What Is the Source of Unemployment Insurance Funds?

Unemployment insurance benefits refer to the basic living expenses paid by the unemployment insurance agency to eligible unemployed persons in accordance with the law. It is a temporary compensation for the loss of wage income of unemployed persons during the period of unemployment.

Unemployment insurance

According to Article 17 of the "Unemployment Insurance Regulations", if the unemployed and the unit and the individual have accumulated payment for one year and less than five years, the maximum period for receiving unemployment insurance benefits is 12 months; For 5 years and less than 10 years, the maximum period for receiving unemployment insurance benefits is 18 months; for cumulative contributions over 10 years, the maximum period for receiving unemployment insurance benefits is 24 months. After re-employment, if you are unemployed again, the payment time will be recalculated, and the period of receiving unemployment insurance benefits may be combined with the period of unemployment insurance benefits that should have been received in the previous unemployment period but not yet received, but the maximum period shall not exceed 24 months. ^[2]

1. Unemployed persons who meet the following conditions can receive unemployment insurance benefits and enjoy various other unemployment insurance benefits at the same time:

(1) Participate in unemployment insurance in accordance with regulations, and the unit and I have fulfilled the payment obligation for one year in accordance with the regulations;

(2) if the employment is not interrupted because of his own will;

(3) Has been handled in accordance with legal procedures

Article 21

The unemployed person is not in the same unit as his household registration

Article 25

If the handling agency finds that it does not meet the requirements, or fraudulently obtains unemployment insurance benefits and other unemployment insurance benefits by altering or falsifying related materials, it shall order it to be refunded; if the situation is serious, the handling agency may ask the labor security administrative department to To punish.

Article 26

If the staff of the handling agency violates the provisions of these Measures, the handling agency or the labor security administrative department in charge of the handling agency shall order it to make corrections; if the circumstances are serious, administrative sanctions shall be given in accordance with the law; if losses are caused to the unemployed, they shall be subject to the law.

Before January 1, those who have gone through the formalities of receiving one-time unemployment insurance benefits will not be reissued. Unemployment Insurance Adjusted Standard:

(I) Accumulation

After the employer pays unemployment insurance for the employee, the employee can apply for unemployment insurance after leaving the company. The specific conditions and procedures are as follows:

Termination of employment (that is, the company's termination or termination of the labor contract) without the intention of the person and a job search requirement, (provide the employer's dismissal certificate) Pay unemployment insurance for more than 12 months

Come within 60 days after the company terminates or terminates the labor contract

1. The insurance participant issues two "Certificates of Termination (Termination) of Labor Relations", one to the unemployment insurance center and one to the Labor Security

An unemployed person who has participated in unemployment insurance for at least one year and has registered for unemployment within 60 days after stopping paying unemployment insurance can receive unemployment benefits. Bring your ID card, proof of termination and termination of labor relationship with the employer, manual for unemployment insurance payment, proof of payment and a recent 1-inch photo for relevant procedures.
You can choose your own query method based on the following situations.
1. Inquiry from the Social Security Center If you are not clear about your social security account number, you can bring your ID card to the business handling hall of the social insurance agency in each district for inquiries.
2. Go online to log in to the city's labor security network or social insurance business website, click the "Personal Social Security Information Inquiry" window, enter your ID card and password (the password is your social security number or ID card birth year) Query my insurance information.
3. Telephone consultation Call the comprehensive labor security service telephone for policy consultation and information inquiry.
4. Touch screen inquiry If there is a social insurance touch screen inquiry system in the business handling hall of the social insurance agency in each district, swipe your card or enter the card number or ID card number according to the screen prompts to make an inquiry.
The Internet has developed very rapidly in China recently. The online unemployment insurance inquiry is one of the ways that many people inquire about unemployment insurance related information, so let s introduce the steps of online unemployment insurance inquiry in detail.
Step 1: The insured person logs in to the website of the local Human Resources and Social Security Bureau;
Step 2: The insured chooses the "Inquiry" column as required;
Step 3: The insured person needs to select the type to be inquired more: pension insurance payment inquiry, adjustment of corporate retirement (employment), unemployment insurance inquiry, personnel basic pension details inquiry, bank withholding unsuccessful details inquiry, insurance collection information collection error Information inquiry, detailed inquiry of the person who interrupted the insurance relationship, inquiry of the fund transfer status of the personnel transferred from other places, inquiry of the list of pensioners who have stopped living in different places, and inquiry of the overdue payment days.
Step 4: Enter "Name" and "ID Card Number" for the insured person;
Step 5: Click the "OK" button.
Work is a manifestation of a person's value. However, the problem of unemployment is a problem that people have to face. The social insurance paid by employees for employees includes unemployment insurance, and employees can receive unemployment insurance benefits after meeting relevant conditions.

Total Unemployment Insurance Benefits Received = Unemployment Insurance Standards for Local Classes * Number of Months Received Before the individual pays unemployment insurance premiums, the working age calculated in accordance with national regulations is regarded as the payment time, and the time to pay unemployment insurance premiums after release is combined.
The calculation of unemployment insurance benefits is divided into the calculation of unemployment insurance standards and the calculation of the period of receiving unemployment insurance benefits, which are explained separately below.
1. Calculation of unemployment insurance standard <br The unemployment insurance standard received by the unemployed from the first month to the twelfth month is determined according to the period of payment of unemployment insurance premiums; the 13th to the 24th month The standard of unemployment insurance is 80% of the standard for the first month to the twelfth month.
Unemployment insurance standards shall be lower than the minimum wage standard of the current year and higher than the minimum living security standard of urban residents in the current year.
2. Calculation of the period for receiving unemployment insurance benefits <br The period for receiving unemployment insurance benefits for unemployed persons is calculated based on the accumulated period of unemployment insurance premiums paid before they lose their jobs (deducting the period of payment of unemployment insurance premiums for which they have received unemployment insurance benefits)
If the cumulative payment of unemployment insurance premiums is from one year to two years, the period for receiving unemployment insurance benefits is two months; for each additional year of cumulative payment of unemployment insurance premiums, the period is increased by two months. If you have paid unemployment insurance premiums for one year and less than 5 years, the maximum period is 12 months; if you have paid unemployment insurance premiums for 5 years and less than 10 years, the maximum period is 18 months; , The maximum period is 24 months.

According to the "Unemployment Insurance Regulations" (hereinafter referred to as the "Regulations"), the standards of unemployment insurance benefits should be lower than the local minimum wage standards and higher than the minimum living security standards for urban residents. determine. ^[4]

In 2015, the monthly per capita level of national unemployment insurance benefits increased from 852 yuan in 2014 to 960 yuan.