bursa cpns - Go on sick leave - you lose money. But is the loss so significant? To learn how to get sick without financial complications and how to act correctly in case of a sick leave.
Without complications for the wallet
First of all, let's figure out who can get sick without financial losses, and who still has a diseasewill deprive of a part of the monthly income. The amount received for the period of temporary disability depends on the length of service. This does not mean the time of work in this organization, but the total length of service during which deductions were made for the employee to the Social Insurance Fund (FSS) until 2023 (since 2023, the FSS has merged with the Pension Fund into a single fund - the Social Fund of Russia, or SFR). If such a total length of service is less than 5 years, then 60% of the average salary is paid to the employee during the illness; if from 5 to 8 years - 80%; more than 8 years - 100%. No changes have taken place in this matter, although amendments to the legislation are periodically discussed, according to which only employees with 15 years of work experience could count on one hundred percent payment. Fortunately, the amendments have not yet been adopted.
How to calculate what you can count on when you go on sick leave? To do this, you first need to calculate your average daily earnings. The calculation takes into account all types of payments provided for by the remuneration system (salary, bonus, bonus, etc.), for which the employer accrued insurance premiums.
The salary for the previous 2 calendar years is divided into 730 days. But if your average earnings in the billing year exceed the limit set by the state, then everything that you earned in excess of this amount is not included in the calculation. For 2022, this limit is 1,032,000 rubles, for 2021 - 966,000 rubles.
For example, let's try to determine the maximum average daily earnings in accordance with the established limits (the maximum amount of payments, or PPV). In 2023, the formula for calculating payments for one day on sick leave is as follows:
(PVV for 2022 + IVV for 2021) / 730.
That is, (1,032,000 + 966,000) / 730 = 2736.9 rubles.
Thus, in 2023, for one day of incapacity for work, an employee with a maximum length of service (over 8 years of work) will be paid no more than 2,736.9 rubles.
The amount of average daily earnings received is multiplied by the number of days of disability and by a coefficient depending on the length of service (the same 60, 80 or 100% discussed above). 100% will be received by employees whose experience exceeds 8 years. The rest - in accordance with how long the employer transferred funds for them to the FSS until 2023 and the SFR in 2023 and beyond.
Now we consider the length of service, in order to then calculate the final amount of payments. To do this, simply add up all the periods of work in accordance with the entries in the work book. It does not matter if the experience was interrupted or not.
If over the past 2 years you have changed jobs or managed to work part-time, the amount of payments to you will be calculated according to the same scheme, but taking into account income from your previous job. Remember, when you left, your previous employer issued you a certificate of the amount of wages on which insurance premiums were accrued? Many confuse it with the 2-personal income tax certificate, however, when calculating the sick leave, the accountant will proceed precisely from the certificate of the amount of wages. So workers who receive a "gray" salary will once again be convinced of the benefits of fully taxable income.
For information, from 2023, the employer may not issue a certificate of the amount of payments upon dismissal. To obtain such information, your new employer will request this information from the FIS.
Why so few?
And yet, when sick leave is paid, many are perplexed: why so little? The amount is actually somewhat less than what came out according to the above calculations. What's the matter? In taxes. Sick pay, like any other, is subject to income tax. That is, another 13% will have to be deducted from the calculated amount.
And if for some reason in the last 2 years you have not worked or hardly worked, then the accountant and the SFR will calculate your sick leave based on the minimum wage (federal minimum wage) and take into account the district coefficient (if it is set in your region). The amount, of course, will be very small, but better than nothing.
True, there are categories of workers for whom an exception was made: if in the last 2 years preceding the onset of the disease, you were on maternity leave or parental leave, then you have the right to replace the calculated years. That is, to calculate your sick leave, wages for 2 calendar years before the onset of such holidays will be taken into account. To replace the calculated years, you will need to apply with the appropriate application to the employer.
Please note that since 2022, paper sick leave certificates are no longer issued in a polyclinic or hospital. Now disability certificates are issued in the form of an electronic document. You can ask the doctor to tell you your sick leave number, so that later you can transfer it to your employer or track it yourself, for example, at the State Services.
The FIS must find out about your sick leave and report it to your employer. However, it will not be superfluous to notify the employer about the sick leave, while stating its number. Knowing the sick leave number, the employer himself will find the necessary information in a special system.
Now temporary disability benefits are paid in installments: the employer pays the benefit for the first 3 days of sick leave, and the SFR directly for all other days. To do this, your employer will have to transfer the necessary information about you to the FIS. The allowance will go to the account that you indicate in your information (the employer asks you to provide such information, as a rule, when applying for a job or when an insured event occurs).
At home or at work?
What to do: take a sick leave or endure an illness on your feet without losing money, but earning complications and infecting colleagues? As you can easily see, the current rules will have little effect on the wages of people with average earnings in the country. And the opinion of doctors is unequivocal: serious diseases, which include, for example, the flu, are incompatible with labor exploits. So in case of illness, it is better to take a break. By issuing a sick leave and staying at home, you will save your colleagues from a possible infection and recover faster yourself. Superjob.ru sincerely wishes you that all this information remains pure theory for you and is not useful in practice.