Company management regulations! The core problem of purchasing social security for employees

Company management regulations! The core problem of purchasing social security for employees

What we call "five insurances" are five categories of social security: endowment insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance.

Key points of medical insurance

Let's talk about medical insurance first. Employees can enjoy medical insurance benefits the next month after paying medical insurance. During employee's non-work-related injury or illness, medical insurance benefits enjoyed (limited to) medical expenses reimbursed according to regulations, excluding sick pay; Sick pay is still paid by the company according to law.

Key points of industrial and commercial insurance

1. Both parties establish labor legal relationship. Retirees and employees with employment relationships are not applicable to work-related injury identification; Note that "old employees" who have reached retirement age and have not formally gone through retirement procedures or enjoyed pension insurance continue to work in the company, which also meets the conditions for work-related injuries.

2. Personal injury accidents occur, and there is a causal relationship between accidents and employee damage.

3. Employees are damaged in the process of performing their duties. It is generally believed that employees are injured on their way to and from work, which belongs to the category of work-related injuries.

4. Apply for work-related injury identification in time: After the work-related injury occurs, the company needs to apply for identification within 30 days. If the company fails to file an application in time, the injured employees or their immediate family members may file an application for work-related injury identification within 1 year.

The items paid by the industrial injury insurance fund include: treatment fee, rehabilitation fee, assistive devices fee, life care fee, one-time disability allowance, disability subsidy, funeral subsidy, labor ability appraisal fee, hospitalization food subsidy and transportation fee, and one-time industrial injury medical subsidy.

Some common questions and tips about social security;

1. The company hired retirees and did not buy social security for them.

2. If the enterprise fails to provide employees with work-related injury insurance, employees have the right to ask the company to pay all expenses according to the treatment standard of work-related injury insurance. Therefore, industrial injury insurance is very important.

3. Some companies do not buy social security for their employees for various reasons, but pay subsidies, or the agreed wages include the social security fees that the company should pay. It is not advisable to defend the mandatory provisions of the law.

The risk is that if employees turn against each other, they can terminate the labor contract and demand economic compensation on the grounds that "the company has not paid social security according to law". Even if the company holds a statement that workers voluntarily give up buying social security, the probability of losing the case is great.

4. After an employee is injured at work, the company's failure to apply for work-related injury identification does not exempt him from subsequent responsibilities. Employees can apply to the administrative department of labor and social security for work-related injury identification, and all the expenses that meet the work-related injury treatment before will be borne by the company.

5. Paying social security is one of the elements to judge the establishment of labor relations. Some bosses will register a series of companies at the same address, and employees will sign labor contracts with one of them, but they will be responsible for the daily work of several companies under the boss's name. In this regard, we suggest that the unit that signed the labor contract purchase social security for employees to avoid leaving evidence of "employment confusion".