What's the difference between unemployment insurance and unemployment subsidy?

1. Unemployment allowance: the insured unemployed who meet the following conditions can receive it.

(1) Unemployed persons who are unemployed after receiving unemployment insurance (subject to the social insurance premium paid by the employer);

(2) Unemployed persons whose insurance contributions are less than 1 year or over 1 year, and whose labor contracts are terminated due to their own reasons.

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

(1) has participated in unemployment insurance as required, and the employer and I have fulfilled the payment obligations as required for 1 year;

(2) Termination of employment against my will;

(3) Those who have registered for unemployment and have job requirements.

(2) Different collection standards.

1. Unemployment allowance: I can apply for unemployment allowance for 6 months, and the standard is 80% of the local unemployment insurance standard.

2. Unemployment insurance premium: Unemployment insurance premium is calculated and paid at 90% of the minimum wage in the area where the unemployed are located.

(3) Different collection time

1. Unemployment allowance: I can apply for unemployment allowance for 6 months upon application.

2. unemployment insurance benefits: The time limit for the unemployed to receive unemployment insurance benefits is determined according to the accumulated payment time before unemployment, and the longest period shall not exceed 24 months.

Different treatment

1, unemployment benefits: unemployment benefits are paid on a monthly basis and charged to other expenses of the unemployment insurance fund. Do not enjoy unemployment insurance, basic medical insurance, funeral expenses and pensions during the collection period.

2. unemployment insurance benefits: During the period of receiving unemployment insurance benefits, the unemployed also enjoy medical insurance benefits for employees. Maternity allowance, funeral allowance, one-time pension, entrepreneurship allowance, one-time treatment of unemployed people, heating allowance, etc.

Legal basis: Article 46 of People's Republic of China (PRC) Social Insurance Law. Before unemployment, if the employer and I pay for more than one year but less than five years, the longest period of receiving unemployment insurance benefits is twelve months. If the accumulated payment is over five years but less than ten years, the maximum period for receiving unemployment insurance benefits is eighteen months; If the accumulated payment is more than ten years, the maximum period for receiving unemployment insurance benefits is twenty-four months. If you are unemployed again after re-employment, the payment time will be recalculated, and the period of receiving unemployment insurance benefits will be combined with the period of receiving unemployment insurance benefits that should have been received but not received in the previous unemployment, and the longest period will not exceed 24 months.