What are these five kinds of insurance? What are the five risks in five insurances and one gold? )

_ 1: What are the five risks? Five insurances, also known as social insurance, include endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance. Q2: How to pay the five risks?

Article 58 of the Social Insurance Law stipulates that the employer shall apply to the social insurance agency for social insurance registration for its employees within 30 days from the date of employment.

In other words, as long as a labor contract is signed with the unit, the unit is obliged to pay five insurances for employees within 30 days.

_3: What is the payment ratio of the five insurances?

_4: What are the advantages of paying five risks? First of all, we analyze an insurance according to an insurance type: 1. Old-age insurance: The insured who meets the following conditions can receive the basic pension on a monthly basis from the next month after being approved by the administrative department of social insurance: ① reaching the statutory retirement age stipulated by the state: 60 years for men, 55 years for women cadres and 50 years for women workers; Those who have been engaged in high-altitude and particularly heavy manual labor for ten years, underground and high-temperature work for nine years or other work harmful to health for eight years shall retire at the age of 55 for men and 45 for women; Due to illness or non-work-related disability, the city, district and county labor appraisal committees have determined that they have completely lost their ability to work according to the labor appraisal procedures. ② The accumulated years meet the requirements: the basic old-age insurance premiums paid according to regulations have reached 15 years. ③ In addition to meeting the above conditions, non-local household registration personnel must take part in the basic old-age insurance in Beijing before men reach the age of 50 and women reach the age of 40, and they can go through the retirement formalities in Beijing only after the accumulated payment in Beijing has reached 10 years.

2. Medical insurance ① The part paid by individuals in medical insurance is all included in personal accounts. How much is included in the personal account? Under 35 years old = personal account company account = payment base *2.8%35 -44 years old = personal account company account = payment base * 3% over 45 years old = personal account company account = payment base * 4%; Part of the company's contribution is included in the personal account and part of it is included in the social security pooling fund, so how much can medical insurance be reported? : reimbursement ratio of urban workers' medical insurance outpatient service

_/kloc-more than 0/800 medical expenses can only be reimbursed when the father is dirty and exposed and the bed is closed. The reimbursement rate is 90% in community hospitals and 70% in other designated hospitals. (2) For retirees under the age of 70, the expenses accumulated over 1.300 yuan in a natural year can be reimbursed, and the reimbursement ratio is 85% and 90%; (3) Retirees over 70 years old who have accumulated more than 1.300 yuan in a natural year will be reimbursed 90% in any hospital; (4) No matter what kind of people, the maximum amount of outpatient and emergency medical expenses is 20,000 yuan. Proportion of reimbursement for hospitalization expenses of medical insurance for urban workers

_ Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro Pro ③ Payment limit: the accumulative maximum payment limit of the basic medical insurance pooling fund is 654.38+10,000 yuan within one year, and the accumulative maximum payment limit of the large mutual fund is 200,000 yuan, totaling 300,000 yuan.

3. Maternity insurance ① Maternity leave is the legal rest day for female employees. According to Article 7 of the Special Provisions on Labor Protection for Female Employees, female employees in Beijing enjoy maternity leave 128 days, including prenatal leave 15 days; Increase maternity leave during dystocia 15 days; In case of multiple births, the maternity leave will be increased by 1 5 days for each additional birth1baby; Pregnant less than 4 months, enjoy 15 days maternity leave; If you miscarry after 4 months of pregnancy, you will enjoy 42 days of maternity leave; ② How to calculate the maternity allowance? Maternity allowance = the average of the maternity insurance base of all employees in the unit in the month when the baby was born /30* the number of days you can receive. Taking the minimum maternity insurance base in Beijing as an example, new mothers who give birth normally can also receive 2 1.674 yuan. Does it feel like a pie in the sky?

4. Unemployment insurance ① The treatment and conditions that can be enjoyed by urban workers from other places in unemployment insurance benefits. Non-local urban workers who have participated in unemployment insurance for more than one year can enjoy a one-time unemployment insurance benefits if they interrupt their employment against their wishes. Urban workers from other cities who meet the conditions for receiving one-time unemployment insurance benefits can also apply to return to their original residence to enjoy unemployment insurance benefits. If the accumulated payment of unemployment insurance benefits is over 1 year and less than 5 years, you can receive unemployment insurance benefits for 3 months every 1 year; For those who have received unemployment benefits for more than 5 years, they shall be calculated as 1 month every full year, and the longest period shall not exceed 24 months. The monthly allowance is as follows!

_: If you are unemployed again after re-employment, the payment time will be recalculated, and the time limit for receiving unemployment insurance benefits will be combined with the time limit for receiving unemployment insurance benefits that you should have received but did not receive in the previous unemployment, with a maximum of 24 months. (2) The rural labor force can enjoy unemployment insurance benefits, and the contract workers who have participated in unemployment insurance for more than one year and interrupted their employment can enjoy a one-time living allowance.

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5. Work injury insurance

The treatment items and standards of industrial injury insurance are as follows:

Treatment fee. The expenses for work-related injury treatment must conform to the catalogue of work-related injury insurance diagnosis and treatment items, the catalogue of work-related injury insurance drugs and the hospitalization service standard of work-related injury insurance.

Food allowance for hospitalization. If an employee is hospitalized due to a work-related injury, the unit to which he belongs shall issue a hospital food subsidy according to 70% of the food subsidy standard of the unit on business trip.

Transportation and accommodation expenses for medical treatment in different places. Medical institutions issue certificates and report them to the agency for approval. If the injured workers go to the outside of the overall planning area for medical treatment, the required transportation, accommodation and expenses shall be reimbursed by the unit according to the standard of employees' business trip.

Rehabilitation expenses. The expenses for rehabilitation treatment of workers with work-related injuries to medical institutions that have signed service agreements shall be paid by the work-related injury insurance fund if they meet the provisions of the third paragraph of this article, such as the Catalogue of Work-related Injury Insurance Diagnosis and Treatment Items, the Catalogue of Work-related Injury Insurance Drugs and the Standards for Hospitalization Services of Work-related Injury Insurance.

Expenses for assistive devices. Workers with work-related injuries may install artificial limbs, orthotics, artificial eyes, dentures and wheelchairs and other auxiliary devices due to their daily life or employment needs, and the required expenses shall be paid from the work-related injury insurance fund according to the standards stipulated by the state.

Wage during shutdown. If an employee suffers from an accident or occupational disease at work and needs to be suspended from work to receive work-related injury medical treatment, the original salary and welfare benefits will remain unchanged during the paid suspension, and the unit where he works will pay him monthly.

Living nursing expenses. Workers with work-related injuries who can't take care of themselves need care during the paid shutdown period, and their units are responsible for it. Workers with work-related injuries who have been assessed as disabled and confirmed by the labor ability appraisal committee need life care shall be paid by the work-related injury insurance fund on a monthly basis.

_ My salary is 27 months, my second disability is 25 months, my third disability is 23 months, and my fourth disability is 265,438+0 months. Grade five disability is my salary 18 months, grade six disability is my salary 16 months, grade seven disability is my salary 13 months, and grade eight disability is my salary 1 1 month; Grade 9 disability is my salary for 9 months, and grade 10 disability is my salary for 7 months.

Disability allowance. Workers who are disabled due to work are identified as one to four levels of disability, and the industrial injury insurance fund will pay a one-time disability subsidy according to the disability level. If an employee is identified as a five-level or six-level disability due to work-related disability, the labor relationship with the employer shall be retained, and the employer shall arrange appropriate work. If it is difficult to arrange the work, the employer shall pay the disability allowance monthly. The standard is: level 5 disability is 70% of my salary and level 6 disability is 60%.

One-time disability employment subsidy and one-time work-related injury medical subsidy. Workers who are disabled due to work are identified as five or six levels of disability, and the work-related injury insurance fund pays a one-time work-related injury medical subsidy, and the employer pays a one-time disability employment subsidy; If an employee is disabled due to work, and his/her labor contract expires, or the employee proposes to terminate the labor contract, the industrial injury insurance fund will pay a one-time medical subsidy for work-related injuries, and the employer will pay a one-time employment subsidy for disability. Specific standards for one-time medical subsidies for work-related injuries and one-time disability employment subsidies shall be formulated by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government.

Funeral allowance. The funeral subsidy for workers' work-related death is the average monthly salary of workers in the last six months in the overall planning area.

Pension for dependent relatives. The pension for the dependent relatives of the workers who died at work shall be paid to the relatives who provided the main source of livelihood and were unable to work during their lifetime according to a certain proportion of their wages.

One-time work death grant. The standard of one-time work death subsidy is the average monthly salary of employees in the last year in the overall planning area from 48 months to 60 months. Specific standards shall be formulated by the people's government of the overall planning area according to the local economic and social development and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for the record.