Does Shanghai pay unemployment insurance to the unemployed in small towns?

The insurance differences between small towns and big towns in Shanghai are as follows:

First, city insurance and town insurance have different requirements for the payment unit to open an account:

Enterprises registered in Xuhui, Zhabei, Huangpu, Hongkou, Jing 'an, Luwan and other urban areas can only open city insurance accounts in big towns to pay social insurance for qualified employees, and cannot open town insurance accounts.

Enterprises registered in Minhang, Songjiang, Jiading, Fengxian, Jinshan, Qinpu and other suburbs can open urban insurance accounts in social security centers, pay social insurance in small towns for eligible employees, or open urban insurance accounts, and pay social insurance in big towns for eligible employees;

Two, the payment methods of urban insurance and urban insurance are different:

Introduction of urban insurance payment

The base range of urban insurance payment is determined according to the average monthly salary in Shanghai last year, taking 20 1 1 as an example:

From April of 20 1 1 year, the upper limit of Shanghai's urban insurance contribution base is 300% of the city's average monthly salary (3,896) last year, that is, 1 1688 yuan, and the lower limit of urban insurance contribution base is 60% of the city's average monthly salary (3,896) last year.

Urban insurance payment ratio:

Enterprises bear 37%, of which (pension 22%, medical care 12%, unemployment 2%, maternity 0.5%, work-related injury 0.5%).

Personal commitment 1 1%, of which (pension 8%, medical care 2%, unemployment 1%, maternity 0, work injury 0).

Introduction of urban insurance payment

The payment base of urban insurance is a fixed base, which is determined according to the average monthly salary of Shanghai in the previous year. Taking 20 1 1 as an example, the payment base of Shanghai urban insurance is 60% of the average monthly salary of the previous year (3,896), that is, 20 1 1 year is 2,338 yuan from April.

Proportion of urban insurance payment:

Enterprises bear 25%, of which (pension 17%, medical care 5%, unemployment 2%, maternity 0.5%, work-related injury 0.5%).

Personal commitment: individuals do not bear any expenses, all of which are paid by enterprises.

Third, the treatment is different.

Pension: Pension will be converted into urban insurance, so it will be greatly discounted when receiving pension in the future.

Medical care: part of the medical care paid by urban insurance companies will enter the social pooling account and part will enter the personal medical insurance account, which means that there will be money in the medical insurance card. The monthly amount of the occupational medical insurance account will vary according to the payment base and age. The medical insurance card can be used in emergency, hospitalization and serious illness. The medical insurance of Zhenbao all goes into the social pooling account, not into the personal account, which means that there is no money in your medical insurance card, and medical enjoyment is limited to serious illness and hospitalization.

Unemployment: you can get two months' unemployment benefits if you pay one year's city insurance, and only one month's unemployment benefits if you pay one year's town insurance.

Maternity: Those who pay city insurance according to the minimum base are entitled to maternity allowance just like those who pay town insurance. If you pay the city insurance according to the high base, you will get a higher maternity allowance than paying the town insurance.

Work-related injuries: City insurance and town insurance can enjoy the same treatment for work-related injuries, and there is basically no difference.

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