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Wednesday, December 8, 2021

Uninsured divorced: Terms and pitfalls for in-kind health benefits

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Uninsured divorced spouses must meet three conditions in order to secure health benefits in kind from EOPYY, which they had at the time of the dissolution of the marriage.

According to a circular of the Ministry of Labor, the uninsured / divorced / spouse may retain the insurance right to sickness benefits in kind from the EOPPY. who had at the time of the dissolution of the marriage, in the institution, sector, branch or account that joined the EFKA, that the other spouse was insured for sickness benefits, provided that the following conditions are met:

a) the marriage was dissolved after the completion of the 25th year of age;
b) has no other right to direct or indirect insurance for sickness benefits from any insurance fund;
c) submit an application for retention of entitlement to sickness benefits in kind within one year from the date of issuance of the final divorce decision

ATTENTION:

-The insurance and the obligation to pay insurance contributions, starts from the date of submission of the application.

-To receive sickness benefits in kind, the divorced spouse pays a monthly insurance contribution for health care to e-EFKA at a rate of 6,45% of the amount corresponding to the respective basic salary of an unmarried employee.

Therefore, from 13.09.2017 until 31.01.2019 a monthly contribution is paid on the amount of € 586,08, from 01.02.2019 on the amount of € 650,00 and from 01.01.2022 on the amount of € 663,00.
-In case of late payment of the contribution, it is charged with the charges provided by the current legislation.

Stop - End

The termination / expiration of the optional insurance occurs:

By submitting a written statement from the beneficiary that he does not wish the insurance to continue. In this case, the termination or expiration of the insurance occurs from the first of the month following the submission of the application.
- by taking up a job or activity or acquiring the status of insurable in e-EFKA, which leads to direct insurance of the spouse or the possibility of insuring him as indirectly insured in another way or with the retirement of the spouse from e-EFKA or from another institution except e-EFKA, which provides access to health care
- with the death of the divorced
- by performing a marriage regardless of whether or not insurance coverage is provided for sickness benefits in kind, as the applicant is required to remain "divorced"

ATTENTION:

The loss of the right to continue the insurance occurs due to a delay in the payment of the monthly insurance contribution for more than two years (or the loss of the arrangement for the payment of the debt in installments beyond one month from the date it became due).

If the insured person becomes divorced again in the future from another marriage or cohabitation agreement and meets the requirements of the law, he / she can clearly become a beneficiary again. However, this is not a return to the previous optional insurance that he lost, but a re-application for inclusion in the regulation.

Dimitris Kostakos

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