{"id":3318,"date":"2026-03-25T14:20:39","date_gmt":"2026-03-25T07:20:39","guid":{"rendered":"https:\/\/mb668s.com\/cam-nang-luong\/?p=3318"},"modified":"2026-03-31T10:53:37","modified_gmt":"2026-03-31T03:53:37","slug":"cong-ty-khong-dong-bao-hiem-cho-nhan-vien","status":"publish","type":"post","link":"https:\/\/mb668s.com\/cam-nang-luong\/cong-ty-khong-dong-bao-hiem-cho-nhan-vien\/","title":{"rendered":"C\u00f4ng ty kh\u00f4ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m cho nh\u00e2n vi\u00ean \u2013 Quy\u1ec1n l\u1ee3i v\u00e0 c\u00e1ch x\u1eed l\u00fd"},"content":{"rendered":"
Tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (Social Insurance) l\u00e0 quy\u1ec1n l\u1ee3i b\u1eaft bu\u1ed9c c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng khi k\u00fd h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng. Tuy nhi\u00ean, th\u1ef1c t\u1ebf v\u1eabn c\u00f2n nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty kh\u00f4ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m cho nh\u00e2n vi\u00ean<\/strong>, khi\u1ebfn ng\u01b0\u1eddi lao \u0111\u1ed9ng ch\u1ecbu thi\u1ec7t th\u00f2i v\u1ec1 quy\u1ec1n l\u1ee3i h\u01b0u tr\u00ed, \u1ed1m \u0111au v\u00e0 thai s\u1ea3n. B\u00e0i vi\u1ebft ph\u00e2n t\u00edch quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, m\u1ee9c ph\u1ea1t doanh nghi\u1ec7p v\u00e0 h\u01b0\u1edbng d\u1eabn khi\u1ebfu n\u1ea1i c\u1ee5 th\u1ec3.<\/p>\n T\u1ed5ng quan nhanh<\/strong><\/p>\n \u2013 Theo \u0110i\u1ec1u 2 Lu\u1eadt BHXH 2014, ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng t\u1eeb 1 th\u00e1ng tr\u1edf l\u00ean thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c tham gia BHXH.<\/p>\n \u2013 Doanh nghi\u1ec7p tr\u1ed1n \u0111\u00f3ng BHXH b\u1ecb ph\u1ea1t t\u1eeb 12% \u0111\u1ebfn 15% t\u1ed5ng s\u1ed1 ti\u1ec1n ph\u1ea3i \u0111\u00f3ng theo Ngh\u1ecb \u0111\u1ecbnh 12\/2022\/N\u0110-CP, t\u1ed1i \u0111a 75 tri\u1ec7u \u0111\u1ed3ng.<\/p>\n \u2013 NL\u0110 c\u00f3 quy\u1ec1n khi\u1ebfu n\u1ea1i t\u1ea1i c\u01a1 quan BHXH qu\u1eadn\/huy\u1ec7n, Thanh tra S\u1edf L\u0110TBXH ho\u1eb7c kh\u1edfi ki\u1ec7n t\u1ea1i T\u00f2a \u00e1n nh\u00e2n d\u00e2n.<\/p>\n \u2013 Doanh nghi\u1ec7p vi ph\u1ea1m ph\u1ea3i truy thu to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n BHXH ch\u01b0a \u0111\u00f3ng c\u1ed9ng ti\u1ec1n l\u00e3i ch\u1eadm \u0111\u00f3ng.<\/p>\n<\/div>\n Lu\u1eadt B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i 2014 (Lu\u1eadt s\u1ed1 58\/2014\/QH13) quy \u0111\u1ecbnh r\u00f5 \u0111\u1ed1i t\u01b0\u1ee3ng tham gia BHXH b\u1eaft bu\u1ed9c t\u1ea1i \u0110i\u1ec1u 2. Theo \u0111\u00f3, ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0m vi\u1ec7c theo h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng c\u00f3 th\u1eddi h\u1ea1n t\u1eeb \u0111\u1ee7 1 th\u00e1ng tr\u1edf l\u00ean \u0111\u1ec1u thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c tham gia BHXH, b\u1ea3o hi\u1ec3m y t\u1ebf (BHYT) v\u00e0 b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p (BHTN). Quy \u0111\u1ecbnh n\u00e0y \u00e1p d\u1ee5ng cho c\u1ea3 lao \u0111\u1ed9ng Vi\u1ec7t Nam v\u00e0 lao \u0111\u1ed9ng n\u01b0\u1edbc ngo\u00e0i c\u00f3 gi\u1ea5y ph\u00e9p lao \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam.<\/p>\n Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng (doanh nghi\u1ec7p, h\u1ed9 kinh doanh, t\u1ed5 ch\u1ee9c) c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u0103ng k\u00fd v\u00e0 \u0111\u00f3ng BHXH cho to\u00e0n b\u1ed9 nh\u00e2n vi\u00ean thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c. M\u1ee9c \u0111\u00f3ng BHXH do c\u1ea3 hai b\u00ean c\u00f9ng ch\u1ecbu: ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng \u0111\u00f3ng 17,5% v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u00f3ng 8% tr\u00ean m\u1ee9c l\u01b0\u01a1ng th\u00e1ng \u0111\u00f3ng BHXH. \u0110i\u1ec1u 21 Lu\u1eadt BHXH 2014 c\u0169ng n\u00eau r\u00f5 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ph\u1ea3i \u0111\u00f3ng \u0111\u00fang, \u0111\u00f3ng \u0111\u1ee7 v\u00e0 k\u1ecbp th\u1eddi cho c\u01a1 quan BHXH.<\/p>\n Tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p tr\u1ed1n \u0111\u00f3ng BHXH ho\u1eb7c c\u00f4ng ty kh\u00f4ng mua b\u1ea3o hi\u1ec3m cho nh\u00e2n vi\u00ean d\u00f9 \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, \u0111\u00e2y l\u00e0 h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt nghi\u00eam tr\u1ecdng theo B\u1ed9 lu\u1eadt Lao \u0111\u1ed9ng 2019 v\u00e0 Lu\u1eadt BHXH 2014.<\/p>\n Khi doanh nghi\u1ec7p tr\u1ed1n \u0111\u00f3ng BHXH, ng\u01b0\u1eddi lao \u0111\u1ed9ng ph\u1ea3i g\u00e1nh ch\u1ecbu nhi\u1ec1u thi\u1ec7t th\u00f2i tr\u1ef1c ti\u1ebfp v\u1ec1 quy\u1ec1n l\u1ee3i. Th\u1eddi gian kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f3ng BHXH s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o qu\u00e1 tr\u00ecnh tham gia b\u1ea3o hi\u1ec3m, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn to\u00e0n b\u1ed9 ch\u1ebf \u0111\u1ed9 m\u00e0 NL\u0110 \u0111\u01b0\u1ee3c h\u01b0\u1edfng theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt. \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 nghi\u00eam tr\u1ecdng m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi lao \u0111\u1ed9ng ch\u01b0a nh\u1eadn th\u1ee9c \u0111\u1ea7y \u0111\u1ee7 cho \u0111\u1ebfn khi c\u1ea7n s\u1eed d\u1ee5ng c\u00e1c quy\u1ec1n l\u1ee3i BHXH.<\/p>\n \u2013 Ng\u01b0\u1eddi lao \u0111\u1ed9ng kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng ch\u1ebf \u0111\u1ed9 \u1ed1m \u0111au, thai s\u1ea3n do kh\u00f4ng c\u00f3 qu\u00e1 tr\u00ecnh \u0111\u00f3ng BHXH li\u00ean t\u1ee5c \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n theo Lu\u1eadt BHXH 2014.<\/p>\n \u2013 Th\u1eddi gian h\u01b0\u1edfng l\u01b0\u01a1ng h\u01b0u b\u1ecb gi\u1ea3m ho\u1eb7c kh\u00f4ng \u0111\u1ee7 20 n\u0103m \u0111\u00f3ng BHXH \u0111\u1ec3 nh\u1eadn l\u01b0\u01a1ng h\u01b0u h\u00e0ng th\u00e1ng khi \u0111\u1ebfn tu\u1ed5i ngh\u1ec9 h\u01b0u.<\/p>\n \u2013 NL\u0110 kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p (BHTN) khi ngh\u1ec9 vi\u1ec7c, m\u1ea5t \u0111i kho\u1ea3n h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh quan tr\u1ecdng trong giai \u0111o\u1ea1n t\u00ecm vi\u1ec7c m\u1edbi.<\/p>\n \u2013 Th\u1ebb BHYT kh\u00f4ng \u0111\u01b0\u1ee3c c\u1ea5p, ng\u01b0\u1eddi lao \u0111\u1ed9ng ph\u1ea3i t\u1ef1 chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh thay v\u00ec \u0111\u01b0\u1ee3c BHYT chi tr\u1ea3 80% theo quy \u0111\u1ecbnh.<\/p>\n Ngo\u00e0i thi\u1ec7t h\u1ea1i tr\u1ef1c ti\u1ebfp, NL\u0110 b\u1ecb c\u00f4ng ty kh\u00f4ng \u0111\u00f3ng BHXH c\u00f2n g\u1eb7p kh\u00f3 kh\u0103n khi chuy\u1ec3n vi\u1ec7c. S\u1ed5 BHXH b\u1ecb gi\u00e1n \u0111o\u1ea1n khi\u1ebfn qu\u00e1 tr\u00ecnh t\u00edch l\u0169y th\u1eddi gian \u0111\u00f3ng kh\u00f4ng li\u00ean t\u1ee5c, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee9c h\u01b0\u1edfng c\u00e1c ch\u1ebf \u0111\u1ed9 d\u00e0i h\u1ea1n. B\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o c\u00e1c c\u01a1 h\u1ed9i vi\u1ec7c l\u00e0m ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i danh m\u1ee5c vi\u1ec7c l\u00e0m b\u1ea3o hi\u1ec3m<\/a><\/em><\/strong> tr\u00ean CareerLink \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n L\u01b0u \u00fd quan tr\u1ecdng<\/strong><\/p>\n \u2013 Ng\u01b0\u1eddi lao \u0111\u1ed9ng n\u00ean ki\u1ec3m tra qu\u00e1 tr\u00ecnh \u0111\u00f3ng BHXH \u0111\u1ecbnh k\u1ef3 qua \u1ee9ng d\u1ee5ng VssID ho\u1eb7c t\u1ed5ng \u0111\u00e0i 1900.9068 \u0111\u1ec3 ph\u00e1t hi\u1ec7n s\u1edbm t\u00ecnh tr\u1ea1ng doanh nghi\u1ec7p ch\u1eadm \u0111\u00f3ng ho\u1eb7c tr\u1ed1n \u0111\u00f3ng BHXH.<\/p>\n \u2013 N\u1ebfu ph\u00e1t hi\u1ec7n c\u00f4ng ty kh\u00f4ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m, NL\u0110 c\u1ea7n gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, b\u1ea3ng l\u01b0\u01a1ng v\u00e0 c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ec3 ph\u1ee5c v\u1ee5 khi\u1ebfu n\u1ea1i.<\/p>\n<\/div>\n Ngh\u1ecb \u0111\u1ecbnh 12\/2022\/N\u0110-CP quy \u0111\u1ecbnh x\u1eed ph\u1ea1t vi ph\u1ea1m h\u00e0nh ch\u00ednh trong l\u0129nh v\u1ef1c lao \u0111\u1ed9ng, b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, \u0111\u01b0a ng\u01b0\u1eddi lao \u0111\u1ed9ng Vi\u1ec7t Nam \u0111i l\u00e0m vi\u1ec7c \u1edf n\u01b0\u1edbc ngo\u00e0i theo h\u1ee3p \u0111\u1ed3ng. Theo \u0111\u00f3, doanh nghi\u1ec7p vi ph\u1ea1m ngh\u0129a v\u1ee5 \u0111\u00f3ng BHXH s\u1ebd b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh v\u1edbi m\u1ee9c ph\u1ea1t t\u00f9y theo s\u1ed1 lao \u0111\u1ed9ng b\u1ecb \u1ea3nh h\u01b0\u1edfng v\u00e0 t\u00ednh ch\u1ea5t vi ph\u1ea1m.<\/p>\n
<\/figure>\n1. Ai ph\u1ea3i \u0111\u00f3ng BHXH b\u1eaft bu\u1ed9c theo quy \u0111\u1ecbnh<\/h2>\n
2. H\u1eadu qu\u1ea3 khi NL\u0110 b\u1ecb c\u00f4ng ty kh\u00f4ng \u0111\u00f3ng BHXH<\/h2>\n
3. M\u1ee9c ph\u1ea1t doanh nghi\u1ec7p kh\u00f4ng \u0111\u00f3ng BHXH cho nh\u00e2n vi\u00ean<\/h2>\n