there is a difference.

before October 1, 1996, the standard of compensation for work-related injuries was implemented in the Labor Insurance Regulations and the regulations designated by provinces, municipalities directly under the Central Government and autonomous regions. Basically, the employer was responsible for work-related injury insurance. The compensation standard is low, and there is no one-time disability subsidy, work-related injury medical subsidy and employment subsidy. Generally, it is a retirement that reimburses medical expenses, adjusts posts without reducing wages, and completely loses the ability to work. Only the funeral expenses and pensions of more than ten months' wages are paid for the dead, and the immediate family members who support them can enjoy regular pensions according to a certain proportion of the wages of the workers who died in work-related injuries.

On October 1st, 1996, the Ministry of Labor implemented the Trial Measures of Industrial Injury Insurance for Enterprise Employees, and the industrial injury insurance was implemented as a whole, which greatly improved the treatment of industrial injury insurance. Workers with work-related injuries have received a one-time disability subsidy, employment subsidies for the termination of labor relations, and death benefits have also been greatly improved.

In p>24, the Regulations on Work-related Injury Insurance in the State Council was implemented. Compared with the Trial Measures for Work-related Injury Insurance for Enterprise Employees issued by the Ministry of Labor, the biggest change was the abolition of the provision that workers with Grade I-IV injuries can retire, and the one-time medical subsidy for work-related injuries was increased when disabled workers terminated their labor relations. The standard of one-time disability subsidy was slightly changed. After the revision of the Regulations on Industrial Injury Insurance in December 21, the standard of gradual increase in the one-time market has been raised, and the compensation for the death of workers has been greatly increased.

Article 12 of the Regulations on Labor Insurance

Provisions on treatment of work-related injuries and disabilities:

A, workers and staff who are injured at work should be treated in the medical clinic, hospital or special hospital of the enterprise. If the enterprise's medical clinic, hospital or special hospital can't be treated, it should be transferred to other hospitals for treatment by the enterprise's administrative department or employer, and all the treatment expenses, medicine expenses, hospitalization expenses, meals and medical expenses during hospitalization should be borne by the enterprise's administrative department or employer. During the medical treatment, the salary will be paid as usual.

b, when workers and employees are determined to be disabled due to work-related injuries, they will be paid monthly work-related disability pension or work-related disability subsidy under the labor insurance fund according to the following circumstances.

1. If a person needs help in his daily life after he has completely lost his labor force and is unable to work and resign, the amount of work-related disability pension will be 75% of his salary, which will be paid until his death.

2. If a person is unable to work and resign after he has completely lost his labor force, and needs no help in his diet and daily life, the amount of his work-related disability pension will be 6% of his salary, which will be paid until he resumes his labor force or dies.

3. Some workers who are still able to lose their labor force should be given appropriate jobs by the enterprise administration or the employers, and the work-related disability allowance should be paid according to the degree of their loss of labor force after their disability, which is 5% to 2% of their salary before retirement or death, but the total amount with their salary when they return to work shall not exceed their salary before disability. Detailed measures are stipulated in the detailed rules for implementation.

Ministry of Labor

Trial Measures for Industrial Injury Insurance for Employees in Enterprises

Article 22 An employee whose work-related disability is identified as Grade I to Grade IV shall quit production and work, terminate the labor relationship with the enterprise, issue a certificate of industrial injury disability pension, and enjoy the following benefits:

(1) A monthly disability pension shall be paid at the standard of 9% to 75% of his salary. Among them: 9% for Grade I, 85% for Grade II, 8% for Grade III and 75% for Grade IV.

(2) grant a one-time disability allowance, which is equivalent to the salary of the disabled employee for 18 to 24 months. Among them: grade one is 24 months, grade two is 22 months, grade three is 2 months and grade four is 18 months.

(3) In case of illness, it shall be implemented according to the relevant provisions of medical insurance. If it is difficult to implement the part borne by individuals, it shall be subsidized by the industrial injury insurance fund as appropriate.

(4) in case of relocation, a resettlement allowance equivalent to six months of the average salary of employees in the province, autonomous region or municipality directly under the Central Government in the previous year shall be paid. Travel expenses, hotel expenses, baggage handling fees and food subsidies required for the trip shall be reimbursed according to the standards for business trips of employees of the unit.

article 23 if the work-related disability is identified as level 1 to level 4 and receives treatment according to the provisions of article 22 of these measures, the disability pension will continue to be paid by the industrial injury insurance fund when reaching the retirement age. If the disability pension is lower than the pension standard calculated and issued according to the provisions of the old-age insurance, the difference shall be made up by the industrial injury insurance fund according to the pension standard. At the same time, the social insurance agency shall transfer the personal contribution of the employee's personal account in the endowment insurance fund to the industrial injury insurance fund.

Article 24 If an employee's work-related disability is identified as Grade 5 to Grade 1, the enterprise shall, in principle, arrange appropriate work and enjoy the following benefits:

(1) A one-time disability allowance shall be paid according to the disability grade, and the standard is equivalent to six to sixteen months' salary of the disabled employee. Among them: 16 months for Grade Five, 14 months for Grade Six, 12 months for Grade Seven, 1 months for Grade Eight, 8 months for Grade Nine and 6 months for Grade Ten.

(2) When my salary is reduced due to disability, the unit where I work will give me an on-the-job disability allowance, with the standard of 9% of the salary reduction. When my skills are improved and my salary is promoted, the on-the-job disability allowance will be retained.

(3) If the recurrence of old injuries is confirmed to require treatment and rest, they shall enjoy medical treatment and work-related injury allowance in accordance with the provisions of these Measures.

(4) If the degree of disability is rated as Grade 5 and Grade 6 and it is difficult for the enterprise to arrange work, a monthly disability pension equivalent to 7% of my salary will be paid.

(5) If the degree of disability is rated as 7-1, and the employee is willing to find a job by himself with the consent of the enterprise, or if he chooses another job after the expiration of the labor contract, he can be given a one-time disability employment subsidy, and the specific standards shall be determined by the labor administrative departments of provinces, autonomous regions and municipalities directly under the Central Government according to the actual situation.

Article 25 If an employee dies on the job, he/she shall be given a funeral allowance, a pension for supporting relatives and a one-time death allowance in accordance with the following provisions:

(1) Funeral allowance shall be paid according to the standard of six months' average salary of employees in provinces, autonomous regions and municipalities directly under the Central Government in the previous year.

(2) The pension for dependent relatives is paid to the relatives of the deceased who provided the main source of livelihood before his death. The standard is: 4% of the average monthly salary of employees in the province, autonomous region and municipality directly under the Central Government is paid to the spouse every month, 3% to other dependent relatives, and 1% to the elderly or orphans. The total pension shall not exceed the salary of the deceased. The scope and conditions of dependent relatives shall be implemented in accordance with the existing relevant regulations, and the dependent relatives will no longer enjoy the pension when they lose their support conditions.

(3) One-time compensation for work-related death, the standard is the amount of the average salary of employees in the province, autonomous region or municipality directly under the Central Government for 48 to 6 months in the previous year, and the specific standard is determined by the provinces, autonomous regions and municipalities directly under the Central Government. In accordance with the provisions of article twenty-second of the death during the period of disability pension, a one-time work-related death grant shall be issued at 5% of the full standard.

Regulations on Work-related Injury Insurance (24 Edition)

Article 33 If an employee is identified as a first-class to fourth-class disability due to work-related disability, he/she will retain his/her labor relationship and quit his/her post, and enjoy the following benefits:

(1) Pay a one-time disability subsidy from the work-related injury insurance fund according to the disability level, with the standards as follows: 24 months' salary for the first-class disability and 22 months' salary for the second-class disability.

(2) Pay monthly disability allowance from the industrial injury insurance fund. The standard is: 9% of my salary for first-degree disability, 85% for second-degree disability, 8% for third-degree disability and 75% for fourth-degree disability. If the actual amount of disability allowance is lower than the local minimum wage standard, the industrial injury insurance fund will make up the difference;

(3) After the injured workers reach retirement age and go through retirement formalities, they will stop paying disability allowance and enjoy basic old-age insurance benefits. If the basic old-age insurance benefits are lower than the disability allowance, the industrial injury insurance fund will make up the difference.

if an employee's work-related disability is identified as level 1 to level 4 disability, the employer and the employee shall pay the basic medical insurance premium based on the disability allowance.

Article 34 Employees who are disabled at work and are identified as level 5 or level 6 are entitled to the following benefits:

(1) Pay a one-time disability subsidy from the industrial injury insurance fund according to the level of disability, with the standards as follows: level 5 disability is my salary for 16 months, and level 6 disability is my salary for 14 months;

(2) retain the labor relationship with the employer, and the employer will arrange appropriate work. If it is difficult to arrange a job, the employer will pay a monthly disability allowance. The standard is: 7% of my salary for level 5 disability and 6% of my salary for level 6 disability, and the employer will pay the social insurance premiums that should be paid for it according to the regulations. If the actual amount of disability allowance is lower than the local minimum wage, the employer shall make up the difference.

upon the employee's own proposal, the employee can dissolve or terminate the labor relationship with the employer, and the employer will pay the one-time medical subsidy for work-related injuries and disability employment subsidy. Specific standards shall be formulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.

Article 35 Employees who are identified as being disabled at level 7 to level 1 due to work-related injuries shall enjoy the following benefits:

(1) Pay a one-time disability subsidy from the industrial injury insurance fund according to the disability level, with the standards as follows: level 7 disability is 12 months, level 8 disability is 1 months, level 9 disability is 8 months and level 1 disability is 6 months;

(2) If the labor contract expires, or the employee himself proposes to terminate the labor contract, the employer shall pay a one-time work-related injury medical subsidy and disability employment subsidy. Specific standards shall be formulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.

Regulations on Work-related Injury Insurance (current)

Article 35 If an employee is identified as a first-class to fourth-class disability due to work-related disability, he/she will retain his/her labor relationship and quit his/her post, and enjoy the following benefits:

(1) Pay a one-time disability subsidy from the work-related injury insurance fund according to the level of disability, with the standards as follows: the first-class disability is 27 months, the second-class disability is 25 months, and the third-class disability is 25 months.

(2) Pay monthly disability allowance from the industrial injury insurance fund. The standard is: 9% of my salary for first-degree disability, 85% for second-degree disability, 8% for third-degree disability and 75% for fourth-degree disability. If the actual amount of disability allowance is lower than the local minimum wage standard, the work-related injury insurance fund will make up the difference < P > (3) After the workers with work-related injuries reach retirement age and go through retirement procedures, they will stop issuing disability allowance and enjoy the basic old-age insurance benefits in accordance with state regulations. If the basic old-age insurance benefits are lower than the disability allowance, the work-related injury insurance fund will make up the difference.

if an employee's work-related disability is identified as level 1 to level 4 disability, the employer and the employee shall pay the basic medical insurance premium based on the disability allowance.

Article 36 Employees who are disabled at work and are identified as level 5 or level 6 are entitled to the following benefits:

(1) Pay a one-time disability subsidy from the industrial injury insurance fund according to the level of disability, with the standards as follows: level 5 disability is my salary for 18 months, and level 6 disability is my salary for 16 months;

(2) retain the labor relationship with the employer, and the employer will arrange appropriate work. If it is difficult to arrange a job, the employer will pay a monthly disability allowance. The standard is: 7% of my salary for level 5 disability and 6% of my salary for level 6 disability, and the employer will pay the social insurance premiums that should be paid for it according to the regulations. If the actual amount of disability allowance is lower than the local minimum wage, the employer shall make up the difference.

upon the employee's own proposal, the employee can dissolve or terminate the labor relationship with the employer, and the work-related injury insurance fund will pay the one-time medical subsidy for work-related injuries, and the employer will pay the one-time disability employment subsidy. The specific standards of one-time medical subsidy for work-related injuries and one-time disability employment subsidy shall be formulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.

Article 37 Employees who are identified as being disabled at level 7 to level 1 due to work-related disability shall enjoy the following benefits:

(1) Pay a one-time disability subsidy from the industrial injury insurance fund according to the disability level, with the standards as follows: level 7 disability is 13 months, level 8 disability is 11 months, level 9 disability is 9 months, and level 1 disability is 7 months;

(2) If the labor or employment contract expires, or the employee himself proposes to terminate the labor or employment contract, the industrial injury insurance fund will pay the one-time medical subsidy for work-related injuries, and the employer will pay the one-time disability employment subsidy. The specific standards of one-time medical subsidy for work-related injuries and one-time disability employment subsidy shall be formulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.

Article 39 If an employee dies at work, his close relatives shall receive funeral subsidies, dependent relatives' pensions and one-time work-related death subsidies from the work-related injury insurance fund according to the following provisions:

(1) The funeral subsidies shall be the average monthly salary of the employees in the last year in the overall planning area for six months

(2) The dependent relatives' pensions shall be paid to the relatives who provided the main source of livelihood and were unable to work before the death of the employee. The standard is: 4% for spouse, 3% for other relatives, and 1% for the elderly or orphans. The sum of the approved pensions for dependent relatives should not be higher than the wages of employees who died at work. The specific scope of supporting relatives shall be stipulated by the administrative department of social insurance of the State Council < P > (3) The standard of one-time work-related death allowance is 2 times of the per capita disposable income of urban residents in the previous year.

if a disabled employee dies due to work-related injuries during the period of suspension with pay, his close relatives shall enjoy the treatment specified in the first paragraph of this article.

if a disabled worker of grade 1 to grade 4 dies after the expiration of the period of suspension with pay, his close relatives can enjoy the treatment stipulated in items (1) and (2) of the first paragraph of this article.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.