近九成勞工 未參與勞退自提 - 薪水
By Hamiltion
at 2022-01-09T17:27
at 2022-01-09T17:27
Table of Contents
近九成勞工 未參與勞退自提
https://udn.com/news/story/7238/6019849
記者徐珮君/台北報導
上月中,勞保局才熱鬧宣告,截至去年10月,全台參加勞工自願提繳退休金(勞退自提)
的人數,達到81.8萬人,占全部提繳勞工退休金人數的11.29%,創歷年新高,顯示國人重
視退休保障。但同樣是這個數字,卻也反映出,還是有88.71%的勞工,不願參加勞退自提
退休金。
曾任勞動部次長的現任監察委員蘇麗瓊在去年11月中旬的一份調查報告顯示,勞退新制上
路15年,勞工自願提繳人數成長速度有限,偏好自提者,多為月提繳工資級距較高的中高
薪勞工,及中壯派勞工。反之,愈低薪、愈年輕勞工,自提興趣缺缺。
「都是低薪結構的問題!」全國金融業工會聯合總會祕書長韓仕賢表示,現在問題就是低
薪勞工普遍都是月薪3萬元以下,且以年輕人居多。就他所接觸的年輕人,幾乎都是「月
光族」,每個月能不透支就不錯了,也沒有多餘的錢自提退休金,更別想到遙遠的未來。
韓仕賢觀察,很多年輕低薪勞工對自願提撥的觀念是,這個錢是從薪水裡「被扣掉的」,
而不是自己為存退休金做準備,更何況存的錢是放到以後幾十年才能領,現在錢進去都「
只進不出」,「不少人連勞保費都不想繳了,想要從工會退出,更別說自提了」。
文化大學勞工暨人力資源學系教授李健鴻也提到,曾有實務研究,比較過去勞退舊制和現
在的新制,勞工退休後究竟哪種制度領得多?
李健鴻說,若以同樣25年退休年資勞工為例,「其實舊制的退休金領得多,新制的退休金
比較少,因此新制才會在雇主強制幫勞工每月薪資提存6%之外,鼓勵勞工自願提繳退休金
,這就是自提的緣由。」
李健鴻也建議,政府鼓勵勞工自提,應有更多的制度誘因,比如,每月自提6%的人,可以
比自提1%的人,享有較多的孳息;另一個做法,也可是,自提的時間越長,孳息也增加,
例如自提20年期的孳息,就是比10年期的孳息多,等於鼓勵勞工能夠越早自提越好,就可
為退休多儲蓄一點錢。
--
https://udn.com/news/story/7238/6019849
記者徐珮君/台北報導
上月中,勞保局才熱鬧宣告,截至去年10月,全台參加勞工自願提繳退休金(勞退自提)
的人數,達到81.8萬人,占全部提繳勞工退休金人數的11.29%,創歷年新高,顯示國人重
視退休保障。但同樣是這個數字,卻也反映出,還是有88.71%的勞工,不願參加勞退自提
退休金。
曾任勞動部次長的現任監察委員蘇麗瓊在去年11月中旬的一份調查報告顯示,勞退新制上
路15年,勞工自願提繳人數成長速度有限,偏好自提者,多為月提繳工資級距較高的中高
薪勞工,及中壯派勞工。反之,愈低薪、愈年輕勞工,自提興趣缺缺。
「都是低薪結構的問題!」全國金融業工會聯合總會祕書長韓仕賢表示,現在問題就是低
薪勞工普遍都是月薪3萬元以下,且以年輕人居多。就他所接觸的年輕人,幾乎都是「月
光族」,每個月能不透支就不錯了,也沒有多餘的錢自提退休金,更別想到遙遠的未來。
韓仕賢觀察,很多年輕低薪勞工對自願提撥的觀念是,這個錢是從薪水裡「被扣掉的」,
而不是自己為存退休金做準備,更何況存的錢是放到以後幾十年才能領,現在錢進去都「
只進不出」,「不少人連勞保費都不想繳了,想要從工會退出,更別說自提了」。
文化大學勞工暨人力資源學系教授李健鴻也提到,曾有實務研究,比較過去勞退舊制和現
在的新制,勞工退休後究竟哪種制度領得多?
李健鴻說,若以同樣25年退休年資勞工為例,「其實舊制的退休金領得多,新制的退休金
比較少,因此新制才會在雇主強制幫勞工每月薪資提存6%之外,鼓勵勞工自願提繳退休金
,這就是自提的緣由。」
李健鴻也建議,政府鼓勵勞工自提,應有更多的制度誘因,比如,每月自提6%的人,可以
比自提1%的人,享有較多的孳息;另一個做法,也可是,自提的時間越長,孳息也增加,
例如自提20年期的孳息,就是比10年期的孳息多,等於鼓勵勞工能夠越早自提越好,就可
為退休多儲蓄一點錢。
--
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