הסתכלות לטווח רחוק בביטוח לאומי מפיחה משמעות חדשה במושג "ביטוח" שבשם המוסד הוותיק.
ביום א' התפרסמה כתבה של מירב ארלוזרוב בדה-מרקר על ביטוח לאומי, הכתבה מאלפת. היא מספרת על ממשלת ישראל העושה מעשה שלא ישפיע בקדנציה הנוכחית, אלא רק בעוד עשרות שנים, ואם אכן יתקיים מה שכתוב – קצבאות הביטוח הלאומי יובטחו. מדובר על קצבאות ביטוח הלאומי כפי שהן היום, שאינן מאפשרות קיום בכבוד אם מסתכלים על הסכומים המשולמים לאנשים (למשל 1481 ש"ח קצבת זקנה לבודד).
בתוך הכתבה מסתתר נתון מדהים: “קרן העודפים אמורה לשמש את הביטוח הלאומי בעתיד, כשהיחס בין ההוצאות להכנסות שלו יורע. אלא שמעמדה כקרן עודפים אינו מובטח, מאחר שכיום משתמש האוצר בכספים המופקדים בקרן לתקציב השוטף. התוצאה בעייתית בשני היבטים: ראשית, הקרן בפועל ריקה, ואין בה נכסים שניתן יהיה למשוך בעת חרום (מצב כלכלי קשה במיוחד, המחייב תשלום קצבאות בסכומים גבוהים בהרבה משתוכנן). שנית, העובדה שהקרן היא חלק מתקציב המדינה, חושפת את הביטוח הלאומי ללחצים קצרי טווח של התקציב.”
המשמעות היא שכספים השייכים לביטוח לאומי, ומיועדים לביטוח אותו כל אזרחי מדינת ישראל משלמים משמש לפקידי האוצר כקופה קטנה. אח"כ אפשר גם לבוא ולומר שלמדינת ישראל אין מספיק כסף ולכן
צריך לקצץ בקצבאות כדי לממן צרכים אחרים בתקציב המדינה (כמו תקציב הביטחון). אף אחד לא מדבר על זה שהמוסד לביטוח לאומי אמור לעבוד כחברת ביטוח – אנחנו משלמים עבור מרכיבי ביטוח שונים ואמורים לקבל תמורה בעת הצורך. אין לנו את היכולת לבחור בחברה המבטחת ובתנאיה, ואין לנו שום השפעה כאשר המדינה מחליטה לשנות באופן חד צדדי את תנאי הביטוח (למשל הקשחת התנאים לקבלת דמי אבטלה).
אבל המצב במדינת ישראל הוא שהעודפים של הביטוח הלאומי משמשים את משרד האוצר, ורק עכשיו מתחיל דיון על הנושא.
במקורות היהודיים מדובר על כך שצדקה אוספים בשניים ומחלקים בשלושה, והדגש הוא על השקיפות אל מול הקהילה. כאשר משרד האוצר שולח את ידו הארוכה אל קרן העודפים של הביטוח הלאומי – הוא עושה זאת ללא שקיפות, ומתוך התעלמות מכך שיש לו חובה מוסרית לעמוד במחויבות שלו כלפי אזרחי מדינת ישראל ולהשתמש בכסף שנגבה עבור ביטוח לאומי למטרות שלמענן נאסף.
ראוי שלא לחגוג שינוי זה כהצלחה – אלא כהבאת הצדק אל מקומו.
ולמען הסר ספק – אני מאוד מקווה שהכסף הזה אכן יחזור לייעודו.
פורסם לראשונה ב"עבודה שחורה"
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