What is included in labor insurance, and what insurance is included in labor insurance

Labor insurance mainly includes endowment insurance, medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance.

Labor insurance refers to the special expenses incurred by construction enterprises for the establishment of social security for employees and retirees. This is a kind of special expenses, and the scope of use includes: paying various subsidies for retired employees and laid-off workers according to regulations, including the withdrawal of various expenses for retired employees; Employee retirement pay, salary of employees on sick leave of more than six months, death and funeral allowance and bereavement allowance of employees; It also includes employee pension insurance, work-related injury insurance premiums, unemployment insurance, maternity insurance, engineering accident insurance premiums, employee training, etc., as well as other expenses that should be paid in labor insurance expenses according to regulations.

In accordance with the terms of the Regulations of the People's Republic of China on Labor Insurance, the collection and custody of labor insurance money must comply with the following provisions:

Article 7 The various expenses of labor insurance stipulated in these Regulations shall be borne by the administrative side or the management of the enterprise implementing labor insurance, part of which shall be paid directly by the administrative side of the enterprise or the employer, and the other part shall be paid by the administrative side of the enterprise or the management party and handed over to the trade union organization for handling.

Article 8 The administrative or management side of an enterprise that implements labor insurance in accordance with these Regulations shall pay a monthly fee equivalent to 3 percent of the total wages of all workers and employees of the enterprise as labor insurance money. This labor insurance premium shall not be deducted from the wages of workers and employees, and shall not be separately levied on workers and employees.

Article 10 When the administrative side of the enterprise or the employer fails to pay or fails to pay the labor insurance premiums within the time limit, it shall pay an additional late fee for each day, the amount of which shall be 1% of the unpaid part. If the payment is not made within 20 days after the due date, the grassroots committee of the trade union shall notify the local state bank to withhold the funds from the state-owned, local state-owned, public-private partnership or cooperative-operated enterprises; For private enterprises, the grassroots committee of the trade union shall report to the local people's labor administrative organ and investigate the responsibility of the enterprise.

Article 11 The custody of labor insurance funds shall be entrusted by the All-China Federation of Trade Unions to the People's Bank of China.

Labor insurance refers to a social security system in which workers who are unable to continue to work or temporarily interrupt their work for various reasons and receive material help from the state and society. In many countries, this is called social insurance. In China, labor insurance is a basic right obtained by workers after making certain contributions to the country and society, and this right is guaranteed through national legislation and has a mandatory nature.

It mainly includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, etc., and China has made comprehensive provisions on labor insurance through the "Social Insurance Law" and other relevant laws, regulations and rules.

Workers can get medical insurance if they get sick.

Labor insurance includes medical insurance.

Pension insurance, unemployment insurance, maternity insurance.

and workers' compensation insurance.

Labor insurance is a social security system.

When a worker is unable to continue working or temporarily interrupts his or her work due to some of the former attendants, the state and society will provide corresponding material assistance. When an employee is injured in the performance of work tasks or other official duties, all necessary medical expenses shall be paid by the work unit where the person carries the sales. For hospitalization and recuperation, part of the food expenses shall be subsidized by the work unit.

During the period of cessation of work** and recuperation, the original standard salary shall be paid. After the end of medical treatment, if part of the inability to work is able to work, the unit will assign appropriate work, and if the salary is reduced after the distribution of light work, a disability allowance will be paid. Those who are completely incapacitated for work may retire.

Employees suffer from occupational diseases due to the production environment.

or become disabled as a result, they are also entitled to work-related injuries or work-related disability.

At present, the labor insurance in China's current labor insurance system mainly includes endowment insurance, unemployment insurance, medical insurance, work-related injury insurance and maternity insurance.

1. Endowment insurance.

Endowment insurance refers to a form of social insurance that provides insurance compensation for workers within the statutory scope to ensure their basic living needs after they reach the statutory retirement age and retire from their formal jobs in accordance with the provisions of the state.

The main eligibility conditions for pension insurance benefits are that the employee has reached retirement age and the number of years of retirement service (or the number of years of insurance contributions). Among them, the retirement age remains at 60 years for men and 55 years for women. The length of retirement service or the number of years of insurance contributions refers to the number of years during which insurance premiums should be paid in full and on time from the beginning of employment.

If there is an interruption in the employment period, the payment period can be counted consecutively.

2. Unemployment insurance.

Unemployment insurance refers to a social insurance system in which the state or society provides basic living security for members of the working-age population who are able to work and are willing to work when they are temporarily unable to obtain the wage income necessary for their livelihood due to involuntary reasons.

3. Medical insurance.

Medical insurance refers to an insurance system in which social insurance institutions provide necessary medical services when social workers need medical treatment due to illness, injury or childbirth. The eligibility conditions for medical insurance are broader than those of other insurance programs, and there are no strict restrictions and grading such as age, length of service, and the number of years of contributions. Among them, the need for medical treatment due to work-related injuries and occupational diseases is only based on medical needs; Medical treatment due to illness is also sufficient as long as it meets the status of the legal insured.

4. Work-related injury insurance.

Work-related injury insurance refers to a social insurance system that provides medical security, living security, economic compensation and occupational compensation when a social filial piety worker suffers an accident in production and work and suffers from occupational injuries such as occupational diseases and suffers from occupational injuries, resulting in temporary or permanent loss of working ability. There are two main eligibility conditions for work-related injury insurance: one is to be disabled or suffer from an occupational disease due to work-related injury; The second is the identification of the degree of loss of working capacity.

5. Maternity insurance.

Maternity insurance refers to a system in which female employees are given economic compensation by the society for the temporary loss of working ability and interruption of income caused by childbirth. The eligibility conditions for maternity insurance are: the beneficiary can only be a female employee; The beneficiary must be legally married; Maternity protection focuses on rest and enhanced nutrition,** only medical care in exceptional cases; Maternity leave is arranged according to the needs of the childbearing period.

Labor insurance includes five types of insurance: medical insurance, unemployment insurance, endowment insurance, work-related injury insurance, and maternity insurance. Labor insurance is a social security system. When an employee is unable to work or temporarily interrupts his or her work due to some factors, the state and society will provide corresponding material assistance.

1. Guarantee: refers to the basic living security of workers;

2. Universality: Labor insurance is the insurance for all social workers;

3. Mutual assistance: use the cooperation of those who participate in the chiropractic insurance to assist a person who encounters a risk, help each other, and meet the urgent needs;

4. Compulsory: Restricted by national laws, the participation of company units and employees is compulsory;

5. Welfare: Labor insurance is a kind of behavior, not for the purpose of profit.

Labor insurance is necessary for the normal development of social manpower, and it also completes social equality, so that everyone has a share of the income that can guarantee the basic life of the individual, and also promotes the development of the society and maintains the stability of the society. This article mainly writes about what insurance-related knowledge points are included in labor insurance, and the content is for reference only.

Legal Analysis: Generally speaking, employers are required to pay five types of insurance to employees, and "five loose training insurance" refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. In addition, the employer can also pay for other insurances.

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.

Article 100 Where an employer fails to pay social insurance premiums for a banquet without reason, the labor administrative department shall order it to pay within a time limit; If the payment is not made within the time limit, a late fee may be imposed.

1. Social insurance includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. Social insurance is an important part of the social security system, and it occupies a central position in the entire social security system.

2. In addition, social insurance is a kind of social security with contributions, and the funds are mainly paid by the employer and the worker himself, and the financial department will give subsidies and bear the ultimate responsibility.

3. Characteristics of social insurance: Feature 1: The objective basis of social insurance is the risk in the field of labor, and the object of insurance is the personal life of the worker; Feature 2: The subject of social insurance is specific. Including workers (including their relatives) and employers;

4. Feature 3: Social insurance is compulsory insurance;

5. Feature 4: The purpose of social insurance is to maintain the reproduction of labor;

6. Feature 5: Insurance **** to the employer and the employee's payment and financial support. The scope of insurance is limited to employees and does not include other members of society. The scope of insurance is limited to various risks in labor risks, excluding other property and economic risks.

Legal analysis: social insurance includes basic pension, medical care, work-related injury, unemployment, and maternity insurance. The purpose of social security is to ensure that citizens have the right to receive material assistance from the state and society in case of old age or difficulties.

The employer shall pay the social insurance premiums in full, and the social insurance collection authority shall order the employer to pay or make up the amount within a time limit. If the payment is not made within the time limit, it may be paid in the form of allocation. In accordance with Article 2 of the Social Insurance Law of the People's Republic of China, the State shall establish a social insurance system of basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to receive material assistance from the State and society in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Legal basis: Social Insurance Law of the People's Republic of China Article 2 The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.