SIS de nuevos trabajadores

Name: SIS de nuevos trabajadores
Uploaded: 2024-05-28T16:29:33.000Z
Duration: 3 h 4 s

Live Session Overview

Introduction and Greetings

The host expresses excitement for the live session, greeting viewers and acknowledging their presence.

Acknowledgment of regular participants like Andrés, emphasizing community engagement during these sessions.

The host shares personal enjoyment in conducting live sessions, highlighting the opportunity to learn from viewer questions.

Important Dates and Deadlines

Discussion on the deadline for RUC 1, which is relevant for individuals without businesses and certain legal entities.

Explanation of a new schedule that includes a second timeline for tax submissions, indicating potential advantages and challenges for accounting practices.

Emphasis on how changes in deadlines may complicate calculations related to taxes (ITÁ) and coefficients used by companies.

Engagement with Viewers

The host invites viewers to participate actively by asking questions throughout the session.

Announcement of a giveaway at the end of the session, encouraging subscribers to stay tuned for a chance to win "mostrito."

Topic Introduction: SIS (Social Insurance System)

Transition into discussing SIS with an emphasis on its relevance to both new and existing workers.

Reference to a specific question about SIS posed by Carlos on May 27th, indicating audience involvement in shaping discussion topics.

Technical Preparations

The host prepares technical aspects before diving into answering viewer questions regarding SIS.

Acknowledgment of various viewers joining from different locations, fostering a sense of community among participants.

Electronic Payment Receipts and Business Solutions

Introduction to Electronic Payment Receipts

A company offers the ability to issue various types of electronic payment receipts, including invoices, tickets, credit notes, and electronic shipping guides.

It is emphasized that electronic shipping guides are mandatory starting this year, highlighting the importance of compliance in business operations.

Recommended Service Providers

The speaker recommends "Rapifa," which currently has a promotion offering two months free with an annual payment plan. Interested individuals can contact them at 955 114 219 for more information.

Viewers are encouraged to follow Rapifa on social media for important updates and information regarding their services.

Introduction to Def Fontana

The second sponsor introduced is "Def Fontana," described as a digital ecosystem focused on innovation and solutions for businesses of all sizes.

Def Fontana encourages businesses to think digitally, stating that there are no geographical limitations when embracing digital transformation.

Services Offered by Def Fontana

Def Fontana provides multiple solutions such as payroll management, labor benefit calculations, and employee communication tools through their service called Senda.

They also offer inventory management solutions and electronic receipt issuance tailored for warehouses.

Accessing Information from Def Fontana

For further details about Def Fontana's services, viewers can visit their website at defontana.com. There is also a promotional link available in the video description for registration benefits.

Technical Issues with Payment Platforms

Recent Server Issues

The speaker acknowledges recent server issues with a new platform related to declarations and payments that affected users' ability to process transactions.

Despite these challenges, patience is advised while waiting for the platform's functionality improvements; it was noted that performance improved later in the day.

Community Engagement

The speaker expresses gratitude towards viewers joining the live session and engages with audience members by acknowledging their greetings.

Subscriber Benefits and Promotions

Subscriber Contributions

Subscribers contributing 5 soles will be entered into a giveaway after the transmission ends; prizes include food vouchers from Rockis restaurant.

Promotion Details

The speaker shares personal experiences dining at Rockis, highlighting affordable drink promotions which enhance dining experiences.

Viewer Interaction: Questions from Subscribers

Addressing Viewer Queries

An interesting question posed by Carlos regarding new versus old workers under certain regulations is set up for discussion during the live session.

Understanding SIS and Its Implementation

Overview of SIS as a Health Insurance Alternative

The SIS (Seguro Integral de Salud) was created as an alternative to EsSalud when the special labor regime (RIPE) was established, providing options for health and social pensions.

While SIS is intended to be subsidized—half paid by employers and half by the state—the implementation has been inconsistent, particularly regarding social pensions which were not effectively put into practice.

Transitioning Employees from SIS

When transitioning an employee from SIS to another health insurance, two changes must be made: one on the SIS website and another in the T Register.

To register a new worker under SIS, it is essential to first add them on the Remipedia site before they can appear in payment quotas.

Payment Procedures for New Workers

For a new worker to show up for payment under SIS, they must be registered on the Remipedia site; simply adding them in T Register is insufficient.

Unlike other health insurances that have set schedules for payments, SIS lacks a clear timeline which complicates payment processes.

Managing Payments Effectively

It is recommended to make the first payment within three days of registering an employee with SIS. Subsequent payments should follow every 30 days.

Payments cannot be retroactively adjusted; if missed months are not paid promptly, only future periods will be recognized.

Addressing Common Questions about SIS

Payments can only be made at Banco de la Nación or through Pagalo P; there are no options available with other banks.

Companies registered as microenterprises can choose whether certain employees are covered by SIS or EsSalud. This flexibility requires clear contractual obligations to avoid misunderstandings among employees.

Understanding the Implications of Labor Costs and Health Insurance

The Cost of Labor and Its Dual Nature

Entrepreneurs face challenges in formalizing their payroll due to high labor costs, which can be as low as 15 soles compared to a potential 99% increase. This situation presents both advantages and disadvantages.

Limitations of SIS Coverage

The SIS (Seguro Integral de Salud) does not cover certain subsidies such as temporary incapacity or maternity leave, leading to financial burdens for employers when employees require medical leave.

While hospitals will provide care for employees covered by SIS during childbirth, there is no reimbursement for the medical leave days taken, which can range from 90 to 98 days.

Comparison with Other Health Insurance Options

Although the amount provided for burial expenses under SIS is lower than other health insurance options (up to 1000 soles), it still offers some coverage that may not exist in other areas like lactation support.

Each company's scenario varies; thus, careful analysis is necessary before deciding on health insurance options based on specific needs.

Government's Role in Providing Access to Healthcare

The government established SIS as a solution for individuals without access to health insurance, ensuring they receive hospital care despite lacking formal coverage.

The introduction of microenterprise regulations aimed at reducing labor costs was partly motivated by employers' reluctance to formalize due to perceived high expenses associated with employee benefits.

Challenges Faced by Employers with SIS

Even if an employee is not actively working or insured through traditional means, they can still receive treatment at hospitals under the SIS framework designed for those without insurance.

Employers must navigate complex regulations regarding worker registration and payment schedules within the SIS system, which can lead to complications if payments are missed or delayed.

Managing Employee Registrations Effectively

If an employer falls behind on multiple months of payments into the SIS system, all workers may be automatically deregistered until reactivated through communication with the agency.

Each worker has a unique code used for direct payments; maintaining organization in payment schedules is crucial since the SIS does not adhere strictly to standard tax deadlines.

Eligibility Criteria for Microenterprises

Only microenterprises qualify for benefits under the microenterprise regime; small businesses or those under general regimes do not have access to these reduced labor cost options offered by SIS.

While paying significantly lower fees (15 soles vs. up to 99%), recommendations vary depending on individual business circumstances regarding whether traditional health insurance or SIS would be more beneficial.

Handling Intermittent Workers Efficiently

For companies employing intermittent workers who frequently cycle between employment periods, managing registrations requires diligence; bulk registration processes are available but may involve additional administrative work.

Software Recommendations for Payroll Management

Recommended Software for Mass Registration

The speaker suggests using payroll software that allows for mass registration, particularly for handling large numbers of employees (e.g., 200 workers).

Fontana is mentioned as a recommended provider of such software, encouraging users to contact them to discuss specific issues.

Health Insurance Transition Considerations

A discussion arises about transitioning an employee from one health insurance plan (Salud) to another (SIS), emphasizing the need for proper contractual agreements.

Some employees prefer SIS over Salud due to perceived better service and accessibility, despite Salud offering more benefits.

Employee Rights and Coverage

The concept of "derechohabientes" (beneficiaries) in health insurance is explained, detailing who can be registered under an employee's coverage.

Clarification on how divorce affects health insurance registration; it’s necessary to deregister an ex-spouse from coverage after separation.

Health Insurance Preferences and Issues

It is noted that if an employee has both Salud and SIS, Salud will take precedence when seeking medical attention.

Employees can work simultaneously in different companies with varying health plans without legal restrictions; however, the primary coverage will still be determined by their main employer.

Taxation and Employment Regulations

Discussion on tax obligations under the MIPE regime indicates that businesses must evaluate their tax status once they exceed certain income thresholds.

Pregnant workers under SIS do not receive the same subsidies as those under Salud, highlighting disparities between the two systems.

Challenges with SIS Registration

If employers fail to make timely payments into SIS, employees may face automatic deactivation or disenrollment from the system.

Regularizing missed contributions requires discipline; communication with SIS is essential for reactivation after lapses in payment.

This structured summary captures key insights from the transcript while providing timestamps for easy reference.

Communication and Processes in Employee Affiliation

Email Communication for Employee Affiliations

The speaker discusses the importance of email communication regarding employee affiliations, mentioning a specific email that contains crucial information.

The speaker attempts to locate an important email related to employee affiliation codes, indicating the significance of this communication in managing employee records.

A screen share is initiated to illustrate how user codes are requested for verifying worker affiliations, emphasizing the need for proper documentation.

Issues with Payment Compliance

The discussion highlights issues where companies face penalties due to non-compliance with payment contributions, leading to canceled affiliations.

Important codes are shared via emails which are necessary for making payments on behalf of employees; these codes play a critical role in maintaining compliance.

Reactivation Process for Affiliations

If a company fails to make timely payments, they must send an email request to reactivate their account before they can view or manage employee contributions again.

Clarification is provided on how vacation provisions should be calculated based on basic salary and additional earnings like overtime or bonuses.

Health Insurance Options and Recommendations

Discussion about health insurance options reveals that employees can maintain their health coverage even when switching between different systems (e.g., from SIS).

The speaker reassures that transitioning from one health system to another does not result in loss of coverage as long as certain conditions are met.

Challenges with Government Systems

There’s mention of challenges faced by companies when dealing with government systems like SIS, particularly regarding delays and inefficiencies in processing requests.

The speaker notes that while some businesses initially found SIS beneficial, over time it became less reliable compared to traditional health insurance options.

Financial Reporting Considerations

Clarification is made regarding financial reporting practices; expenses incurred during one fiscal year can still be reported even if they yield results in subsequent years.

A question arises about deducting marketing expenses from 2023 despite no sales occurring that year; the answer confirms this practice is acceptable under accounting standards.

This structured summary captures key discussions around employee affiliation processes, payment compliance issues, health insurance transitions, challenges with government systems, and financial reporting considerations. Each point links back directly to its corresponding timestamp for easy reference.

Health Insurance Options and Costs

Understanding EPS Costs

The cost of an EPS (Entidad Prestadora de Salud) varies based on individual circumstances, such as whether one is single or has dependents. For example, a single person may pay around 180 soles, while a family plan could cost approximately 600 soles.

Individuals must assess their financial capabilities when choosing an EPS. The speaker emphasizes that everyone should make informed decisions based on their income and needs.

Specific Cost Examples

A specific case is mentioned where a client pays 8811 soles monthly for an EPS covering two spouses and two children. This highlights the significant variation in costs depending on family size.

The speaker suggests that having an EPS is advisable if one has sufficient income, as it allows access to better healthcare services compared to public options.

Latency Period for Health Coverage

The latency period for health coverage can vary significantly; typically, the maximum is one year for workers with over 30 months of contributions, while the minimum is two months.

If someone has worked for more than five years, they might retain additional coverage benefits even after leaving their job.

Engagement with Audience

The speaker acknowledges the audience size during the live session and encourages YouTube subscribers to support by contributing financially at the end of the transmission.

SIS Limitations and Eligibility

There are limits regarding eligibility for SIS (Seguro Integral de Salud), particularly concerning income levels. Higher earners may not qualify due to exceeding set thresholds.

Changes in health insurance status can lead to waiting periods before re-enrollment in certain programs like SIS; specifically, a twelve-month wait after making changes.

Microenterprise Health Insurance Options

Microenterprises can also obtain EPS coverage; however, costs may be lower when more employees are enrolled under a single plan.

It’s recommended to work with a good broker who can provide additional benefits and help navigate health insurance options effectively.

This structured summary captures key insights from the transcript while providing timestamps for easy reference.

Health Insurance Insights

Understanding EPS and Health Coverage

The speaker discusses the relationship between paying for an EPS (health insurance) and receiving health care services, emphasizing that while you can access health services, it may not be free.

Clarification is provided on how using EPS does not eliminate out-of-pocket costs; individuals still pay a percentage for health services even when insured.

It is highlighted that having EPS does not guarantee free consultations or medications at clinics; users should be aware of potential charges based on their specific plan.

The speaker explains the cost benefits of using EPS, noting that while consultations may be cheaper with insurance, they are not entirely free compared to uninsured rates.

Navigating Health Insurance Options

A question arises regarding sales alerts related to undeclared credit card transactions, indicating the need for rectification and potential penalties if discrepancies are found.

The importance of regularizing undeclared income is stressed, as failing to do so could result in fines associated with tax obligations.

Choosing the Right Clinic

Discussion shifts to mandatory life insurance for companies starting operations, confirming its necessity regardless of company size or employee count.

Recommendations for selecting private insurers depend heavily on individual circumstances; there’s no one-size-fits-all solution in choosing an insurer.

The speaker shares personal preferences for clinics based on location and reputation, specifically favoring San Pablo due to its extensive network and accessibility across different areas.

Cost Considerations in Healthcare

Emphasis is placed on the financial advantages of direct contracts with clinics over traditional insurance plans, suggesting this approach can lead to lower overall costs.

Potential disadvantages are acknowledged when relying solely on local clinics without broader coverage options; patients might incur higher costs if seeking care outside their immediate area.

Evaluating Insurance Plans

The discussion includes considerations about provincial healthcare access versus urban clinic availability under various insurance plans.

The speaker notes that some insurers offer broader networks which include both urban and provincial facilities, enhancing patient choice during emergencies.

A comparison is made between different clinic networks like Clínica Internacional and others based on their geographical presence and service offerings.

Conclusion: Making Informed Choices

Overall insights stress the importance of understanding one's health insurance options thoroughly before making decisions about coverage or treatment locations.

Health Insurance Insights

Experiences with Health Insurance and Vaccination

The speaker shares personal experiences regarding health insurance, emphasizing that everyone without active insurance is registered when visiting a hospital.

Discusses the cost of vaccinations for infants, specifically mentioning a clinic where one vaccine costs 150 soles, highlighting the financial burden on parents.

Points out that if one opts for public health services (SIS), vaccinations can be free, contrasting this with private clinics where costs are incurred.

Emphasizes the potential savings from using public health services for vaccinations instead of private clinics, suggesting that these savings could be redirected to other expenses.

Mentions a specific location in Miraflores where free vaccinations are available at a public health post, illustrating practical options for parents.

Limitations of Health Insurance Coverage

Clarifies that individuals cannot insure their parents under their health insurance; coverage is limited to spouses or dependents like children and pregnant partners.

Introduces the concept of CSTR (Compulsory Health Insurance), which is mandatory for certain high-risk businesses but not universally applicable across all companies.

Understanding Private vs. Public Health Insurance

Discusses options between private and state health insurance plans, recommending private plans as beneficial due to better service quality.

Explains the importance of declaring contributions made towards pension funds (AFP), ensuring proper documentation and compliance with regulations.

Employer Responsibilities in Health Contributions

Addresses concerns about employers delaying payments to AFP contributions; emphasizes that employees should not have to pay independently if deductions have already been made by employers.

Highlights the obligation of employers to contribute to AFP as part of employee benefits and warns against double payment burdens on employees.

Challenges with SIS Enrollment

Notes complications associated with SIS enrollment, indicating it can be cumbersome and time-consuming compared to other insurance options.

Reflecting on past experiences with SIS management reveals frustrations over administrative burdens versus opting for more straightforward private insurance solutions.

Discussion on Health Insurance and Employer Responsibilities

Employer Obligations and Employee Concerns

The speaker discusses the implications of employers neglecting to pay health insurance contributions, leading to increased costs for employees in the long run.

Emphasizes that it is mandatory for employers to provide health insurance from day one, highlighting the financial burden on accountants who must resolve these issues.

Understanding Health Insurance Options

Acknowledges that clients often need to clarify their income sources when applying for health insurance, stressing the importance of accurate documentation.

Discusses how premiums for life insurance should be reported correctly on payment slips, ensuring compliance with legal requirements.

Personal Experiences with Healthcare Providers

The speaker reflects on personal experiences with healthcare providers, cautioning against generalizing based on individual negative encounters.

Mentions a trend where people share negative experiences online about banks and clinics, indicating a growing culture of public accountability.

Choosing the Right Insurance Plan

Advises listeners not to rush into purchasing health insurance; emphasizes that such decisions should consider long-term commitments rather than short-term needs.

Stresses the importance of maintaining one's health through proper nutrition and access to quality medical care as essential components of well-being.

Compliance and Legal Considerations

Addresses concerns regarding penalties for failing to submit annual reports, clarifying that fines are applicable regardless of business size or type.

Discusses vaccine availability at public health facilities versus private clinics, sharing personal vaccination experiences while acknowledging varying opinions on vaccine efficacy.

Individual Choices in Healthcare

Highlights that vaccination decisions are personal; individuals have different beliefs about vaccines based on their unique experiences.

Reinforces that each person's healthcare choices are valid and should be respected despite differing views on vaccinations or treatments.

Financial Aspects of Health Insurance

Clarifies misconceptions about certain financial obligations related to employee benefits; stresses the importance of keeping records for inspections by regulatory bodies.

Discusses practical aspects of managing payments related to pension funds (AFPs), emphasizing transparency in financial transactions between employees and employers.

Registration Process for Workers and Beneficiaries

How to Register Workers on the Mintra Page

The registration of workers affiliated with a specific policy must be done on the Mintra website, where you can also register their beneficiaries.

This process is not a one-time task; it needs to be repeated each time a policy is renewed.

Inquiry About Teacher Registration

A question was raised regarding whether two art and sports teachers at a school with 20 students need to be registered in the payroll, given they only teach part-time (3 hours each per week).

It was clarified that there is no legal requirement specifying a minimum number of hours for someone to be included in the payroll.

Legal Requirements for Payroll Inclusion

The law outlines three essential elements for payroll inclusion: subordination, service provision, and payment. There are no stipulations about minimum working hours.

Even if an employee works only one or two hours weekly, they should still be included in the payroll; however, their earnings will reflect their limited hours worked.

Health Concerns and Vaccination Issues

Discussion on Vaccine Restrictions

A participant mentioned that her daughter has allergies preventing her from receiving state-mandated vaccinations, indicating that some children require specific vaccines based on individual health conditions.

Live Session Engagement and Community Interaction

Transitioning to Giveaway Segment

The speaker noted they had been live for over an hour and decided it was time to conduct a giveaway before getting distracted by other obligations.

Giveaway Participation Criteria

To participate in the giveaway, viewers must be members of the YouTube channel or subscribers. Non-members are excluded from participating.

Acknowledgment of Supporters

Gratitude Towards Subscribers and Sponsors

The speaker expressed appreciation for subscribers who contribute financially as well as sponsors who support monthly. This gratitude reflects an ethos of reciprocity within community engagement.

Future Community Events Planning

Ideas for Upcoming Gatherings

Plans were discussed about organizing events such as meet-ups or networking opportunities in June, aiming to foster community connections among participants.

Conclusion of Giveaway Process

The speaker prepared to initiate the giveaway process while ensuring participants understood how winners would receive their prizes via WhatsApp.

How to Redeem Your Voucher at Rockis?

Step-by-Step Redemption Process

To redeem your voucher, go directly to the cashier and show the voucher on your phone. The staff will print a voucher for you.

Ensure that you clearly communicate your order preference; whether it's for takeout or dining in, as this affects how they process your request.

Clarification on Terms Used

There was a mix-up with terminology during the session; the correct term to use is "rockis" instead of any other variations mentioned earlier.

A reminder was given about a previous webinar discussing asset imbalance, which may be relevant for subscribers.

Webinar Recap and Resources

The host shared that a video from yesterday's live session on formats for asset imbalance is now available for subscribers.

Subscribers can access various courses related to asset imbalance through the designated section on their platform.

Giveaway Announcement

The winner of a giveaway was announced; it was María Verastegui from YouTube who won a voucher.

Congratulations were extended to María, along with instructions on how she could claim her prize via WhatsApp.

Closing Remarks and Future Engagement

Participants were encouraged not to lose hope if they didn't win this time, as future giveaways are planned around special occasions like Father's Day.

María was instructed to send a screenshot of her YouTube profile via WhatsApp to receive her digital voucher.