10월 예정된 정책 변경 및 혜택 개요

### 10월에 예정된 변경 사항: 새로운 정책 및 혜택
* 📅 **10월부터 새로운 유형의 자동 운전면허증 도입**과 **전산화된 보험금 청구 절차** 등 몇 가지 중요한 변경 사항이 시행됩니다.
* 🚗 **10월 20일부터 1종 자동 운전면허증이 신설**되어 신청자가 자동 면허증과 수동 면허증 중 선택할 수 있게 되어 트럭 운전자의 불편이 해소될 것입니다.
* 💻 **10월 25일부터 실손 보험의 디지털화된 청구 프로세스**를 통해 서류 제출이 간소화되어 병원에서 보험사에 직접 보험금을 청구할 수 있게 됩니다.
* 🧠 전국적으로 시행되는 정신건강 투자 지원 프로그램은 **10월 2일부터 온라인 신청**이 가능하며, 도움이 필요한 개인에게 **전문 심리 상담 바우처**를 제공합니다.
* 💉 무료 독감 예방 접종은 **10월 2일부터 어린이, 임산부, 노인을 대상으로 시작**되며, 연령대별로 구체적인 날짜를 확인해야 합니다.
* 🏡 젊은 신혼부부는 **10월부터 임대주택을 신청**할 수 있으며, **최대 10년간 대폭 할인된 임대료**로 공공임대주택에 거주할 수 있습니다.
* 💰 중소기업의 직원들은 **새로운 우대 저축 공제 혜택**을 통해 기업 보조금과 세제 혜택을 통해 불입액을 크게 늘릴 수 있습니다.
* 💵 자영업자는 중소 금융기관 대출금에 대해 **최대 150만 원까지 이자 환급**을 신청할 수 있으며, 신청 기간은 **10월 8일부터 12월 31일까지**입니다.

10월부터 새로운 정책을 통해 운전자, 건강보험 청구, 정신 건강 지원 서비스의 편의성이 향상됩니다.

Starting in October, many things will change, so please check the information carefully one by one. If there are any relevant circumstances for you, be sure to take advantage of them. Hello, this is Front Tiger. Many policies will change starting in October. First, let me mention the topic: a type of automatic driver's license will be newly established. Additionally, claiming health insurance has been very inconvenient, but now the insurance claims process will be computerized. Online applications for psychological counseling services will also begin in October. The dates for receiving free flu vaccinations are finally approaching, so please make sure to check those dates. If you are a young newlywed couple with a newborn, you can also apply for rental housing. If you work at a small to medium-sized enterprise, a preferential savings deduction will start in October, which means that when you deposit 30 million won, it can be increased to 4.27 million won through the preferential savings deduction. And for self-employed individuals...

If you have borrowed money from small and medium-sized financial institutions as a small business owner, you can receive interest refunds of up to 1.5 million won. First, let's talk about the driver's license. A new type of automatic driver's license will be introduced. Starting from October 20, a first-class automatic driver's license will be established. From now on, you can choose to apply for a first-class automatic license or opt for a first-class manual license. Most vehicles are equipped with automatic transmissions; however, there has been an inconvenience where you need to obtain a manual license to drive a truck. It was really inconvenient as you had no choice but to get a manual license. Therefore, the introduction of the automatic driver's license is a significant change. Until now, there has only been a second-class automatic license, but from now on, you will be able to obtain a first-class ordinary license by choosing between manual and automatic. This new first-class automatic driver's license will be available starting October 20, so those who need it should take note.

Please check the date and apply accordingly. The type of license determines the vehicles you can drive. A Class 1 general license allows you to drive all passenger cars. A Class 2 general license also allows you to drive all passenger cars, but for vans, Class 1 allows up to 15 passengers, while Class 2 allows up to 10 passengers. For cargo vehicles, Class 1 allows up to 12 tons, and Class 2 allows up to 4 tons. Special vehicles can be up to 10 tons or 3.5 tons, and construction machinery must be under 3 tons, which can only be driven with a Class 1 general license. As for motorcycles, all types are permissible. Therefore, depending on whether you will be driving with a Class 1 or Class 2 general license, you will need to acquire the appropriate license for the vehicle you intend to drive. Additionally, please be aware that a new Class 1 automatic driving license will be introduced. This will take effect from October 25th, when the digitization of claims for actual loss insurance will begin. Now, without needing various documents, claims can be processed directly through the system. Until now, to file an insurance claim...

After going back and forth between the hospital and the insurance company several times, it was really cumbersome. However, from now on, when a consumer requests it, hospitals will be able to directly send the insurance claim documents to the insurance company. This means that consumers will no longer have to go through the hassle of obtaining these documents, as they can be sent from the hospital to the insurance company with just one click. The insurance business law has been amended to facilitate this process. Under the current law, when claiming for actual loss insurance, consumers had to personally gather documents from hospitals and pharmacies and submit them directly to the insurance company. Now, if a consumer requests it, healthcare institutions, such as hospitals and pharmacies, will electronically transmit the actual loss insurance claim documents to the insurance company. This means that the documents will be sent directly from the computer. However, you need to check the details regarding the implementation date. Starting from October 25, 2024, hospitals will implement this process, while clinics and pharmacies will begin on October 25, 2025.

From October 25 of next year, it will take about another year for the insurance claims from the most frequently visited clinics and pharmacies to be processed. However, hospitals will start implementing this from October 25, so please remember this important detail. 

Another point is that the nationwide mental health investment support program service is now available for online applications starting from October 2. Previously, individuals had to visit their local administrative welfare center to apply for this service, but now they can conveniently apply online through the Welfare website or mobile app. 

The mental health investment support program service provides professional psychological counseling. Many people experience depression or anxiety, and those who need psychological counseling due to these emotional difficulties have been applying for this service. However, the inconvenience of having to visit the administrative welfare center to apply made it more difficult for many to even consider applying. Now, with the new online application process, it has become easier for them.

You can apply directly online. The content is that you will receive a voucher for psychological counseling from experts. You will receive this eight times, with each session lasting at least 50 minutes for one-on-one psychological counseling. The service cost is categorized into two levels: 80,000 won for level one and 70,000 won for level two per session. There may be no personal burden or a 30% co-payment for the service, so please check this part. 

The flu vaccination will begin. The free vaccination targets children aged 6 months to 13 years, specifically those born between January 1, 2011, and August 31, 2024. Pregnant women are also eligible for free vaccination, as well as seniors aged 65 and older, who were born before December 31, 1959. 

Children will require two vaccinations, starting from September 20 until April 30. The single vaccination for others will begin on October 2, and pregnant women can also start their vaccinations on October 2. The vaccination dates for seniors aged 65 and older will vary according to their age.

다르니까 반드시 체크하셔야 되는데, 75세 이상은 10월 11일부터, 70세에서 74세는 10월 15일부터, 65세에서 69세는 10월 18일부터 접종하는데 반드시 신분증을 지참해서 지정된 의료 기관이나 보건소를 방문하시면 됩니다. 어린이는 주민등록등본과 건강보험증, 임신부는 산모 수첩을 꼭 지참하셔야 합니다. 청년, 신혼부부, 신생아를 위한 매입 임대주택 신청이 시작됩니다. 매입 임대주택이라는 것은 공공 임대주택의 한 유형인데요, LH와 공공 주택 사업자가 신축하거나 매입해서 직접 공급해 드리는 주택입니다. 전세 사기 걱정 없이 장기간 저렴한 임대료로 거주할 수 있는데요, 시세의 30%에서 80% 임대료로 최대 10년 동안 거주할 수 있습니다. 무주택자인 미혼 청년, 신혼부부, 신생화 가구가 대상입니다. 자, 그렇지만 여러 가지 기준이 있기 때문에 확인하셔야 되는데요, 청년은 소득 기준 100% 이하입니다.

There are also standards for automobiles, which mostly amount to 345 million won. The automobile must be below 3,708 won. For housing types, young people can include things like officetels, while newlyweds and newly established households can include multi-family housing. The newlywed and newly established household Type 2 includes multi-family housing, apartments, and officetels. Young people are eligible for rent at 40 to 50% of the market price, while newlywed and newly established household Type 1 can access 30 to 40% of the market price. Type 2 households can access 70 to 80% of the market price. The maximum residence period for young people is 10 years, while newlywed and newly established Type 1 households can stay for 20 years, and Type 2 households can stay for up to 10 years. If they have children, they can stay for a maximum of 14 years. Those in need can apply on the Korea Housing and Urban Corporation's Cheongyak Plus website. For employees of small and medium enterprises, it is important to note that a preferential savings deduction for small and medium enterprise employees will be launched in October. If a worker at a small or medium enterprise contributes between 100,000 won and 500,000 won per month, the contribution amount...

This is about a corporate subsidy that corresponds to 20% and a preferential interest rate benefit of 1-2% from the partnered bank. If you contribute between 100,000 to 500,000 won monthly for a term of five years, you will receive a monthly installment in units of 10,000 won. Looking at the product structure, the employee's contribution will have an additional 20% corporate subsidy, along with a 1-2% preferential bank interest rate, and there will be tax benefits included. The income tax imposed on the corporate subsidy will be reduced by 50%, and young people can receive a 90% tax benefit. 

If we look at an example of the subscription amount, when contributing 100,000 won, the company provides an additional 20,000 won. Therefore, the actual amount contributed by the individual is 6 million won, but the total amount received will be 8.05 million won. For a contribution of 300,000 won, the company will support 60,000 won, leading to a total contribution of 18 million won and receiving 2.16 million won. If you contribute 500,000 won, the company will provide a support of 100,000 won, resulting in a total contribution of 30 million won and receiving 4.27 million won.

There are provisions for workers and business owners to negotiate the monthly payment amount, and the details of the agreement will be communicated by the Small and Medium Business Administration. You can visit the designated bank to enroll, and currently, IBK Industrial Bank and Hana Bank are the partner banks. The application for interest refunds for small and medium-sized enterprises will begin from October 8 to December 31. This is the application period for the fourth quarter interest refunds for small and medium-sized financial sector businesses. It is the last application period of the year, during which you can receive a refund of up to 1.5 million won for the interest paid over the year. The support targets include small and medium-sized financial institutions such as savings banks, NongHyup, Suhyup, credit unions, and cooperative banks, as well as credit card companies or capital companies that have provided business loans to individual entrepreneurs or small corporations at an interest rate between 5% and 7%. This applies to loans executed before December 31, 2023. You can receive support for a portion of the interest paid over the year.

The maximum amount is up to 1.5 million won. When applying, you can do so through the online application system of the Credit Information Center, or you can apply directly by visiting the financial institution you deal with. Today, I have summarized various benefits that can be received by applying for different policies that will change starting in October. A type of automatic driver's license will be newly established, and the claims for actual loss insurance have now been computerized for easier reference. Additionally, while it was difficult to apply for the National Heart Investment Support Project, it can now be done online. The dates for flu vaccinations vary slightly depending on age, so be sure to check the dates carefully and get vaccinated in advance, remembering that it is available for free. The project for young newlyweds and newly established households to rent or purchase homes without worrying about rental fraud will also begin, allowing them to use these homes at a low cost for an extended period.

Please make use of the newly launched preferential savings deduction for employees of small and medium-sized enterprises, which allows you to invest 30 million won and receive 4.27 won in return. Also, self-employed individuals and small business owners can apply for a refund of up to 1.5 million won, so please check and submit your applications. If you found today’s video to be somewhat helpful, I would appreciate it if you could subscribe and like this video.

10월부터 바뀌는 8가지 정책(노인•청년•직장인•자영업자) 150만원 지원금 外 "이것" 꼭 신청하세요!!!

알아두면 유익한 정책과 제도, 유망 직업과 전문 자격증, 은퇴, 은퇴후 자영업, 창업 및 재취업,  중장년 유튜브 등 나에게 힘이 되는 정보를 공유하는  채널입니다

궁금증 제보 및 문의 : yacomm333@naver.com

내편TV

10월에는 새로운 1종 자동 운전면허증이 도입되는 등 많은 정책이 변경됩니다.

건강보험 청구 절차가 전산화되고 심리 상담 서비스 온라인 신청이 시작됩니다.

또한 무료 독감 예방 접종, 젊은 신혼부부를 위한 임대주택 신청, 중소기업 근로자를 위한 소득공제 우대 혜택이 제공됩니다.

간소화된 보험 청구 및 정신 건강 지원

2024년 10월 25일부터 소비자의 요청에 따라 병원이 보험사에 보험금 청구 서류를 직접 발송할 수 있게 됩니다.

전문 심리 상담 바우처를 제공하는 정신건강 투자 지원 프로그램을 온라인으로 신청할 수 있게 됩니다.

어린이, 임산부, 노인을 대상으로 무료 독감 예방접종이 제공되며, 구체적인 접종일은 9월 20일과 10월 2일부터 시작됩니다.

백신 접종 및 주거 지원 이니셔티브

65세 이상의 코로나19 예방 접종은 10월 특정 날짜에 시작되며, 어린이와 임산부의 경우 신분증과 관련 서류가 필요합니다.

정부는 미혼 청년, 신혼 부부 및 신혼 가정을 위해 최대 10년간 시세의 30~80% 수준의 임대료로 공공 임대 주택을 제공하고 있습니다.

10월부터는 중소기업 근로자를 위한 주택청약종합저축 우대 공제 혜택이 추가 지원됩니다.

기업 보조금 및 우대 금리 혜택

기업 보조금은 5년간 매월 10만~50만 원 납입 시 20%와 1~2%의 우대금리를 제공합니다.

근로자 납입액에 기업 보조금과 세제 혜택이 더해져 소득세 50% 감면, 청년층 90% 세제 혜택이 제공됩니다.

이 프로그램에는 중소기업을 위한 이자 환급 신청도 포함되어 있으며, 다양한 금융 기관 및 기업 대출 제공 업체를 대상으로 지원합니다.

10월부터 시작되는 새로운 재정적 혜택 및 정책

온라인 또는 방문을 통해 다양한 신청을 통해 최대 150만 원까지 받을 수 있습니다.

운전면허증 자동 발급, 실손보험금 전산 청구, 국민내일채움공제 온라인 신청 등이 새롭게 추가되었습니다.

청년 신혼부부를 위한 주택 임차 또는 구입 지원, 중소기업 근로자를 위한 우대 저축 공제, 자영업자 및 소상공인을 위한 환급 등의 혜택이 추가되었습니다.