The meaning and function of social security

Legal analysis: Social security includes five types of insurance, namely endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance.

1. Pension insurance: After retirement, we will pay the pension every month. Even if we are old and have no ability to work to make money, we can maintain normal expenses without relying on our children.

2. Medical insurance: Medical insurance can reimburse us some expenses, whether it is outpatient or hospitalization, and reduce our economic burden caused by illness.

3. Maternity insurance: Under normal circumstances, maternity insurance is generally used to reimburse the expenses from pregnancy to delivery, such as birth check-up fees and delivery fees. Because I can't work during childbirth, in order to make up for the loss of income during this period, the state will also give a certain maternity allowance.

4. Unemployment insurance: No matter whether the company goes bankrupt or is laid off by the company, we can apply for unemployment benefits to protect our basic life without economic income for the time being.

5. Work-related injury insurance: If you encounter risks at work, or get occupational diseases, temporarily or permanently lose your ability to work or even someone dies, then work-related injury insurance can provide us or our families with certain compensation.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Article 33 Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, while employees shall not pay the work-related injury insurance premium.

Thirty-sixth employees who are injured by accidents or suffer from occupational diseases due to work reasons and are recognized as work-related injuries shall enjoy work-related injury insurance benefits; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability treatment.

Work injury identification and labor ability appraisal should be simple and easy.

Forty-eighth unemployed people in the period of receiving unemployment insurance benefits, to participate in the basic medical insurance for employees, enjoy the basic medical insurance benefits.

The basic medical insurance premiums payable by the unemployed are paid from the unemployment insurance fund, and individuals do not pay the basic medical insurance premiums.

Fifty-fourth employers have paid maternity insurance premiums, and their 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.