Buy a "wage insurance" for small businesses. The small business wage arrears protection fund is an employee wage insurance system for small businesses, so some concepts must be clarified.
The definition of "small business" here is: an enterprise registered with the industrial and commercial administration department and with less than 300 employees.
Generally speaking, any small business in Shanghai should participate.
Of course, there are exceptions. There are two types of enterprises that are not allowed to participate for the time being: one is those that meet the standards for large and medium-sized enterprises in the "Interim Provisions on Small and Medium Enterprise Standards"; the other is municipal economic development zone management units.
"Wages in arrears" refers to the scope of protection, including: ① overdue wages payable by the enterprise; ② social insurance premiums that the enterprise has not paid in full.
"Guarantee" here is to explain the guarantee conditions.
The so-called wage arrears protection does not mean that if an employee or a group of employees is owed wages, they can immediately ask for advance payment.
Its advance payment (which can also be understood as "claim settlement") has certain application conditions.
Mainly refers to: 1. The enterprise enters the liquidation process due to going out of business or declaring bankruptcy, but the assets cannot be realized temporarily, or the assets are insufficient to pay back wages or social insurance premiums.
2. The legal representative (or operator) of the enterprise disappears and ceases operations, resulting in the same consequences as above.
Rights and Obligations of Contribution-paying Enterprises If a small enterprise wants to be protected by the wage arrears security fund system, its only obligation is to pay contributions.
It is paid once a year. In principle, it is one month's salary for an employee. The salary standard is the average monthly salary of employees in the city in the previous year.
Specifically introduced, it is divided into four standards, which can be called the new first level and the old third level.
For new first-tier employees and new enterprises, the contribution is 30% of the average salary.
The old third grade refers to old enterprises divided according to the number of workers. The first grade with less than 100 employees pays 60% of the average salary; those with 100-200 employees pay 80% of the average salary; those with 200-300 employees pay 100%.
If calculated based on this year's payment standards, the average monthly salary of employees in this city last year was 1,623 yuan.
A new enterprise, no matter how many employees it has, will only have to pay 486.9 yuan this year; the third-tier enterprise will pay 973.8 yuan, 1298.4 yuan and 1623 yuan respectively, all of which are included in the cost expense.
This is the company's "premium". Once you pay it, you can enjoy the protection.
Just like insurance in people's lives, of course they don't want accidents to happen.
But if an accident does occur that meets the conditions and scope of small business back wages protection, what rights can you enjoy?
1. The Security Fund Office will determine the amount of wages and social insurance premiums owed by the company in advance based on the number of employees under the company’s existing labor contract and the actual situation.
The maximum number of people shall not exceed 300 (because the number of people insured is not more than 300 in the first place), and the approved amount can be up to 6 months. The monthly wage standard paid in advance is determined according to the monthly minimum wage standard for employees in this city. The social insurance premium paid in advance (including
The payment base for the unit and individual contributions) is determined based on the city’s monthly minimum wage standards for employees, and the maximum payment is 6 months in advance.
If a small business with 300 people has paid a five-year security fund (approximately more than 7,000 yuan, based on this year's standards, the following calculation method is the same), then if an accident occurs five years later in the event of unpaid wages, how much will the security fund be paid in advance?
It’s about 960,000 in unpaid wages and less than 440,000 in unpaid fees, which is about 1.4 million. The “odds” are high enough.
A not-too-superfluous reminder that the establishment of a small business wage arrears protection system is an important measure taken by the municipal government to promote the healthy development of small businesses, smooth the channels for entry and exit of the small business market, protect the legitimate rights and interests of employees, and maintain social stability. It should be a thing that benefits the people.
A great thing for the people.
There is a small ready-made example.
A young lady surnamed Wu worked in a small company. After being owed eight months of wages, the legal representative suddenly fled.
So she went to court and the court ruled in her favor, but it could not be enforced.
Later, she accidentally saw a "Special Receipt for Wage Arrears Security Fund for Small Enterprises in Shanghai" in the account books.
I didn't know what was going on at first, but after consulting many parties, I found out that my company had paid the back wages security fund, so I went to the back wages office.
After verification by the office, she received back 3,210 yuan in back wages compensation.
However, we would like to remind job seekers that some small business owners and operators seem to have other agendas and are not very enthusiastic about participating in the "Small Business Arrears Wage Protection Fund", and some are trying every possible means to avoid it.
Facts have proven that the bigger this type of enterprise is, the greater the operational risks are.
Therefore, if an ordinary worker wants to avoid the unfortunate incident of working hard but getting nothing, please be sure to pay attention to whether the small business where you want to work has paid the "small business back wages protection fund."