of main insurance and health contributions in 2022 for professionals and farmers will remain “frozen”, while the contributions in favor of supplementary insurance and lump sum will be the same as last year until May 2022, while from June 2022 will reduced by 7.1%, as provided by the insurance law Vroutsi.
These are the characteristics of the landscape of self-insurance contributions for the self-employed and the self-employed for 2022.
It is also noted that those self-employed lawyers and engineers who are insured for the first time from January 1 onwards will be compulsorily insured with the Auxiliary Capital Insurance Fund (TEKA).
According to an announcement by e-EFKA, the special electronic platform (https://www.efka.gov) was launched the day before yesterday, 20/12/2021, on the e-EFKA website (www.efka.gov.gr). gr / el / asphalismenoi / me-misthotoi / epilogi-asfalistikis-katigorias) https://www.capital.gr/oikonomia/3603199/eleutheroi-epaggelmaties-autoapasxoloumenoi-kai-agrotes-epilegoun-asfalgiki- neo-asfalistiko-etos through which the insured self-employed, self-employed and farmers can freely choose the insurance category in which they wish to be classified for the new year 2022.
The choice of insurance category is declared for the main and Auxiliary Insurance and One-Time Benefit branches in a single application and is valid for the whole year.
The deadline for submitting the application – statement of choice of insurance category has a deadline of 31st / 1/2022.
It is pointed out that the specific declaration for the year 2022 will not include the declaration of parallel paid employment, as this possibility is provided by a separate electronic service.
To access this Service, the user enters through the e-EFKA website: www.efka.gov.gr and follows the path: “Electronic Services” -> Unemployed Contributions-> “Social Security Rights” -> ” Application – Declaration of parallel employment “.
It is clarified that the insured who will not submit an application – statement of choice / change will remain, for the year 2022, in the category that had been classified in the previous year.
It is reminded that for the first time – based on the relevant provisions of the new insurance law 4670/2020 – the Unemployed can freely choose their insurance category on an annual basis, regardless of their income and years of work, determining the amount of their future pension.
The “regime” applicable by category of self-employed is as follows:
Freelancers and Self-employed
You can freely choose between 6 insurance categories as follows:
The insurance categories include contributions from the Pension and Health Sectors. With the insurance contributions, additional contributions are contributed in favor of the Unemployment Division (OAED) of € 10 and for the Sanitary in favor of the Sanitary Shelter, amounting to € 2.
For the insured with the right to belong to the Auxiliary Insurance Branch, the possibility of free choice between 3 insurance categories is provided as follows:
From 01.01.2022 to 31.05.2022
Example
Suppose a self-employed lawyer, who will pay a minimum supplementary contribution of 42 euros / month in the period January-May 2022.
In the period June-December 2022, he will pay a contribution of 39 euros / month. That is, there will be a decrease of 7.1%.
For the insured with the right to belong to the Single Benefits Sector, the possibility of free choice between 3 insurance categories is provided as follows:
From 01.01.2022 to 31.12.2022
Insurance Categories Contribution amount (€)
1st 26
2nd 31
3rd 37
Young freelancers and self-employed
The new insurance system has a special category with lower contributions for new insured. In addition, there is the possibility of free choice of the category that suits your financial capabilities. More specifically:
– One can choose for the Main Insurance the special insurance category for new insured and stay in it for the first five years of insurance.
– If someone has not completed 5 years of insurance can choose the special category which will be valid until the completion of five years.
Special category contribution table
Main Pension Branch € 93
Health Care Sector € 33
Total amount € 126
– One can also freely choose one of the following insurance categories addressed to the Freelancers and the Self-employed.
The insurance categories – in both cases – include contributions from the Pension and Health Sectors. With the insurance contributions are co-contributed, contributions in favor of the Unemployment Sector (OAED) amounting to 10 € and for the Sanitary in favor of the Sanitary Shelter, amounting to 2 €.
For the insured with the right to belong to the Auxiliary Insurance Branch, the possibility of free choice between 3 insurance categories is provided as follows:
From 01.01.2022 to 31.05.2022
Insurance Categories Contribution amount (€)
1st 42
2nd 51
3rd 61
From 01.06.2022 to 31.12.2022
Insurance Categories Contribution amount (€)
1st 39
2nd 47
3rd 56
For the insured with the right to belong to the Single Benefits Sector, the possibility of free choice between 3 insurance categories is provided as follows:
From 01.01.2022 to 31.12.2022
Insurance Categories Contribution amount (€)
1st 26
2nd 31
3rd 37
Parallel insurance
With the new insurance, self-employed, self-employed and farmers pay only one contribution even in the case of parallel insurance. The calculation of the contribution differs depending on the 5 cases:
1. Freelancers, self-employed who also have a paid job.
The self-employed and the self-employed who are also employed as employees can freely choose between 6 insurance categories.
For as long as the insured is employed as an employee, the contributions paid from the employment are deducted from the contributions of the insurance category he has chosen. For this period the minimum contributions can not be less than the amount of the 2nd insurance category.
For the insured with the right to belong to the Auxiliary Insurance Branch, the possibility of free choice between 3 insurance categories is provided.
For the insured with the right to belong to the One-Time Benefits Sector, the possibility of free choice between 3 insurance categories is provided.
– For the Main Insurance, if an insurance category higher than the 2nd is selected, the insured will pay the difference only for the Pension Branch.
– For the Auxiliary Insurance and One-Time Benefit, a contribution is paid, in the category you have chosen, if no corresponding contributions are paid from the employed employment.
– If the employment is terminated, the contribution is made based on the selected insurance category and the entire contribution is borne by the insured.
– In any case, with the insurance contributions are contributed contributions in favor of the Unemployment Sector amounting to 10 € and for the Sanitary in favor of the Sanitary Housing of 2 €, only if corresponding contributions are not paid from the employed employment.
– Classification in insurance category is mandatory.
– The option will be binding for the whole year 2022.
– In case of non-submission of an application for change of insurance category, the classification category of the previous year remains active.
2. Young Freelancers, self-employed who also have paid employment.
The young self-employed and self-employed who at the same time are employed as employees and have chosen for the Main Insurance the special insurance category, pay the contributions of the 1st insurance category. For this period, during which the insured is employed at the same time as an employee, the contributions paid from the employment are deducted from the contributions of the first (1st) insurance category.
The 3 insurance categories for the insured with the right to belong to the Auxiliary Insurance Branch and lump sum, are the same as the other professionals.
– If the employment is terminated, the contribution is based on the special insurance category and the entire contribution is borne by the insured.
– For the Auxiliary Insurance and One-Time Benefit, a contribution is paid, in the category you have chosen, if no corresponding contributions are paid from the employed employment.
– In any case, with the insurance contributions are contributed contributions in favor of the Unemployment Sector amounting to 10 € and for the Sanitary in favor of the Sanitary Housing of 2 €, only if corresponding contributions are not paid from the employed employment.
– Classification in insurance category is mandatory.
– The option will be binding for the whole year 2022.
– In case of non-submission of an application for change of insurance category, the classification category of the previous year remains active.
3. Farmers who also have paid employment
Freelancers, the self-employed and farmers with multiple self-employment
Self-employed, self-employed and farmers with multiple self-employed and self-employed activity.
Farmers
In the new system of insurance contributions, special care is taken for the farmers of the country. There is a free choice between 6 insurance categories with lower contributions as follows:
The insurance categories include contributions of Pensions, Health and in favor of the Rural Home Account (LAE).
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Source From: Capital
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