Generally speaking, when we are employed in the unit, the employer will pay us social insurance five insurances , namely basic pension insurance, basic medical insurance, work-related injury insurance, maternity insurance and unemployment insurance . In 2019, maternity insurance was incorporated into basic medical insurance, but the relevant benefits are still there. If you give birth to a child, you can enjoy maternity allowance benefits.
After resigning, the social security that can be purchased in the name of an individual is basic pension insurance and basic medical insurance . If you want to connect, you can purchase employee basic pension insurance and employee basic medical insurance . However, it is also slightly different from employers participating in insurance.
First, work-related injury insurance, unemployment insurance, and maternity insurance do not involve .
will not involve work-related injuries after resigning, but to be honest, some flexible employment issues will actually cause harm to work. For example, the takeaway deliveryman , which is widely concerned by people now. Strictly speaking, this is a kind of flexible employment and will not have labor relations. What should I do if I cause damage? To this end, the country is promoting occupational injury insurance , and the pilot work has been promoted in many regions such as Beijing and Shandong.
After resigning, he is unemployed. If you don’t need to pay unemployment insurance . If you want to receive unemployment benefits, you need to be unemployed without your own wishes, have the intention to seek a job, and you will pay unemployment insurance for more than one year. Unemployment benefits will be received for up to 24 months. During the period of unemployment benefits, the state will also pay basic medical insurance on behalf of others. If an individual resigns voluntarily, it is not within the scope of enjoyment.
Maternity insurance . At the initial design, there were no unemployed or flexible employment designs for employees. After being incorporated into medical insurance, many maternity medical reimbursement problems have been solved for unemployed and flexible employment personnel. However, the maternity allowance and benefits with the highest benefits are paid according to the average contribution base of the unit employees. Employees without units are not involved.
According to the provisions of the National " Labor Law ", employers shall not terminate their labor contracts during pregnancy, maternity leave, and lactation period.
However, the country is also piloting, and flexible employment personnel in some regions can participate in maternity insurance. After the three-child policy is liberalized, this will be a great challenge for maternity insurance benefits.
Second, the basic pension insurance for employees is changed to flexible employment pension insurance for employees . Since the pension insurance for flexible employment personnel is borne by themselves, the burden is heavy, and in fact, you can enjoy the care of national policies. Generally speaking, except for a few areas such as Shanghai, the payment ratio for flexible employment personnel participating in pension insurance is 20%, while if the employer pays it, the total proportion is 24%, which reduces the burden.
However, according to the pension calculation formula, as long as everyone keeps the contribution base the same, the pension will be the same.
Flexible employment personnel In the past, some areas will have household registration, but as of now, more and more regions have been relaxed. According to national plans, the country will introduce policies in September to completely relax the restrictions on household registration for flexible employment personnel. However, in areas with stricter settlements such as Beijing and Shanghai, since settlement is linked to social security, we need to see how to implement them.
Third, employee medical insurance is converted into flexible employment medical insurance . The problem of medical insurance is much more complicated, because medical insurance is currently coordinated by prefecture-level administrative units, and the gap between different regions is very large. For example, in areas like , Qingdao , Shanghai and other areas, they are all borne by referring to the payment of in-service employees. In this case, if the burden is heavy, it can be converted to urban and rural residents' medical insurance.
However, there are also many regions that have established insurance for flexible employment personnel with lower payments, such as Hangzhou, Yantai , Dongguan and many other regions.
fourth, don’t forget for national subsidies. In order to reduce the insurance payment burden of people with employment difficulties, or to promote their employment, the state has established social insurance subsidies. If you are in the unit, the unit's dedicated employment difficulties can enjoy the social security subsidy .If you are flexible employed, you can also apply for subsidies to the street community's labor protection center through the individual's employment difficulties identification. The subsidy standard for
is quite different from place to place, and in some places it subsidizes 50% of the individual burden. Generally, it is calculated based on the minimum payment base. In some places, subsidies reach 66% or even 70% to 80%. The specific requirements are based on the local employment promotion policies. Just don’t forget to apply. Different regions can currently apply repeatedly, but must meet the local application requirements.
These are 4 things you need to pay attention to when participating in insurance. I hope everyone can understand and save money as much as possible. Welcome to follow the Warm Human Resources and Social Security to share social security knowledge with everyone.
