Types of insurance that social security must pay.

The full name of social security is social insurance, which belongs to China's basic security insurance and mainly includes five aspects, namely, endowment insurance, maternity insurance, medical insurance, unemployment insurance and work injury insurance. Relevant laws clearly stipulate that the employer shall purchase insurance for employees, and if the employer fails to pay insurance, the legal liability of the employer may be investigated.

1. What types of insurance must social security cover?

Social insurance refers to a legal system in which workers with certain labor relations lose their ability to work or temporarily interrupt their work for various reasons, that is, when they encounter labor risks such as old age, illness, unemployment, work-related injuries and maternity, they and their families get material help from the state and society.

At present, China's social insurance mainly includes endowment insurance, unemployment insurance, medical insurance, industrial injury insurance and maternity insurance.

Five insurances: old-age insurance, unemployment insurance, industrial injury insurance, maternity insurance and medical insurance.

At present, all regions have compulsory non-social insurance, including the same types of insurance, but there are at least three types. Can also be implemented according to the relevant provisions of the labor bureau of the autonomous region.

Some companies with good benefits will give employees extra insurance, which belongs to the group insurance category of commercial insurance, and this insurance will be terminated immediately after employees leave their jobs. Pay attention to this.

Second, what if the unit does not pay social security?

1. terminate the labor contract on the grounds that the unit is illegal and demand to pay economic compensation.

According to Item 3 of Article 38 of People's Republic of China (PRC) Labor Contract Law, if the employee fails to pay social insurance according to law, the employee may terminate the labor contract and demand to pay economic compensation. This is a better way to terminate the labor contract. If the company fails to pay social security according to law, including failure to pay or failure to pay in full, it can not only terminate the labor relationship, but also demand economic compensation.

2. If the failure to pay social security according to law causes losses to the workers, the employer may be required to compensate for the losses.

According to the provisions of Article 1 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Labor Dispute Cases (III), the people's court shall accept the dispute arising from the employer's failure to go through the social insurance procedures for the workers, and the social insurance agency can't make up for it, resulting in their inability to enjoy social insurance benefits. For example, if the employer fails to pay medical insurance for the employee according to law, it may require the employer to bear the part that should be borne by the medical insurance when the employee falls ill, and may support the loss of unemployment insurance, or even support the loss supported by the local court judgment.

3. Report to the social security agency and ask the employer to pay back the social security.

According to Article 85 of the Social Insurance Law of People's Republic of China (PRC), if the employer fails to pay the social insurance premium in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit, and from the date of default, an overdue fine of five ten thousandths shall be charged on a daily basis; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed. After paying social security, the arrears of social security funds enter the social security accounts of workers, which ultimately benefits the workers, but in practice, many workers do not attach importance to this right.

Social security mainly refers to five insurances and one gold refers to the housing accumulation fund, which together is what we call five insurances and one gold. In practice, some employers do not buy social security for new employees on the grounds that they are still on probation, but in fact the probation period is also included in the labor contract. According to relevant laws, employees should be provided with social security during the probation period.