What Factors Affect the Cost of Unemployment Insurance?

Unemployment insurance expense (unemployment insurance expense) refers to the expenses paid by employers and individual workers participating in unemployment insurance in accordance with the proportion of unemployment insurance premiums paid on time.

Unemployment insurance premium

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Proportional amount

The "Unemployment Insurance Regulations" issued by the State Council stipulate that urban enterprises and institutions pay unemployment insurance premiums at 2% of their total wages, and employees pay unemployment insurance premiums at 1% of their wages. Farmer contract workers hired by urban enterprises and institutions themselves do not pay unemployment insurance premiums. The total unit wage refers to the labor directly paid by the unit to all employees in the unit within a certain period of time.

condition

The Regulations on Unemployment Insurance stipulate that persons who meet the following conditions can receive unemployment insurance benefits ^[3]

Drawing on international experience, unemployed persons who voluntarily leave their jobs are excluded from the scope of enjoying unemployment insurance benefits.

The third is that unemployment registration has been completed and there are job search requirements. Applying for unemployment registration is a necessary procedure for unemployed people to receive unemployment insurance benefits. The purpose is to grasp the basic situation of unemployed people and confirm their qualifications. Unemployment registration is an important sign for unemployed people to enter the process of applying for unemployment insurance benefits. The unemployed can enjoy unemployment insurance benefits and must also have job search requirements. This is taking into account that an important function of unemployment insurance is to promote reemployment of the unemployed. To achieve this goal, on the one hand, we need to accelerate economic development and create more jobs; at the same time, we need to develop and improve employment services and provide services for unemployed people to re-employ; on the other hand, they also need to actively use various Employment opportunities and employment service facilities continue to improve their quality and enhance their ability to compete for employment. It can be said that this is a prerequisite for enjoying the benefits of unemployment insurance, and it is also the obligation of the unemployed. Under socialist conditions, the right to employment is a basic right of workers, and whether or not employment should be made by the workers according to their own wishes. The unemployed have the same rights as part of the workforce. In this sense, the unemployed have the freedom to choose employment or non-employment. Requiring unemployed persons who apply for unemployment insurance benefits to actively seek work can enable them to obtain the necessary employment services while obtaining basic living guarantees, strive for reemployment as soon as possible, and fundamentally solve the unemployment problem. When determining whether an unemployed person has a job search requirement, the criteria should be based on whether he or she has registered for employment with an employment agency and participated in reemployment activities.

The unemployed must meet the above conditions at the same time in order to apply for unemployment insurance benefits and other benefits. For those who do not meet the requirements, the unemployment insurance agency shall reject their application and inform them of the reasons for rejection.

the term

The unemployment insurance benefit collection period refers to the time during which eligible unemployed persons can continue to receive unemployment insurance benefits in accordance with relevant regulations. It is determined based on the time that the unemployed person has paid unemployment insurance premiums before the employer and the employee accumulatively pay. 24 months.

other

According to the relevant provisions of the unemployment insurance policy, if an unemployed starts a private enterprise, engages in self-employment, or self-organizes his employment during the period of receiving unemployment insurance benefits, he or she must rely on a copy of the business license or other valid certification documents, the articles of association and the status of investment Materials, you can receive the unemployment insurance benefits for the remaining period at one time (plus the month that has been collected after this approval, which cannot exceed 24 months), as supporting production funds.