임금근로자의 고용보험 사각지대와 미가입 특성 분석

Abstract

The study aims to analyze the uninsured characteristics and blind spots of employment insurnce. Specifically, it analyzed the dynamic trends of the blind spot, and attempted to clarify the explanatory power of job characteristics in addition to the characteristics of the workplace and the individual as the cause of uninsured. Empirical analysis is carried out with Supplementary surveys of the Economically Active Population Survey by Employment Type microdata between 2011 and 2022. Empirical results indicate that the employment insurance blind spot has been steadily decreasing in the past 11 years, but the size of blind spots in small businesses with less than 5 employees and low-wage workers is still large. As the result of the regression through the linear probability model, the scale of the workplace and the wage gap significantly explain non-coverage, but the explanatory power of the occupational status is much higher. In other words, it is more closely related to the characteristics of workers within the business, such as occupational status and the application of personnel management regulations, rather than the scale of the workplace. These results suggest that efforts to resolve actual blind spots can be a means of alleviating actual blind spots in addition to providing subsidies, by considering the existence of personnel regulations and the reasons for the uninsured. However, these findings have the limitation that it is only a description of high correlation, not a causal relationship.