1. How to calculate the amount of maternity insurance?
Maternity insurance = maternity living allowance+maternity medical expenses allowance
Among them, maternity allowance = payment base maternity leave time, maternity medical expenses subsidy is unified to 3000 yuan.
Everyone's payment base is different. There is an upper limit according to the medical insurance base paid. The upper limit seems to be more than 7300 a month, which is about 7300*4 at most. 5+3000 (medical subsidy).
The normal maternity leave time is 3 months, late childbirth (after 25 years old) 1 month, and caesarean section for half a month.
Second, maternity insurance benefits
Female employees of enterprises participating in maternity insurance shall enjoy the following maternity insurance policies if they give birth or have an abortion according to the family planning policy:
1, maternity leave
Female workers enjoy maternity leave in accordance with the relevant provisions of the state and the province. Maternity leave for female employees is 90 days, and caesarean section is increased by 15 days; If a female worker gives birth to multiple births, the maternity leave will be increased for each additional baby 15 days; If the child is born late, the maternity leave will be increased by 60 days. If a female employee is pregnant for less than 2 months and aborts, the maternity leave is 15 days; 2 months (including 2 months) of pregnancy and less than 4 months of abortion, maternity leave is 30 days; If you are pregnant for more than 4 months (including 4 months), the maternity leave is 42 days.
2. Maternity allowance
During the prescribed maternity leave, female employees enjoy maternity allowance, which is calculated according to the average salary base of the employees themselves in the previous year. The calculation formula is: maternity allowance = the average monthly salary base of employees in the previous year /30* maternity leave days.
3. Maternity medical expenses
How to reimburse maternity insurance requires us to implement quota management of maternity medical expenses. No matter how much maternity expenses actually occur during childbirth, the amount of medical expenses reimbursed is fixed. Its quota standard is: natural delivery 1200 yuan, caesarean section 3000 yuan; For those who have multiple births, the 200 yuan will be increased for each additional baby; Induced abortion 84 yuan, induced labor 252 yuan.
Third, how to handle maternity insurance for female employees
1, conditions for receiving maternity insurance benefits
Those who participate in maternity insurance and meet the requirements of the national family planning policy can enjoy maternity insurance benefits.
2. Application for maternity insurance benefits
How to reimburse maternity insurance needs to be that after the insured employees return to work after taking maternity leave, the unit where they work applies for maternity insurance benefits in the district insurance office. The original and photocopy of the family planning service manual (which should be numbered in the manual), the original and photocopy of the baby's birth medical certificate, the invoice of medical expenses, and the certificate of caesarean section issued by the hospital should be provided when applying. Abortion needs to provide the original and photocopy of the family planning service manual (which should include the service number), the diagnosis certificate, the outpatient medical record and the original medical expense invoice. After the female workers are discharged from the hospital, the medical expenses incurred due to diseases caused by childbirth shall be handled in accordance with the basic relevant provisions of urban workers.
I hope the above content can help you. Please consult a professional lawyer if you have any other questions.
Legal basis: Article 8 of the Special Provisions on Labor Protection for Female Workers.
Maternity allowance for female employees during maternity leave shall be paid by the maternity insurance fund according to the standard of the average monthly salary of employees in the previous year; Those who have not participated in maternity insurance shall be paid by the employer according to the wage standard of female employees before maternity leave. Medical expenses incurred by female workers in childbirth or abortion shall be paid by maternity insurance fund according to the items and standards stipulated in maternity insurance. Did not participate in maternity insurance, paid by the employer.