Re: [分享] 全教總的補繳方案怎麼繳?
公教加入勞保和勞退,勞保不僅繳少,退休金費率1.55%,比起公保退休金費率才0.75高出
一倍,加上勞保退休金可以領月退,公保只有私校教師可以領月退(佔總人數10%),其他9
0%的公立學校教師和公務員都只能領1次退,勞保退休金領個沒幾年就可以領回本金,萬
一沒領完本金前就掛點,遺屬還可以繼續領(公保也有這種設計),再講到勞保的各項給付
,都是用月薪計算,不像公保只用本薪俸計算,補助可是差了十萬八千里,勞保還有失業
補助,失蹤津貼,這些都是公保沒有的項目,還有勞保退休金只計算最高月薪5年來算退
休金,公保可是用10年來計算,所以很多詐領勞保退休金的勞工會和雇主串通好最後幾年
再繳滿全薪的勞保費,一起凹誠實納保的上市櫃,國營企業,公股行庫,金融業者等勞工
的退休金。另外勞保年資還可以保留,萬一勞工以後當公教,以後等到退休時也可以領勞
保退休金,讓你每個月繳的勞保費不被污掉。但公教一旦離職且不回頭再當公教,公保年
資就沒了,每個月繳的公保費就被污掉了,這樣哪個制度比較好,就不用我說了。
公教加入勞退,不僅可以減輕政府的負擔,公教自己每個月也不用被迫強制扣繳數千元的
退撫金,一樣比照勞工,由當雇主的政府提撥月薪的6%到個人的勞退專戶去,公教自己也
可以再自願提撥最高6%到自己的勞退專戶去,每個月少繳的退撫基金可以挪作他用,如再
投保其他商業保險或是家用,唯一比較差的就是變成確定提撥制,滿勞退15年後若選擇月
領勞退退休金,就是月領完就沒了,但政府保證2年銀行利息當最低的收益,也是用複利計
算,所以若投資績效好,也是可以領很久。
公教也要要求政府修改不利和限制公教的法律,如不能組工會,不能罷工,不能兼差,沒
有加班費1.33和1.66倍,還有被吃掉的51勞動節和7天的國定假日,貪污被剝奪退休金等
規定。
至於那些已退休的公教,就看他們和政府怎麼談退休金。在職者切個時間點轉入勞保和勞
退,在職者的年資要清算結清或是併入勞保年資,我都贊成。
以上的誰要反對的,請站出來挑戰。
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