勞保「薪」酸… 中高齡失業寧打零工

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憂一次請領給付縮水 不願低薪加保

〔記者洪素卿／台北報導〕金融海嘯造成失業人口大增，不少工作十五年以上的資深勞工，也難敵景氣而遭到資遣。這批資深勞工失業後，不容易找到與原職薪資相當的工作機會。部分人為了避免年資滿二十五年即可一次請領的勞保老年給付金額縮水，寧可放棄再當白領上班族，而以打零工、開計程車討生活。

今年四十五歲的小李，一年多前遭到工作十九年的公司資遣。在公司任職課長的他沒想到會丟了工作。且領完了六個月的失業給付，又報名上職訓班、領了三個月的津貼，工作還是沒著落。好不容易遇到肯用的公司，薪水也只願意給到兩萬多。小李無奈表示，薪水低影響的不只現在的收入，原本幾年後就可領的勞保給付縮水超過六十萬。所以寧可勞保繼續掛在原公司，暫先開計程車為生。

勞務士協會理事長張凱翔解釋，依據勞工保險條例第九條之一的規定，勞工參加勞保年資滿十五年，若遭到資遣，因為是屬於非自願離職，可掛在原公司繼續參加勞保，一直保到符合請領老年給付為止。

這其中有些人雖然可以找到工作，但由於薪水通常不高，甚至只有基本工資，考慮勞保老年給付一次領取的計算基準是以退保近三年的平均投保薪資計算，一旦新公司以低薪幫他們投保後，可以領的老年給付馬上大打折扣，所以很多勞工都寧願新公司不要幫他加保。

張凱翔說，繼續掛在原公司加保，勞工要自負八成保費；在一般公司加保，勞工只要付兩成，若非為了以較高的薪資領老年給付，誰會願意在原公司掛保？

根據勞保局最新一期的年報統計資料，像小李這類「被裁減資遣而自願繼續加保」的勞保人口，到九十八年底止，總共有三萬九千九百六十二人。比去年增加將近一萬人，相較於過去每年新增幅度不過兩千人上下，去年增加的幅度幾乎是往年的五倍以上。

台灣勞工陣線協會秘書長孫友聯表示，這兩年真的有不少中高齡勞工打電話來問，雖然苦口婆心勸他們等年滿六十歲再領勞保年金月退金比較划算，但很多人回應說：「都已經借錢在繳房貸了，就算不划算，也要設法先把勞保老年給付領出來。」

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