Second, the relevant knowledge:
Five insurances and three funds are the collective name of the legitimate rights and interests of workers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, housing accumulation fund, wage arrears insurance and unemployment insurance for the disabled.
Its concept is as follows:
1. Old-age insurance: the full name of social basic old-age insurance is a kind of social insurance established by the state and society to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.
2. Medical insurance: it is an insurance to compensate medical expenses caused by diseases. Its purpose is to solve the problem of difficulty in seeing a doctor, reduce the pressure on the insured to see a doctor and avoid returning to poverty due to illness.
3. Unemployment insurance: a social security system enforced by national legislation to help workers get help from the state and society when they go to work, get income and lose their source of livelihood for reasons other than their own.
4. Work-related injury insurance: a kind of social insurance that provides medical treatment and necessary economic compensation to workers who suffer accidental injuries or occupational diseases in production and business activities, resulting in death, temporary or permanent loss of working ability.
5. Maternity insurance: a social security system that guarantees the basic life and basic medical services of female workers during pregnancy and childbirth.
6. Housing accumulation fund: long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
7. Wage protection fund: refers to the social and economic system in which the employer defaults on the wages of employees and the competent department advances a certain amount of wages to employees with the wage protection fund according to relevant regulations.
8. Unemployment insurance for the disabled: The system of applying for unemployment insurance for eligible disabled people aims to ensure their basic livelihood.
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