How to pay for life insurance after a work injury

1.Outsmart Life belongs to the category of commercial insurance, and the key to whether to settle a claim depends on the type of policy and whether it meets the conditions for claims. There is no conflict between work-related injury insurance and commercial insurance, and if both meet the conditions for claims, they should both be claimed.

2.It is the legal obligation of the employer to pay work-related injury insurance for its employees, and the employer shall not be exempted from the responsibility of paying work-related injury insurance on the basis that the employee has purchased commercial insurance.

3.Regardless of whether the employer has purchased commercial insurance or not, once an employee has a work-related accident, the employer shall pay the relevant compensation to the injured employee according to the work-related injury benefits.

1) The medical expenses shall be paid in full by the employer;

2) During the period of suspension of work and salary (during the period of work-related injury**, **), the salary shall be paid according to the original treatment;

3) The unit is responsible for the need for nursing care during the suspension period;

4) The food subsidy during the hospitalization shall be paid according to the standard of the place where the injured employee is located;

5) If the person is disabled at grade 1-10 after the appraisal of his or her working ability, he or she can also enjoy disability allowance (grade 1-6 disability), one-time disability subsidy, one-time medical subsidy for work-related injury (received after the contract is terminated for grade 5-10 disability) and one-time disability employment subsidy (received after the contract is terminated for grade 5-10 disability).

Work-related injuries are paid by the social security institution, not by the insurance company.

If you are disabled due to an accident, you will be compensated according to the level of disability.

It depends on the type of insurance he has insured, and generally the work-related injury is reimbursed by the company first, but all Americans have insurance!

Chapter 12 Wage and Welfare Insurance.

Article 77: The State is to establish an insurance system for civil servants to ensure that civil servants receive assistance and compensation in the event of retirement, illness, work-related injury, maternity, unemployment, and so forth.

Civil servants who become disabled in the course of their duties shall enjoy the disability benefits provided for by the state. Where civil servants die in the line of duty, or die of illness in the line of duty, their relatives enjoy the bereavement benefits and preferential treatment provided for by the state.

If an employee dies on the job, his immediate family members shall receive funeral allowances, pensions for dependent relatives and one-time work-related death subsidies from work-related injury insurance** in accordance with the following provisions:

1. The funeral subsidy is 6 months of the average monthly wage of employees in the overall area in the previous year;

2. The pension for dependent relatives shall be paid to the relatives who provided the main living allowance and were unable to work according to a certain proportion of the employee's own salary. The standard is: 40 per month for spouses, 30 per month for each other relative, and 10 per month for each elderly or orphan who is lonely or orphaned.

The sum of the approved pensions for dependent relatives shall not be higher than the wages of the employee who died in the course of work. The specific scope of support for relatives shall be prescribed by the labor and social security administrative department;

3. The standard of one-time work-related death subsidy is the average monthly wage of employees in the overall area of 48 months to 60 months in the previous year. The specific standards shall be reported to the people of provinces, autonomous regions and municipalities directly under the Central Government for the record in accordance with the provisions of the local economic and social development conditions.

4. If a disabled employee dies due to a work-related injury during the period of suspension of work with pay, his or her immediate family members shall enjoy the benefits provided for in the first paragraph of this article.

Hello, I was a former civil servant and resigned to pursue the profession of lawyer. The above answers are incorrect, and the Regulations on Work-related Injury Insurance apply to work-related injuries that occur during the employment relationship between the employer and the employee. Article 2 of the Regulations on Work-related Injury Insurance stipulates that the scope of application is all types of enterprises and individual industrial and commercial households with employees within the territory of the People's Republic of China.

Article 62 of the Regulations on Work-related Injury Insurance stipulates that if a staff member of a state organ or a public institution or social organization that conducts personnel management in accordance with or with reference to the state civil service system suffers an accident injury or suffers from an occupational disease as a result of his or her work, the employer shall pay the expenses. The specific measures shall be formulated by the labor and social security administrative department in conjunction with the personnel administration department and the financial department.

Therefore, the "Regulations on Work-related Injury Insurance" does not apply to the work-related injury benefits of civil servants, and the regulations on work-related injury benefits for civil servants vary from province to province, which are generally determined by a document jointly issued by the Department of Labor and Personnel and the Department of Finance. You can consult the local human resources bureau or the finance bureau for this document, and you have the right to request access and disclosure of the document in accordance with the ** Information Disclosure Regulations. Then it will be implemented in accordance with the work-related death benefits stipulated in the document.

Usually you go to the personnel bureau and they will tell you what to do.

The Regulations on Work-related Injury Insurance do not apply to the work-related death of civil servants, as long as they are aimed at enterprises.

This is because the compensation for civil servants under the Regulations on Work-related Injury Insurance is too low.

There are currently no specific regulations to adjust.

As long as you are sure that it is a work-related death, then it must be compensated in accordance with the work-related injury insurance regulations, there is absolutely no objection to this, I don't know that so many people above have said some of the above nonsense, and the specific standards refer to Article 37 and 38 of the work-related injury insurance regulations.

I am now engaged in the identification of work-related injuries, and I understand that the regulations on this issue are inconsistent in different places.

First of all, the "Regulations on Work-related Injury Insurance" originally did not apply to civil servants, reference managers, and personnel in the establishment of undertakings, and this can be clearly seen in Articles 2 and 62 of the Regulations.

However, the regulations do not block their access to work-related injury assistance, as can be seen from Article 62.

Many local civil servants and personnel of public institutions are not included in the work-related injury insurance, that is to say, the unit does not pay the work-related injury insurance premiums to the employees, which is the reason of the system, because there is no system regulation, the financial budget is not included, and the unit has no money to pay. The unit will not accept it when it is handed over to the insurance agency.

The result of this failure is that after the work-related injury occurs, the finance department does not take the money, and the employer pays the money. Logically speaking, the organs and the institutions with full appropriations have no money, and all the money is allocated by the treasury, so the units actually have to contribute money from the treasury, and the finance department does not have this budget, so the result is that no one takes the money.

Enterprises are different, as long as they pay work-related injury insurance, work-related injury benefits are paid from work-related injury insurance, and they do not need to be paid by the unit or finance.

However, there are also some localities that have included civil servants and personnel of public institutions in work-related injury insurance.

We Weifang is like this, Shandong Province in 2005 issued the "Shandong Province Provincial Organs and Institutions Staff Injury Handling Interim Measures", Weifang City in 2005 with reference to this provision issued the "Weifang City Organs and Institutions Staff Work-related Injury and Disability Treatment Interim Measures", but the treatment still has to be paid by the unit itself. In 2008, Weifang City issued regulations requiring public institutions to be included in work-related injury insurance, and in 2010, civil servants and reference management personnel were included in work-related injury insurance. In this way, in our city, starting from the end of this year, employees, civil servants, reference management, and public institutions have all participated in work-related injury insurance, and as long as a work-related injury occurs, various compensation and treatment will be paid by work-related injury insurance.

The identification of civil servants, work-related injury management, labor ability appraisal, and work-related injury benefits are all implemented in full accordance with the Regulations on Work-related Injury Insurance.

If your area is included in the work-related injury insurance, like our city, then all work-related injury benefits are available and paid by the work-related injury insurance**. If it is not included in the work-related injury insurance, then many benefits are gone. You can consult your local Human Resources and Social Security Bureau about these policies.

No, civil servants do not refer to the "Regulations on Work-related Injury Measures", but compensate according to the relevant regulations of the Human Resources and Social Security Bureau.

Compensation shall not be made in accordance with the Regulations on Work-related Injury Insurance, as otherwise provided therefor.

If it is a unit, there are systems and policies, and there is nothing to dispute.

Hello, according to the national workers' compensation standards.

The one who is high will be paid according to that one!

Hello, friend: In this case, only personal accident insurance cannot be claimed! In fact, there are many types of insurance, and the insurance contract states what responsibilities are true, if your friend has inpatient medical treatment, you can be reimbursed proportionally after hospitalization.

As for cancer, it is a critical illness insurance liability, and if it is not insured, it cannot be claimed! Hope it helps with your queries!

Hello! Insurance advice must be Zhou Zhou full protection plan, major illness, minor illness, accident no matter what happens will be claimed You currently only have accident insurance, cancer is a serious illness, hospitalization insurance you are not on, so, can not claim my homepage for the above has more cases and information, if interested, you can contact me for you to do a demand analysis and a detailed plan for you, I hope it will help you, I wish you happiness and peace!

If a friend only buys accident insurance and does not have hospitalization medical insurance and critical illness insurance, he will not be able to make a claim. Before applying for insurance, you must communicate with the person in detail, and the person will design a comprehensive protection plan according to the insured's own situation. Rather than choosing a product at random by hearsay, or paying a symbolic amount of money and buying some insurance.

Reference: What is the most important choice to buy insurance?

Hello! If your friend only buys accident insurance, there is no claim, whether it is gallstone surgery, or cancer, this is a disease, you must buy medical insurance or critical illness insurance, after all, if you buy an air conditioner, can you use it as a TV?

Hello, I bought accident insurance, and I don't have to pay for a serious illness. The first thing to look at when buying insurance is the insurance liability.

Personal accident insurance will not be claimed, has your friend purchased critical illness insurance?

Insurance subdivisions, accident insurance, medical insurance, critical illness insurance, pension insurance and other ......It depends on what kind of insurance your friend's insurance is.

Accident insurance is an accident medical insurance that manages the insured's injury, disability, death and other accidents, and the insurance that compensates for medical expenses if the insured unfortunately suffers from headaches, colds and other diseases, and the insurance that compensates for the expenses of critical illnesses if the insured unfortunately suffers from a critical illness.

1. Whether there is an exemption from liability: for example, driving without a license, driving without a license, drunk and so on.

2. Whether the disability meets the disability standards of the insurance industry. The standards used by the insurance industry are independent and much more stringent than the disability standards for road traffic accidents.

3. Whether the medical expenses have been fully covered by the other party. In accordance with the Insurance Law and the principle of loss compensation stipulated by the Insurance Regulatory Commission.

The insurance company's compensation is a third-party liability, which means that if someone is liable to compensate the insured, the insurance company will only pay the remaining loss.

Your father's situation may be that the party responsible for the accident has already paid compensation or the liability has not yet been determined.

The main thing is to see if there are special terms and deductible clauses on your insurance, if you don't meet the compensation conditions, people will not pay!

So what is the reason why the insurance company does not pay?

1. It is not legal for all companies to deal with it in this way! Although Zhang Yi and his wife are divorced, the beneficiary of the insurance is still his wife, and this beneficiary is protected by law, and no one can encroach on the beneficiary's rights for any reason, so the insurance money should be given to his wife, and the rest of the people are not entitled to receive it!

According to the provisions of the Insurance Law, as long as Zhang Yi does not change the beneficiary, the insurance money should be given to Zhang Yi's ex-wife Liu Er, and the Insurance Law and the Inheritance Law are two different things and cannot be confused.

It's not the right thing for businesses to do in this way.

The insurance money should be paid to his wife.

1.Claims can be made separately;

2.Insurance.

3.Work-related injuries can also be subject to work-related injury insurance regulations.

Social Security may reimburse a portion of the reimbursement, which is unlikely.

In the case of personal insurance, as long as you are hospitalized**, you can be reimbursed part of the expenses.

It depends on whether you buy peace of mind hospitalization medical insurance.

Of course not, insurance covers unforeseen risks in the future, and your situation is not covered.