How to pay social security during maternity insurance?

[Introduction]: Maternity insurance must be in the state of normal social security payment. Pay the insurance premium this month and enjoy the corresponding insurance benefits next month. The reader's wife is not a deep household, so she can't buy social security herself, and there is no unit to pay social security for her, so she can't enjoy maternity insurance when she stops social security. Can I still enjoy maternity insurance after I stop paying social security? Some readers called to report that my wife has been paying social security through the company for five years. Because her registered permanent residence is in other places, the company insured her for hospitalization. In early March, my wife found out that she was pregnant. Due to the serious reaction of early pregnancy, she resigned in late May after taking many leave. At present, my wife is taking care of the baby at home, and social security has stopped for almost two months. Can a wife still enjoy maternity insurance after giving birth to a child? Shenzhen social insurance consultation service hotline reply: Maternity insurance must be paid in the normal state of social security payment. Pay the insurance premium this month and enjoy the corresponding insurance benefits next month. The reader's wife is not a deep household, so she can't buy social security herself, and there is no unit to pay social security for her, so she can't enjoy maternity insurance when she stops social security. Strong reaction during pregnancy, can I call in sick? Mr. Zhong called to report that his wife was pregnant for two months and was a twin. She has a strong reaction, she vomits whatever she eats, and her mental state is very bad. She called in sick once before. Can my wife ask for a longer sick leave? Shenzhen labor and social security consultation service hotline reply: According to the relevant regulations, if a female worker has serious reaction during pregnancy and needs rest as proved by a doctor, her vacation and medical treatment can be treated according to her illness. When an enterprise employee needs to stop working for medical treatment due to illness or non-work-related injury, he/she will be given a medical treatment period of three to twenty-four months according to his/her actual working years and his/her working years in this unit: 1, three months if his/her actual working years are less than ten years, and three months if he/she has worked in this unit for less than five years; More than five years is six months. 2, the actual working life of more than ten years, less than five years in this unit for six months; More than five years but less than ten years and nine months; Twelve months of more than ten years and less than fifteen years; Fifteen years, twenty years and eighteen months; Twenty years or more is twenty-four months.

Legal objectivity:

Ministry of Human Resources and Social Security's "Maternity Insurance Measures (Draft for Comment)" is now open to the public for comments. The opinion draft makes it clear that maternity insurance will no longer be limited to employees of local urban enterprises, but will cover all employees. At the same time, if the enterprise does not pay maternity insurance for its employees, the maternity expenses shall be borne by the employer. Taking into account the burden on enterprises, the measures also specifically proposed that the maternity insurance rate be halved. The public can log on to the Legal Information Network of China Municipal Government to make comments. Highlights Maternity insurance benefits will no longer be limited to household registration as the functional department in charge of social security. Ministry of Human Resources and Social Security plans to clarify various policies and standards of maternity insurance. The Legislative Affairs Office of Ministry of Human Resources and Social Security and the State Council promulgated the Measures for Maternity Insurance (Draft for Comment) on 2 1. The method makes it clear that maternity insurance will achieve full coverage for all types of workers. Specifically, state organs, enterprises, institutions, individual economic organizations with employees and other social organizations and other employers and their employees. Ministry of Human Resources and Social Security said that the expansion of coverage will be beneficial to the unification of maternity insurance system and the fairness of social security. The existing maternity insurance measures were promulgated and implemented by the former Ministry of Labor 1994, and are only applicable to urban enterprises and their employees. Subsequently, 3 1 region in China issued local regulations or normative documents on maternity insurance. 20 1 1 July, after the implementation of China's social security law, the universal nature of social insurance was clarified. As a supporting regulation of the social security law, Ministry of Human Resources and Social Security said that the drafting of maternity insurance measures will make it clear that the coverage of maternity insurance is no longer limited to local urban workers. In addition, the opinion draft also clarifies that if a person who participates in maternity insurance gives birth in a different place, the relevant treatment shall be implemented in accordance with the policy standards of the insured place. Specifically, the settlement scope and standards of maternity medical expenses are formulated by each region according to local actual conditions. While it is clear that the scope of insurance will be expanded, the opinion draft specifically points out that as social insurance, units must pay for employees. Do not pay, maternity insurance benefits borne by the unit. According to the statistics of Ministry of Human Resources and Social Security, as of September 20 12, the number of people participating in maternity insurance in China was 1 person. Compared with other types of social security, the population of 500 million people participating in insurance is relatively small. In practice, it is not uncommon for a unit not to pay maternity insurance to its employees. In order to truly implement this social security treatment, the exposure draft stipulates that if the employer fails to pay maternity insurance for employees according to law, resulting in employees being unable to enjoy maternity insurance benefits, the employer will pay the relevant treatment fees. At the same time, we have to face the penalty of social security late payment. The opinion draft also explains the field of maternity insurance benefits. In order to ensure the timely payment of maternity medical expenses and facilitate the insured, it is proposed to stipulate that the relevant expenses shall be directly settled by the social security institution and the agreed hospital. It is worth noting that the payment ratio of maternity insurance has also been greatly adjusted in this draft for comments. The opinion draft makes it clear that the proportion of maternity insurance contributions generally does not exceed 0. 5%, compared with the current 1%, reduced by half. The opinion draft is clear, to participate in maternity insurance, the employer pays the insurance premium, and the individual employee does not have to pay any fees. The insurance premium paid by the employer shall be calculated according to a certain proportion of the total wages of the employees of the unit, and the payment proportion shall generally not exceed 0. 5%, the specific payment ratio is determined by the localities according to the actual situation. Ministry of Human Resources and Social Security specifically pointed out that in order to effectively control the burden of enterprise payment, if the local maternity insurance payment ratio exceeds 0. 5%, should be reported to Ministry of Human Resources and Social Security for the record.