Who will pay the medical insurance after the unit retires, and who will pay the medical insurance af

Here are some of the regulations of social security, so let's see for yourself.

The three insurances are the most basic social insurance; Including: endowment insurance, medical insurance, unemployment insurance.

The three insurances belong to social insurance, which is usually said now"Five insurances and one housing fund"The specific five insurances are: endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; One gold is: housing provident fund.

The payment of three insurances is stipulated in the national social security policy, and any employer should insure its employees. As long as you have signed an employment contract with your employer, it should insure you.

However, these three insurances are not paid entirely by your employer, but by yourself and your employer. According to the wages of employees, the proportion of units and individuals is generally as follows: 20% for pension insurance units and 8% for individuals; 6% for medical insurance units and 2% for individuals; Unemployment insurance units bear 2% and individuals 1%.

Pension insurance is mainly used to receive a pension after retirement in the future, in case life is bleak in old age.

Medical insurance is mainly when you are sick and hospitalized, and the employer can reimburse about 50 expenses, which is also very important. Workers' compensation insurance is even more clear.

There are also five insurances and one housing fund, how to insure employees.

About five insurances and one housing fund:

Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are fully borne by enterprises. Individuals do not need to pay. It should be noted here that the "five insurances" are statutory, while the "one gold" is not.

What is the contribution ratio of "five insurances and one housing fund"?

At present, the proportion of pension insurance contributions in Beijing: units.

If the unit goes bankrupt, the medical insurance shall be paid by the individual.

If it is an internal retirement, the employer will bear 8% and the individual will pay 2%.

At the time of retirement, it will be liquidated for a lump sum of 10 years (the unit does not pay the individual).

1. Who pays for the medical insurance after the employee retires.

1. After the employee retires, the chain is discussed, and the medical insurance is paid by the self-loss. After the employee retires, he or she also needs to pay about 3,000 employee medical premiums, and if he does not pay the medical premiums, he will not be given medical expenses, which is about 100 yuan per month. Generally, the employees of enterprises are required to make supplementary contributions on an individual basis.

2. Legal basis: Article 27 of the Social Insurance Law of the People's Republic of China.

Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the state, and the basic medical insurance premiums will not be paid after retirement, and they will enjoy the basic medical insurance treatment in accordance with the provisions of the state; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

2. What materials are required for the supplementary payment of medical insurance for retired employees.

1. Insured personnel who enjoy the retirement benefits of enterprise employees shall provide retirement certificates;

2. The industry co-ordination retirees shall provide the original and photocopy of the "Employee Retirement and Retirement Approval Form" and the "Approval Form for the Deemed Payment Period of Employees' Continuous Service Age";

3. Insured personnel who enjoy the retirement benefits of civil servants and employees of public institutions shall provide the original and photocopy of the "Retiree Registration Form" or the "Pension Audit Form for Retirees";

4. The insured person has the original copy of the empty grandson certificate.

The insured submits the application materials to the retirement medical insurance supplementary payment window, and the staff reviews the application materials. If the conditions are met and the materials are complete, they will be entered into the business system after acceptance. After the completion of the process, the "Notice of One-time Supplementary Payment of Basic Medical Insurance for Urban Employees" will be fed back to the applicant, and the applicant will be informed to go through the relevant procedures and pay the fee at the window of the Social Security Department.

After the retirement of employees, individuals will no longer pay various social insurance premiums, and the medical insurance premiums of retired employees shall be borne by the units before retirement.

1. Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years specified by the state, and the basic medical insurance premiums will not be paid after retirement, and they will enjoy the basic medical insurance treatment in accordance with the provisions of the state; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

2. Individuals who participate in the basic endowment insurance and have paid for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Legal basis

Social Insurance Law of the People's Republic of China

Article 16 Individuals who participate in the basic endowment insurance and have paid for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations. Article 27 Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the State, and they will no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance benefits in accordance with the provisions of the State; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state. Article 19 If an individual is employed across the overall planning area, his basic pension insurance relationship shall be transferred with him/herself, and the payment period shall be calculated cumulatively.

When an individual reaches the statutory retirement age, the basic pension is calculated and paid in stages. The specific measures are stipulated by ***. Article 17 If an individual participating in the basic endowment insurance dies due to illness or non-work-related reasons, his surviving family members may receive funeral subsidies and pensions; Those who completely lose their ability to work due to illness or non-work-related disability when they have not reached the statutory retirement age may receive sickness and disability allowance.

The required funds are paid out of the basic pension insurance**.

Criteria for the inclusion of medical insurance personal accounts after retirement:

The basic medical insurance premiums paid by the individual employees are fully transferred to their personal accounts (i.e., on their social security cards);

The basic medical insurance premiums paid by the employer shall be transferred to the personal accounts of the employee brigade and retirees in the following proportions:

Employees under the age of 35 shall be included according to the payment base of their basic medical insurance;

Employees between the ages of 35 and 44 shall be included according to the payment base of their basic medical insurance;

Employees over 45 years old shall be included according to the payment base of their basic medical insurance;

Retirees shall be classified according to 4% of the per capita contribution base of the in-service employees of the unit.

Retirees of state-owned closed and bankrupt enterprises and elderly laid-off workers of state-owned enterprises who pay the medical expenses for the rest of their lives in a lump sum shall be transferred to their personal accounts at the rate of 4% of 60% of the average salary of the city in the previous year.

Employee medical insurance is generally divided into individual accounts and pooled accounts, including:

The following fees are available for personal accounts:

Designated retail pharmacies purchase expenses, outpatient and emergency medical expenses;

It is used to purchase commercial insurance, accident insurance, etc.;

Medical expenses below the minimum payment standard of basic medical insurance**;

If the minimum payment standard of basic medical insurance is exceeded, the expenses payable by the individual shall be borne in proportion.

If the personal account is insufficient to pay the part, the payment will be made by the person in question.

2.The pooled account mainly pays the following fees:

Medical expenses for hospitalization**;

Outpatient medical expenses for radiation to malignant tumors**, kidney dialysis, and anti-rejection drugs after kidney transplantation;

For patients admitted to the hospital** after emergency rescue, the medical expenses of the patient who stay for seven days before hospitalization.

Legal basis: Article 27 of the Social Insurance Law of the People's Republic of China stipulates that individuals who participate in the basic medical insurance for employees who have reached the retirement age in Faxian Town and have paid for the number of years specified by the state shall no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance treatment in accordance with the provisions of the state; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

Legal analysis dry search: when retirees handle retirement, the hidden state is not enough to pay for the number of years, and they need to pay in full in order to continue to enjoy medical insurance benefits after retirement. In this case, the treatment is different for each region.

You must ask your local health care provider for this. In some areas, it is stipulated that the burden should be borne by the individual, because the employees of the enterprise no longer have a labor relationship with the enterprise after retirement, so naturally the enterprise can no longer pay the premium. However, in some regions, it is stipulated that the enterprise should pay the fee, on the grounds that the employee has retired in the enterprise and has made contributions to the enterprise, and the retiree is in a disadvantaged position relative to the enterprise, so the enterprise should pay the fee.

In some areas, a compromise method is adopted, as long as the enterprise continues to pay medical insurance, retired workers can enjoy medical treatment, and do not need to pay this part of the cost, but when the enterprise closes down and liquidates, it must make up this part of the premium for the retired employees.

Legal basis: Article 23 of the Social Insurance Law Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state. Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 27 Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the State, and they will no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance benefits in accordance with the provisions of the State; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

Article 1 Workers of enterprises, public institutions, party and government organs, and mass organizations owned by the whole people shall retire if they meet one of the following conditions. (1) Men are at least 60 years old, women are at least 50 years old, and have worked continuously for 10 years. (2) Engaged in underground, high-altitude, high-temperature, particularly heavy physical labor, or other work harmful to physical health, where men are at least 55 years old, women are at least 45 years old, and have worked continuously for 10 years or more.

This provision also applies to grassroots cadres whose working conditions are the same as those of workers. (3) Men who have reached the age of 50 and women who have reached the age of 45, who have worked continuously for 10 years or more, and who have been certified by the hospital and confirmed by the labor appraisal committee that they are completely incapacitated to work. (4) Disabled due to work, certified by the hospital and confirmed by the labor appraisal committee, completely incapacitated to work.