What are the payment categories of Beijing Social Security? How to divide it?

1. Social insurance includes five insurances: endowment insurance, unemployment insurance, work injury insurance, maternity insurance and medical insurance.

2. According to the national policy, local hukou, foreign urban hukou with Beijing Work Residence Permit and local farmers are given "maternity insurance". The rest of the household registration categories are provided with four insurances: old-age insurance, unemployment insurance, work injury insurance and medical insurance.

3. The following is a brief description of these four risks, in no particular order:

First: industrial injury

Workers who suffer accidents at work are entitled to medical treatment for work-related injuries after treatment and appraisal. Workers with work-related injuries should seek medical treatment in medical institutions that have signed service agreements. In case of emergency, they can go to the nearest medical institution for first aid. If the expenses required for work-related injury treatment meet the catalogue of work-related injury insurance diagnosis and treatment items, the catalogue of work-related injury insurance drugs and the hospitalization service standard of work-related injury insurance, they shall be paid from the work-related injury insurance fund.

Disabled people can also enjoy relevant treatment after identification, so I won't elaborate here.

When a work-related injury occurs, the company shall be informed as much as possible while giving first aid, and the company shall submit the work-related injury identification within 30 days, and select two designated medical institutions for work-related injuries. If the patient's condition is stable, he should be transferred to a designated medical institution for treatment.

Second: unemployment

Unemployed persons who meet the following conditions can receive unemployment insurance:

(a) in accordance with the provisions of the unemployment insurance, units and individuals in accordance with the provisions of the payment obligation period of 1 year;

(two) the employment is not interrupted because of my will;

(three) have been registered as unemployed and have job requirements.

Unemployed persons enjoy other unemployment insurance benefits during the period of receiving unemployment insurance benefits.

Unemployed persons shall, within 40 days from the date of termination or rescission of labor (employment) or working relationship, go through the unemployment registration formalities at the social insurance agency where the household registration is located with the certificate of termination or rescission of labor (employment) or working relationship issued by the employer and relevant certification materials, which meets the conditions for receiving unemployment insurance benefits. Unemployment insurance is calculated from the date of unemployment registration.

The time limit for the unemployed to receive unemployment insurance benefits is determined according to the accumulated payment time before unemployment:

(a) the cumulative payment time 1 year but less than 2 years, can receive 3 months of unemployment insurance;

(two) the cumulative payment time of more than 2 years but less than 3 years, you can receive unemployment insurance for 6 months;

(three) the cumulative payment time of more than 3 years but less than 4 years, can receive 9 months of unemployment insurance;

(four) the cumulative payment time of more than 4 years but less than 5 years, can receive 12 months of unemployment insurance;

(five) if the cumulative payment time exceeds 5 years, the number of additional months shall be determined according to the method of paying unemployment insurance benefits for one month every full year. The maximum period for receiving unemployment insurance benefits shall not exceed 24 months.

The payment standard of unemployment insurance is 70% to 90% of the minimum wage in this city. The specific criteria are:

(a) the cumulative payment time is less than 5 years, according to the minimum wage of 70% payment;

(2) If the accumulated payment time is less than 5 years 10 year, it will be paid at 75% of the minimum wage;

(3) If the accumulated payment time is over 10 years but less than 15 years, it will be paid at 80% of the minimum wage;

(4) If the accumulated payment time exceeds 15 but less than 20 years, it will be paid at 85% of the minimum wage.

(five) the cumulative payment time of more than 20 years, according to 90% of the minimum wage payment.

(6) From the third month of/kloc-0, unemployment insurance will be paid at 70% of the minimum wage.

Third: maternity insurance

Maternity insurance means that married women enjoy maternity allowance for at least three months during childbirth, and can reimburse the expenses of examination and childbirth according to the limit. Abortion can also enjoy different amounts of allowances according to the number of months. If the woman does not have maternity insurance, the man does, but the child is born late, the man can enjoy a one-month bonus allowance.

Only by paying maternity insurance for 9 months in a row can the maternity expenses be reimbursed. This is the first time in July 2009 that Beijing has set a payment period for maternity insurance.

Maternity reimbursement includes three items: childbirth expenses (dystocia, natural delivery and cesarean section), medical expenses for family planning operations (other operations during childbirth) and maternity allowance. In the process of reimbursement, the maternity insurance foundation reimburses the unit, and then the unit issues it to the individual.

Maternity insurance can only be reimbursed if the maternity insurance employee has paid the fee for 9 months before delivery. If the continuous payment is less than 9 months, the first two expenses can be reimbursed, but the maternity allowance must be paid in advance by the employer. Maternity allowance can only be reimbursed if the insured employee continuously pays 12 months after delivery.

When going through the formalities, the enterprise shall submit the Employee's Handbook of Beijing Medical Insurance, Beijing Maternity Service Certificate and the birth certificate, (death or abortion), family planning operation certificate and fee voucher issued by the designated medical institution.

Fourth: basic pension

Pension means that when you reach retirement age and the accumulated payment reaches 15 years, you can receive retirement pension on a monthly basis in proportion at the place where you registered. Current policy: If the accumulated payment happens to be 15, you can get 20% of the local average monthly salary+1120 of your personal account (8% will be deducted every month) (basically, if the average payment is 15, you can now pay it to 200 yuan/month, personal account. The longer the payment period, the more you get, but there is no specific proportion now.

However, at present, rural hukou in other places does not enjoy some policies, and they all adopt a one-time liquidation system when the contract is terminated.

1People who have joined the work since July, 1998 and whose personal payment period is less than 15 years (except farmers who change jobs) will not enjoy the basic pension treatment on a monthly basis after retirement, and the amount stored in their personal accounts will be paid to them in one lump sum.

Fifth: basic medical care

Basic medical insurance means that during the payment period, outpatient or hospitalization in designated hospitals can be reimbursed according to the prescribed proportion.

(Beijing) Different old-age insurances in social security have special pension accounts. Medical insurance basically does not exist. During the period of non-payment, the account is closed and you can't enjoy medical care. As long as you pay social security and medical insurance, you will begin to enjoy medical treatment.

According to Beijing Medical Insurance Regulations, if men have paid the basic medical insurance premium for 25 years and women have paid it for 20 years, they will go through the retirement formalities in accordance with state regulations, and if they receive the basic pension or retirement fee on a monthly basis, they will enjoy the basic medical insurance benefits for retirees and will no longer pay the basic medical insurance premium. Confirmed by the administrative department of labor and social security, before April 1 2006, if the continuous length of service or working years of employees meet the national regulations, it will be regarded as the payment period of basic medical insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.