What kind of insurance compensation can teachers in public institutions get after an accident in the

In this case, it is easy to say that there is monitoring, so check the monitoring and see what is going on. If it is a death from illness, then the school is not responsible, but this situation can be recognized as a work-related injury, and the family of the deceased can enjoy work-related injury benefits. If something else happens, it's a matter of the situation.

As for your statement that it took 15 minutes to be discovered, if the school did not delay the treatment, it is not good to conclude that the school is responsible based on this alone.

If it is a sudden illness death, the school is not responsible, but if it is a working day, it can be considered a death due to work. If the teacher dies because of the school, the school has some responsibility.

If a teacher dies during the course of work, no matter what the cause of death can be recognized as a work-related injury, and the school must be responsible. The school was monitored but not detected in time, and there was no major fault on the part of the school. Teachers are insured by the school with campus accident insurance from a commercial insurance company, and the insurance company should pay the claim.

The school will also compensate the family of the deceased in accordance with regulations.

The school is responsible, but it only determines the work-related injury, and the presence of monitoring does not mean that it will be detected immediately.

Hello, accident insurance belongs to commercial insurance, does not belong to the national social insurance category, the state only buys basic pension, medical and other insurance, more to buy the state has no money, you can go to the commercial company to buy accident insurance.

Pensions are certainly not the same everywhere.

Because the amount of social security contribution is calculated based on the local average salary of the previous year, and it is not the same every year.

For example, if the average salary of a community is 20,000 yuan, then the pension insurance payment is 20,000 * 20% = about 4,000 years, and the medical treatment is 20,000 * 10% = about 2,000 years.

In addition, the minimum and maximum levels are also stipulated, and the payment of the lowest level shall not be less than 60% of the average monthly wage of employees at the social level, and the highest level shall be 300% of the average monthly salary of employees. Generally, the lowest grade is the majority.

For accumulation, it is a local accumulation, and if the relationship is transferred, the accumulation period needs to be recalculated.

Yes, the minimum payment period of endowment insurance is 180 months, that is, 15 years, you can pay more, and you can receive more at that time. At the same time, the pension insurance can be accumulated to calculate the payment period, that is, intermittent payment is allowed. Medical insurance needs to be paid for at least 25 to 30 years, and when you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the renewal is usually possible).

The current retirement age is 60 for men and 55 for women. Of course, under special circumstances such as engaging in high-risk jobs and losing the ability to work, you can apply for early retirement and receive pension benefits.

1. If you do not find a new employer, you can find a company that pays social security on your behalf to pay social security for you.

2. If you do not find a new employer, you can also pay the pension insurance for urban residents as a free person.

This is not necessarily, the key depends on the specific terms and conditions of the type of insurance insured. If the "loss compensation principle" is applied to the insurance purchased, it is impossible to get double compensation, and the purchase of two insurance policies for the same insurance subject is a duplicate insurance. If the "principle of compensation for losses" does not apply, then both policies should be compensated accordingly after the occurrence of an insured event.

For example, A has a house worth 500,000. a. Purchase a house fire insurance with an insurance amount of 500,000 yuan from each of the two property insurance companies. Now A's house has suffered a loss of 300,000 yuan due to the fire, A can choose to claim 300,000 yuan from either of the two insurance companies, but he can't ask each of them to pay me 300,000 yuan.

Because property damage insurance applies the principle of loss compensation, it is impossible to lose 300,000 yuan and pay 600,000 yuan, otherwise the moral hazard will be greatly increased.

If A buys 500,000 death insurance for himself in two life insurance companies, then once A dies due to an insured accident, both insurance companies need to pay 500,000 yuan to the beneficiary according to the contract. Because human life is priceless and does not meet the principle of compensation for losses, it is possible to receive double insurance benefits.

The amount of insurance compensation is determined according to the amount of loss caused by the insured accident, and it is not necessary to buy multiple insurances and multiple insurances can be insured. For example, if the sum insured of both insurance policies is 100,000 yuan, and the loss caused by the insured accident is only 80,000 yuan, then only one policy is sufficient. If the loss caused by the insured event exceeds $100,000, then you can claim that both policies are insured.

Life insurance or something else?

There is a principle of insurance that customers should not be allowed to obtain undeserved benefits because of losses. For example, property insurance, which can be priced, the house is worth 1 million, no matter how many insurances you buy, if the house is insured, all the claims will not exceed 1 million, which should be understandable.

If you ask about life insurance, there are two situations, compensation and reimbursement, compensation refers to death, serious illness, because life is priceless, unlike how much money can be priced in a house, and you can get compensation if you buy multiple copies. Another type of reimbursement refers to medical treatment, for example, how much money was spent on seeing a doctor or hospitalization, this is a number of invoices, even if you buy multiple insurances, you can quote the number on the invoice at most.

What types of insurance? Car insurance or accident insurance or something else...

From January 1, 2011, the newly revised "Regulations on Work-related Injury Insurance" and the new provisions involving public institutions are as follows:

1. Expanded the scope of application of work-related injury insurance: The scope of application of work-related injury insurance has been expanded to all kinds of public institutions, social organizations, as well as private non-enterprise units, associations, law firms, accounting firms and other organizations that are not managed with reference to the Civil Servants Law.

3. Simplifying the procedures for determining work-related injuries: the provisions on the pre-reconsideration of administrative reconsideration in the handling of disputes over work-related injury determination have been cancelled, and the time for work-related injury determination has been shortened; A simplified procedure for the determination of work-related injuries has been set up, and the time limit for the determination of work-related injury determination applications where the facts are clear and there is no dispute between the two parties has been shortened from the original 60 days to 15 days.

4. Substantial increase in work-related injury insurance benefits: the standard of one-time work-related death subsidy has been increased from the original 48 to 60 months of the average monthly wage of employees in the overall planning area in the previous year to 20 times the per capita disposable income of urban residents in the previous year; At the same time, the one-time disability allowance for disabled employees has been adjusted.

5. Added ** expenditure items: the "hospital meal subsidy", "transportation and accommodation expenses for medical treatment outside the overall planning area" and "one-time medical subsidy when terminating or dissolving labor relations" originally paid by the employer for injured employees will be changed to be paid by work-related injury insurance.

6. Increased coercion: A new provision has been added that the payment of medical expenses for work-related injuries will not be stopped during the period of administrative reconsideration and administrative litigation. Administrative penalties for employers who do not participate in work-related injury insurance and refuse to assist in the investigation and verification of work-related injury determination have been added, and the compulsory force of work-related injury insurance has been increased.

The criteria for determining work-related injuries in public institutions are as follows:

Article 14 of the Regulations on Work-related Injury Insurance An employee shall be deemed to have suffered a work-related injury if he or she has any of the following circumstances:

1) Being injured in an accident during working hours and in the workplace due to work-related reasons;

2) Being injured in an accident while engaging in work-related preparatory or finishing work in the workplace before or after working hours;

3) Injured by violence or other accidents during working hours and in the workplace due to the performance of work duties;

4) Suffering from occupational diseases;

5) Injured or unaccounted for in an accident while away for work;

6) Injured in a traffic accident or an accident involving urban rail transit, passenger ferry, or train for which they are not primarily responsible;

7) Other circumstances that laws and administrative regulations provide shall be recognized as work-related injuries.

Article 15 An employee shall be deemed to have suffered a work-related injury under any of the following circumstances:

1) Died of a sudden illness during working hours and at work, or died within 48 hours after rescue efforts failed;

2) Suffering harm in emergency rescue and disaster relief or other activities to preserve national or public interests;

3) Employees who previously served in the army, were disabled due to war or duty injuries, and have obtained the certificate of revolutionary disabled soldiers, and were injured after arriving at the employer.

Where employees have any of the circumstances in items (1) or (2) of the preceding paragraph, they shall enjoy work-related injury insurance benefits in accordance with the relevant provisions of these Regulations; Employees who have the circumstances in item (3) of the preceding paragraph shall enjoy work-related injury insurance benefits other than a one-time disability subsidy in accordance with the relevant provisions of these Regulations.

1. Article 14 of the Regulations on Work-related Injury Insurance stipulates that an employee shall be recognized as a work-related injury if he or she has any of the following circumstances:

1) Being injured in an accident during working hours and in the workplace due to work-related reasons;

2) Being injured in an accident while engaging in work-related preparatory or finishing work in the workplace before or after working hours;

3) Injured by violence or other accidents during working hours and in the workplace due to the performance of work duties;

4) Suffering from occupational diseases;

5) Injured or unaccounted for in an accident while away for work;

6) Injured in a traffic accident or an accident involving urban rail transit, passenger ferry, or train for which they are not primarily responsible;

7) Other circumstances that laws and administrative regulations provide shall be recognized as work-related injuries.

2. Procedures for the identification of work-related injuries, Article 17 of the Regulations on Work-related Injury Insurance stipulates that if an employee is injured in an accident or is diagnosed or appraised as an occupational disease in accordance with the provisions of the Law on the Prevention and Treatment of Occupational Diseases, the unit to which he or she belongs shall, within 30 days from the date of the accident injury or the date of diagnosis or appraisal of the occupational disease, submit an application for work-related injury recognition to the social insurance administrative department of the coordinating area. In case of special circumstances, the time limit for application may be appropriately extended with the consent of the social insurance administrative department.

If the employer fails to submit an application for recognition of work-related injury in accordance with the provisions of the preceding paragraph, the injured employee or his close relatives or trade union organization may, within one year from the date of occurrence of the accident injury or the date of diagnosis or appraisal of an occupational disease, directly submit an application for recognition of work-related injury to the social insurance administrative department of the coordinating area where the employer is located.

Matters that shall be determined by the provincial-level social insurance administrative department in accordance with the provisions of the first paragraph of this Article shall be handled by the social insurance administrative department at the districted-city level where the employer is located in accordance with the principle of territoriality.

If an employer fails to submit an application for determination of work-related injury within the time limit specified in the first paragraph of this Article, the employer shall bear the relevant expenses such as work-related injury benefits incurred during this period that comply with the provisions of these Regulations.

3. Grade 7 to Grade 10 disability benefits, Article 37 of the Regulations on Work-related Injury Insurance stipulates that if an employee is identified as a grade 7 to 10 disability due to work-related disability, he or she shall enjoy the following benefits:

1) A one-time disability subsidy shall be paid according to the level of disability from work-related injury insurance, and the standard is: 13 months' salary for grade 7 disability, 11 months' salary for grade 8 disability, 9 months' salary for grade 9 disability, and 7 months' salary for grade 10 disability;

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

Hello! I am a formal physical education teacher, July 2011 labor injury, Chuxiong City, Chuxiong Prefecture, Yunnan Province since November 2011 to purchase work-related injury insurance and *** provisions of the "Regulations on Work-related Injury Insurance" implemented from January 1, 2011 conflict, resulting in the work-related injury medical treatment, medical insurance reimbursement of admission ** medical surgery costs, all other expenses incurred are not reimbursed, how can I seek help to solve?

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceFor friends aged 0-20, you can choose critical illness insurance, medical insurance and accident insurance first

How do I buy insurance for someone under 20 years old? Before adulthood, in the period of physical and mental growth and development, illness is inevitable, so it is excellent to have a medical insurance, and the bits and pieces of medical expenses can be reimbursed; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so you can consider purchasing an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

If you are in the growth stage (20-30 years old), it is recommended that you buy critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, has reached the age of their own responsibility, at this time the body is young, good spirit, there is no concept of accidents and risks, always feel that it will not happen to themselves, in fact, it is not, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the total cost will not be too expensive, a month is only a few dozen, you can consider it, in line with this age group of friends can see the previous answer of the senior sisterA trick to teach you to buy cost-effective commercial insurance for your 20sYou can take a look at this article.

Insurance strategy for those over 30 years old and under 50 years old: It is recommended to purchase critical illness insurance, accident insurance, and medical insurance

What tricks do you have to buy reliable insurance for your 30s? At this time, buying insurance is more for your family than yourself. When people reach middle age, their physical health is declining, but the pressure is increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If you are unable to continue to be the breadwinner of your family due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

For how to buy the right insurance without spending money in vain, the key is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).