Extended reading:
Policies are changing and welfare is improving. The amount of five insurances and one gold paid by employees will change every year, and the policies and benefits they can enjoy will also change. What changes have taken place in 20 18?
housing accumulation fund
Changes in new regulations:
Housing provident fund loans will be easier to buy a house.
20 17 12 The Ministry of Housing and Urban-Rural Development and other departments jointly issued the Notice on Safeguarding the Rights and Interests of Employees' Housing Provident Fund Loans, requiring real estate development enterprises not to restrict, obstruct or refuse buyers to use housing provident fund loans by raising the housing sales price or lowering the price discount, and not to require buyers to sign a written document voluntarily giving up their housing provident fund loan rights.
The "Notice" clarifies that paid employees can complain and report the refusal of real estate development enterprises and housing sales agencies to lend housing provident fund through channels such as 12345 citizen hotline and 12329 housing provident fund service hotline.
affect
Housing accumulation fund can effectively reduce the burden of employees buying houses.
According to estimates, a personal housing loan with a quota of 6.5438+0 million yuan and a term of 20 years can save more than 200,000 yuan in interest expenses compared with personal housing loans of commercial banks. With the implementation of regulatory measures, it is expected that it will be easier for employees to buy houses with housing provident fund loans, and they can really enjoy the benefits brought by housing provident fund.
Knowledge points of current housing provident fund
If the provident fund cannot be paid by itself, the employer shall not refuse to pay the housing provident fund for the employees for any reason;
Early retirement cannot withdraw provident fund;
In addition to buying a house, renting a house can also be extracted.
medical insurance
Changes in new regulations:
Cross-provincial medical treatment can be directly settled, and where you are hospitalized, you will be reimbursed.
20 17 breakthrough in direct settlement of medical treatment in different provinces. As of June 10, 3 1, on the basis that all provincial medical settlement systems and all co-ordination areas in China have been connected with the national medical settlement system in different places, the number of designated medical institutions across provinces in China has increased to 7,688, and the number of registered people has reached 18 1 10,000.
affect
Direct settlement of medical treatment across provinces and different places saves the trouble of the insured to pad money and run back and forth. Tang, director of Ministry of Human Resources and Social Security Social Insurance Management Center, said that all eligible insured persons can directly settle the hospitalization expenses in different provinces through this system, without having to advance their own funds, and then reimburse them at the insured place.
Current medical insurance knowledge points
Male employees have paid for 25 years and female employees have paid for 20 years, and employees can enjoy basic medical insurance benefits after retirement (the above is in Beijing, and the regulations vary from place to place, please refer to local regulations);
Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility and mental illness. Can not be covered by medical insurance;
endowment insurance
Changes in new regulations: unified bookkeeping interest rate for individual pension accounts
According to the "Measures for Unifying and Standardizing the Bookkeeping Interest Rate of Personal Accounts for Employees' Endowment Insurance" issued by Ministry of Human Resources and Social Security on April 20 17, the bookkeeping interest rate of personal accounts for employees' basic endowment insurance in government agencies and institutions is uniformly announced by the state every year. The bookkeeping interest rate shall not be lower than the bank time deposit interest rate.
affect
It is helpful to realize institutional fairness to determine the bookkeeping interest rate of individual accounts of basic old-age insurance for employees in government agencies and institutions. The bookkeeping interest rate shall not be lower than the bank time deposit interest rate, which is conducive to guiding the insured to actively participate in insurance and pay in full, and ensuring the basic life of the insured after retirement.
Knowledge points of current endowment insurance
Endowment insurance is cumulative payment;
"Cumulative payment 15 years" is a necessary condition;
The same pay, but get different, different cities have different pension treatment standards.
maternity insurance
Changes in new regulations:
Maternity insurance and medical insurance are combined.
In 20 17, Handan, Jinzhong, Shenyang, Taizhou, Hefei, Weihai, Zhengzhou, Yueyang, Zhuhai, Chongqing, Neijiang, Kunming, etc. 12 cities started the pilot project of combining maternity insurance with basic medical insurance. 20 17 will be piloted before the end of June, and the pilot period is about 1 year.
affect
According to the requirements, maternity insurance and medical insurance are merged, and the maternity insurance benefits of employees during childbirth remain unchanged.
Yang Yansui, director of Tsinghua University Employment and Social Security Research Center, said that because the reimbursement rate of medical insurance in some places has reached 80%-90%, and the reimbursement rate of maternity insurance is still below 70%, the maternity insurance benefits in these places may be improved after the merger.
Knowledge points of current maternity insurance
Failing to pay maternity insurance as required, and the maternity-related expenses incurred in family planning are paid in full by the unit;
Both men and women have to pay, and male employees can enjoy paternity leave;
Unemployed mothers in some areas can receive maternity allowance. Take Shanghai as an example. The monthly maternity allowance for unemployed full-time mothers is calculated and paid according to the minimum standard stipulated by the Municipal Human Resources and Social Security Bureau.
unemployment insurance
Changes in new regulations:
Unemployment insurance rates are reduced and unemployment benefits are increased.
On the one hand, it is to reduce the contribution rate. 20 17 to 10 month 1, and the provinces (autonomous regions and municipalities) with the total unemployment insurance rate of 1.5% can reduce the total rate to 1%, and the time limit for reducing the rate will be 20 18 April. On the other hand, it is to raise the standard of unemployment benefits. According to "Guiding Opinions on Adjusting Unemployment Insurance Standard" issued by Ministry of Human Resources and Social Security and the Ministry of Finance, the unemployment insurance standard will be gradually raised to 90% of the minimum wage.
affect
Unemployment insurance is paid by both units and employees.
With the reduction of the rate, the burden of enterprises will be further reduced, and the wages of employees may increase more or less. The standard of unemployment benefit is raised to 90% of the minimum wage, and the life of the unemployed is more secure.
Current knowledge points of unemployment insurance
Unemployment insurance must be paid before this unemployment 1 year;
The period for receiving unemployment insurance benefits shall not exceed 24 months.
employment injury insurance
Changes in new regulations:
Industrial injury insurance benefits are adjusted at least once every two years.
On July 20 17, Ministry of Human Resources and Social Security issued "Guiding Opinions on the Adjustment and Determination Mechanism of Work-related Injury Insurance Benefits", clarifying that in principle, work-related injury insurance benefits should be adjusted at least once every two years.
affect
With the development of economy and society, the average wages and living expenses of employees have changed. This is not only the inherent requirement of the industrial injury insurance system, but also the proper meaning of protecting the rights and interests of the insured.
Current knowledge points of industrial injury insurance
There is a time limit for the identification of work-related injuries:
In case of work-related injury, it must be reported to the unit immediately, and the unit must send the effective materials to the work-related injury identification department of the Labor Bureau within 30 days from the date of work-related injury. Otherwise, the employer fails to submit the application for work-related injury identification within the prescribed time limit, and the relevant expenses such as the treatment of work-related injuries that meet the requirements during this period shall be borne by the employer.