CÓMO CALCULAR LA PRIMA DE RIESGO DE TRABAJO (PRT) | SEGURIDAD SOCIAL | CONTADOR CONTADO

Summary

This video guides viewers through the process of calculating the 'prima de riesgo de trabajo' (work risk premium) for companies, emphasizing the importance of accurate records for workplace accidents and illnesses. The calculation involves various factors, such as base salary, risk factors, and siniestralidad (accidents or illnesses). It highlights the significance of company size and activities, and how the new premium is adjusted based on the previous year’s performance. Practical examples are provided to illustrate the process, with a call to action for viewers to ask questions in the comments for further clarification.

Takeaways

• 😀 Understanding the importance of accurate calculation in work-related risks and sickness benefits is key for businesses.
• 😀 Proper risk assessment ensures companies calculate contributions correctly and avoid errors in payments for work-related injuries.
• 😀 Employers must know the distinctions between work-related accidents and illnesses to ensure accurate insurance and compensation calculations.
• 😀 Businesses need to have up-to-date information on work-related risks to make sure calculations are done properly and benefits are managed correctly.
• 😀 Companies, regardless of their size, should expect work-related accidents and must be prepared to manage risks and associated costs.
• 😀 Ensuring employees are classified correctly between work-related accidents and illnesses helps maintain clarity in benefit distributions.
• 😀 Incorrect classification of work-related incidents can lead to financial inaccuracies and penalties for the company.
• 😀 It's crucial for companies to provide timely and complete information regarding any workplace accidents to prevent complications.
• 😀 Having a clear understanding of the differences between regular sickness and work-related injuries helps avoid mistakes in calculating insurance benefits.
• 😀 Companies should keep detailed records and ensure all accident-related documents are correctly filed to facilitate the correct processing of benefits.

Q & A

What is the minimum premium in the context of work risks?

The minimum premium refers to the basic premium rate that companies must pay for employee insurance, regardless of the size of the business. This ensures that companies meet the minimum legal requirements for worker protection against work-related risks.

Why is it important to have up-to-date information on work risks?

Having current information on work risks is crucial to accurately calculate premiums and ensure that employees are properly covered. It helps companies stay compliant and avoid legal issues related to workplace safety.

How can a company calculate the right premium for work risks?

The correct premium is calculated based on the number of workers, the type of risks associated with their work, and the classification of the company according to the Mexican Social Security Institute (IMSS). This helps ensure that the premium corresponds accurately to the company’s risk profile.

What factors affect the classification of a company for work risks?

A company's classification for work risks is determined by its business activity and the specific risks associated with the tasks employees perform. This classification impacts the amount of the premium the company has to pay.

What role do incapacities play in the calculation of premiums for work risks?

Incapacities, whether due to illness or work-related risks, affect the calculation of work risk premiums. A company must differentiate between illnesses and work-related risks to ensure proper premium adjustment.

How does a company's size influence the calculation of premiums?

The size of the company, whether large or small, plays a role in premium calculation. However, regardless of size, the company must ensure that premiums are calculated according to the workers' risk classification and the correct data regarding employee risks.

What is the relationship between the risks of work and the workers' health?

The risks associated with a worker’s specific job can lead to health issues or injuries, which are factored into the premium calculations. The goal is to accurately assess and mitigate these risks to ensure workers’ safety and proper coverage.

Why should companies focus on both illnesses and work-related risks?

By focusing on both illnesses and work-related risks, companies can ensure that their workers are fully covered for all types of incapacities. Accurate classification of these risks helps determine the correct premium and comply with legal requirements.

What does the speaker suggest about the importance of clarity in the classification of work risks?

The speaker emphasizes that clarity in classifying work risks is essential. By correctly distinguishing between illnesses and work-related risks, companies can ensure they calculate the premium accurately, avoid penalties, and provide the right coverage for employees.

What should companies do if they have questions about work risk premiums?

The speaker encourages companies to leave any questions in the comments section, indicating that they are open to answering doubts and providing further clarification on work risk premium calculations.