MAXIMO COTIZABLE ISSS 2016

MÁXIMO COTIZABLE AL INSTITUTO SALVADOREÑO DEL SEGURO SOCIAL, EL SALVADOR 2016

A partir del mes de agosto del 2015 el Instituto Salvadoreño del Seguro Social, hizo efectiva una de las propuestas que manejaba desde el año 2011, La cual consistía en implementar un mecanismo que le proporcionara una cantidad mayor de ingresos y que a su vez le permitiera poder subsanar su déficit presupuestario. EDUCACONTA, publico un pequeño análisis en el año 2012, donde se manejaban las tres alternativas.

Literalmente una de las propuestas que se manejaba en el 2011, decía de la siguiente manera
2ª. PROPUESTA

SUBIR TECHO
Esta consiste en elevar el tope del salario máximo cotizable

Esta propuesta tiene su lógica y en un momento dado bien podría aplicarse, ya que en su implementación el seguro social incrementaría sus ingresos en aquellos casos donde el empleado gane arriba del máximo cotizable actual; pero también tiene la obligación de responder a los empleados por este nuevo techo en casos de incapacidades u otros beneficios a que tiene derecho el afiliado.

BENEFICIOS DE LA MODIFICACIÓN 2015.
1- Se incrementa el pago de subsidio por incapacidades temporales. Ejemplo: Si usted ganaba $ 1,000.00 el ISSS le cancelaba por incapacidad del 75 % con base a $ 685.71. Es decir, se le otorgaba por un mes $ 514.28. Con la modificación realizada usted recibirá $ 750.00($ 1,000.00 x 75 %= $ 750.00)
Eso significa que estaría recibiendo $ 235.72 más mensuales, según Reglamento aplicado a partir del 1º de agosto de 2015.

2- Subsidio de maternidad por salario laborado. Si usted ganaba $ 1,000.00 el ISSS le otorgaba un subsidio de $ 685.71, con la modificación actual usted recibirá $ 1,000.00.
Si usted gana más, igual recibirá hasta $ 1,000.00, eso significa que recibirá hasta $ 314.29 más según Reglamento.

Calculemos la modificación para el trabajador y el patrono


La cobertura que tiene la institución del Seguro Social para el año 2014, que es uno de los beneficios que busca el incremento en las cotizaciones tanto del empleado como del empleador es la siguiente.


Análisis del incremento tomando en cuenta los años del 2011 al año 2014


Al hablar de cobertura vemos según los datos estadísticos del periodo 2011 al 2014, el incremento en la población total que tiene cobertura por parte del ISSS es de 105,232 personas aseguradas. En este sentido tenemos departamentos donde el incremento de la cobertura ascendió a % mayores del 100 % tal es el caso de Morazán, Cabañas, San Vicente, Usulután y el departamento de Chalatenango que casi alcanza el 200 % de incremento.

Pero en este dato hay algo que realmente preocupa y es que dos de los departamentos donde existe un mayor número de oportunidades laborales existen disminuciones significativas las cuales en total suman 225,175 personas aseguradas, entre cotizantes activos, pensionados y beneficiarios.

Otro de los beneficios que busca la medida implementada en el año 2015 es mejorar la infraestructura, para poder brindar una mejor atención medica hospitalaria y el ISSS dio a conocer cuál es su proyección en este sentido
En que se invertirá el dinero resultante del incremento de las cotizaciones:


En conclusión, podemos decir que el máximo cotizable para efectos de Seguro Social es de $ 1,000.00. y a ningún trabajador se le puede retener más de $ 30.00 y como consecuencia la empresa no puede aportar más de $ 75.00 por cada trabajador asegurado.

A manera de ejemplo veamos el siguiente detalle:


Bibliografía:
Anuario estadístico 2011-ISSS
Anuario estadístico 2014-ISSS
Sitio web de ISSS
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