Wages and salaries of commercial insurance are used for wages and salaries of employees participating in work-related injury insurance. The new expenditure items include: medical expenses for work-related injuries, living care expenses, disability subsidies, disability allowances, assistive devices, restorative medical expenses, consolation money for supporting relatives, funeral subsidies, one-time work-related death subsidies, occupational disease appraisal fees and other expenses. The unified and exclusive industrial injury insurance plan is fully connected with personal social security, and a one-time disability employment subsidy is supplemented.
That is, after the employer pays the work-related injury insurance premium according to the regulations, regardless of whether the unit is injured or not, resulting in many work-related accidents in various regions and regions, the medical insurance fund should pay the corresponding work-related injury insurance compensation in accordance with relevant laws and regulations. In other words, according to the needs of the development of social security, China requires the basic principles of the payment object, payment base and interest rate of work-related injury insurance premium in advance. At the time of collection, it will not be adjusted arbitrarily because of the actual situation of the withholding agent.
What is industrial injury commercial insurance? Industrial injury insurance is a kind of insurance in social security, which belongs to one of the five major commercial insurances in China's social security. The key purpose is to ensure that employees who are injured by accidents or occupational hazards get medical and economic compensation, promote work-related injury prevention and vocational rehabilitation, and disperse the risk of work-related accidents in employers. Companies, institutions, mass organizations, private non-enterprise units, charitable foundations, law firms, accounting firms and other organizations and individual workers in China shall participate in work-related injury insurance in accordance with the requirements of the Regulations on Work-related Injury Insurance and pay work-related injury insurance premiums for all employees or employees of the company. All employees of the unit have the right to get compensation for work-related injury insurance in accordance with the relevant provisions of the Regulations on Work-related Injury Insurance. In the departments that pay work-related injury insurance premiums according to regulations, when employees have safety accidents or deaths, the relevant medical expenses and compensation expenses are paid by the work-related injury insurance fund; For departments that have not paid work-related injury insurance, all expenses incurred by employees after safety accidents or work-related deaths shall be compensated independently by some enterprises according to work-related injury insurance.
What is the industrial injury insurance fund? Work-related injury insurance fund is one of the social security funds that county-level social security institutions are responsible for. Its job responsibility is to undertake the supervision and operation of work-related injury insurance expenses and the payment of work-related injury insurance benefits. The sources of industrial injury insurance funds are divided into three aspects. First, the industrial injury insurance premium paid by the employer; The second is the interest of the industrial injury insurance fund; Third, many assets are included in the industrial injury insurance fund according to regulations. Work-related injury insurance is paid according to the deposit base issued by provincial and ministerial social security institutions, and the deposit ratio is clearly defined in different fields. Work-related injury insurance is paid by the unit, and the employees themselves do not pay work-related injury insurance, and the work-related injury insurance fund is co-ordinated at the provincial level. The industrial injury insurance fund is deposited in the financial special account of the social security fund, which is used to pay compensation for industrial injury insurance, occupational disease identification, industrial injury prevention publicity, study and training fees and other expenses stipulated in the Regulations on Industrial Injury Insurance, as well as miscellaneous fees applicable to industrial injury insurance as stipulated by laws, regulations and rules.