Settlement of debts to the EFKA with an installment smaller than the contribution

By Kostas Katikos

Freelancers, and even those who choose the setting of 24 doses they will pay monthly installment lower than their normal contribution. Those who leave all contributions unpaid and put them in 12 doses they will pay up to 20 euros more than if they paid the contributions on time.

In any case, the two permanent arrangements of debts to the EFKA provide the flexibility of payments at a later time and in installments smaller than the normal contributions. In this way, those professionals who want to, but plead inability to pay their monthly dues, can use the arrangements to include either the whole year’s dues or the unpaid dues of a few months. In practice, the permanent arrangements of EFKA facilitate those with little debtwhich can pay them in arrears with successive fixed arrangements.

The mechanism of 12 or 24 doses works in such a way that professionals to be able to postpone the payment of their contributions every two monthsputting them in a permanent setting.

For example, according to mathematical formula for calculating doses for the arrangements of debts to the EFKA that he has owned by Capital.gr:

1. Professional who is in the 1st insurance category for 2024 and left his contributions unpaid first two months can settle them by application in April, which will have become overdue. The total debt for the two months is 496 euros, including interest the amount to be settled amounts to 511 euros. Choosing the 12 installmentswill pay the minimum amount of 50 euros per month. He can do the same if he leaves unpaid the contributions of the next or even the following two months. Attention: In order not to lose the arrangement, the current contributions must be paid, but they become overdue the following month from the end of their normal payment period. This means that every two months the setting of 12 installments can be activated, facilitating the payment of contributions with one, two or even three 12-point settings and with a minimum installment of 50 euros per month for each.

2. Professional who is in the 6th insurance company category for 2024 with a monthly contribution of 652 euros, if he has no other debts and leaves all contributions for 2024 unpaid, he has the possibility to set in February 2025because then the contribution of December 2024 will also have become overdue. The total debt will be 7,825 euros and, if he settles them in 12 installments, he will pay 672 euros per month, while with 24 installments he will pay 345 euros per month. In practice, he pays the monthly contribution of 652 euros in 24 installments with half the money each month (345 euros). The cost he will have from the arrangement is the interest, which for the 24 installments comes to 456 euros, while for the 12 installments it is 235 euros.

3. Doctor who pays the 3rd category contribution, for main pension and lump sum, pays from 1/1/2024 a total of 394.56 euros per month. If he leaves contributions unpaid throughout 2024, he will create a debt of 4,735 euros, which he can settle in 12 to 24 installments. In the first option (12 installments) he will pay a monthly installment of 406 euros, while with the arrangement of 24 installments the monthly installment for his contributions comes to 209 euros.

4. Lawyer who pays the 3rd category contribution, for main pension, for auxiliary and for lump sum, pays from 1/1/2024 a total of 458.09 euros per month. If he leaves the 2024 contributions unpaid, he will create a debt of 5,497 euros, which he can settle next December. If he chooses the 12 installments, he will pay a monthly installment of 472 euros, while with the arrangement of 24 doses the monthly installment for his contributions comes out to 242 euros.

5. New lawyer, in his 3rd year, pays the contribution of the special category which is 163 euros per month. Together with auxiliary and one-off it comes to 237 euros. If he leaves contributions unpaid throughout 2024, he will create a debt of 2,844 euros, which he can settle with 12 installments paying a monthly installment of 244 euros or with 24 installments paying 125 euros per month.

They do not revive old arrangements in EFKA

The way out provided by the two permanent arrangements for settling debts is one of the reasons that neither EFKA nor the Ministry of Labor is examining the revival of older arrangements, as was done with the lost arrangements of the tax office. If the old arrangements at the Funds were revived, few debtors would be able to respond, as, to rejoin, they would have to pay all the installments they missed. On the contrary, if one sees the figures of the KEAO, one will find out that 500,000 debtors benefited from the 12 and 24 installments, while another 450,000 abandoned them.