The "Notice" pointed out that the current maternity insurance system has problems such as uneven development among regions and excessive fund balance. According to preliminary calculation, by adjusting the rate, the state can reduce the burden on enterprises by 654.38+0.2 billion yuan a year. After the adjustment, the level of maternity insurance benefits will not be affected. With the development of national economy, maternity insurance benefits will be gradually improved.
The two ministries pointed out that a reasonable balance of the maternity insurance fund is equivalent to paying six to nine months' treatment. All localities should calculate according to the income and expenditure and balance of the fund in the previous year and the treatment items and standards stipulated by the state, and control the accumulated balance of the fund at a reasonable level by adjusting the rate on the premise of ensuring that the maternity insurance benefits are put in place. In the overall planning area where the accumulated balance of the maternity insurance fund exceeds 9 months, the rate of the maternity insurance fund should be adjusted to be lower than 0.5% of the total wages of the employees of the employer. The specific rate is determined according to the principle of "supporting fixed income and balance of payments" and the income and expenditure and balance of the maternity insurance fund in recent years.
The circular requires that the overall planning areas that reduce maternity insurance rates should adjust their budgets according to procedures and conduct fund monitoring every month. If the accumulated balance of the fund is less than 3 months, it is necessary to formulate an early warning plan to ensure that the insured employees enjoy maternity insurance benefits according to regulations.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.