Is industrial injury insurance social insurance?

Hello, industrial injury insurance is social insurance. Industrial injury insurance is an important part of social insurance system. It refers to the social security system in which the state and society provide medical care, living security, economic compensation, medical care and vocational rehabilitation to workers and their relatives who have suffered accidental injuries and occupational diseases in production and work.

1. Participating in industrial injury insurance can better safeguard the legitimate rights and interests of disabled workers. With the acceleration of industrialization and urbanization and the rapid development of transportation, construction and other industries, the risk of work-related injuries faced by workers is increasing; At the same time, after an industrial accident, some enterprises failed to handle the industrial injury according to the regulations on the grounds of employees' illegal operation (no pre-job training) or violation of factory discipline, resulting in damage to the legitimate rights and interests of enterprises. The interests of employees are not guaranteed. Where an enterprise employee participates in work-related injury insurance and an accident occurs, the local labor security administrative department shall identify the work-related injury according to law. If it is identified as a work-related injury, the government labor appraisal agency shall identify the worker as a work-related injury, and the government social insurance department shall compensate him in accordance with the regulations. Only in this way can we better safeguard the legitimate rights and interests of employees.

2. Participating in industrial injury insurance can reduce the burden on enterprises. If the employees of the enterprise fail to participate in work-related injury insurance and work-related injuries occur, the enterprise shall bear the medical expenses, disability allowance, disability allowance and other expenses caused by work-related injuries. If compensation is made according to the minimum industrial injury level 10, the enterprise also needs to compensate disabled employees for about 8,000 yuan (Zhejiang Province). In the event of a major safety accident, some small enterprises or enterprises with relatively poor benefits will often be unable to pay compensation due to industrial accidents, and some enterprises will feel unsustainable and even be forced to stop production. Enterprises participating in industrial injury insurance only need to pay 0.6% of the total wages of employees to the social insurance agency of the district (county) government. No matter what kind of work-related accidents occur in the enterprise, the relevant expenses can be compensated by the government social insurance agency according to the regulations. This can greatly reduce the economic burden caused by work-related injuries.

3. Participating in industrial injury insurance can better adjust labor relations and maintain social stability. If employees do not participate in work-related injury insurance, once a work-related injury accident occurs, employees and their families will often doubt the fairness of handling the work-related injury accident, and then express dissatisfaction with the handling results, which will easily lead to tension or even intensification of labor relations and unstable factors. Enterprises to participate in work-related injury insurance, after the accident, the enterprise should report the accident to the local labor and social security management department, and the labor and social security department will determine the work-related injury after investigation and verification.

4. If it is a work-related injury, you can enjoy work-related injury insurance benefits. Only in this way can we better handle industrial accidents, coordinate the labor relations between enterprises and industrial workers, and effectively prevent the emergence of unstable factors. Enterprises will not involve a lot of energy and financial resources because of industrial accidents.