Commercial insurance and work related injury and disability insurance are both compensated, can the

Hello, to put it simply, upon the request of the injured employee, the labor contract can be terminated or terminated with the employer, and the employer shall pay a one-time medical subsidy for work-related injury and employment subsidy for disability in accordance with the standards stipulated by the provinces, autonomous regions and municipalities directly under the Central Government. My salary refers to the average monthly salary of the injured employee in the 12 months before the accident.

The main compensation of work-related injury insurance benefits is: medical expenses, one-time disability allowance (7 to 24 months' salary), one-time employment subsidy (determined according to the work-related injury regulations of the province where the employee is located, and received when the labor relationship is terminated), one-time medical subsidy (determined according to the work-related injury regulations of the province where the employee is located, and received when the labor relationship is terminated), wages for the period of suspension of work with pay (determined according to the notice of labor ability appraisal conclusion), food allowance, nursing expenses, transportation expenses, etc.

The one-time medical subsidy for work-related injuries and the one-time employment subsidy for disability shall be paid to the employee by the social security department and the employer respectively after the employee's resignation; If the employer does not pay social security for the employee, the employer shall pay the one-time medical subsidy for work-related injury and the one-time employment subsidy for disability to the employee after the employee resigns.

According to the Regulations on Work-related Injury Insurance, a one-time disability employment subsidy is paid by the employer at the request of the employee with a grade 5 or 6 work-related injury to terminate or terminate the employment relationship with the employer. or if an employee with a work-related injury in Grade 7 to Grade 10 terminates the labor or employment contract at the expiration of the term, or the employee himself or herself proposes to terminate the labor or employment contract, the employer shall pay the payment. The specific standards for the one-time disability employment subsidy shall be prescribed by the people of provinces, autonomous regions and municipalities directly under the Central Government. As long as the above circumstances are met, the employer shall pay a one-time disability employment subsidy.

According to Article 46 of the Insurance Law of the People's Republic of China (hereinafter referred to as the Insurance Law), work-related injury insurance in commercial insurance shall include one-time medical compensation for work-related injuries and employment compensation for disability. One-time work-related injury medical compensation refers to the liability of the insurance company to pay a one-time reimbursement to the injured person or his close relatives in accordance with the contract when the insured is injured or dies due to a work-related accident, so as to make up for the injured person's expenses. Disability employment compensation means that the insurance company pays a certain monthly reimbursement fee to the injured person or his close relatives in accordance with the prescribed disability level in accordance with the contract when the insured is injured or dies due to a work-related accident, so as to make up for the loss of income of the injured person.

From a legal point of view, Article 46 of the Insurance Law of the People's Republic of China stipulates that an insurance company may conclude a work-related injury insurance contract that has been approved by the insurance regulatory department, and its responsibilities include: (1) one-time medical compensation for work-related injuries; (2) Disability employment compensation.

Therefore, the work-related injury insurance in commercial insurance should include a one-time work-related injury medical compensation and disability employment compensation. <>

1. If the contract is terminated at the expiration of the contract, or the employee himself proposes to terminate the labor contract, the relevant subsidy shall be paid by the work-related injury insurance** or the employer as follows.

Regulations on Work-related Injury Insurance

Article 37 Employees who are assessed as having a disability of grade 7 to 10 due to work-related disability shall enjoy the following benefits:

2) If the labor or employment contract is terminated upon expiration, or the employee himself or herself proposes to terminate the labor or employment contract, the work-related injury insurance shall pay a one-time medical subsidy for work-related injuries, and the employer shall pay a one-time disability employment subsidy. One-time medical benefit for work-related injuries.

and the specific standards for one-time disability employment subsidies shall be prescribed by the people of provinces, autonomous regions and municipalities directly under the Central Government.

2. This statute of limitations applies to a two-year period, and it is recommended to actively protect rights. You should first apply to the labor department.

3. The statute of limitations for litigation starts from the time of dismissal of the labor contract (resignation).

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If the employer does not pay work-related injury insurance, then the employer is responsible for the compensation and compensation items mentioned in the question.

However, the premise is that compensation will only be paid when the labor contract expires, or the employee himself proposes to terminate the labor or employment contract.

If the employer has established a work-related injury insurance relationship and paid the work-related injury insurance premiums, and if the injured employee is rated as a work-related injury grade, the employer shall only be liable for the payment of the statutory one-time unemployment allowance when the labor contract is terminated and terminated.

Summary. Hello <>

Can I enjoy disability subsidy at the same time if I have paid work-related injury insurance and accidental disability insuranceAccording to the provisions of the "Regulations of the People's Republic of China on Labor Insurance", I can enjoy disability subsidy at the same time if I pay work-related injury insurance and accidental disability insurance. This is because the scope and liability of the two types of insurance are different, with work-related injury insurance mainly for injuries caused by work-related injuries and occupational diseases at work, while accidental disability insurance mainly covers personal injuries caused by non-work-related reasons. Therefore, if an employee has both work-related injury insurance and accidental disability insurance, and the accident results in disability, the employee can enjoy disability benefits from both insurances.

Can I receive disability allowance if I have paid work-related injury insurance and accidental disability insurance at the same time?

Hello <>

Can I enjoy disability subsidy at the same time if I have paid work-related injury insurance and accidental disability insuranceAccording to the provisions of the "Regulations of the People's Republic of China on Labor Insurance", I can enjoy disability subsidy at the same time if I pay work-related injury insurance and accidental disability insurance. This is because the scope and liability of the two types of insurance are different, with work-related injury insurance mainly for injuries caused by work-related injuries and occupational diseases at work, while accidental disability insurance mainly covers personal injuries caused by non-work-related reasons. Therefore, if an employee has paid both work-related injury insurance and accidental disability insurance, and the accident results in disability, then the employee can enjoy the disability allowance from both insurances at the same time.

It should be noted that for disability caused by the same accident, the disability benefit received should be based on the actual degree of disability of the victim, which is also one of the differences between the two types of insurance. In addition, enterprises should also apply for work-related injury insurance and accidental disability insurance for employees in a timely manner, and ensure that employees can enjoy insurance protection in the event of an accident. <>

Dear, is there anything else you don't understand? Tell me more about your situation and I'll answer for you. <>

Summary. Hello dear, happy to answer for you! According to the Social Insurance Law of the People's Republic of China, work-related injury insurance and accidental disability insurance are two different insurance systems, and their payment standards, scope and applicable conditions are also different.

Work-related injury insurance refers to the protection of risks such as disability and death caused by accidents or occupational diseases at work, while accidental disability insurance refers to the protection of disability risks caused by accidents that occur in daily life. If you have paid work-related injury insurance and accidental disability insurance, you are not entitled to disability allowance at the same time. In the event of a work-related accident, you should apply for disability benefits from the workers' compensation insurance**; If the disability is caused by an accident that occurs in daily life, you should apply for disability compensation from the accidental disability insurance company.

Hello dear, happy to answer for you! According to the provisions of the Social Insurance Law of the People's Republic of China, work-related injury insurance and accidental disability insurance are two different insurance systems, and their compensation standards, scope and applicable conditions are also different. Work-related injury insurance refers to the protection of risks such as disability and death caused by accidents or occupational diseases at work, while accidental disability insurance refers to the protection of disability risks caused by accidents that occur in daily life.

If you have paid work-related injury insurance and accidental disability insurance, you are not entitled to disability allowance at the same time. In the event of a work-related accident, you should apply for disability benefits from the workers' compensation insurance**; If the disability is caused by an accident that occurs in daily life, Fugao shall apply for disability compensation from the accidental disability insurance company. <>

Legal basis: According to the Insurance Law of the People's Republic of China and the Regulations on Work-related Injury Insurance, work-related injury insurance and accidental disability insurance are two different types of insurance, and there are differences in their coverage coverage, compensation standards, and claim procedures. Work-related injury insurance is purchased by enterprises for employees, mainly to provide protection for employees in the event of accidental injuries or occupational matching diseases at work, including medical expenses, work-related injury allowances, disability subsidies, etc.

Accidental disability insurance is purchased by the individual himself, mainly to provide protection for the individual in the event of accidental injury in daily life, including compensation for injury and disability, medical expenses, etc. If you have paid work-related injury insurance and accidental disability insurance, you are not entitled to disability allowance at the same time. If an employee suffers an accidental injury or occupational disease at work, he or she shall first apply to the enterprise for work-related injury insurance claims and receive compensation such as work-related injury allowance and disability allowance.

If an employee suffers an accidental injury in daily life, he or she can apply for a claim from the accidental disability insurance company purchased by the individual to receive compensation such as disability compensation. <>

Summary. Dear, I am glad to answer the question of medical insurance during the work-related injury, and there can also be a one-time disability subsidy, Article 35 of the Regulations on Work-related Injury Insurance If an employee is identified as a first-to-fourth-grade disability due to work-related disability, he or she shall retain the labor relationship and withdraw from <>the job

<> I have used medical insurance during the work-related injury, can I still have a one-time disability allowance?

Article 35 of the Regulations on Work-related Injury Insurance If an employee is identified as a first-level to fourth-grade disability due to work-related disability, he or she shall retain the relationship between labor and quit his or her <>job

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Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the payment of the employer and the individual, the establishment of medical fibrillation and eye therapy insurance**, the insured person after the medical expenses incurred by the sick and medical treatment, by the medical insurance institution to give them a certain amount of economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of the members of the society, coupled with the financial support, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness<>