What is the difference between maternity allowance and maternity insurance?

The differences between maternity allowance and maternity insurance are as follows:

1. The scope of maternity allowance and maternity insurance is different: maternity allowance refers to the living expenses that the state needs to pay for professional women who have to leave their jobs due to childbirth according to relevant laws and regulations, while maternity insurance is insurance purchased by enterprises for employees, mainly providing economic compensation and necessary medical insurance for employees who have given birth.

2. Maternity allowance and maternity insurance are different in nature: maternity insurance is paid by enterprises, and maternity allowance is issued by the state according to relevant laws and regulations.

3. The amount of maternity allowance and maternity insurance is different: maternity insurance reimbursement will be less than maternity allowance, and the specific amount is related to local social security.

Maternity allowance collection process:

1. Preparation of application materials: Families need to prepare relevant application materials, such as birth certificate, ID card, household registration book, social security card, etc. Specific requirements can be consulted with local human resources and social security departments or social security agencies;

2. Fill in the application form: the family needs to fill in the relevant application form and affix the fingerprint and signature of the family members for confirmation;

3. Submit application materials: families need to submit the completed application form and related materials to the local human resources department or social security agency;

4. Review the application materials: the local human resources department or social security agency will review the application materials submitted by the family to verify the family identity and social security payment;

5. Receive maternity allowance: After approval, families can bring their ID cards and social security cards to the designated bank window to receive maternity allowance.

To sum up, the specific application requirements and materials may be different due to different regions and policies. You can consult relevant local policies and requirements before applying to ensure the completeness and accuracy of the application materials.

Legal basis:

Article 54 of the Social Insurance Law of People's Republic of China (PRC)

The employer has paid maternity insurance, and its employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund.

Maternity insurance benefits include maternity medical expenses and maternity allowance.