How to settle claims for the five insurances in social security, and what is the insured amount?

Social security does not belong to commercial insurance, there is no insurance protection, and it does not belong to claims. Social insurance is the guarantee of the insured's basic life, and it also reduces the risk of employment in the unit. So there is no claim and insurance in social security.

First, the old-age insurance is a social insurance system in which the government and society give certain economic compensation, material help and services to workers after they reach the legal retirement age. The contribution rate of new insured units (referring to various enterprises) is 10%, and the individual contribution rate is 8%. Individual industrial and commercial households and their employees, flexible employees and other personnel who are insured in the form of individuals have different rates according to the payment period. Individual workers who participate in the basic old-age insurance, the payment base can be high or low within the prescribed scope, and more contributions will benefit more. To receive a monthly pension, employees must reach the statutory retirement age and have gone through retirement procedures; Units and individuals have participated in the old-age insurance according to law and fulfilled the obligation to pay the old-age insurance; Personal payment must be at least 15 years.

Second, medical insurance is a social insurance system based on the affordability of finance, enterprises and individuals to ensure the basic medical needs of employees. All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc. ), organs, institutions, social organizations, private non-enterprise units and their employees must participate in the basic medical insurance. The basic medical insurance fund for urban workers consists of the basic medical insurance social pooling fund and individual accounts. The basic medical insurance premium consists of the employer and the employee's personal account. The basic medical insurance premium is jointly paid by the employer and individual employees, of which: the employer pays 8% and the individual pays 2%.

Industrial injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased. After an employee is insured for a work-related injury, if the employee is hospitalized due to a work-related injury, the unit to which he belongs shall issue a hospital food subsidy according to 70% of the food subsidy standard for the business trip of the unit; Medical institutions issue certificates and report them to the agency for approval. If the injured workers go to the outside of the overall planning area for medical treatment, the required transportation, accommodation and expenses shall be reimbursed by the unit according to the standard of business trips of the employees of the unit. In addition, due to the needs of daily life or employment, injured workers can install artificial limbs, orthotics, artificial eyes, dentures and wheelchairs and other auxiliary devices, and the required expenses are paid from the industrial injury insurance fund according to the standards stipulated by the state. The medical expenses for work-related injuries, disability allowance for first-class to fourth-class workers with work-related injuries, one-time disability allowance, living nursing expenses, funeral subsidies, pensions for dependent relatives, assistive devices, work-related injury rehabilitation expenses and labor ability appraisal fees of insured workers with work-related injuries shall be paid by the work-related injury insurance fund.

4. Unemployment insurance is a system which is enforced by the state through legislation, and funds are set up by the society to provide material assistance to workers who have temporarily stopped their livelihood because of unemployment. Urban enterprises, institutions, social organizations and private non-enterprise units pay unemployment insurance premiums at 2% of the total wages, and their employees pay unemployment insurance premiums at 1% of their wages. Units without fixed wages pay unemployment insurance premiums based on the average social wage in the last year in the overall planning area. The unit employs contract workers of farmers and herdsmen who do not pay unemployment insurance premiums.

Five, maternity insurance is aimed at the physiological characteristics of reproductive behavior. According to the law, when working women temporarily stop working and lose their normal income due to childbirth, the state or society provides them with material help. All employers (including organs, social organizations, enterprises, institutions and private non-enterprise units) and their employees shall participate in maternity insurance. Maternity insurance is paid by the employer, and individual employees do not pay maternity insurance premiums. Maternity insurance premium shall be paid by the employer according to 0.7% of the total wages of employees in the previous year.

In short, workers can ask for social security. Subject to the full social security purchased by the unit:

1. Medical insurance: 2% for individuals and 8% for units;

2. Endowment insurance: 8% for individuals and 20% for units; ?

3. Unemployment insurance: individual 1%, unit 2%;

Four. Industrial injury insurance: no individual, unit1%;

V. Maternity insurance: No individual, unit 1%.