Need to prevent the transfer of medical insurance, "becoming rich" eff
Yesterday, the NPC Standing Committee upheld the Social Insurance Law. What the draft reveals a significant positive? Yangcheng Evening News interview with the Guangdong authority of the social security number of experts. These experts in addition to personal interpretation, but also made a number of recommendations.
Old-age insurance will take on more responsibility for government
Pension insurance is the focus of attention people, the experts said, "draft" make it clear to establish a normal adjustment mechanism, the actual pension system in Guangdong have been implemented. Draft, there are three prominent highlights:
First, it provides the individual regional employment, the basic pension insurance relationship with my transfer. Personal retirement, the basic retirement pension in accordance with the basic pension payment to the standards and paying the fees, by the payment to sub-terms unify retirement pay. Expert analysis, plaguing the insured person's "hard shift" problem, the provisions of the draft remains a matter of principle, no actual content. However, after the transfer of treatment "section calculation," "unity of payment" requirement is to solve the transfer of pension insurance, the "becoming rich" effect, to prevent any treatment in a large number of the wealthy region.
Second, the Bill provides that state-owned enterprises and institutions of workers participating in basic pension insurance contribution years before the period deemed basic endowment insurance premiums shall be paid by the Government. Expert analysis, this is old-age insurance reform, no actual payment prior to the formation of employee's personal account "empty accounts" problem, first identified by the Government rather than the overall fund commitment, means that the government will assume more responsibility, will increase on the pension insurance fund investment, such as financial investment, return on assets of state-owned investment.
Third, the Bill provides that the individual pension account information over the same period a year bank deposit rate and the CPI to determine billing rates. Experts recommend that the article should be further improved. Because the original "empty accounts" personal accounts do indeed, it has to invest in increasing the value of operations, and this is the trend of old-age insurance. If the income was higher than the price index, how do?
Need to further improving the transfer of medical insurance
"Bill" provides that personal cross-regional employment, the basic medical insurance relationship with my transfer fee calculated the cumulative number of years. Authority of the medical insurance experts suggest that this need to be further improved.
According to analysis, the cumulative health insurance contribution years, directly related to the insured person's retirement benefits. For example, the provisions of the cumulative toll of Guangzhou for 10 years in the future can enjoy free access to retirement health insurance, there are more than 170 yuan per month into personal accounts. But the total number of years the country is not uniform, some areas required up to 30 years, compared with 15 some years, the cumulative cross by what criteria? At the same time, different parts of the standard fee, not the same treatment. If the payment standard in the lower parts of the insured, where years of higher transferred to the treatment according to calculation, it may be serious "becoming rich effect" impact on the transfer to the Fund. Experts believe that ensure that the insured person cross the employment it is absolutely reasonable treatment, but must have the appropriate mechanisms to ensure the sustainability of the Fund.
Pay unemployment insurance for six months should also be considered for treatment
"Bill" provides unemployed person whose former employer and I pay the prescribed cumulative time of one year less than five years, to receive unemployment insurance payments for up to twelve months. Experts believe that some special circumstances, restrictions should be relaxed to make payments, such as business failures should be considered accumulated contributions are also entitled to treatment at least six months. Because of business failures, more unemployed workers, and when the overall economic environment as the impact of business failures, it often is difficult to find jobs when this situation should consider relaxing the time requirements.
Experts also strongly suggested that "the Bill" should be used to expand the scope of unemployment insurance, break through the current key used to guarantee the basic treatment of the unemployed, single function, and more reflect the prevention of unemployment and promoting employment.
Injury and maternity insurance benefits and more
"Bill" provides that the employer fails to pay according to work injury insurance and accident occurs, the medical expenses paid by the employer; employer refused to pay, from the work injury insurance fund in the first payment, reimbursement by the employer, the employer units do not pay the social insurance agencies may process recovery.
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