After a work-related injury, the Human Resources and Social Security Bureau (insurance company) only compensates for the expenses that should be paid by the work-related injury insurance fund. Some of the work-related injury insurance compensation benefits (such as wages during the layoff period) are compensated by the employer.
Legal basis: Article 38 of the "Social Insurance Law" The following expenses incurred due to work-related injuries shall be paid from the work-related injury insurance fund in accordance with national regulations: (1) Medical expenses and rehabilitation expenses for the treatment of work-related injuries; (2) Hospitalization meal subsidies; (
3) Transportation, food and accommodation expenses for medical treatment outside the coordinated area; (4) Costs required for installing and arranging assistive devices for the disabled; (5) Living care expenses confirmed by the Labor Capacity Appraisal Committee for those who cannot take care of themselves; (6) One-time
Disability subsidy and monthly disability subsidy received by disabled employees with grades one to four; (7) One-time medical subsidy that should be enjoyed when the labor contract is terminated or terminated; (8) If someone dies on the job, his or her survivors will receive it
Funeral allowance, dependent relative's pension and work-related death allowance; (9) Labor ability appraisal fee.
Article 39 The following expenses incurred due to work-related injuries shall be paid by the employer in accordance with national regulations: (1) wages and benefits during the treatment of work-related injuries; (2) monthly disability allowances received by level five and level six disabled employees; (
3) The one-time disability employment subsidy that should be enjoyed when the labor contract is terminated or terminated.
According to the law, employees must participate in work-related injury insurance. The unit shall pay the work-related injury insurance premiums, and individual employees shall not pay.
If an employee who has participated in work-related injury insurance has a work-related injury accident i, the work-related injury insurance fund and the unit will pay the employee's work-related injury insurance benefits (compensation) respectively; for those who have not participated in work-related injury insurance, the unit will pay compensation.
Work-related injury insurance is a compulsory social insurance and is undertaken by social insurance institutions and has nothing to do with insurance companies.
Therefore, there is no insurance company to compensate for work-related injuries.
Article 39: The following expenses incurred due to work-related injuries shall be paid by the employer in accordance with national regulations: (1) wages and benefits during the treatment of work-related injuries; (2) monthly disability allowances received by level five and level six disabled employees;
(3) The one-time disability employment subsidy that should be enjoyed when the labor contract is terminated or terminated.