The enterprises mentioned in the preceding paragraph refer to state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises. Article 3 Maternity insurance for enterprise employees shall be based on the principle of territoriality, and a maternity insurance fund shall be established. Article 4 The administrative department of labor security at or above the county level shall be in charge of maternity insurance for employees of enterprises within their respective administrative areas.
Social insurance fund agencies at or above the county level (hereinafter referred to as agencies) are responsible for the collection and socialized management of funds. Fifth financial, health, price, taxation and family planning administrative departments at all levels shall assist in the work related to maternity insurance. Article 6 Trade unions and women's federations at all levels shall supervise the implementation of these Provisions by the masses according to law. Seventh female workers who meet the conditions of family planning enjoy the following maternity insurance benefits, and the expenses are paid by the maternity insurance fund:
(a) female workers enjoy maternity leave in accordance with the relevant provisions of the state and the province. During maternity leave, my original salary will be paid as usual, and the maternity insurance fund will compensate the enterprise in the form of maternity allowance.
(2) Maternity medical expenses such as examination fees, delivery fees, operation fees, hospitalization fees in general wards and medical expenses that meet the prescribed items and standards.
During maternity leave, medical expenses incurred by female employees due to maternity diseases shall be paid by maternity insurance fund; Medical expenses after maternity leave shall be paid by the medical insurance fund in accordance with relevant regulations.
Expenses beyond the prescribed scope and standards (including drugs at their own expense) shall be borne by the employees themselves.
(3) Give a one-time nutritional subsidy to female employees who are eligible to enjoy maternity leave for more than 90 days as stipulated by the state, and the standard shall not be lower than 1% of the average annual salary of local employees in the previous year. Article 8 After the female employees of enterprises participating in maternity insurance are unemployed, and during the period of receiving unemployment benefits, maternity medical expenses and one-time nutrition subsidies shall be paid by the maternity insurance fund if they meet the family planning requirements.
Male employees who participate in maternity insurance, whose spouses are not included in the scope of maternity insurance for employees, cannot enjoy maternity-related treatment, shall be given a one-time compensation by the maternity insurance fund according to 50% of the standard of maternity medical expenses stipulated by the local government when meeting the family planning regulations. Article 9 If a female worker meets the requirements of family planning, after giving birth or having an abortion, she or the entrusted unit shall submit the birth certificate, the one-child certificate issued by the family planning administrative department or the certificate of compliance with the family planning policy, and the medical certificate of the birth of the newborn. The medical certificate of birth death or abortion and medical expenses issued by the prescribed reproductive health care institutions shall be submitted to the agency for reimbursement after being audited by the local labor and social security administrative department. Tenth maternity insurance fee collection, including collection management, supervision and inspection, punishment, in accordance with the provisions of the "Provisional Regulations on the Collection of Social Insurance Fees" in the State Council. Article 11 Maternity insurance premiums shall be drawn according to a certain proportion of the total wages of all employees of the enterprise in accordance with the principle of fixed income by expenditure and basic balance of income and expenditure. The extraction ratio of maternity insurance premium shall be calculated by the administrative department of labor and social security of the city and county according to the number of family planning, maternity allowance and maternity medical expenses, and shall be reported to the people's government at a higher level for approval and implementation after being audited by the people's government at the same level. The proportion of maternity insurance premium is generally 0.6%-0.8% of the total wages of enterprise employees, and the maximum shall not exceed 1%.
Maternity insurance funds shall be managed by financial accounts and two lines of revenue and expenditure, and shall be supervised by the financial department according to law. The audit department shall supervise the income and expenditure of the maternity insurance fund according to law. Article 12 If the wage income of employees in private enterprises cannot be determined, the maternity insurance premium paid by them shall be based on the local average wage of employees in the previous year and paid in accordance with the payment ratio uniformly stipulated by the local government. Thirteenth enterprises must pay maternity insurance premiums to agencies in accordance with the proportion stipulated by the government. Maternity insurance premiums paid by enterprises are included in enterprise management expenses. Self-employed workers do not pay maternity insurance premiums. Fourteenth poor enterprises to participate in maternity insurance, approved by the administrative department of labor and social security, within the prescribed time limit, can postpone the payment of maternity insurance premiums. Fifteenth maternity insurance fund deposited in the bank, according to the deposit rate stipulated by the people's Bank of China, the interest earned into the maternity insurance fund. Article 16 When an enterprise merges or goes bankrupt, it shall pay off the maternity insurance expenses it should bear in accordance with the relevant provisions of laws and regulations and pay them to the local agency in one lump sum. Article 17 If employees and their relatives falsely report or impersonate maternity insurance benefits, the administrative department of labor and social security shall recover all the amounts falsely reported or impersonated, and may impose a fine of 1000 yuan according to the seriousness of the case. Eighteenth employees who have doubts about their maternity insurance benefits can directly go to the enterprise or the agency to inquire. Workers and enterprises have labor disputes due to maternity insurance benefits, and may apply to the Labor Dispute Arbitration Committee for arbitration according to law; If you are not satisfied with the arbitration decision, you may bring a lawsuit to the people's court.