The medical insurance fee has dropped!

On September 30, 2022, the Shanghai Municipal Health Insurance Bureau issued the Notice on Adjusting the Premium Rate of Basic Medical Insurance for Employees in this Municipality, which clearly stated that it would be

Reduce the medical insurance contribution rate from 2022 10/month 1 day.

These key points in the notice need to be grasped:

From 2022 10, the payment rate of basic medical insurance units for employees will be reduced by%, from the original to.

10%。 Among them, the proportion of local additional medical insurance premiums paid by the unit was adjusted from 2% to

The proportion of basic medical insurance premiums paid by units and

The proportion of individual contributions will not be adjusted.

The proportion of employees' basic medical insurance premiums paid by flexible employees in this Municipality has been adjusted from

1 1%。

This notice is from

It will come into force on 1 October1day, 2022, and will be valid until September 30, 2027.

I think:

To put it simply, since 2022 10, the basic medical insurance premium rate for employees has been reduced, but only the unit contribution has been reduced, and the proportion of individual contributions will not be adjusted.

Note that even if Shanghai reduces the contribution rate of employees' medical insurance, it does not mean that the medical insurance benefits of employees will be affected, and the medical insurance benefits of insured personnel will not be affected.

0 2

Unemployment insurance and industrial injury insurance

Stage reduction

In addition to reducing medical insurance premiums in Shanghai, other provinces and cities across the country are also reducing unemployment insurance and industrial injury insurance rates in stages according to national policies.

In April this year, the Ministry of Human Resources and Social Security, the Ministry of Finance and the State Taxation Administration of The People's Republic of China issued the Notice on Doing a Good Job in Stabilizing Unemployment Insurance and Improving Skills to Prevent Unemployment. Among them,

The notice clearly stated that the policy of reducing unemployment insurance and work-related injury insurance rates by stages 1 year will be continued until April 30, 2023.

Among them, according to the implementation of the phased reduction of unemployment insurance rates in various provinces and cities, the general policies (local policies are different, and the specific policies are mainly local policies) are:

Total unemployment insurance rate

1%, in which the employer's rate.

Individual workers

Extend the period of phased rate reduction until April 30, 2023.

The industrial injury insurance rate is lowered based on the current rate.

50%。

I will expand for you:

The increase or decrease of unemployment insurance premium rate needs to meet certain conditions, such as a large increase in the number of unemployed people, a limited balance of unemployment insurance benefits, or a decrease in the number of unemployed people and a large balance of unemployment insurance benefits, which will affect the final rate adjustment.

The continuous decline of unemployment insurance rate is mainly related to the current abundant unemployment insurance fund, on the other hand, it may also be to reduce the social security expenses of the unit and reduce its burden under the epidemic environment.

What is the impact of lowering the unemployment insurance rate?

1, impact on enterprises:

The proportion of social security contributions that employers need to bear is still quite large, and the corresponding payment burden will be heavier; Repeated reductions in unemployment insurance rates can, to a certain extent, underwrite enterprises to reduce social security expenses, thus reducing their burden.

2. Impact on the market:

The decrease of unemployment insurance rate can reduce the burden on enterprises, which has a positive impact on the improvement of employment environment in the whole market and can effectively reduce the unemployment rate.

3, the personal impact:

Although the proportion of unemployment insurance premiums paid by individuals is not high, a certain degree of decline can definitely reduce personal social security expenses and thus get more wages.

0 3

These social security subsidies are also worthy of attention

This year, the human resources and social security department has also issued a series of policies and measures to help enterprises get rid of difficulties, stabilize employment and protect people's livelihood.

1, receive a one-time training subsidy.

From 1 month/day to 1 February 3 1 day in 2022, cities or counties with more than 1 high-risk epidemic areas can press

Each insured employee does not exceed the standard of 500 yuan to issue a one-time leave-behind training subsidy.

2. Receive a one-time post expansion subsidy.

Enterprises that employ ordinary college graduates with graduation dates of 1-1February in 2022 and obtain graduation certificates from ordinary colleges and universities can sign labor contracts and pay unemployment insurance premiums for them for more than1month.

1 person shall not exceed the standard of 1500 yuan, and a one-time post expansion subsidy shall be granted.

3. Get unemployment insurance money

Unemployed persons who have paid the insurance premium of 1 year or more and whose employment is not interrupted due to their own wishes may apply for unemployment insurance benefits from unemployment insurance agencies.

Among them:

If the employer and I have paid more than 1 year for less than 5 years, the longest period for receiving unemployment insurance benefits is 12 months;

If the accumulated payment is less than 5 years 10 years, the longest period of receiving unemployment insurance benefits is 18 months;

If the accumulated payment is more than 10 years, the longest period of receiving unemployment insurance benefits is 24 months.

4, unemployment benefits, temporary living allowance

Continue to implement the policy of expanding unemployment insurance coverage, and pay unemployment subsidies to unemployed people who have not been employed after receiving unemployment insurance benefits and insured unemployed people who do not meet the conditions for receiving unemployment insurance benefits; Temporary living allowance will be given to unemployed migrant workers who have been insured for less than 1 year.

The coverage is for the newly insured unemployed during the period from 1 month/day to 1 February 3 1 day in 2022.

5, receive skills upgrading subsidies

Persons receiving unemployment insurance benefits who have obtained vocational qualification certificates or vocational skill grade certificates may apply for skills upgrading subsidies according to the standards that the primary level (level 5) does not exceed 1000 yuan, the intermediate level (level 4) does not exceed 1500 yuan, and the advanced level (level 3) does not exceed 2,000 yuan.

Each person can enjoy the subsidy no more than 3 times a year. The policy implementation period is until 20221February 3 1 day.

6, receive social insurance subsidies

Small and micro enterprises that employ unemployed college graduates in the graduation year and within 2 years after leaving school, sign labor contracts with them for more than 1 year and pay social insurance premiums for them, shall be subsidized according to the social insurance premiums actually paid by them for college graduates, excluding the part paid by individuals, and the longest period shall not exceed 1 year.

A certain amount of social insurance subsidies shall be given to the social insurance premiums paid by college graduates who have not been employed within 2 years after leaving school. The subsidy standard shall not exceed 2/3 of their actual contributions in principle, and the maximum subsidy period shall not exceed 2 years.

Units that employ people with employment difficulties and pay social insurance premiums, as well as units that place people with employment difficulties through public welfare posts and pay social insurance premiums, shall be subsidized according to the basic old-age insurance premiums, basic medical insurance premiums and unemployment insurance premiums actually paid for people with employment difficulties.

A certain amount of social insurance subsidies shall be given to the social insurance premiums paid by people with employment difficulties after flexible employment, and the subsidy standard shall not exceed 2/3 of their actual contributions in principle. The term of social insurance subsidies for people with employment difficulties can be extended to retirement except for those who are less than 5 years away from the statutory retirement age, and the rest of the staff can not exceed 3 years at the longest.

7, get employment trainee subsidies

Units that recruit unemployed college graduates who have left school for two years and unemployed young people aged 16-24 to participate in employment internships will be given certain standards of employment internship subsidies.

The trainee probation period retention rate reached more than 50% of the units, can be appropriately raised trainee subsidy standards. For those who sign labor contracts with college graduates before the probation period, the probation unit shall be given a probation subsidy for the remaining period.

8. Receive a one-time business start-up subsidy.

Conditional areas, for the first time to establish small and micro enterprises or engage in self-employment, and the established enterprises or individual industrial and commercial households have been operating normally since the date of industrial and commercial registration 1 year or more, college graduates, people with employment difficulties and returning migrant workers will be given a one-time business start-up subsidy.

9. Receive a one-time job-seeking and entrepreneurship subsidy.

For low-income families, poor disabled families, college graduates and graduates of secondary vocational schools (including technical colleges) among poor families and destitute people who have the will to find jobs and start businesses actively in the graduation school year, disabled college graduates and graduates of secondary vocational schools (including technical colleges) who have obtained national student loans will be given a one-time job-seeking and start-up subsidy.

10, receive vocational training subsidies and vocational skill appraisal subsidies.

For five groups of people, such as children from poor families who participated in employment skills training and entrepreneurship training, college graduates in graduation year, fresh junior and senior high school graduates who did not continue their studies in urban and rural areas, migrant workers in rural areas, and registered unemployed people in cities and towns, who obtained vocational qualification certificates after training (or vocational skill level certificates, special vocational ability certificates, training qualification certificates, the same below), certain standards of vocational training subsidies are given.

Five categories of people who have passed the initial vocational skill appraisal and obtained vocational qualification certificates (excluding training certificates) will be given vocational skill appraisal subsidies.