Some employers offer new employees not to be legally hired and to pay “black salaries”. By accepting such a proposal, the employee may face a host of problems in the future.
Pensions and benefits for "black" wages
Companies are required to withhold personal income tax from the amount of official payments to employees, as well as pay contributions to the pension fund, social and health insurance funds from their own funds. Because of this, some employers do not want to formalize workers and pay them "black" wages.
The size of the future pension directly depends on the deductions from wages to the pension fund. Since the employer does not pay contributions from the "black" salary, the employee runs the risk of receiving a minimum pension in the future.
All benefits related to pregnancy, childbirth and childcare are calculated based on the average official wage for the last 2 calendar years. Also, the amount of sick leave is calculated on the basis of the "white" salary. If the company refuses to pay you the money you owe, you will not be able to apply either to the FSS or to the court, because legally, you are not an employee of the organization, and the employer does not bear any responsibility to you, because there will be no employment record in your labor office.
Salary certificates
Upon dismissal, the company is obliged to issue certificates of paid contributions to official employees. Based on these data, the new employer will pay the employee benefits and sick leave. If you received a "black" salary, you will not be given a certificate, and all amounts will be calculated at the new place of work in the minimum amount.
An unofficial employer will not be able to issue you a salary certificate and 2-NDFL. Therefore, serious banks will either deny you loans, or provide a loan at high interest rates.
If you are not legally an employee of the company and receive a salary "in an envelope", you will not be able to force the employer to comply with the provisions of the Labor Code. Accordingly, you may not be allowed on vacation, not paid vacation pay and compensation upon dismissal.
"Gray" salary
Some employers arrange employees officially, but offer them a "gray" salary. This means that a small part of the wages will be transferred "in white", and the rest will be issued "in an envelope". From the official part, the employer makes all the necessary contributions to the funds, but the amount of contributions turns out to be small, and in the future the employee's pension and benefits will be much less than they would have been with a “white” salary. Also, in the 2-NDFL certificate, only the official part of the salary is indicated, which may cause problems with banks.
