Why can't unemployment insurance be spent?

Why can't unemployment insurance be spent?

As a mandatory payment? Three risks? First, unemployment insurance is the most? Low profile? 、? Unknown? The monthly deduction is only about ten dollars, and most people don't care. Compared with the huge number of people who pay unemployment insurance, the number of people who enjoy unemployment insurance benefits is very small.

A few days ago, the reporter went to the social security offices in Chaoyang, Dongcheng and other districts in Beijing and learned that there are very few people receiving unemployment insurance benefits, and the recipients are mainly middle-aged registered population who enjoy difficult subsidies.

20 12 statistical bulletin on the development of human resources and social security shows that by the end of 20 12, the accumulated balance of unemployment insurance fund was 292.9 billion yuan. It is equivalent to 6.5 times the expenditure of that year, that is to say, even if unemployment insurance benefits are stopped, the current balance is enough to pay unemployment benefits for six years. Qinghai province has the highest balance coefficient, and its unemployment insurance premium is enough to pay for 30 years.

The original intention of the unemployment insurance policy is to ensure the livelihood of the unemployed. However, at present, it is caught in a dilemma: who is the unemployed? Just smell the policy and don't eat the meat of the policy? And the other side is the relevant department? I don't know how to spend money. .

Rarely apply? Insurance money?

Almost all grass-roots social security service halls can see unemployment insurance policy information pamphlets. According to the reporter's research, how many keys are there to successfully apply for unemployment insurance? Pay unemployment insurance for one year in the company you left? 、? Must be dismissed by the company? 、? Registered population? 、? Must attend vocational training and receive vocational guidance? .

Even if individuals try their best to meet these application conditions, the requirements of unemployment insurance for enterprises also restrict the unemployed from receiving insurance benefits to a certain extent. Because the policy requires employers to declare the employment and unemployment of employees to the competent authorities within a limited time to determine the qualifications of unemployed people.

The reporter asked the staff that they could not be forced to report the personnel changes to the social security office unless the social security personnel came to the door to serve or needed to publish the recruitment information in the social security office.

? No matter how good the system is, it cannot be implemented at the grassroots level. More than one social security official said that the General Administration of Social Security is responsible for unemployment insurance. Faced with thousands of enterprises, it has no energy to urge enterprises to report personnel changes, and labor supervision has no time to take care of it.

Is it because the unemployed are unwilling to take the initiative, the procedures are cumbersome and the income is not much? Are you interested? An important reason for unemployment insurance.

Even if all the policies are in line, Huang Ya, a college student who has been unemployed for more than two years, is unwilling to receive it? Unemployment benefits? The reporter followed her to her domicile? At the Social Security Institute of Hepingli Street, Dongcheng District, Beijing, next to the unemployment insurance counter, the reporter saw an application form in black and white fixed on the counter. Visually, there are more than 40 blanks to fill in. Do you want to bring them all? Household registration book? Almost all the materials. The staff also told Huang Ya that once the unemployment insurance payment reaches 1 year, she can only enjoy unemployment insurance benefits for two months, and the longest period for receiving unemployment insurance benefits is 24 months. ? From a few hundred yuan to more than one thousand yuan, it is not hard enough. ? Huang Ya twisted her head impatiently and walked out of the social security office a few minutes later.

People who receive and enjoy treatment are misplaced.

? Do not consider foreign hukou, but only the registered population. Migrant workers are foreign hukou and should not apply at the place of entry? 、? The file is not here, and college students withhold their accounts. Three risks? He is not unemployed. Even if he is registered as unemployed, he doesn't care if the documents are here. .

The reporter got such a reply in interviews with many social security offices.

Some researchers believe that the main reason for the sharp increase in the rolling balance of the unemployment insurance fund is the dislocation of the people who receive and enjoy the benefits.

On the one hand, migrant workers, college students and freelancers are informal employment groups with unstable labor relations and jobs, which are the main groups that unemployment insurance should protect. Taking 20 12 as an example, according to the final accounts of social security insurance announced by the Ministry of Finance, the unemployment insurance income of 20113.9 billion yuan increased by 23% over the previous year, and the unemployment insurance expenditure in 20 12 years was 45 billion yuan, up by 4% over the previous year. Year after year, income exceeds expenditure. In that year, the number of migrant workers who participated in unemployment insurance was 27.02 million, but in 20 12, the total number of migrant workers in China reached 2626 1 10,000, and the participation rate only accounted for 10.2% of the total. A large number of migrant workers and freelancers are excluded from unemployment benefits.

On the other hand, who will pay the unemployment insurance? As a group with relatively stable employment and income, employees of state-owned enterprises and institutions have almost no chance to enjoy unemployment insurance benefits. Xiao Wang, a member of the personnel department of the central unemployment unit with more than 400 employees, said that he has been doing social security work for 12 years. Just in 2008, I consulted relevant policies when I dismissed several cleaning staff, one of whom was from Beijing. ?

Unemployment insurance? Money can't be spent?

The original intention of unemployment insurance is to ensure the basic livelihood of the unemployed and promote their re-employment. According to the Regulations on Unemployment Insurance, urban enterprises and institutions pay unemployment insurance premiums at 2% of their total wages, employees at units pay unemployment insurance premiums at 1% of their wages, and pay unemployment insurance premiums at 3% of their wages.

Unexpectedly, the huge employee base has made this humble 3% accumulate into a huge sum. Take Beijing as an example. By the end of 20 12, the total number of people participating in unemployment insurance in Beijing was10.24 million, the annual income of the fund was 4.6 billion yuan, and the accumulated balance exceeded 13 1 100 million yuan.

? Have money but don't know how to spend it? At the end of 20 12, the number of people receiving unemployment insurance benefits nationwide was only 2.04 million. Unemployment insurance has become an inexhaustible problem? Headache, money? .

Recognizing this problem, in 2006, Ministry of Human Resources and Social Security and other relevant departments selected seven provinces and cities, including Beijing and Shanghai, to conduct unemployment insurance pilot projects and expand the scope of expenditure. On the premise of ensuring that unemployment insurance benefits will issue and keep a certain amount of reserves on time and in full, a certain proportion of reserve surplus will be used to promote employment, mainly in the expansion of expenditure items and objects. During the six years of the pilot project, the number of beneficiaries of unemployment insurance has been increasing. According to the evaluation report of the project evaluation team of World Social Security Research Center of China Academy of Social Sciences, from 2006 to 20 12, the accumulated expenditure of expanding unemployment insurance funds in seven eastern provinces and cities was 68.2 billion yuan, benefiting more than 300,000 enterprises in difficulty and140,000 employees. However, according to the evaluation report, there are still some problems, such as the specific scope of expansion expenditure is not uniform, the unemployment insurance fund and the employment special fund overlap, and some cancelled expansion projects have stagnated or even regressed in promoting employment.

? Excessive accumulation of unemployment insurance funds? At present, there is no clear solution road map, relevant departments? Money can't be spent? However, on the other hand, paying too much social security fees has increased the burden on small and medium-sized enterprises, which has become the development of local small and medium-sized enterprises? Obstacles Is unemployment insurance compulsory? Three risks? First, therefore, many places began to try to reduce the proportion of unemployment insurance contributions.

According to the Notice on Issues Related to Expanding the Expenditure Scope of Unemployment Insurance Fund, Jiangsu, Liaoning and other places have issued documents to reduce the proportion of unemployment insurance contributions within two years from 20 14, so as to reduce the burden on enterprises and promote their development. Among them, Jiangsu unified from 3% to 2%, and Liaoning halved the unemployment insurance premiums paid by all enterprises in the province who participated in the insurance and paid unemployment insurance premiums, and the proportion of individual contributions remained unchanged.

In addition, cities in Shandong have also adjusted the proportion of unemployment insurance contributions. In some areas, floating exchange rate systems have been established.

But in fact, the industry itself is controversial about the direction of policy reform. One party thinks that unemployment insurance should always be adhered to? Keep alive? Basic function, by adjusting the payment of benefits, etc. Promote employment? Oppose the continued expansion of the unemployment insurance fund expenditure project, because the project is highly overlapping with the employment special funds; One party thinks that unemployment insurance should be played? Promote employment? Function, expand the scope of unemployment insurance fund expenditure policy to the whole country.

Question and answer on unemployment insurance policy

Q: Can I enjoy unemployment insurance if I resign?

Answer: The unit must pay the unemployment insurance premium for one year according to the regulations; Termination of labor relations for reasons other than my own; Those who are willing to apply for a job should register in the human resources market at all levels.

Employees who resign voluntarily cannot enjoy unemployment insurance benefits. However, employees who are removed from the company can enjoy unemployment insurance benefits.

In addition, after the unemployed are registered in the job search agency, the job search agency will provide them with job search information for three times free of charge. If the unemployed don't go, they won't enjoy unemployment insurance benefits.

Q: What are the time rules for applying for unemployment insurance?

A: It is understood that citizens must apply for unemployment insurance benefits within 60 days of unemployment, otherwise they will not be entitled to unemployment insurance benefits. These 60 days are counted from the date when the unemployed person terminates or terminates the labor relationship with the original unit.

Q: What are the benefits of unemployment insurance?

Answer: Pay unemployment insurance monthly according to the period approved by the payment period; Pay medical insurance premiums during the period of receiving unemployment benefits; In order to receive unemployment insurance benefits, increase the one-time maternity allowance of 70% of the monthly unemployment benefit standard for female unemployed workers in line with national policies; Pay funeral subsidies and pensions to the immediate family members or legal heirs of the unemployed who died during the period of receiving unemployment insurance benefits (except those who died because of participating in crimes); For the unemployed who receive employment training and job hunting during the period of receiving unemployment insurance benefits, the vocational skills training fee and employment introduction service fee are reduced or exempted.

Q: Under what circumstances should I stop receiving unemployment insurance benefits?

Answer: During the period of receiving unemployment insurance benefits, the unemployed will stop receiving unemployment insurance benefits and enjoy other unemployment insurance benefits under any of the following circumstances:

Reemployment; Should be conquered for military service; Emigrate abroad; Enjoy basic old-age insurance benefits; Sentenced to reeducation through labor; Refusing to accept the work introduced by the department or institution designated by the local people's government without justifiable reasons; Other circumstances stipulated by laws and administrative regulations.

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