social security thailand website

+ Find a TEFL Course Government: 0.25% of gross monthly covered earnings; contributes as an employer. No responsibility for any errors or omissions nor loss occasioned to any person or organisation acting or refraining from acting as a result of any material in this website can, however, be accepted by the author(s) or RSM International. Assuming you never go back to work again for a Thai company, you have one chance to keep your Social Security health coverage and you MUST enroll to maintain your health insurance within six months of leaving work. Social insurance (formal sector): Pays a monthly contribution of 144baht. Childbirth grant (formal sector, social insurance): A lump sum of 13,000baht is paid for each birth. Wise is the cheapest and fastest way to send money to Thailand. Social Security Office (https://www.sso.go.th/) collects contributions and pays benefits. But what if there was a cheap health insurance option to ensure that you had lifelong comprehensive coverage while you stayed in Thailand and would only set you back around US$15 per month? lock () The RSM network is administered by RSM International Limited, a company registered in England and Wales (company number 4040598) whose registered office is at 50 Cannon Street, London, EC4N 6JJ.The brand and trademark RSM and other intellectual property rights used by members of the network are owned by RSM International Association, an association governed by article 60 et seq of the Civil Code of Switzerland whose seat is in Zug. Buying a Condo: 9 Questions Before You Decide, 8. Knowing the following social security information is imperative if you are an employer or employee in Thailand. Any articles or publications contained within this website are not intended to provide specific business or investment advice. Old Age, Disability, and Survivors Regulatory Framework. Website: www.sso.go.th If you work you pay a social security contribution. (edit: it seems they can if they want to, but you have to push for it and many dont). cant get or afford private insurance) or by deliberate choice. This person must inform the SSO within six months and submit a contribution to the fund by the 15th day of the following month. Medical examination and diagnosis expenses, Health promotion and disease prevention expenses, Medical treatment expenses and rehabilitation expenses, Expenses for admission to and treatment in medical establishments, Cost of ambulance services or transportation for patients, Expenses paid as preliminary aids to an insured person in the case where the insured person has been damaged from medical services, Medical examination and prenatal care expenses, Cost of ambulance services or transportation for the patient, Expenses for admission to and treatment in the medical establishment, Cost of ambulance or transportation for a disabled person, Physical, mental and occupational rehabilitation expenses. Social insurance (formal sector): 1.5% of gross monthly covered earnings); a monthly contribution of 144baht for the voluntarily insured. I get a lot of requests for recommendations on services related to living in Thailand. Must be assessed with a work injury or occupational disease. Child allowance (formal and informal sectors): Must have at least 12months of contributions in the 36months before the month the claim is made if insured through the formal-sector program; 24months of contributions in the 36months before the claim is made if insured through the informal-sector program. Universal: Citizens of Thailand not covered under any other government health insurance program. Sources: ILO, World Social Protection Database, based on SSI; ISSA/SSA, Social Security Programs Throughout the World; ILOSTAT, ECLAC, IMF, WHO, WB, UNDP, UNICEF, completed with national data sources. If in the case of the termination of employment 50% of average salary* for a period not exceeding 180 days per year. There are a number of ways to lay out this strategy, so that when you need it, you have it. Horror stories of expats of being caught without health insurance abound, and for many, it means giving up on their dreams of living in Thailand on a permanent basis. I seem to recall that the big private international schools got an opt out from paying SS back in the day and that exemption has remained. If the insured person did not set it down in writing, the death allowances will be shared equally among the husband or wife, parents or children of the insured person as follows: Before death, if the insured person had made contributions for 36 months or more but less than 120 months, 50% of the monthly wage multiplied by four is paid as an allowance, Before death, if the insured person had made contributions for 120 months or more, 50% of the salary multiplied by 12 is paid as an allowance, Monthly living allowances (superannuation pension), Lump sum payment (superannuation gratuity). Contributions are paid by employees (3%), employers (3%), and the Government (1%), The maximum assessable salary is 15,000 Baht per month, This pension benefit can be claimed once you turn 55, To qualify for a full rate pension, you must have contributed to the system for at least 15 years. Office of Workmen's Compensation Fund, under the Social Security Office (https://www.sso.go.th/), administers the program, collects contributions, and pays cash benefits. Recommended social security hospitals in Bangkok are Police Hospital, Chulalongkorn Hospital, and Rajavithi Hospital. Type of program: Universal and social insurance system. Social insurance (formal sector): 3% of monthly covered payroll for employees with mandatory coverage (old-age benefits). Physical, mental and occupational rehabilitation. or https:// as an added precaution. Updated The $15 per month comprehensive health insurance coverage for living in Thailand. 2537 (A.D. 1994) and B.E. The insured must report at least once a month to the Government Employment Service Office. Once complete, your HR manager may ask for your preferred hospital for medical treatment, though some companies will choose a hospital for you based on company preference. Go Direct -The United States Department of the Treasury now offers direct deposit of federal benefit payments, including Social Security Administration (SSA), Department of Veterans Affairs (VA), and Office of Personnel Management (OPM), to banks in Thailand. Note that you can always pay extra at a social security linked hospital for speedier treatment and additional medication. Thaipod101 is the best way to learn Thai online. Funeral expenses are covered at not less than 100 times the maximum rate of the daily minimum wage. Social security is a fund providing security and coverage to insured individuals. Social Security contribution rate reduced to 2.5% for June - November 2021. In many cases,you probablydont even know you had these entitlements. The brand and trademark RSM and other intellectual property rights used by members of the network are owned by RSM International Association, an association governed by article 60 et seq of the Civil Code of Switzerland whose seat is in Zug. Other third-party content, logos and trademarks are owned by their perspective entities and used for informational purposes only. I have been to the social security office in Phuket with my passport, work permit and Thai partner who spoke on my behalf. I have been working full-time as a teacher at a public school hired by a Thai university for over 3 years. Social Security in Thailand is governed under the act of the same name. The self-employed person's contributions also finance disability and survivor benefits. Thailand has an excellent public health system. Old-age pension (social assistance): Age60 and not receiving any other pension. Ive been looking into this myself for several years. Foreigners who are legally working in Thailand must also register with the Social Security Office and are entitled to the same benefits as Thai employees. Thailand Social Security Office of The Ministry of Labor and Social Welfare (Social Security Office of Thailand) is a Public Pension located in Nonthaburi Thailand, Asia. When you work for a Thai company, in most instances (with a few exclusions for teachers, civil servants, university employees and company directors), your HR will be legally required under section 33 of the Social Security Act, to enroll you into Thai social security system. For those being a little bit strategic about their plans for Thailand, having the Thai social security insurance as an option is really a clever and indispensable part of setting yourself up for stress free extended stay. How does one connect w/ ins. Exclusions: Certain agricultural, forestry, and fishery employees; vendors, and self-employed persons. Thank you. Your email address will not be published. If a pensioner starts a new job, the pension is suspended until employment ceases. Maternity benefit (formal sector, social insurance): 50% of the insured's average daily covered earnings in the highest paid three months of the 15months before maternity leave is paid for up to 90days for each childbirth, up to two. In terms of you continuing with the insurance under your own steam, if its been less than 6 months since theyve withdrawn you from the social security coverage then youd be within your rights to continue it with the 432 baht per month contributions. Funeral expenses not less than 100 times the maximum rate of the daily minimum wage shall be payable to the following persons in respective order: A person whom the insured person specified in writing to be the administrator of his or her funeral and undertook to be the administrator, Husband or wife, parents or children of the insured person, Other people with evidence of administratorship. 6. Up to 40,000baht is paid for rehabilitation services; up to 150,000baht in exceptional cases (determined by a medical committee under the Office of Workmen's Compensation Fund and approved by the Workmen's Compensation Committee). This would include those who leave a company to go freelance. Disability benefit can be claimed if you have contributed to social security for not less than 3 months in the last 15 months. This is Thailand, where money talks. With at least 10years of contributions, a lump sum of 12times 50% of the deceased's average monthly covered earnings is paid. The Thai Social Security Act says: Section 39 Any person who is an insured person under section 33, has paid contribution for a period of not less than twelve months and, subsequently ceases to be insured person in pursuance of section 38(2), if such person wishes to continually be insured person, he or she shall, within six months from the date of his or her termination to be insured person, notify his or her statement to the Office according to the regulations prescribed by the Secretary General. Those private monies might also be used for routine outpatient treatments hospitals or specialists for more mundane and predicable medical care needs for which there might be a wait under the public system. + Open a Thai Bank Account Have you gone through the claims process? Strengthening Capacity to Promote Gender-responsive Investments in the Provision of Decent Care Services in Thailand. 8. Section 40: any other person who is not an employee under section 33 or section 39 may apply to be an insured person. If involuntarily unemployed, 50% of the insured's average daily earnings in the highest paid three months in the 15months before unemployment is paid for up to 180days in any calendar year; if voluntarily unemployed, 30% of the insured's average daily earnings in the highest paid three months in the 15months before unemployment is paid for up to 90days in any calendar year. Thailand - COVID-19: Tax Filing Extensions for 2020, Social Security Reduction for 2021. Up to 50,000baht is paid for each incident of work injury or occupational disease; up to 300,000baht in certain specified cases, determined by the medical committee of the Office of Workmen's Compensation Fund. If in an emergency, you need to go to another SSO registered hospital, you can, but youll need to pay up front first and then get reimbursed later. The insured must be unable to work. An insured person is entitled to receive the following benefits: Pursuant to the Social Security Act, an insured person shall be entitled to non-occupational injury or sickness benefit when the employee has paid contributions for not less than three months out of the previous 15 months before the date of receiving medical services. is a member of the RSM network and trades as RSM. If the insured becomes disabled or dies while the child is younger than age6, the allowance is paid until the child is age6. Other related documents such as a medical certificate for dental coverage and receipts for medical care. 1. The Ministry of Labour announced two Ministerial Regulations on 17 April 2020 and on 30 December 2020 to allow the SSO to pay benefits to the employee in case of dismissal, resignation, work suspension due to quarantine or observing quarantine and work suspension due to COVID-19 whether by the government order or not. Don't subscribeAllReplies to my comments Notify me of followup comments via e-mail. Social insurance (formal sector): 1.5% of gross monthly covered earnings; a monthly contribution of 72baht for the voluntarily insured. New COVID-19 relief measures pertaining to tax obligations have been introduced in Thailand. 1. Your cover provides the following expenses: If you are absent from work you will receive 50% of your salary, capped at the SSOs maximum salary of 15k THB/month. This regulation has been retrospectively enforced from September 1st, 2021 onwards. A new Ministerial Regulation has been issued designed to increase the rates of Social Security Fund (SSF) contributions. Thai Permanent Residency the ultimate guide, Thai citizenship for foreigners married to Thai spouse, All treatments except those outlined on the SSOs. Provident fund: At least 50baht a month. Contact Acclime and have us take care of the social security for your company. Childbirth at 15,000 baht per childbirth (unlimited number of times) 3. + Get Married Hospitals under contract to the Social Security Office provide medical benefits for the social insurance program. What are the protections provided by social security? Social insurance (informal sector): 30baht a month (disability, survivor, and sickness benefits); 50baht a month (old-age, disability, survivor and sickness benefits); or 150baht a month (old-age, disability, survivor, and sickness benefits, and family allowances). I'm widowed and solo so this is a concern. Survivor benefit (formal sector, social insurance): Paid if the insured had at least one month of contributions in the six months before death. Am I right? Office of Earnings & International Operations . This includes: Funeral grant of 50,000 paid to funeral director. This covers every senior citizen regardless of his or her social or economic status. To be eligible, you must have contributed to the program for not less than 12 months within the last 36 months. Annual health checks limits and tests determined by your age and sex, but progressively increase over time. Your email address will not be published. The protection covers risks of adverse situations stemming from sickness, childbirth, disability, death, child support, old age, and unemployment. My employer is refusing to even acknowledge any request for social security, we all feel we are at a dead end. Let others know of your experiences by leaving your comments below. Free dental treatment of 900 baht/time/year. Simply. But i am wondering how the Section 40 system (which you mention in the Eligibility section) works. If I change to a business visa, can a foundation pay me a salary LESS THAN the minimums set out by the Labor Office (for Westerners its usually 55K pm)? Disability pension (informal sector, social insurance): Must be assessed with a disability and not insured under the formal-sector program. Social insurance (formal sector): Employed persons in the formal sector. An employee under section 39, who is an insured person under section 33 having paid contributions for a period of not less than 12 months and ceases to be an insured person by ending to be an employee. Cost of ambulance services or transportation. Disability pension (formal sector, social insurance): 50% of the insured's average daily covered earnings in the highest paid three months in the nine months before the disability began is paid until death for a severe disability; up to 30% for up to 180months for a non-severe disability. Survivor benefit (informal sector, social insurance): A lump sum of the old-age grant plus the balance of the insured's additional contributions is paid to eligible survivors. Long time resident of Bangkok. Cheapest Way to Send Money to Thailand, 4. 5. Coverage includes a "sickness cash benefit" equal to 50% of wages if you must take sick leave beyond the initial 30 days covered by your employer. I am contributing to the SSO for more than 20 years until now and I think that I can now collect some refund of my contribution. A 33 million (US$1 million) baht level of annual inpatient coverage (pre-existing conditions excluded) might run to 130,000 baht ($4000) per year for an otherwise healthy 65-year old (thats if they are happy to insure you!). More likely than not, your employer will also have enrolled you into a private health insurance program as well in addition to your social security coverage. Current law: 1994 (workmen's compensation). In the absence of eligible survivors, the benefit may be paid to other dependents. First and current laws: 1990 (social security), implemented in 1991; 2003 (older persons); and 2011 (national savings fund). This must be done within 30 days of your job start date. Social Security in Thailand is governed under the act of the same name. What are the rates for the payment of social security? 2564 (2021) was issued on September 27th, 2021. Sub-committee on Policy and Planning (under the National Commission on Social Welfare) endorsed on 12/02/2013 the social protection assessment based national dialogue (ABND) exercise towards a nationally defined social protection floor. To make a claim, you will need the following documentation: The reality on the ground is that most working expats contribute to the SS system but never use the medical benefits because they have private insurance, either provided by their company or paid for by themselves. That said, your wife, because she is over 60, is entitled to the 600 Baht per month allowance. Medical officers assigned by the Social Security Office assess the degree of disability annually.
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