In Colombia there is a company on professional risks that is created with the purpose of covering, as its name indicates, occupational risks; Here we are going to explain how the positive ARL affiliation is done in Colombia, in a safe, fast, simple and clear way. We invite you to discover more on the subject.
Positive ARL affiliation
The positive ARL affiliation or also called Professional Risk Administrator, had its origin through Decree number 1295. Later in 2012, with the enactment of Law 1562, the name was changed to ARL, which according to the acronym means Occupational Risk Administrator.
The positive ARL affiliation is also about an institution that is in charge of granting social insurance, especially regarding the aspect of occupational risks in the neighboring country of Colombia.
Due to the fact of being a labor-type insurer, it must also subsidize and offer the necessary medical and economic services to people who may suffer any type of accident within the work area, as well as the economic means to the companies that are attached. to such insurance company.
That said, we must understand that the positive Labor Risk Administrator is an insurance company that is mainly focused on some people who have contracts with companies in public or private companies and who have high risks in the labor area.
In this way, said company takes care of people who suffer from work accidents, granting them necessary and sufficient medical services and ensuring that they have easy access to health companies in general.
Requirements for positive ARL affiliation
In order to obtain a positive ARL affiliation certificate, all applicants must meet certain mandatory parameters or requirements. On the contrary, they will not gain entry to the insurance company. Among these requirements we can mention the following:
Interested parties must register one month in advance.
They will have a formal contract with a company or institution, whether public or private, with a duration of more than one month.
A positive ARL enrollment form must be submitted.
The economic income must not exceed twenty-five salaries nor will it be less than a minimum salary.
The payments that correspond to the positive ARL affiliation must be fulfilled, on the contrary, it will be necessary to suspend it.
You must also be affiliated with the general health insurance system.
Once the interested party has joined, they must wait at least two months to obtain the ARL card. The necessary requirements must be met, since without them no positive ARL affiliation can be carried out correctly. Coverage will begin the next day after completing the enrollment process.
Steps to join
In relation to this title, we must indicate to the reader each of the steps that must be followed in order to carry out the due process of positive ARL affiliation, quickly, simply and positively, all so that said procedure is of utmost importance. facility for all workers.
Step 1: as a first step, you must enter the official website of the positive ARL.
Step 2: After entering the page, you must select the option called "online services". When we click, different options will be given additionally. You must choose the option called “ARL procedures and services”.
Step 3: Subsequently, the affiliation of the workers can be carried out, without it being necessary for them to be independent or dependent. In the event that it is desired to enroll a greater number of workers at the same time, the option called "massive entry of workers" will be selected.
It should be borne in mind that said form must be filled out in different ways, and will depend on the type of worker who is going to join, whether dependent or independent.
It is important that after affiliation you are aware of the amount of time since you will have to wait for the card two months after being affiliated. The card is an essential requirement in the event of an emergency, in the same way as the certificate. It is used to verify the status of affiliate to the positive ARL in the data that is kept in the company's system. Once the person is affiliated, it is much easier to affiliate family members if the card holder requires it.
What is the certificate for and how to download it?
Such positive ARL certificate will be issued only by the Colombian insurance company, it can be downloaded by directly accessing the App of the website, which we already mentioned before. The certificate will help and manages to give a positive amount of benefits.
When the person already has a positive ARL affiliation, it becomes much easier and simpler to enter medical or health services throughout the country when there are a variety of emergencies, apart from the documents requested by the company, they are kept up to date. constant.
Once you enter the page, you can select the option to generate the worker's certificate. Only the data requested must be entered and we will be able to obtain the certificate.
This certificate is especially useful for the proper authorities so that they proceed to verify in an easy and simple way if one is correctly affiliated with the company or not, for this they will enter the name in the data system that is kept by the ARL.
Who can apply for the positive ARL affiliation certificate?
In this case we must say that all workers can do it, whether they are dependent or independent, they have the right to request the positive ARL certificate. In the case of independent workers, they must have an employment contract for more than one month.
People who join the positive ARL will have to make a contribution of at least 0.522% of contributions. The amount will depend on the type of risk of accidents that may arise in workers and the work environment. When you think and want to make a greater contribution, the percentage of contributions can be made up to 6.960%.
Obligations of the contracting party
Contracting parties must meet certain requirements when proceeding with the positive ARL affiliation process. Among these requirements we can mention the following in order for the reader to keep them in mind:
The affiliation of the contractor will be canceled by the contracting party.
They have to include at the level of all prevention activities, occupational health, promotion of the independent worker who is confronted with the dependent type.
The report must be made to the ARL in the case of an occupational accident, provided that the worker's contract is still valid.
If the contractor does not comply with the type of responsibilities that we have determined, he may be reported and suffer legal consequences at work.
Contractor Obligations
When it comes to the contractor, a number of obligations must be fulfilled, in the same way as the contractor. Among the obligations that we have mentioned for the purposes described we have the following:
The payment of contributions in case of an emergency or labor risk, will be provided by the contractor. Compliance with the rules and regulations established through the occupational health and safety management system SG-SST of the company where you work.
Frequent attendance at prevention programs and promotions in the company. The contractor must be given truthful information about any event that may occur during the execution and development of the employment contract.
Benefits of the positive ARL affiliation certificate
This positive ARL affiliation manages to provide a number of benefits in the workplace such as the daily environment. As an important detail, the insurance company will cover the insurance of work risks. Therefore, if you have any type of work accident, the insurance will ensure the health and safety of the insured.
In the event that you suffer from any illness, the ARL may cover the expenses for surgery services, hospitalization services, pharmacy and therapeutic services, among others. In addition to the above, the company will increase the benefits that we mention below if it is unavoidably necessary, namely:
Survivors pension.
Disability pension.
Partial permanent disability
Temporary disability.
Funeral support services.
In the case of deaths that are caused by work accidents, the legal beneficiaries will obtain the right to a survivor's pension of seventy-five percent of the income in relation to the settlement.
If you are an independent or dependent worker, it is recommended that you join the positive ARL as soon as possible, and you should also join your family members; all this in order to prevent the occurrence of an accident or the occurrence of a physical or psychological illness, and in this way they can count on affordable and quality medical services in the pensions that we have already mentioned above.
Affiliation is a way of guaranteeing and comforting both the insured person and all of their relatives, and avoids inconveniences later on.
Online support
In relation to this topic, it can be said that the online support of the positive ARL company is a model that works with the purpose of attending to any questions that arise at the time of affiliation of a new worker, or when a request is generated. new certificate.
Likewise, for this type of doubt and concern, there are telephone numbers that the same company places at the service of affiliates and users in order to clear up all the doubts that may arise. It also has email addresses that easily through these the affiliate itself has the company's authorities which will answer any questions in real time and quickly.
Conclusion
As the reader can see, the topic that has been developed in this article is usually of great interest since it deals with the option of affiliation to insurance through the positive ARL company, in Colombia. However, these types of insurance companies exist worldwide.
Being its main objective to give and protect security to members at the time that work accidents may occur, although it also offers the possibility of other types of services such as surgeries, psychological care, among others.
This topic currently represents an important point since workers often feel alone and dispossessed in the face of accidents that can occur in any area in which they carry out their work.
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