Inequality of old-age pension in the social security system of self-employed insured persons

Abstract

Background and Aims: Social security is a type of welfare provided by the state to receive various benefits for people of working age, whether it is in terms of medical treatment, childbirth, child support, unemployment, disability, old age or death. However, a very controversial issue is the issue of gratuity, old-age pension, where most insured people have the hope of getting a certain amount of savings to use in retirement. When the needs are greater, but the equality of the status of individuals is not the same. The purpose of this article is to study the social security fund of voluntary insured persons under Section 40 who are self-employed but do not receive the same comprehensive benefits in case of old age as those insured under Sections 33 and 39.

The objectives of this study are (1) to provide guidelines for improving the system regarding old-age pension for this group of insured persons to receive compensation benefits in case of old age equivalent to other types of insureds; (2) To provide the social security system under Section 40 to the insured to receive an old-age pension to help the insured to use when they are no longer able to work, (3) to help the insured know another indirect way to save money, and (4) to create a guideline for extending the retirement age of the insured to extend the life of the social security system in order to support the State to organize. Welfare of insured persons who are self-employed appropriately.

Methodology: The population and sample group are insured persons who are not employees or insured persons under Section 40, self-employed, business owners, entrepreneurs, and informal workers aged 15 to 65 years old but have notified their intention to become insured.

Research Tools : Study the details of the contents of the insurer's compensation benefits from books, documents, journals, websites, etc. In terms of various welfare of the self-employed group.

Information : By collecting the benefits of informal workers in data analysis and applying the data analysis approach with descriptive statistics. Based on information from human rights issues related to social welfare.

Results: Each group of insured persons receives different benefits according to the amount of money sent to the social security system, with groups 2 and 3 receiving a full refund of gratuity with returns (interest) when the insured reaches the age of 60 and announces the termination of the insured or resigns, but the insured in group 1 will receive any gratuity. After the end of the insured status, it shows the disparity of the self-employed group who send money to the social security system with a slight difference

Conclusion: The social security system should provide that the insured under Section 40 Group 1 should also receive compensation or old-age pension in the same way as the insured groups 2 and 3 at the rate of 50% of the amount of contributions paid in order to increase the amount of money to the social security system and to be able to save more in a small amount. As a result, the insured has a lump sum for themselves in the future.