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Social security rights to know

💡 Social Security Rights Administration Techniques: Get Continuous Treatment & Pensions Not Reduced!

For insured brothers, Section 33, who have reached the age of 55 and have submitted 180 contributions (15 years), many people worry that if they resign and apply for Section 39 to obtain medical treatment, will the average salary be reduced to a "shrinking pension"?

Today, there are three techniques to obtain both the right to maintain and maintain the pension. 👇

✅ 3 steps. Plan for the most value.

1️⃣ Resign Section 33: At the age of 55, immediately apply for a monthly "old age pension" as a "stop" or stop the last 60 months of high average salary base before 🛑

2️⃣ Pensions go first: During the months 1-5, after resigning, receive the pension into the regular account.

3️⃣ Apply for Section 39 within the 6th month: Before the expiration of 6 months, apply for Section 39 for further medical treatment (pay 432 baht per month). 🏥

😘 Note: When applying for M.39, the pension will pause, but the original base salary will already be saved.

🧐 Why are you doing this?

Applying for Section 39 immediately after leaving Section 33 without first completing a pension will cause the average salary base to be recalculated using the base of 4,800 baht of Section 39, which will greatly reduce the "future pension." Going into a pension first is a smarter technique. 📈

⚠️ More information.

❤️ Section 33: Accept and submit until the age of 60 (if exceeded, do not have to send M.33, but also cover the Compensation Fund).

💚 Section 39: Apply at any age, no limit to the maximum age, only have submitted to M.33 for not less than 12 months and apply within 6 months after resignation.

Hopefully this technique will benefit your retirement life planning! ✨

# Social Security # Section 33 # Section 39 # Old age pension # Medical treatment rights# Plan retirement # HRKnowledge

3/19 Edited to

... Read moreผู้ที่อยู่ในวัยเกษียณและกำลังวางแผนการใช้สิทธิประกันสังคมอาจพบว่าการบริหารจัดการสิทธิเป็นเรื่องซับซ้อน โดยเฉพาะกรณีที่พ้นจากสถานะผู้ประกันตนมาตรา 33 แล้วต้องสมัครมาตรา 39 เพื่อรักษาสิทธิรักษาพยาบาลต่อเนื่อง เรื่องนี้สำคัญมากเพราะมีผลกระทบโดยตรงต่อฐานเงินเดือนเฉลี่ยที่ใช้คำนวณเงินบำนาญ จากประสบการณ์ส่วนตัวและการสอบถามจากผู้รู้ในวงการ HR เทคนิคการรับเงินบำนาญทันทีหลังอายุครบ 55 ปีและส่งเงินครบ 180 งวด แล้วจึงสมัครมาตรา 39 ภายใน 6 เดือน ถือเป็นกลยุทธ์สำคัญที่ช่วยล็อคฐานเงินเดือนสูงสุดจากมาตรา 33 ไว้ได้อย่างปลอดภัย ทำให้เงินบำนาญที่จะได้รับในอนาคตไม่ลดลงหรือตกต่ำกว่าที่ควรจะเป็น นอกจากนี้ การสมัครมาตรา 39 ยังช่วยรักษาสิทธิการรักษาพยาบาลอย่างต่อเนื่อง โดยที่ผู้ประกันตนจะจ่ายสมทบเพียงเดือนละ 432 บาท ซึ่งถือว่าคุ้มค่าเมื่อเทียบกับการสูญเสียสิทธิการรักษา หากละเลยการสมัครตามขั้นตอนนี้ ความคุ้มครองด้านสุขภาพอาจขาดตอนและส่งผลกระทบต่อค่าใช้จ่ายทางการแพทย์ สิ่งที่ควรรู้ด้วยคือ ผู้ที่สมัครมาตรา 39 จะต้องเคยส่งเงินสมทบมาตรา 33 ไม่น้อยกว่า 12 เดือน และต้องไม่เกินกำหนด 6 เดือนหลังลาออกจากมาตรา 33 รวมไปถึงข้อจำกัดเรื่องอายุของการสมัครที่ไม่มีเพดานสูงสุด ซึ่งช่วยให้ผู้สูงอายุสามารถรักษาสิทธิได้สะดวก สำหรับคนที่อยู่ในวัยทำงานตอนปลาย หรือเริ่มวางแผนเกษียณ การทำความเข้าใจและวางแผนล่วงหน้าเกี่ยวกับสิทธิประกันสังคม เป็นเรื่องจำเป็นมาก เนื่องจากเงินบำนาญในอนาคตเป็นรายได้หลักหลังเกษียณ การพลาดขั้นตอนหรือไม่ใส่ใจในรายละเอียดอาจทำให้สูญเสียสิทธิประโยชน์ที่ควรจะได้รับไปอย่างน่าเสียดาย ดังนั้น ควรติดตามข่าวสารและมาตรการที่เกี่ยวข้องอย่างสม่ำเสมอ เพื่อประกันความมั่นคงทางการเงินและสุขภาพในระยะยาว และหากมีข้อสงสัย ควรปรึกษาผู้เชี่ยวชาญด้านประกันสังคมหรือฝ่ายบุคคลในที่ทำงาน เพื่อให้ได้คำแนะนำที่ถูกต้องและเหมาะสมกับสถานการณ์ของตนเองที่สุด

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