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Huangdao SME employment risk solution

直面的话题。 Occupational accidents are closely related to every enterprise and are a topic that every employer must face. 乎是在所难免的,尤其是现在上下班途中的意外也纳入到 工伤事故。 In the process of production and operation of an enterprise, the occurrence of industrial accidents is almost inevitable, especially the accidents on the way to and from work are also included in industrial accidents. The main body responsible for these accidents is the employer. 力的企业为员工购买了五险一金,其中五险里面的工伤保 险帮助企业分担了较大的用工风险。 Powerful companies have purchased five insurances and one fund for their employees. Among them, the work-related injury insurance in the five insurances helps companies share the larger employment risks. However, most SMEs cannot afford the high social security costs. How can these enterprises better avoid the risk of work-related injuries?

Huangdao Recruitment Network brings you two very good products: single injury, employer liability insurance


即人社局五险里面单独的工伤保险,承保单位是国家,出险由国家进行赔偿,工伤保险是我公司为企业定制的服务项目,既能为企业节约成本,又能解决实际工伤问题。 Single injury is a separate work injury insurance in the five insurances of the Human Resources and Social Security Bureau. The insured unit is the state, and the state is responsible for compensation. The work injury insurance is a customized service for our company. It can save costs for the company and solve the actual work injury problem. .

Work injury insurance agency services: The company establishes labor relations with employees, and hand over work injury insurance to our company, and arranges special personnel to declare and handle each month. Without intervening in enterprise operation management, enterprises can save costs and energy.

Work injury insurance agent operation process:

1. The two parties signed an agency agreement;

2. The company sends the list to our company by mail according to the time stipulated in the agreement on a monthly basis;

3. After the company's monthly declaration, it will take effect in the next month, and it will not take effect in the reporting month and will not incur costs;

4. Agent employees have work-related injuries. The company must notify our company as soon as possible, and our company will arrange a specialist to deal with it.

5. After the employee's work injury, our company's commissioner will make a declaration, and the company needs to provide materials to cooperate. 《工伤认定书》复印件;有效票据;费用清单(需加盖定点医院公章);规范的门诊病历、出院记录;工伤职工身份证复印件;经办机构规定报送的其他材料。 The materials include: a copy of the Work Injury Confirmation; valid bills; a list of expenses (with the official seal of the designated hospital); standardized outpatient medical records and discharge records; a copy of the ID card of the work-related injury employee; other materials required by the agency. To declare disability treatment, you need to provide: a copy of the "Labor Ability Appraisal"; a copy of the "Work Injury Confirmation"; a copy of the work injury employee ID card; valid bills for appraisal costs; other materials required by the agency.

Employees' deaths shall provide: "Death Confirmation": the domicile's household register, the original and photocopy of the ID card; the relationship between the dependant and the deceased, the economic status, and the labor capacity status issued by the street office and the township government Certification; other materials required by the agency.

因工伤发生的下列费用,按照国家规定从工伤保险基金中支付: Article 38 of the Work Injury Insurance Regulations The following expenses incurred due to work injury shall be paid from the Work Injury Insurance Fund in accordance with state regulations:

1. Medical costs and rehabilitation costs for treating work-related injuries;

2. Hospital food subsidies;

3. Transportation, board and lodging for medical treatment outside the co-ordinated area;

4. The cost of installing and disabling assistive appliances;

5. Living care expenses confirmed by the Labor Capacity Appraisal Committee if they cannot take care of themselves;

6. One-time disability benefits and monthly disability allowances for employees with disability levels 1-4;

7. A one-time medical subsidy that should be enjoyed when the labor contract is terminated or terminated;

8. For death due to work, the funeral subsidy, support relative's pension and death allowance received by his will;

9. Labor ability appraisal fee.

  职工所在用人单位未依法缴纳工伤保险费,发生工伤事故的,由用人单位支付工伤保险待遇。 Article 41 The employer's employer fails to pay the work injury insurance premium in accordance with the law. In the event of a work injury accident, the employer shall pay the work injury insurance benefits. If the employer does not pay, it shall be paid in advance from the work injury insurance fund. The work injury insurance benefits paid in advance from the work injury insurance fund shall be repaid by the employer. If the employer does not repay, the social insurance agency may recover it in accordance with the provisions of Article 36 of this Law.

Payment Standards for Work Injury Insurance Benefits

(本人工资) I. Disability Allowance (My Wage)

Level 1—90% Level 2—85% Level 3—80% Level 4—75%

Levels 5-6 Difficult to arrange work: Level 5—70% Level 6—60%

(本人工资) One-time disability benefits (my salary)

Level 1-27 months Level 2-25 months Level 3-23 months Level 4-21 months

Level 5—18 months Level 6—16 months Level 7—13 months Level 8—11 months

Level 9—9 months Level 10—7 months

(解除或终止劳动关系时) 3. Medical subsidy for one-time work injury (when the labor relationship is terminated or terminated)

Level 5—200,000 Level 6—160,000 Level 7—120,000

Level 8—80,000 Level 9—5 million Level 10—30,000

(解除或终止劳动关系时) Fourth, one-time employment subsidy (when the labor relationship is terminated or terminated)

—9.5万6级—8.5万7级—4.5万 Level 5-955,000 Level 6-85,000 Level 7-45,000

—3.5万9级—2.5万10级—1.5万 Level 8-3.59 Level 9-2.5 million Level 10-15,000

V. Treatment of Immediate Relatives

1. Funeral subsidy: 6 months average monthly salary of employees in the previous year

2. Pension for immediate family members (my salary): 40% for spouse; 30% for relatives; orphans

10% 10% increase for elderly or orphans based on this standard

3.One-time death benefit: 20 times the disposable income of urban residents in the country in the previous year

According to the latest data released by the National Bureau of Statistics, the per capita disposable income of urban residents nationwide in 2018 was 39,251 yuan.

Therefore, the one-time work-death subsidy standard for 2019 is 39251 yuan × 20 = 785020 yuan.

: 工伤职工本人提出与用人单位解除劳动关系,且解除劳动关系时距法定退休年龄不足5 年的,一次性工伤医疗补助金和一次性伤残就业补助金按照下列标准执行: 不足5 年的,按照全额的80%支付;不足4 年的,按照全额的60%支付;不足3 年的,按照全额的40%支付;不足2 年的,按照全额的20%支付;不足1年的,按照全额的10%支付。 In addition : If the employee injured at work proposes to terminate the labor relationship with the employer and the termination of labor relationship is less than 5 years from the legal retirement age, the one-time work injury medical subsidy and one-time disability employment subsidy shall be implemented according to the following standards: 80% of the full amount; 60% of the full amount for less than 4 years; 40% of the full amount for less than 3 years; 20% of the full amount for less than 2 years; less than 1 Annually, it is paid at 10% of the full amount.

The work injury insurance has a wider range of benefits than the normal accident insurance, and all are paid in accordance with national laws and regulations, and the medication can be reimbursed as long as it meets the scope of the catalog.



是一款与工伤保险非常接近的商业保险,是指被保险人所雇佣的员工在受雇过程中从事与保险单所载明的与被保险人业务有关的工作而遭受意外或患与业务有关的国家规定的职业性疾病,所致伤、残或死亡,被保险人根据《中华人民共和国劳动法》及劳动合同应承担的医药费用及经济赔偿责任,由保险人在规定的赔偿限额内负责赔偿的一种保险。 Employer's liability insurance is a commercial insurance that is very close to the work injury insurance. It means that an employee employed by the insured suffers an accident or injury during the employment process in connection with the insured's business as specified in the insurance policy Occupational diseases, injuries, disability or death caused by business-related countries, the medical expenses and economic compensation liabilities that the insured shall bear according to the Labor Law of the People's Republic of China and labor contracts shall be compensated by the insurer An insurance covering compensation within limits.

Purchasing employer liability insurance and transferring the risk of the employer's liability to the insurance company can stabilize the business operation, protect the employer from disputes and extra costs, and also protect the rights and interests of employees. Fundamentally speaking, employers' liability insurance protects the employer, and the insurance company replaces the employer to pay the compensation to the employee, so that the employer is exempt from paying the compensation to the employee.




Consultation and cooperation on single injury and employer liability insurance: 18561911620