What does employee social security include?

Social security for employees includes five insurances: basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance.

1. Old-age insurance: guarantee the basic life of the insured after retirement, and complete the payment and receive the pension according to the regulations after retirement.

2. Medical insurance: the daily medical treatment and medical expenses of the insured can be guaranteed, and the medical expenses can be directly reimbursed by using the medical insurance pooling account.

3. Maternity insurance: During pregnancy, the insured can reimburse the production expenses through maternity insurance.

4. Work-related injury insurance: The insured can get some compensation through work-related injury insurance if he has an accident or an occupational disease during his work.

5. Unemployment insurance: If workers are involuntarily unemployed, they can apply for unemployment insurance to ensure their basic livelihood during unemployment.

Social insurance is a social and economic standard to provide income or compensation for the population. The social insurance plan is held by the government, forcing the collective to use part of its income as social insurance tax (fee) to form a social financial insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution standard, and its policy is to ensure the reproduction of material and labor and social stability.

In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social financial insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.

If a unit has established a labor relationship with its employees, it needs to pay these five insurances in time according to law, otherwise it will bear administrative responsibilities such as overdue payment within a time limit.

legal ground

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

Article 1 This Law is formulated in accordance with the Constitution for the purpose of adjusting the social insurance relationship, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to share the fruits of development and promoting social harmony and stability.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.

The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance.

The state supports social insurance through preferential tax policies.

Article 6 The State exercises strict supervision over social insurance funds.

The State Council and the people's governments of provinces, autonomous regions and municipalities directly under the Central Government shall establish and improve the supervision and management system of social insurance funds to ensure the safe and effective operation of social insurance funds.

People's governments at or above the county level shall take measures to encourage and support all sectors of society to participate in the supervision of social insurance funds.

Article 7 The administrative department of social insurance in the State Council is responsible for the management of social insurance throughout the country, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties.

The social insurance administrative department of the local people's government at or above the county level shall be responsible for the social insurance management within its administrative area, and other relevant departments of the local people's government at or above the county level shall be responsible for the relevant social insurance work within their respective functions and duties.

Eighth social insurance agencies to provide social insurance services, responsible for social insurance registration, personal rights and interests records, social insurance benefits payment and other work.

Article 9 Trade unions shall safeguard the legitimate rights and interests of employees according to law, and have the right to participate in the research on major social insurance issues, participate in the social insurance supervision committee, and supervise matters related to employees' social insurance rights and interests.