Bituach Leumi Take Two

June 26, 2008

As you know, it’s not what you know, it’s who you know.

To paraphrase, a different pakid can get you the information that you need in 10 minutes that another one couldn’t in an hour.

The last time I went to Bituach Leumi here in Maale Adumim, my number came up and I was steered to the noticeably younger of two pkidim. After the fact, I thought that I should have gone to the older one, assuming he would have been the more experienced, and therefore more able to understand my question and provide me with a satisfaqctory answer. That’s because the younger pakid seemed to have done neither. I walked away that day with a completely unclear task list, no answer to my question[s], a certainty that I would aim to be steered to the older pakid the next time, and a perhaps a subconscious decision to put off going back to Bituach Leumi for a long time.

Today I finally went back. I had to get some info about my father, and figured I might as well try to get the info I was looking for before and do the things I should do at the same time.

Well, the younger pakid wasn’t there today, but there was a younger pkida and an older pakid, probably he was the same one as the last time. I aimed at him and got him! But when I started explaining that I am an atzmai, he said “go to the pkida.” Oh well.

But, this time it was all for the best, because Ortal was very patient and helpful, and knows her stuff.

So, without further ado, here is what I learned!

1. You can either be an atzmai or not a atzmai.
2. If you are an atzmai, you either are an atzmai that is oneh lahagdara (fulfills the criteria) or is eino oneh lahagdara (doesn’t fulfill them). The only difference is whether or not you are covered in the anaf nifgaei avodah (department of work injury insurance).

1. I am an atzmai. (Remember, osek zair, patur, and mursheh are only relevant for VAT. For Mas Hachnasa, Bituach Leumi, and maybe others, there is no difference).
2. The hagdara/criteria:
A. works at least 20 hours a week, even if you make close to zero money.
B.  Works at least 12 hours a week and makes at least 15% of the average wage (about 1200 NIS a month).
C. Works at least an hour a month and makes at least 50% of the average wage (about 4000 NIS a month).
If you filfill one of these criteria, you will pay about 10% of your monthly net income, but no less than 148 NIS a month.
If you don’t fulfill any of these criteria, you are an atzmai she-eino oneh lahagdara, and you pay 141 NIS a month, a percentage of the average monthly salary (schar hamemutza bameshek).

I’m not sure what the work injury insurance actually covers, but 8 NIS a month sounds like a bargain, so I am going to declare that I work at least 20 hours a week. Chances are, I can aim and succeed in getting 1200 NIS a month, but I can also declare the 20 hours a week work clocking (websurfing and emailing = research and development of my business).

I will scan a copy of the form you have to fill out and comment on it and translate it. In the comments, we can discuss your situation and see if you should do differently from me!