What are the four major risks of employee social security?

Four insurances refer to four social insurances: endowment insurance, medical insurance, industrial injury insurance and unemployment insurance.

Ministry of Human Resources and Social Security and the Ministry of Finance jointly issued a notice, once again clarifying that maternity insurance and basic medical insurance will be merged. "Five insurances and one gold" changed to "four insurances and one gold".

1. Old-age insurance: This kind of insurance is set up to protect the basic needs of workers who lose their ability to work and quit their jobs because of old age.

The main contents are: retirement conditions; Retirement and post-retirement treatment; Funeral expenses, subsidies, pension expenses after death, and relief expenses for supporting immediate family members.

2. Unemployment insurance: This kind of insurance is set up to ensure that workers can find basic living needs during their work.

The main contents include unemployment benefits, living allowances during unemployment and medical expenses. In western countries, the period for unemployed people to enjoy unemployment insurance is generally 26 weeks to one year. Conditions of enjoyment: Must be involuntary unemployment.

3. Medical insurance: This insurance is established to protect the basic needs of workers when they temporarily or permanently lose their ability to work during illness or non-work-related injuries.

The main contents include: wages, medical expenses, hospitalization expenses, medical expenses for supporting immediate family members, etc.

4. Work-related injury insurance: or work-related injury and disability insurance. This insurance is established to protect the basic needs of workers in case of physical injury, disability due to illness or injury, and temporary or permanent incapacity to work. Generally, it can be divided into two types: work-related disability and occupational disease.

5. Maternity insurance: This insurance is established to protect the basic needs of female workers who temporarily lose their ability to work during childbirth. The contents include maternity leave, wages during maternity leave, maternity medical expenses, etc.

legal ground

People's Republic of China (PRC) social insurance law

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.