(A) the basic old-age insurance
Legal Features Basic old-age insurance has the same characteristics as social insurance, such as compulsion, mutual assistance and universality, and also has the following main characteristics: (1) Consistency between participation and treatment. (2) the appropriateness of the protection level. (3) Long-term enjoyment period.
The administrative department of social insurance, the main body of fund raising, is responsible for organization and management. Employers and individual workers (hereinafter referred to as "employees or individuals") undertake the obligation to pay endowment insurance premiums, and combine social pooling with individual accounts.
deal with
First, according to the provisions of the basic pension on a monthly basis until death.
B. enjoy the normal adjustment of the basic pension.
C. provide socialized management services for enterprise retirees.
D, death treatment:
(1) Funeral expenses: calculated and paid according to the three-month salary of social security in the whole province in the previous year (this is a retiree, 5000 yuan for retirees);
(2) One-time pension fee: calculated and paid according to the social wage of the whole province in the last year 10 month (this is a retiree, and the retiree is my 20-month salary);
(three) the living difficulties of the immediate family members who meet the support conditions shall be paid monthly until the immediate family members who support them die.
According to the relevant provisions of the state, the scope of basic old-age insurance includes state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises, private non-enterprise units and their employees (including farmers' contract workers), urban individual industrial and commercial households and freelancers. Employees include all individuals who have established labor relations with employers. Age requirements: before the age of 50 for men and before the age of 40 for women.
The employee enterprise pays 20%, and the employee bears 8%.
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(2) Basic medical insurance
Legal characteristics
1. Medical insurance benefits are paid in kind.
2. The compensation method of medical insurance benefits is non-fixed cost compensation.
3. Disease risk is inevitable, random and unpredictable.
4. Medical insurance has the characteristics of complicated relationship between all parties.
5. Medical service consumption is uncertain and passive.
6. The compensation period is short but the income time is long.
The basic medical insurance premium of the fundraiser is shared by the employer and individual employees, and paid by the employer and employees, and the city and county levels are co-ordinated. The basic medical insurance fund implements the principle of combining social pooling with individual accounts, and pays according to the policy.
Treatment Insured persons seek medical treatment in designated medical institutions, purchase medicines in designated medical institutions or retail pharmacies with prescriptions, and get reimbursement for emergency treatment, physical examination, vaccination and other prescribed items.
Issue qualification
The basic medical insurance is an insurance system formulated to ensure that employees and retirees get basic medical care and enjoy medical insurance benefits when they are sick, according to the relevant provisions of the state and the actual situation of insurance co-ordination areas.
The proportion of basic medical insurance payment is generally: 6% for employers and 2% for individual employees.
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(3) Unemployment insurance
The first legal feature is mandatory. That is, the state collects social insurance premiums from employers and individuals within the prescribed scope in the form prescribed by law. The payer must fulfill the payment obligation, otherwise it will constitute an illegal act and bear the corresponding legal responsibility. In other words, which units and personnel should pay fees and how to pay them are stipulated by the state, and units or individuals have no freedom to choose.
The second is free. That is, after the state collects social insurance premiums, it does not need to repay them, nor does it need to pay any price to the payer.
The third is fixity. That is, according to the needs of social insurance, the state stipulates in advance the object, base and proportion of social insurance premiums. At the time of collection, it will not be adjusted at will because of the specific situation of the payer. The quota is also reflected in the use of social insurance funds, which are earmarked for special purposes.
The most important treatment in unemployment insurance is unemployment insurance. Unemployed people can only enjoy other benefits during the period of receiving unemployment insurance benefits. In the unemployment insurance, Medicaid is the subsidy received by the unemployment insurance agency when the unemployed get sick and seek medical treatment. The standards are determined by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government, and generally include two parts: outpatient expenses paid together with unemployment insurance benefits and medical expenses reimbursed according to the prescribed proportion; If an unemployed person dies during the period of receiving unemployment insurance benefits, his family members may receive a one-time funeral subsidy and pension with reference to the provisions of local workers; Vocational training and job introduction subsidies are paid from the unemployment insurance fund to encourage and help the unemployed find jobs as soon as possible. Generally speaking, job introduction subsidies are paid to job introduction agencies, which introduce jobs for the unemployed free of charge, while vocational training subsidies are paid in different ways, some are paid directly to the unemployed, some are reimbursed after training, and some are subsidized to training institutions that train the unemployed.
Unemployed persons who have issued qualification certificates can enjoy unemployment insurance benefits if they meet the following conditions:
(1) Participate in unemployment insurance as required, and the unit and individual where they work have fulfilled their payment obligations as required for 1 year;
(2) Discontinue employment without my own will;
(3) Those who have registered for unemployment and have job requirements.
The unemployment insurance fund consists of the following items: 1, the unemployment insurance premium paid by the employer; 2. Unemployment insurance premiums paid by individual employees; 3. Interest of the unemployment insurance fund; 4. Unemployment insurance premium late fee; 5. Financial subsidies; 6, other funds into the unemployment insurance fund according to law.
The unemployment insurance payment ratio is: 2% for the employer and 0/%for the employee/kloc.
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(4) Industrial injury insurance
Legal characteristics 1. The scope of industrial injury insurance is that workers are in the process of productive labor. 2. The liability of industrial injury insurance is compensatory. 3. Work-related injury insurance implements the principle of no-fault liability. 4. Industrial injury insurance is different from endowment insurance. Workers do not pay insurance premiums, and all expenses are borne by the employer. The treatment of industrial injury insurance is relatively generous and the standard is relatively high, but it is different due to different industrial accidents.
6. As a kind of social welfare, the coverage of industrial injury insurance is richer than that of business accident insurance. In addition to accidental injuries at work, it also includes occupational disease reimbursement, acute sudden death insurance and funeral subsidies (work-related deaths).
Fundraisers get material help from the state and society.
Treatment employees who suffer from accidents or occupational diseases at work shall enjoy medical treatment for work-related injuries.
Workers with work-related injuries should seek medical treatment in medical institutions that have signed service agreements. In case of emergency, they can go to the nearest medical institution for first aid. Workers with work-related injuries may install artificial limbs, orthotics, artificial eyes, dentures and wheelchairs and other auxiliary devices due to their daily life or employment needs, and the required expenses shall be paid from the work-related injury insurance fund according to the standards stipulated by the state.
Submit the work-related injury identification decision of labor ability appraisal and the relevant materials of employee work-related injury medical treatment. Give compensation for work-related injuries according to the results.
form
The payment base of industrial injury insurance is generally determined according to the payment base of employee pension insurance, and the floating rate is implemented.
Take Nanchang as an example: the employer pays 0.4%-2.4%(** level 6), and the employees don't pay.
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(5) Maternity insurance
Legal features (1) The object of maternity insurance is mainly female employees, so the people who enjoy the treatment are relatively narrow. With the social progress and economic development, some areas allow spouses to take certain holidays to take care of their wives and pay holiday wages after female employees give birth; In some areas, financial assistance is provided to spouses of male employees.
(2) The conditions for enjoying treatment vary from country to country.
Maternity insurance is an insurance system formulated in accordance with relevant laws and regulations, combined with the actual situation of insurance co-ordination areas, to ensure that employees of enterprises get necessary economic compensation and medical security during maternity.
Maternity allowance,
Medical insurance maternity insurance112 q.
Maternity medical expenses, family planning operation expenses and other expenses stipulated by the state and this Municipality;
(1) Maternity allowance: Maternity allowance is the salary of female employees during maternity leave. If the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise. Maternity allowance is calculated according to the payment base of the month when female employees give birth divided by 30 and multiplied by the number of days of maternity leave.
(2) Employees who have participated in maternity insurance for a total of 1 year are still insured when they give birth (abortion) and enjoy maternity insurance benefits according to relevant regulations.
(three) maternity insurance benefits maternity allowance payment standard, based on the unified salary of the unit in which the child is born (abortion), calculated and paid in accordance with the provisions of the holiday:
Employees with permanent residence in this city who meet the conditions for participating in maternity insurance and foreigners with work residence permits in their cities.
Maternity insurance premiums are paid by enterprises on a monthly basis, and individuals do not pay them.
The payment ratio of Beijing maternity insurance is: enterprises pay maternity insurance premium according to 0.80% of the employee payment base;
The proportion of maternity insurance payment in Guangzhou is: enterprises pay maternity insurance premium according to 0.85% of the employee payment base.