What are the unemployment insurance premiums and are unemployment insurance premiums social security

Unemployment insurance premiums are a type of social insurance premium.

Unemployment insurance refers to the system enforced by the state through legislation, established by the society in a centralized manner, and provided material assistance to workers whose lives are temporarily interrupted due to unemployment. Unemployment insurance is a type of social insurance, in which employers and employees jointly pay unemployment insurance premiums in accordance with state regulations. At present, the statutory contribution rate for unemployment insurance premiums is 2 percent of the total wages of the unit and 1 percent of the wages of the employees.

The part paid by individuals shall be withheld and paid by the unit.

Social Insurance Act

Article 44 Employees shall participate in unemployment insurance, and the employer and the employee shall jointly pay unemployment insurance premiums in accordance with the provisions of the State.

***。Unemployment Insurance Regulations

Article 2 Urban enterprises and public institutions, and employees of urban enterprises and public institutions, shall pay unemployment insurance premiums in accordance with the provisions of these Regulations.

Unemployed persons in urban enterprises and public institutions shall enjoy unemployment insurance benefits in accordance with the provisions of these Regulations.

The term "urban enterprises" as used in this article refers to state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises, and other urban enterprises.

Article 6 Urban enterprises and public institutions shall pay unemployment insurance premiums at the rate of 2 percent of their total wages. Employees of urban enterprises and public institutions shall pay unemployment insurance premiums at the rate of 1 percent of their wages. Peasant contract workers recruited by urban enterprises and institutions are not required to pay unemployment insurance premiums.

It is a social insurance premium under the Social Insurance Law

Unemployment insurance premiums are social security, as follows:

1. Unemployment insurance premiums shall be paid by social insurance agencies on a monthly basis at 80 percent of the local minimum wage standard. Provincial people** can make appropriate adjustments according to national regulations and the actual situation of the province, but shall not be higher than the local minimum wage standard or lower than the local minimum living security standard for urban residents;

2. Unemployment insurance is a system that is compulsory by the state through legislation, and funds are raised by employers, individual employees and state financial subsidies to establish unemployment insurance, provide material assistance to workers whose lives are temporarily interrupted due to unemployment, and create conditions for their reemployment through professional training, employment introduction and other means.

Legal basisArticle 58 of the Social Insurance Law of the People's Republic of China.

The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

<> What Does Unemployment Insurance Premiums Mean.

1. What does unemployment insurance premium mean?

Unemployment insurance premiums are actually the fees paid by the Social Security Bureau to those who are eligible to receive the disgrace disturbance, which is a temporary compensation for the unemployed who have no salary during the unemployment period, and unemployment insurance is also an important part of social security.

It is necessary to know that unemployment insurance money is mandatory for the state to purchase, which is funded by the work unit, individual contributions and relevant state subsidies and other channels to establish unemployment insurance**, which is a kind of help for the unemployed to lose their economy due to unemployment, in order to ensure the basic life.

2. How to pay unemployment insurance premiums.

In other words, unemployment insurance is paid jointly by the work unit and the individual in accordance with the provisions of the state, and it is divided into two types: employees of urban enterprises and public institutions and peasant contract workers recruited by urban enterprises and public institutions.

Generally, the employees of urban enterprises and institutions pay unemployment insurance premiums according to 1 percent of their wages, but if they are peasant contract workers recruited by urban enterprises and institutions, they do not need to pay unemployment insurance premiums.

3. The number of years in which unemployment insurance premiums can be paid unemployment insurance money.

If you have paid unemployment insurance premiums for more than one year, you can receive business insurance benefits, and at the same time, you must meet the conditions for unemployment insurance benefits.

You must know that as long as you have paid for one year and meet the conditions, you can apply to the local social security bureau to receive unemployment insurance money, and the unemployment insurance money can be received for up to two years.

The conditions for receiving unemployment insurance money are: those who have paid unemployment insurance for more than one year, are not voluntarily unemployed, and have also registered with the relevant departments for unemployment can receive unemployment insurance benefits.

1. Impact on enterprises: Among the five insurances that employees can enjoy, the payment of work-related injury insurance and maternity insurance is completely borne by the enterprise, and the payment burden is heavier, and reducing the unemployment insurance rate can reduce the cost of expenditure and reduce the burden of enterprise operation to a certain extent.

2. Impact on the market.

Many experts believe that a big reason for the heavy burden of enterprise tax and roller shirt fees lies in the fact that the social security payment and unemployment insurance rate can reduce the pressure on enterprises, improve their ability to make profits, help enhance the investment enthusiasm of enterprises, expand production and operation, thereby increasing jobs, reducing the unemployment rate, and making the market environment more optimized.

3. Impact on the unemployed.

The adjustment of unemployment insurance rates will help improve unemployment insurance policies and enhance the fairness of the unemployment insurance system.

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1. The employer shall pay 2 of the average monthly total salary of its employees in the previous year (changed to 2 in May 2009).

2. The individual employee shall pay according to the average monthly salary income of the previous year1, and the unit shall withhold and pay it on a monthly basis. Individual peasant contract workers are not required to pay unemployment insurance premiums.

3. If the average monthly wage of the employees of the employer in the previous year is lower than the average monthly wage of the on-the-job employees in the previous year of 60, 60 of the average monthly wage of the on-the-job employees in the city in the previous year shall be paid in proportion to the actual amount; If the average monthly wage of employees in the previous year is higher than the average monthly wage of on-the-job workers in Xianyang City in the previous year of 300, 300 of the average monthly wage of on-the-job employees in Xianyang City in the previous year shall be paid in proportion to the base.

1. Unemployment insurance collection process.

Consumers can follow the process below to receive unemployment insurance benefits.

1. Application Form for Unemployment Insurance Benefits (signed and sealed by the applicant);

2. Registration Form for Unemployment Insurance Application;

3. Notice of Application for Unemployment Insurance Benefits;

4. Certificate of Registration of Unemployed Workers;

5. Notice of Dissolution and Termination of Labor Relations (Contract);

6. Registration Form for Dissolution and Termination of Labor Relations;

7. Job Seeker Registration Form.

2. How to calculate unemployment insurance rates.

Unemployment insurance premium, that is, the proportion of unemployment insurance premiums paid by the contributor according to the prescribed payment base. The collection of unemployment insurance premiums at a fixed rate has been a practice that has been adopted since the establishment of China's unemployment insurance system, and it is also an international practice. The unemployment insurance contribution rate is:

The paying unit shall pay unemployment insurance premiums according to 2 of the total wages of employees in the current month; Paying individual unemployment insurance premiums at the rate of 1 of his or her monthly salary, which shall be withheld from his or her salary by the employer to which he belongs. If the average monthly wage of the employees of the contributory unit is lower than 60 of the average monthly wage of all employees in the previous year, the payment base shall be determined according to 60 of the average monthly wage of all employees in the previous year and the number of employees of the unit.

Article 3 of the Regulations on Minimum Wage for Enterprises issued by the Ministry of Labor stipulates that the minimum wage refers to the minimum remuneration that should be paid by the enterprise to which the worker works on the premise that he or she provides normal work during the statutory working hours.

Article 17 of the Regulations on Minimum Wage for Enterprises stipulates that the following items shall not be included as part of the minimum wage:

1. Overtime wages;

2. Allowance for special working environments and conditions such as middle shift, night shift, high temperature, low temperature, underground, toxic and harmful;

3. Workers' insurance and welfare benefits stipulated by national laws, regulations and policies.

Article 6 of the Minimum Wage Regulations clearly points out that the determination and adjustment of the monthly minimum wage standard shall take into account factors such as the minimum cost of living of local employees and their dependents, the consumption index of urban residents, the social insurance premiums and housing provident fund paid by individual employees, the average wage of employees, the level of economic development, and employment status. Accordingly, the minimum wage takes into account the social insurance contributions paid by individuals.

According to the current phased rate reduction policy, the total unemployment insurance rate is 1%. Within the administrative area of the province (autonomous region, municipality), the rate of units and individual contributors shall be uniform, and the individual rate shall not exceed the unit rate. The specific local rate is determined by each province (autonomous region, municipality), and the specific rate is recommended to consult the local social security agency.