All the private sector workers They must have Law Life Insurance. This was detailed by the specialist in the issue of consumer and worker defense, Jaime Delgado. In addition, he explained what this important insurance covered by the Social Benefits Consolidation Law, approved in Legislative Decree No. 688, is about. In this note you will learn more about the responsibilities that the companies where you currently work must have.
How much money should the company where I work give me if I die?
This is one of the valid questions many people ask about a sudden death, which could come when you least expect it. Similarly, another question arises in those employees who are responsible for a family or those who live with their partner: what happens if I suffer an accident and die? Before these questions, there is the Law Life Insurance. Jaime Delgado explained that, if at any time the employee dies, the company where he works, through his insurance company, must make certain payments to the worker. Likewise, if he suffers any disabling act during his life, financial payment must also be provided.
Due to natural death: The worker must receive up to 16 remunerations insurable.
Due to accidental death: The collaborator must perceive 32 remunerations insurable. Likewise, if the worker is accidentally disabled from carrying out his duties, he must also receive the aforementioned amount.
Life Insurance Law: to whom should the payment be paid?
As stated by law, those who must receive payment for the Law Life Insurance They will be those that the collaborator recorded in his documentation. These can be the spouse, cohabitant or descendants. Furthermore, if there are no direct beneficiaries or debtors, previously stated, the payment must be made to the parents, siblings or minors under 18 years of age who are family members.
What is Life Insurance Law?
According to the SBS, the Law Life Insurance It is the one that your employer must hire from the beginning of the employment relationship, in accordance with the provisions of the Social Benefits Consolidation Law. This protection is mandatory for the private sector and provides protection 24 hours a day regardless of the activity you carry out.
What other labor rights should you have?
Every worker who joins the payroll from day one must have various labor rights, which are regulated in the Constitution of Peru.
- Household allowance: The worker must additionally receive 10% of his current minimum living wage, if he has children under 18 years of age, and even if he has children over 18 who are pursuing university or technical studies.
- Working hours: According to article 1 of Supreme Decree No. 007-2002-TR, there is a maximum of 48 hours of work per week.
- CTS payment and gratuity: The employer is obliged to pay the CTS: 1/6 of the worker’s computable remuneration. Likewise, the bonus must be assigned in the months of July and December.
Source: Larepublica
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