厚生年金に入る資格があるのに、雇い主が手続きを怠り、加入できずにいる人が350万~400万人いることが政府の推計でわかった。22日の衆院予算委員会で田村厚労相が明かした。(新聞記事より抜粋)

 

*****

 

 厚労省によると、厚生年金に加入義務があるにも関わらず加入していない事業所は約39万あるそうです。

 この問題で思うのは、何故社会保険と労災保険では加入に関する扱いが違うのかということです。

 例えば労災保険の場合、人を一人でも雇用したら自動的に加入した扱いになり、例え事業所が「加入手続のための書類提出」や「保険料の支払い」を怠っていても、労災事故が起きたら補償されます。追って事業所に手続違反や未納のペナルティが課せられるだけで、労働者本人への補償には影響ありません。

社会保険は「義務だ」といいながら、強制加入させず「加入勧奨」にとどまっている。無理に入れると支払えない事業所が続出し、未納率が上がり給付過剰になるからでしょうか? しかし一方で、保険料収入も上がりペナルティ(強制徴収)もやれば保険料は取れます。そこのメリット・デメリットは労災保険も同じです。

 

 今のまま加入勧奨にとどめる場合と、強制加入にした場合で、収支がどうなるかの比較シュミレーションって出したことがあるのでしょうか?(もしやった上で勧奨にとどめた方がいいという判断なら仕方ないですが)

 

 あと現場を回っていてよく聞く声に、会社は加入させようと思っていても従業員がどうしても入りたくないと言ってるという声。給料が減らされるのが嫌だとのこと。こういう従業員は国民年金も払っていないのだと思います。また、「年金制度なんてそのうち崩壊するから保険料が無駄になる」というのもよく聞きます。これらは、いずれも年金制度の無知から来るものです。複雑すぎて一般の人にはわかりにくい年金制度をちゃんと説明していく責任も求められます。

 

 

 

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