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Problem

Every month premium must be paid to the SZV on Sint Maarten for the health and accident insurance.

Cause

The employee is insured against loss of wages on the basis of the daily wage. The SZV considers as pay any benefit that an employee receives as compensation for his work. This includes future and variable fees such as commissions, tips, wages in kind, risk supplements, holiday pay, bonuses, bonuses, etc ..

The insurance is therefore based on an estimate of the average expected daily wage.

Solution

With the report "SZV Mutations" you register the employees and report any changes to the SZV daily wage.

By default, this report automatically estimate the SZV daily wage on the basis of the "Fixed wage components", or if the employee does not have a fixed salary, the "Hourly wage" is multiplied by the average number of work hours per day, plus any fixed wage components.

For example, if you entered that an employee works (on average) 8 hours a day, 5 days a week, then the premium is based on those 8 hours. Even if the employee worked less hours, it will not change the amount for which he is insured.

No (future) variable wage mutations are taken into account in the automatic calculation, as a result of which the insured wage loss may be a bit too low. For hourly employees, it is important that the estimated average number of working hours you entered on the "Wage" tab corresponds to actual hours worked.

If you wish, you can make your own manual estimate of the SZV daily wage and enter it on the employee's "Wages" tab. The program will then always use that manual SZV daily wage when calculating the premiums. The report "Employees information"> "SZV Daily Ware" can help you with this.

Wage for the SZV is any benefit in whatever form that the employee receives as compensation for his work for his employer, as well as third-party income, which affect the terms of the employment contract, except :

• compensation for performing overtime within the meaning of the Labor Regulations
• the wage supplement under Article 58 of the National Ordinance General Old Age Insurance and Article 52 of the National Ordinance General Widow and Welfare Insurance
• the social insurance premiums that are borne by the employer
• compensation above the normal wage for the temporary performance of other than normal work, which he is obliged to do with his employer pursuant to an employment contract
• reimbursement that is exceptionally granted for performing an above-the-ordinary job performance
• which is not included in the wage tax pursuant to Article 6, third paragraph, under d to h of the National Ordinance on payroll tax
• the mandatory contributions of the employer in savings funds
• benefits for training or study of the children
• bonuses for birthdays or official anniversaries
• cancellations of loans provided by the employer
• the financial benefits from low interest loans provided by the employer