What expenses can the unemployment insurance fund be used for?

Unemployment insurance money refers to the basic living expenses paid by unemployment insurance agencies to eligible unemployed persons in accordance with the law, and is a temporary compensation for the loss of wage income by unemployed persons during the period of unemployment.

The purpose of unemployment insurance benefits is to cover the basic living needs of the unemployed. Unemployment insurance premiums are paid out of unemployment insurance** in accordance with the law.

Related Notes:

Unemployed persons who meet the following conditions may receive unemployment insurance money and enjoy other unemployment insurance benefits in accordance with regulations:

1) Participate in unemployment insurance in accordance with the regulations, and the employer and the person have fulfilled the obligation to pay contributions in accordance with the regulations for one year;

2) Interruption of employment not due to one's own will;

3) Those who have been registered as unemployed in accordance with the procedures prescribed by law;

4) Those who have job search requirements and are willing to accept vocational training and job introduction.

According to the relevant provisions of the Social Insurance Law, unemployment insurance** can be used for the following expenses: (1) unemployment insurance benefits received by unemployed persons; (2) The basic medical insurance premiums that the unemployed shall pay when participating in the basic medical insurance for employees during the period of receiving unemployment insurance money; (3) If an unemployed person dies while receiving insurance benefits, a one-time funeral allowance and pension shall be paid to his surviving family. In addition, according to the Regulations on Unemployment Insurance (Order No. 258), unemployment insurance** can also be used for vocational training, subsidies for employment agencies, and other expenses related to unemployment insurance specified or approved by the unemployed during the period of receiving insurance benefits.

Legal Analysis: Unemployment insurance** consists of the following items: 1. Unemployment insurance premiums paid by urban enterprises, institutions and their employees; 2. Interest on unemployment insurance**; 3. Financial subsidies; 4. Other funds included in unemployment insurance** in accordance with the law.

Unemployment insurance premiums are the main part of unemployment insurance. Therefore, urban enterprises and institutions and their employees shall, in accordance with the regulations, pay unemployment insurance premiums in a timely and full manner, so as to ensure the ability to pay and effectively guarantee the basic livelihood of the unemployed and the capital expenditure required to promote reemployment. The development of unemployment insurance is an important responsibility of the state, on the one hand, it is necessary to organize the collection and collection of unemployment insurance premiums and the management of the work of erecting acres, and on the other hand, when the unemployment insurance premiums cannot meet the needs, it is also responsible to ensure the needs of expenditure in the form of financial subsidies.

The unemployment insurance premiums levied are deposited in banks or purchased treasury bonds in accordance with regulations, and the interest income obtained is incorporated into the government, which is an important measure to ensure that the value of the insurance premiums will not be depreciated. Other funds refer to the late fees charged in accordance with the regulations and other funds that should be included in the unemployment insurance**.

Legal basis: Social Insurance Law of the People's Republic of China

Article 45 An unemployed person who meets the following conditions shall receive unemployment insurance money from unemployment insurance**: (1) the employer and the employee have paid unemployment insurance premiums for one year before becoming unemployed; (2) Interruption of employment not due to the person's will; (3) Those who have already registered as unemployed and have requirements to seek employment.

Article 46 Where an unemployed person has paid contributions for one year but less than five years before he or she becomes unemployed, the maximum period for receiving unemployment insurance money shall be 12 months; If the cumulative contributions have been made for five years but less than 10 years, the maximum period for receiving unemployment insurance benefits is 18 months; For those who have made contributions for more than 10 years, the maximum period for receiving unemployment insurance benefits is 24 months. If a person becomes unemployed again after being newly employed, the payment time shall be recalculated, and the period for receiving unemployment insurance money shall be calculated together with the period for which unemployment insurance money should have been received but not yet received in the previous unemployment, and shall not exceed 24 months.

Article 47 The standard of unemployment insurance money shall be determined by the people of the province, autonomous region, or municipality directly under the Central Government, and shall not be lower than the minimum subsistence guarantee standard for urban residents.

Unemployment insurance money refers to the basic living expenses paid by unemployment insurance agencies to eligible unemployed persons in accordance with the law, and is a temporary compensation for the loss of wage income by unemployed persons during the period of unemployment.

The purpose of unemployment insurance benefits is to cover the basic living needs of the unemployed. Unemployment insurance premiums are paid out of unemployment insurance** in accordance with the law.

Related Notes:

Unemployed persons who meet the following conditions may receive unemployment insurance money and enjoy other unemployment insurance benefits at the same time: Weiyou.

1) Participate in unemployment insurance in accordance with the regulations, and the employer and the person have fulfilled the obligation to pay contributions in accordance with the regulations for one year;

2) Interruption of employment not due to lack of will;

3) Those who have been registered as unemployed in accordance with the procedures prescribed by law;

4) Those who have job search requirements and are willing to accept vocational training and job introduction.

Legal analysis: 1. The pure three insurances are the most basic social insurance, including: endowment insurance, medical insurance, and unemployment insurance.

2. Five insurances refer to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance.

3. One housing fund refers to the housing provident fund.

The role of five insurances and one housing fund:

1. Endowment insurance. It is used to receive pensions, pensions, and funeral expenses after retirement, and is the guarantee of old age.

2. Medical insurance. It is used for medical reimbursement and medical insurance treatment services for the elderly.

3. Unemployment insurance. It is used to receive unemployment insurance benefits after becoming unemployed.

4. Work-related injury insurance. It is used to pay for medical expenses for work-related injuries, living care expenses, disability allowance, and disability allowance.

5. Housing provident fund. It is used for personal expenses such as buying, decorating, and renting.

Legal basis

Article 72 of the Labor Law of the People's Republic of China Social insurance ** determines the funds according to the type of insurance**, and gradually implements social pooling. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

According to the provisions of China's social insurance law, the scope of unemployment insurance expenditure mainly includes unemployment insurance money, medical insurance subsidies for the unemployed, one-time funeral subsidies, pensions, vocational training, skill subsidies and so on.

Due to the actual situation of different provinces and cities, the scope of unemployment insurance** expenditure is also different. At the same time, in order to give full play to the role of unemployment insurance, all provinces and municipalities are constantly expanding the scope of unemployment insurance expenditure.

Further information: Unemployment insurance expenditure** refers to the total amount of expenditure to ensure the basic livelihood of the unemployed and laid-off workers and promote their re-employment during the reporting period. It includes unemployment benefits, medical expenses, death and funeral subsidies, bereavement relief expenses, expenses for the promotion of trainees, management fees for unemployment insurance agencies, subsidies for subordinate expenses, expenses for dismissal of superiors, transfer expenditures and other expenditures.

According to the final use, China's unemployment insurance expenditure includes basic living security expenditure, reemployment promotion expenditure, current expenditure and other expenditures. In accordance with the relevant provisions, each content includes a number of expenditure items.

1) Expenditures for basic livelihood security.

The expenditure on basic living security is directly used to ensure the basic livelihood of the unemployed and other related personnel, including the expenditure on unemployment insurance, medical subsidies, funeral and bereavement allowances, basic living security expenditures for laid-off workers of state-owned enterprises, and one-time living subsidies for contract workers who have completed the agricultural first year.

2) Promote reemployment spending.

The expenditure on promoting reemployment is to help the unemployed to achieve re-employment as soon as possible, and the expenses are covered by unemployment insurance** according to the regulations, including vocational skills training for the unemployed and vocational training subsidies and employment introduction subsidies for providing them with employment introduction services. These two subsidies can be paid to the relevant institutions according to the workload and actual results of vocational training and employment introduction provided by vocational training institutions and employment agencies to unemployed persons, and may also be paid directly to unemployed persons who participate in training or receive employment introduction services.

3) **Current expenditures.

In the process of operation of unemployment insurance, there should be frequent capital exchanges between the upper and lower unemployment insurance agencies and the unemployment insurance agencies in different overall planning areas, and some special expenditure items should be formed, such as the relief of superior expenditures, subsidies to subordinate expenditures and transfer expenditures. The current expenditure is the operation of unemployment insurance between unemployment insurance agencies, which will not cause an actual decrease in the total amount of unemployment insurance and will not affect the final balance of the unemployment insurance agency.

4) Other expenditures.

Other expenditure items of unemployment insurance** refer to other expenditures related to unemployment insurance stipulated or approved by *** in addition to the above-mentioned expenditure items.

What is unemployment insurance** Characteristics of unemployment insurance**: What is unemployment insurance**Unemployment insurance** is the basic security provided to help the unemployed re-employed**, it is established by the country's policy to promote the establishment of compulsory promotion, unemployment insurance** is made up of the joint payment of the majority of workers in the society, and is managed by the corresponding handling agencies. If you want to know more about what unemployment insurance** is, follow the website to take a look.

What is unemployment insurance** Characteristics of unemployment insurance**: What is unemployment insurance**Unemployment insurance** is to help the unemployed re-employment and provide basic security**, it is established by the country's policy to promote the establishment, unemployment insurance** is made of the majority of workers in the society, managed by the corresponding agencies, when there are workers who are unemployed and meet the conditions stipulated in unemployment insurance, they can withdraw the corresponding funds from it to ensure their basic life, A necessary help for unemployed debaters to be able to take up new jobs. Unemployment insurance refers to the system enforced by the state through legislation, established by the society in a centralized manner, to provide material assistance to workers whose lives are temporarily interrupted due to unemployment.

It is an important part of the social security system and one of the main items of social insurance. The social security system includes social surplus insurance, social relief, social welfare, social preferential care and resettlement, and basic living security and reemployment for laid-off workers of state-owned enterprises, among which social insurance includes five items: endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. Unemployment insurance** is characterized by the universality of its main purpose to ensure the basic livelihood of wage earners after losing their jobs, and its coverage includes most members of the labor force application process.

Therefore, when determining the scope of application, the insured units should be divided into departments and industries, regardless of the nature of ownership, and their employees should be regardless of the form of employment, regardless of their homes, towns, and rural areas, and after the dissolution or termination of labor relations, as long as they meet the conditions, they have the right to enjoy unemployment insurance benefits. An analysis of the changes in the scope of application of unemployment insurance in China shows a trend of gradual expansion, from the four types of brothers and sisters in state-owned enterprises to the seven categories and nine types of people in state-owned enterprises and the workers of public institutions under enterprise management, and then to all urban enterprises, public institutions, and their workers as stipulated in the "Unemployment Insurance Regulations," which fully embodies the principle of universality. Nowadays, it is a society with a legal system, and many things closely related to life are inseparable from the law, so we should have some understanding of some ordinary legal knowledge.

Unemployment insurance** consists of unemployment insurance premiums, interest, financial subsidies paid by urban enterprises and public institutions, and employees of urban enterprises and institutions, as well as other funds included in unemployment insurance in accordance with the law. Unemployment insurance** must be earmarked for specific purposes, and must not be diverted for other purposes, and must not be used to balance fiscal revenues and expenditures.

2. Who is in charge of unemployment and childbirth?

Unemployment insurance premiums shall be borne and implemented jointly by the employer and the employees, and urban enterprises and public institutions shall pay unemployment insurance premiums at the rate of 2% of the total wages of their units. Employees of urban enterprises and institutions shall pay unemployment insurance premiums at the rate of 1% of their wages, and peasant contract workers recruited by urban enterprises and institutions shall not pay insurance premiums for the loss of group rentals.

3. What types of insurance are included in social security?

Social security includes basic endowment insurance, basic medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance, collectively referred to as the five insurances, which are the national statutory insurance. Endowment insurance, medical insurance and unemployment insurance, these three types of insurance are the premiums paid by enterprises and individuals, and the proportion of each need to be paid is specified as follows:

1) Basic endowment insurance: the proportion of enterprise contributions is generally about 20 of the total salary of the enterprise, all of which are included in the social co-ordination**. The proportion of employees' contributions is 8% of their own paid wages, and all of them are credited to their personal accounts.

2) Basic medical insurance: the employer pays about 6 of the total salary of the employee, and the individual pays 2 of the salary of the individual All the personal contributions are included in the personal account, and about 30 of the payment of the Shifu unit is transferred to the personal account, and the rest is used to establish the overall plan.

3) Unemployment insurance: The employer shall pay unemployment insurance premiums according to 2 of the total salary of the employer, and the employees of the employer shall pay unemployment insurance premiums according to 1 of their own wages. Work-related injury insurance and maternity insurance are entirely borne by the enterprise, and individuals do not need to pay for it.

The instructions are as follows: 1. Work-related injury insurance: work-related injury insurance premiums are paid by the enterprise, and the industry differential rate is implemented, and the collection standard is the total salary of all employees of the enterprise multiplied by the industry differential rate, and the current average work-related injury insurance rate generally does not exceed 1.

2. Maternity insurance: Enterprises pay maternity insurance premiums, and maternity insurance premiums are paid according to no more than 1 of the total salary. Social security can be transferred back and continued to be paid by yourself.

If the company does not provide maternity insurance, you can consider changing to a company that can provide five insurances, or you can buy insurance in advance.