What Is Private Unemployment Insurance?

Unemployment insurance is enforced by the state through legislation. Employers, individual workers' contributions, and state financial subsidies raise funds to establish an unemployment insurance fund. It provides material assistance to workers who temporarily interrupt their source of life due to unemployment to protect their basic lives. , And a system that creates conditions for its reemployment through professional training, job placement and other means.

The social security system includes aspects such as social insurance, social relief, social welfare, social assistance and resettlement, and basic living security and reemployment of laid-off workers in state-owned enterprises. Social insurance includes

Among the unemployment insurance benefits, the medical subsidy is the subsidy received by the unemployed insurance agency when the unemployed gets medical treatment. The standard is determined by the people's governments of provinces, autonomous regions, and municipalities. Generally, it includes outpatient clinics that are paid with unemployment insurance monthly There are two parts: medical expenses and medical expenses reimbursed in accordance with the prescribed ratio. If an unemployed person dies during the period of receiving unemployment insurance benefits, his family members can receive one-time funeral subsidies and pensions according to the standards of local employees on the job; vocational training and employment introduction subsidies In order to encourage and help the unemployed to regain employment as soon as possible,

Unemployment Insurance Fund is

Establishing an unemployment insurance fund

1. Unemployed persons can enjoy unemployment insurance benefits if they meet the following conditions:

(1) Participate in unemployment insurance in accordance with regulations, and the units and individuals who have fulfilled their obligations to pay contributions have completed one year in accordance with regulations;

(2) Those who have not interrupted employment due to their own wishes;

(3) Those who have registered for unemployment and have job search requirements.

2. It is a case of interruption of employment that is not the intention of the person:

(1) Terminating a labor contract;

(2) The employer has terminated the labor contract;

(3) being fired, removed, or fired by the employer;

(4) Forced labor or termination of employment contract with the employer due to violence, threats or illegal restrictions on personal freedom by the employer;

(5) Terminating the labor contract with the employer because the employer fails to pay labor remuneration or provide labor conditions in accordance with the labor contract;

(6) Other laws and regulations.

3. Period for receiving unemployment insurance benefits:

Article 46 of the "Social Insurance Law" stipulates: "If the unemployed person and the employer have paid a total of one year and less than five years, the maximum period for receiving unemployment insurance benefits is twelve months; For ten years, the maximum period for receiving unemployment insurance benefits is eighteen months; for accumulative contributions for more than ten years, the maximum period for receiving unemployment insurance benefits is twenty-four months. After re-employment, if you are unemployed again, the payment period To recalculate, the period of receiving unemployment insurance benefits and the period of unemployment insurance benefits that should have been received in the previous unemployment period but not yet received, shall be calculated in a maximum of 24 months.

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The application process for unemployment insurance varies from place to place. Please refer to the latest local policies and regulations for details.

Taking the working process of Shijiazhuang City Unemployment Insurance Management Office as an example, the process of applying for unemployment insurance payment and reviewing benefits is as follows:

(I) Application for Unemployment Insurance

(1) The unemployed person holds his or her own certificate and the termination or cancellation of the original unit

According to the analysis of China's situation, the main causes of unemployment are as follows:

The first is oversupply of labor. China is the world s largest population. At the end of 1998, the total population reached 1.25 billion people, of which

The Ministry of Human Resources and Social Security issued the "Notice on Issues Concerning Persons Receiving Unemployment Insurance Benefits to Participate in Employees' Basic Medical Insurance". The Notice clearly states that the basic medical insurance premiums payable by employees receiving unemployment insurance benefits to participate in employee medical insurance are paid from the unemployment insurance fund, and individuals do not pay.

The "Notice" requires that those who receive unemployment insurance benefits shall participate in the employee medical insurance of the place where the unemployment insurance is insured before unemployment. The payment rate of employees receiving unemployment insurance benefits to participate in employee medical insurance shall, in principle, be determined according to the payment rate of the overall planning area. The payment base can be determined with reference to a certain percentage of the average salary of the staff and workers in the previous year, with a minimum of not less than 60%. The period for the unemployment insurance agency to pay basic medical insurance premiums for those who receive unemployment insurance benefits is the same as the period for which they receive unemployment insurance benefits.

From the month of participating in employee medical insurance, those who receive unemployment insurance benefits will enjoy the corresponding inpatient and outpatient medical insurance benefits in accordance with regulations. The period of benefits is the same as the period of receiving unemployment insurance benefits ^{. 5]}

On February 25, 2015, Premier Li Keqiang of the State Council presided over an executive meeting of the State Council and decided to unify the unemployment insurance rate from 3% to 2% under the current regulations. ^[6]

From May 1, 2016, the total unemployment insurance premium rate can be gradually reduced to 1% to 1.5% on this basis, of which the personal premium rate does not exceed 0.5%. ^[7]