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KMID : 1124020140300020221
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Korean Social Security Studies
2014 Volume.30 No. 2 p.221 ~ p.246
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The Study on setting financial burden of Commuting Accident Compensation
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Yang Jae-Seong
Oh Soon-Bok
Lim Sung-Soo
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Abstract
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This paper aims to find the methods of setting financial burden and premium rates by anticipating the level of premium rate, resulting from introducing commuting accident compensation. The methods of financial burden and premium rate are analyzed, based on several foreign cases, and the level of premium rate is measured by reviewing the previous researches. First, if commuting accident is included in the current WCI or is introduced as similar system, all financial burden is attributed to businessmen, considering the present system. However, the legal responsibility is different from the occupation disaster, since commuting is not under the area of employers` management. Besides, if commuting accident compensation is introduced as a separate system, the method of distributing burden among businessmen, labors, the government, etc can be considered. Second, the study suggests the two methods to set the premium rate. One is set with business type as in Germany by adding commuting accident benefits to work-related ones but not including them in the individual premium rate of a workplace. The other is used in France, Japan, and is that the commuting accident benefits are separated with work-related ones but are added to the workplace`s premium rate. Third, by calculating the premium rate based on the expected expenses in 2013, the commuting accident can increase 2~2.5‰ of the premuim rate on average. But this estimation can be changed by the system designing and the extent of exercising the right to indemnity.
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KEYWORD
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Commuting Accident, Financial Burden, Premium Rate, The right to indemnity
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