Henan industrial injury insurance policy treatment policy Q&A what?

I. What is work injury insurance? A: Workers' compensation insurance, also known as occupational injury insurance or compensation for work-related injuries, is a social insurance system in which workers and their relatives receive material assistance from the state or society according to the law when they are disabled or killed at work, resulting in temporary or permanent loss of labor capacity. Can I participate in work injury insurance if I am a flexibly employed person? A: Worker's compensation insurance is paid by the employer. Therefore, you can't participate in the insurance in your personal capacity. All kinds of enterprises, individual industrial and commercial households with employees, public institutions (except for public institutions governed by the Civil Service Law) and private non-profit organizations shall participate in work-related injury insurance in accordance with the relevant provisions of the Work-related Injury Insurance Regulations, and shall pay the work-related injury insurance premiums for all the workers or employees of their units. Institutions (except for those administered under the civil service law) and private non-profit organizations, the costs required for the payment of work-related injury insurance premiums shall be charged to social security contributions. C. What kind of treatment can we enjoy after joining the work injury insurance? A: injured workers can enjoy the following work-related injury insurance benefits in accordance with the Regulations on Work-Related Injury Insurance and other relevant policies and regulations: (1) medical expenses for treatment of work-related injuries and rehabilitation costs; (2) confirmed installation and configuration of disability aids; (3) hospital meal allowance; at present, the city's implementation of the standard: 15 yuan per day in the city, 21 yuan per day outside the city. (4) approved outside the co-ordination area for medical treatment, configuration of auxiliary aids transportation and accommodation costs; at present, the city's implementation of the standard: transportation reimbursement for a round trip; out-of-hospital waiting period of no more than 5 days, during which the daily accommodation costs 150 yuan. (5) life can not take care of themselves, confirmed by the Labor Capacity Appraisal Committee of the living care expenses; (6) a one-time disability grant and the first to fourth level of disability workers receive a monthly disability allowance; (7) termination or termination of the labor contract, should be entitled to a one-time medical benefits; (8) work-related deaths, the survivors of the funeral grant, dependent family pension and work-related death grants; (9) the labor capacity appraisal fee; (10) the city's implementation of the standard: transportation reimbursement round-trip; (11) the waiting period of more than five days out of the hospital, during the period of accommodation costs of 150 yuan per day. (9) Labor capacity appraisal fee; (10) Other expenses for work injury insurance as stipulated by laws and regulations. What kind of treatment will I enjoy if I am injured in the organization and am appraised as a disabled worker? A: Level 1: retaining the labor relationship, withdrawing from work, according to the employee's average monthly salary for the 12 months before the injury to send a one-time disability benefit and pay monthly disability allowance. The lump-sum disability benefit is 27 months, and the disability allowance is 90%; Level 2: retaining the labor relationship, withdrawing from work, and paying a lump-sum disability benefit and a monthly disability allowance in accordance with the average monthly contribution salary of the 12 months before the employee was injured. Lump-sum disability benefit standard aid for 25 months, disability allowance 85%; 3: retain labor relations, quit the job to do the job, according to the employee before the injury of 12 months of average monthly wages paid a lump-sum disability benefit and monthly disability allowance. Lump-sum disability benefit standard aid for 23 months, 80% of the disability allowance; Level 4: retain the labor relationship, quit the job to do the job, according to the employee before the injury of the 12 months of average monthly wages paid a lump-sum disability benefit and pay the disability allowance on a monthly basis. One-time disability benefit standard aid for 21 months, disability allowance 75%; 5: according to the employee injury 12 months before the average monthly wages as the basis for a one-time disability benefit of 18 months, the employer to pay the monthly disability allowance, the standard for my salary of 70%. Upon the proposal of the injured worker, he/she can terminate or break the labor relationship with the employer, and the employer shall pay him/her a lump-sum medical allowance for 22 months and a lump-sum employment allowance for 36 months based on the average monthly salary of the workers in the previous year of the coordinated area at the time of the termination of the labor contract. Grade 6: The one-time disability benefit is paid for 16 months based on the average monthly wages of the 12 months prior to the injury, and the employer pays a monthly disability allowance of 60% of the employee's wages. Upon the proposal of the injured worker, he/she may terminate or break the labor relationship with the employer, and the employer shall pay him/her a one-time medical benefit for the injury and a one-time employment benefit for the disability on the basis of the average monthly salary of the workers in the previous year of the coordinated area at the time of termination of the labor contract. The standard for the one-time medical benefit for work injury is 18 months, and the standard for the one-time employment benefit for disability is 30 months. Grade 7: A lump-sum disability benefit is paid for 13 months based on the average monthly salary of the 12 months before the injury. If the labor contract is terminated at the end of the term, or if the employer terminates the labor contract with the employee, the employer shall pay a lump-sum medical benefit for 13 months and a lump-sum employment benefit for 20 months based on the average monthly salary of the employees of the previous year in the integrated area at the time of termination of the labor contract. Grade 8: A lump-sum disability benefit of 11 months shall be paid based on the average monthly salary of the employee in the 12 months prior to the injury. If the labor contract is terminated at the expiration of the term, or if the labor contract is terminated with the employer, the employer shall pay a one-time medical benefit for work injury of 10 months and a one-time employment benefit for disability of 16 months based on the average monthly salary of the employees in the coordinated area in the previous year at the time of the termination or termination of the labor contract. Grade 9: A lump-sum disability benefit of 9 months based on the average monthly salary of the employee in the 12 months prior to the date of injury, and a lump-sum medical benefit for 7 months and a lump-sum employment benefit for 12 months based on the average monthly salary of the employee in the previous year in the co-ordinated area at the time of termination of the labor contract or the termination of the labor contract with the employer. Grade 10: A lump-sum disability benefit of 7 months shall be paid on the basis of the average monthly salary of the employee in the 12 months prior to the injury. If the employment contract is terminated at the expiration of the term, or if the employment contract is terminated with the employer, the employer shall pay a one-time injury medical benefit of 4 months and a one-time disability employment benefit of 8 months based on the average monthly salary of the employees of the previous year in the coordinated area at the time of termination of the employment contract. V. I am a grade 4 work injury disabled person, how to pay the nursing fee? A: According to the nursing grade assessed by the Municipal Labor Capacity Appraisal Committee, the nursing fee will be paid monthly on the basis of the average monthly salary of the workers in the previous year in the city, and the standard is 30% for partial nursing dependence, 40% for most nursing dependence, and 50% for total nursing dependence. Sixth, my unit workers were certified dead at work, can enjoy what treatment? Child support? Answer: (1) funeral grant: 6 months of the average monthly salary of the workers in the previous year in the coordinated area. (2) One-time death benefit: 20 times the per capita disposable income of urban residents in the previous year. (3) Dependent Relatives' Pension: A certain percentage of the employee's own salary is paid to relatives who provided the main source of livelihood and were incapable of labor during the lifetime of the employee who died on the job. The rates are: 40% for spouses; 30% for other dependent relatives; and 10% for widows, orphans and widows on top of the above rates. The total amount of the approved pension for each dependent relative shall not exceed the average monthly contributory salary for the twelve months preceding the death of the worker. VII. Can the cost of installed auxiliary apparatus (such as prosthesis) be reimbursed,? A: If the injured worker is confirmed by the Municipal Labor Capacity Appraisal Committee that he/she can be fitted with artificial limbs, eyes, teeth, wheelchair and other assistive devices, he/she will be reimbursed by the Work Injury Insurance Agency in accordance with the national standard. How to deal with the work-related accidents in my organization? A: When an employee of an employing unit suffers a work-related accident, he/she should immediately organize rescue and report to the social insurance agency and the administrative department of labor security within 24 hours. After the injury is stabilized, the employee shall be transferred to a designated medical institution for treatment. I have injured workers in my organization, can I get reimbursement for all the medical expenses incurred? A: If the expenses required for treating work-related injuries are in line with the catalog of diagnosis and treatment items of work-related injuries insurance, the catalog of medicines of work-related injuries insurance and the standard of hospitalization services of work-related injuries insurance, the expenses will be paid from the work-related injuries insurance fund. Injured workers are not entitled to medical insurance treatment for diseases caused by non-work-related injuries and are treated in accordance with the relevant provisions of the basic medical insurance. X. How do I declare the medical expenses of work injury insurance when my organization goes to reimburse the work injury insurance? A: After the injured worker has finished treatment or is cured, the employer shall declare the medical expenses to the municipal social insurance agency with the certificate of determination of work injury, outpatient medical records (emergency medical records), copies of inpatient medical records (stamped with the hospital seal), prescriptions, inpatient day lists, summarized details of inpatient expenses, inspection and laboratory reports, and valid fee vouchers. XI. My organization fails to pay the work injury insurance premiums on time, can I get reimbursement for the work injury occurred during the period? A: The employer should pay the work injury insurance premiums in full and on time in accordance with the relevant regulations of the state, and if the employer fails to pay the premiums in full and on time, it is regarded as defaulting on the payment of work injury insurance premiums. During the period of non-payment, the employer will pay for the work-injury insurance treatment, and the employer will pay for the new work-injury insurance treatment after making up for the unpaid premiums in accordance with the regulations. What are the legal policies on work-related injury insurance? 1. Purpose In order to ensure that employees who are injured in accidents or suffer from occupational diseases at work receive medical treatment and financial compensation, to promote prevention of work-related injuries and occupational rehabilitation, and to spread the risk of work-related injuries among employers. 2. 2 Scope of application All types of enterprises and individual business households with employees (hereinafter referred to as employers) within the territory of the People's Republic of China shall participate in work-related injury insurance in accordance with the provisions of these Regulations, and shall pay work-related injury insurance premiums for all of their employees or employees (hereinafter referred to as employees). Employees of all kinds of enterprises and hired workers of individual industrial and commercial households within the territory of the People's Republic of China shall have the right to enjoy work-related injury insurance treatment in accordance with the provisions of these Regulations. Article 8 The rate of work-related injury insurance premiums shall be determined in accordance with the principle of determining revenue on the basis of expenditure and balancing revenue and expenditure. Article 10 An employer shall pay the work-related injury insurance premiums on time. Individual employees shall not pay work-related injury insurance premiums. Article 14 An employee shall be recognized as injured at work if he/she is injured in any of the following circumstances: (1) Injured in an accident during working hours and in the workplace due to work-related reasons. (b) Injured by an accident in the workplace before or after working hours while engaged in work-related preparatory or finishing work. (iii) Accidental injury caused by violence or other accidental injury in the performance of work duties during working hours and in the workplace. (iv) Suffering from occupational diseases. (e) Being injured at work or having an accident while away from home for work, or being unaccounted for in an accident. (vi) Injured in a motor vehicle accident on the way to or from work. Article 15 An employee shall be deemed to have suffered a work-related injury if he or she: (1) dies of a sudden illness during working hours and at work, or dies within 48 hours after failure to rescue. (ii) Drunkenness resulting in injury or death; (iii) Self-inflicted injury or suicide