The difference between unemployment insurance and unemployment benefits is mainly reflected in the differences in conditions, standards and time. Generally speaking, only employees who have paid social security for more than one year can receive unemployment insurance. There is no such restriction on receiving unemployment benefits.

1. What's the difference between unemployment insurance and unemployment benefits?

Different reception conditions

1, the unemployed who meet the following conditions can receive unemployment benefits.

(1) Unemployed persons who are unemployed after receiving unemployment insurance (subject to the social insurance premium paid by the employer);

(2) Unemployed persons whose insurance contributions are less than 1 year or over 1 year, and whose labor contracts are terminated due to their own reasons.

2. Unemployed persons in unemployment insurance benefits who meet the following conditions can receive unemployment insurance benefits:

(1) has participated in unemployment insurance as required, and the employer and I have fulfilled the payment obligations as required for 1 year;

(2) Termination of employment against my will;

(3) Those who have registered for unemployment and have job requirements.

(2) Different collection standards.

1, unemployment benefits. Upon my application, I can apply for unemployment benefits for 6 months, and the standard is 80% of the local unemployment insurance standard.

2. Unemployment insurance benefits Unemployment insurance benefits are calculated and paid according to 90% of the minimum wage in the area where the unemployed are located.

(3) Different collection time

1, unemployment benefits. Upon my application, I can apply for unemployment benefits for six months.

2. Unemployment insurance The time limit for the unemployed to receive unemployment insurance benefits is determined according to the accumulated payment time of the unemployed before unemployment, and the longest period shall not exceed 24 months.

Different treatment

1, unemployment benefits Unemployment benefits are paid monthly and charged in the "other expenses" subject of the unemployment insurance fund. Do not enjoy unemployment insurance, payment of basic medical insurance, funeral expenses and pensions during the collection period.

2. During the period of receiving unemployment insurance benefits, the unemployed in unemployment insurance benefits also enjoy medical insurance benefits for employees. Maternity allowance, funeral allowance, one-time pension, entrepreneurship allowance, one-time treatment of unemployed people, heating allowance, etc.

Proof materials required for receiving unemployment insurance benefits: The following proof materials are required for receiving unemployment insurance benefits:

(1) my identity certificate (household registration book, ID card, one-inch photo);

(2) The certificate of termination or rescission of the labor contract issued by the unit;

(3) unemployment registration and job search certificate;

(4) Other materials stipulated by the administrative department of labor security.

Legal basis:

"Social Insurance Law" Article 51 During the period of receiving unemployment insurance benefits, unemployed persons will stop receiving unemployment insurance benefits and enjoy other unemployment insurance benefits in any of the following circumstances:

(1) Re-employment;

(2) Those who should be conquered for military service;

(3) Having emigrated;

(four) enjoy the basic old-age insurance benefits;

(5) Refusing to accept appropriate jobs or training provided by departments or institutions designated by local people's governments without justifiable reasons.