National insurance and insurance illness - mandatory
Entitlement to most social security benefits in Israel is granted by virtue of the payment of dues to the National Insurance Fund. National Insurance is a compulsory insurance applicable to all Israeli residents.
National health insurance guarantees health services to all Israeli residents, it is also an insurance policy mandatory.
''All Israeli residents aged 18 and over are obliged by law to be insured by the BITOUAH LEOUMI and pay dues national insurance, with the exception of a housewife (married woman who is neither employed nor self-employed and his or her spouse is insured), and except for a person who has become Israeli resident for the first time after the age of 62.
All Israeli residents aged 18 and over must also have health insurance and pay health insurance contributions to the National Insurance Fund in addition to health insurance contributions. A housewife is exempt from paying health insurance contributions, unless she is in receipt of an old-age pension or her spouse is receiving an old-age pension supplement. All beneficiaries must be registered with one of the health insurance funds, and are entitled to health services as defined by law.
''Definitions for this chapter :
National insurance contribution - payment for benefits from the National Insurance Fund.
Health insurance contribution - payment for health services.
Insurance premium - includes contributions and health insurance.
Average salary - 9,464 shekels in January 2016.
Maximum income for payment of contributions insurance - 43,240 shekels in January 2016.
Payment of national insurance and health insurance contributions is calculated according to the amount of the insured person's earned and non-earned income, and according to his or her status (employee, self-employed, unemployed, student, etc.). Payments will not be less than the minimum amount set by law and will not exceed the maximum amount set by law.
A person who is unemployed and has no income will pay insurance contributions at a minimum rate of 196 shekels per month. The obligation to pay insurance contributions applies even when the insured is temporarily absent from Israel.
Exemption from payment of contributions national insurance and health insurance :
- New immigrants who do not work until 12 months after the date of their Aliyah to Israel.
- A person who joined the army before the age of 21 as part of military or national service.
- A student in an institution of higher education (up to the final year of secondary school) - the exemption is up to the age of 19, as long as he or she is a pupil.
- Prisoners or detainees in custody or in prison for more than 12 months.
A soldier doing his military service receives health services from the army; he is not insured under the National Health Insurance Act, and therefore does not have to pay health insurance contributions.
A career soldier must pay health insurance contributions.
An overstressed soldier during his studies, will pay the National Insurance and Health Insurance contributions himself. The Caisse d'Assurance Nationale will send him a payment booklet, and he will have to pay the insurance contributions every quarter.
A student at Yeshivat Hesder will pay national insurance and health insurance contributions to the Ministry of Defense from the date of enlistment until the date of release, as well as for the periods during which he is studying in Yeshiva.
Registering with a health insurer and switching from one to another
Registration with a health insurance fund, or switching to another health insurance fund, can be carried out via the National Insurance Fund website, free of charge. Alternatively, you can go to one of the Israel Post branches and fill in the special form (included in the fee).
''For questions and verifications regarding registration, from Sunday to Thursday from 9am to 1pm at the Caisse d'Assurance Nationale branch, health registration department, 13 av. Weizmann, Jerusalem, Tel: 02-6462000 Fax: 02-6462029.
The difference between an employee and a self-employed person
- Salaried employee -His employer must report his salary and pay insurance contributions on his behalf.
- Self-employed - he must register with the Caisse d'Assurance Nationale and pay the insurance contributions himself.
- Salaried employee - a person also insured for unemployment insurance, and insurance for workers' rights in the event of company bankruptcy or liquidation.
- Self-employed - it is not covered by unemployment insurance or insurance for workers' rights in the event of company bankruptcy or liquidation.
- Salaried employee - his rights will not be affected in the event of late payment of employer contributions.
- Self-employed - his or her rights may be affected if he or she is not registered, or in the event of late payment of insurance contributions.
A self-employed worker is a person who falls into one of the following categories:
- A person who works at least 20 hours a week on average in his or her profession;
- A person whose average monthly income by occupation is greater than 60% of the average wage (as of January2016 - 5,678 shekels) ;
- A person who works in his or her profession for an average of at least 12 hours a month and whose monthly income exceeds 15% of the average wage (in January 2016 - 1,420 shekels).
A self-employed person must register with the Caisse d'Assurance Nationale as soon as they start work. A self-employed person who has suffered an industrial accident is entitled to an industrial accident benefit only if, at the time of the accident, he or she was registered with the Caisse d'Assurance Nationale as a self-employed person and had paid insurance contributions.
''You can fill in the registration form (BL/6101) on the Caisse d'Assurance Nationale website and submit online on the Caisse d'Assurance Nationale website
A married woman self-employed in her husband's business is obliged to register with the Caisse d'Assurance Nationale and pay insurance contributions.
Members of a married couple working in a joint venture will be able to divide the company's income between them, and pay the insurance contributions each according to his relative share and only if the division between them varies between one third and two thirds of the general income of each of the parties, or half of the general income.
A self-employed person who receives income from salaried work will be required to pay insurance premiums on both sources of income up to the maximum assessable earnings.
A self-employed person whose income is not derived from workis also liable for the payment of insurance contributions on non-work income, up to the maximum income liable for insurance contributions and after deduction from non-work income of the sum equivalent to 25% of the average wage.
If a person does not meet the definition of a self-employed worker as listed aboveIf you are a self-employed person, you are not considered to be self-employed, and the rules set out below apply (see "a person who is neither employed nor self-employed").
The amount of insurance contributions paid by a self-employed person (in January 2016) :
A self-employed person aged 18 who has not yet reached retirement age will pay :
- For a portion of income up to 60% of the average wage (5,678 shekels in January 2016) he will pay 6.72% for national insurance contributions and 3.1% for health insurance contributions.
- For income above 60% of the average wage (5,678 shekels) up to the maximum income liable to insurance contributions, he will pay 11.23% for national insurance contributions and 5% for health insurance contributions.
Self-employed workers who have reached retirement age and are receiving an old-age pensionIn addition to the national insurance contributions, for income up to 60% of the average wage (5,678 shekels), they will pay 0.39% of national insurance contributions; and for income above 60% of the average wage up to the maximum income liable to insurance contributions, they will pay 0.68% of national insurance contributions. Health insurance contributions will be deducted from the old-age pension.
A policyholder who is neither employed nor self-employed An insured person who is neither employed nor self-employed must register with the Caisse d'Assurance Nationale (National Insurance Fund), and pay the national insurance and health insurance contributions themselves, according to their income. If you have no income, you must pay a minimum insurance contribution. for 168 shekels per month (as of January 2016). A student at a recognized institute of higher learning or a Yeshiva student who does not work, will pay national insurance and health insurance contributions at a minimum rate of 125 shekels per month every quarter, in January, April, July and October, in a booklet sent to them once a year.
Here are the amounts of insurance contributions paid by a self-employed person and a non-independent person with non-work-related income (as at January 2014) : For a portion of income up to 60% of the average wage on the labor market (5,678 shekels), he will pay 4.61% for national insurance contributions and 5% for health insurance contributions; from the portion of income above 60% of the average wage on the labor market up to a maximum income liable to contributions, he will pay 7% for national insurance and 5% for health insurance.
Advance payment of insurance premiums
A self-employed person, as well as a person who does not work but has a taxable income, will pay advances for insurance contributions every 15th of the month.
The amount of the monthly advances is based on estimated income. On receipt of the income tax return, the National Insurance Fund calculates the difference in contributions in favor of the insured or the insurance company. In addition, the Caisse d'Assurance Nationale recalculates the differences in benefits paid to the insured for the same period (benefits in lieu of wages, such as birth grants, reservist allowances).
Reduction and increase of contribution advances
If the amount of the advances set by the National Insurance Fund does not correspond to your actual income, please contact the National Insurance Fund branch where your contribution account is located, together with income certificates and form 672. Advance payments may be adjusted up to 4 times a year, once per quarter, in January, April, July and October. The adjustment will be made on the basis of the income certificates, as required by the regulations of the National Insurance Fund. A self-employed person can reduce or increase the amount of advances he pays, but only if he applies before the end of the tax year and if he has been injured at work - not after the accident.
In the case of a self-employed worker who has not suffered a work-related accident during the same tax year, and who knows full well that his income will be greater than the basis on which he pays insurance contributions, he will is recommended contact the National Insurance Agency and ask for increased advances: 52% of insurance contributions will be paid as advances recognized as income tax deductions for the same tax year.
''A self-employed person or a person who does not not working, having arrears on their contribution account insurance, will be fined plus the additional indexation according to the law.
'The employer is obliged to pay the contributions and health insurance for its employees. salaried workers.
Employers are required to register their employees and their salaries, and to pay national insurance and health insurance contributions on their behalf. The employer must deduct from the employee's salary his share of National Insurance and Health Insurance contributions at the following rates (as at January 2016): from the portion of income up to 60% of the average wage in the labor market (5,678 shekels in the month of January 2016) will be deducted 0.4% for national insurance contributions and 3.1% for health insurance contributions; from the portion of income above 60% of the average wage in the labor market and up to the maximum income liable to contributions, will be deducted 7% for national insurance contributions and 5% for health insurance contributions.
''In the event that the employer fails to pay the contributions employee's insurance policy on time, the employer will be to pay fines with interest, and the company has will be liable to imprisonment. In addition, in the event that the employee suffers an event for which the is entitled to an allowance from the National Insurance Fund, the Caisse d'Assurance Nationale is entitled to claim from the employer the amount of the allowance due to the employee for the same case.
Employers in Israel employing workers who are not Israeli and who reside in Israel. Judea Samaria and in the territories of the Authority Palestinian must pay national insurance contributions on their behalf (except for domestic workers) through the Ministry of the Interior's Civil Status, Immigration and Border Control Payments Department (Maternity, Bankruptcy and Industrial Injuries Department).
Employers in Israel employing residents foreigners must report them to the Caisse d'Assurance Nationale (National Insurance Fund) and pay national insurance contributions on their behalf for maternity, bankruptcy and industrial accident. Employers who employ foreign residents of one of the charter countries will pay the full national insurance contributions on their behalf, but will not pay health insurance contributions on their behalf.
In the case of an Israeli resident employed at working abroad for an Israeli employer and whose employment contract between them was signed in Israel, he will be insured under the National Insurance Law as a worker employed in Israel, and his employer must report him and pay national insurance contributions for him, according to the rules applicable to workers employed in Israel.
If 5 years have elapsed since employment abroad, the employer must apply to the National Insurance Fund for an extension. Authorization of the application depends, among other things, on the residency criterion that the employee must pass.
A person working as an employee with non-work income will pay insurance contributions on his income up to the maximum income, after deducting 25% from the average wage and taking into account his income as an employee.
An employee on unpaid leave
An employee on unpaid leave, who is not simultaneously working in another job, must pay the insurance contributions himself. Insurance contributions for the first two months will be paid by the employer. The employer will be entitled to deduct the insurance contributions paid from any sums due from the employee. Insurance contributions paid by the employee on unpaid leave, from the third month onwards, will be minimal provided the employee has no other income at the same time.
A person working for several employers
A secondary employer will deduct full-rate insurance contributions from each employee's salary, unless the employee has given him a certificate from the Caisse d'Assurance Nationale de prélèvement à taux différentiel ("concordance des cotisations d'assurance").
The deduction certificate at differential rates will be given in cases where the employee's income by theprincipal employer is less than 60% of the average wage (5,678 shekels in the month of January 2016).
If the report shows that more insurance contributions have been deducted from the employee's salary than should have been paid, they will be reimbursed plus indexation surcharges. If it turns out that less insurance contributions have been deducted from the employee's salary than should have been paid, the employee will be obliged to pay the difference to the Insurance Fund.
''Issuance of a contribution matching certificate and submission of a claim for reimbursement insurance premiums that have been overpaid, must be reimbursed. on the Caisse d'Assurance Maladie website. National at www.btl.gov.il// תיאום/ביטוח וגבייה.דמי ביטוח
Domestic workers and their rights
A domestic employee is a worker employed to carry out work in the home, unrelated to his or her employer's work or profession, including childcare, cleaning stairwells in communal houses under certain conditions, etc. A person employing a worker as a domestic must register the worker with the National Insurance Fund, report him or her and pay National Insurance and health insurance contributions on his or her behalf. The employer is entitled to deduct the employee's relative share of the insurance contributions from the employee's salary.
''By completing the report concerning the employment of the house, it is necessary to record all the information of the employee. In the event that the information is not entered on the form or in the case of a registration incorrectly, this could infringe on the employee's rights. to the Caisse d'Assurance Nationale.
Should the employer fail to pay insurance contributions on time for the domestic employee, fines with interest will be levied, and he may even incur a prison sentence. In addition, he will be obliged to pay insurance contributions based on the employee's actual salary, but not less than half the average market wage, as was the case for each month of work for which payments were delayed. In addition, the Caisse d'Assurance Nationale is entitled to claim from any employer who has not registered on time, or who has not paid the insurance contributions on time, the amount of the allowance due to the worker.
The obligation to pay insurance contributions for a domestic worker also applies to an employer of a foreign resident worker or a worker who is not an Israeli resident and whose place of residence is Judea Samaria and the territories under the Palestinian Authority. Insurance contributions for these workers will be paid directly to the National Insurance Fund.
A career soldier receives health services from the army, and health insurance and national insurance contributions are deducted from his salary.
A person undergoing training professional
A person undergoing vocational training for which payment of insurance contributions has been authorized in accordance with the regulations of the National Insurance Fund is insured by the National Insurance Fund and in accordance with the Health Insurance Act. The obligation to pay insurance contributions for the workers' compensation and maternity departments (in the places authorized for this purpose) lies with the place granting the training, and the person following the training must pay insurance contributions himself/herself at the minimum rate applicable to a pupil at a recognized institute of higher education (student).
If you are living abroad and are not employed by an Israeli employer, you will be required to pay insurance contributions based on your income. If he or she has no income, he or she will be required to pay insurance premiums. for a minimum rate 168 shekels per month (as of January 2016), as does anyone who is neither employed nor self-employed in Israel. Insureds living abroad who earn income from work abroad will pay insurance contributions according to their income, as reported to the tax authorities.
'' The insured leaving abroad must contact the agency of the Caisse d'Assurance Nationale nearest to your home, and notify us of your trip and pay your insurance during your stay abroad.
If the insured stays in a country with which Israel has signed a social security agreement (Austria, Uruguay, Italy, Bulgaria, Belgium, Great Britain, Germany, Denmark, Holland, Norway, Finland, Czech Republic, France, Canada, Sweden, Switzerland, Slovakia and Romania), and pays insurance contributions in that country, he/she will provide a certificate of payment and will be exempt from paying insurance contributions in Israel, and will have to pay health insurance contributions on its insofar as the agreement does not cover not health insurance.
Israeli residents staying in abroad for two years or more
An Israeli resident who stays abroad for two or more consecutive years and fails to pay health and national insurance contributions in Israel for more than 12 months, will be denied the right to receive medical services in Israel under the National Health Insurance Law. In order to be entitled to renew medical services, he must have a waiting period of one month for each "year of absence" from Israel. A year's absence from Israel is considered as such if the Israeli resident stays at least 182 days, even non-consecutive, outside Israel. The minimum waiting period is 2 months and the maximum waiting period is 6 months.
Israeli residents who have to wait for a waiting period can buy it back with a "special payment" set by law at 10,950 shekels (as of January 2016).
Payment can be made via the Caisse d'Assurance Nationale website or by cheque direct to the agency. Further information is available on the Caisse d'Assurance Nationale website - www.btl.gov.il/ דמי .תושב ישראל השוהה בחו״ל/ביטוח
A person who has ceased to reside in Israel, returns to live in Israel and is recognized as a returning citizen by the National Insurance Fund, will be entitled to receive medical services in Israel according to the National Health Insurance Law, and only after a waiting period of one month per year spent abroad, and at most 6 months of waiting. The waiting period can be purchased by means of a "special payment" (see previous paragraph).
A pensioner who has not yet reached retirement age, and an unmarried pensioner who has not yet reached retirement age and to whom a pension is paid, must pay pension insurance contributions.
The pension payer must deduct insurance contributions from the pension at source and transfer them to the National Insurance Fund. "Pension", for the payment of insurance contributions, is an allowance paid under a law or labor agreement to the employee or any person who was employed, after leaving work for full or partial retirement. A pension paid to a retiree's surviving spouse is exempt from the payment of insurance contributions.
An early-retirement pensioner who has worked as an employee or self-employed person or both, must pay insurance contributions from all sources of income up to the maximum income subject to insurance contributions. A pensioner as mentioned, whose income liable to insurance contributions from all sources exceeds the maximum insurance contribution payments, is entitled to a refund of the insurance contributions he has paid in excess of the maximum.
Insured at retirement age
In the case of an insured person who has reached retirement age and has not yet received an old-age pension, national insurance and sickness insurance contributions will be deducted from his or her earned income.
These retirees are exempt from paying pension insurance contributions:
1. An insured who has reached retirement age.
2. A widow receiving a survivor's pension or dependant's allowance from the National Insurance Fund.
3. A disabled insured who receives from the National Insurance Fund a general incapacity allowance with a permanent rate of at least 75%, or a work incapacity allowance with a permanent rate of 100%, or a disability allowance with a permanent rate of 75% for at least one year.
4. A person receiving a pension who is not an Israeli resident.
5. The pension paid to the insured's surviving spouse is exempt from national insurance and health insurance contributions.
A married woman who does not work outside the home, and whose husband is insured under an old-age pension scheme and a survivor's pension will provide the pension payer with a declaration of his situation, and on the basis of this declaration, insurance contributions for the pension paid to him will not be deducted from his pension.
Beneficiaries of an old-age or surviving spouse's pension
For recipients of an old-age pension or of the survivor's pension with an allowance of additional incomehealth insurance contributions will be deducted from their allowance for a minimum amount of 103 shekels per month (as of January 2016).
For recipients of an old-age pension without income support allowancehealth insurance contributions will be deducted from their allowance in the amount of 196 shekels for a single person or 283 shekels for a couple per month (as of January 2016), even if each member of the couple receives an allowance separately. Their other income, such as pension income or income from employment or self-employment, is exempt from the payment of health insurance contributions.