In The Second Half Of The Year, There Are Five Major Changes In The Five Risks And One Gold. What Advantages Can You Get From Enterprises?

In the second half of 2017, there will be five major changes in five risks and one gold.

Including the combination of fertility and medical insurance, it can be settled directly in different places. The national social security card, the unemployment insurance rate is reduced, and the provident fund is pferred to other places to achieve "accounts go with people and money goes with the accounts". Two.

To sum up, enterprises have to pay a lot of money, and the wages of employees may not change much, but the treatment may get better.

In addition, people's daily work will be greatly simplified and convenient.

First of all, how can China's five risks and one gold payment be made?

Obviously, this change is good news for enterprises.

Taking the unemployment insurance premium rate down from 1.5% to 1%, for example, most areas will reduce the unit contribution rate, and some will also reduce the personal contribution rate at the same time.

In addition, according to the Ministry of human resources and social affairs, after the merger of maternity insurance and medical insurance, the rate of 1.25 percentage points will be reduced, while media analysis shows that those 1.25 percentage points are likely to be reduced by enterprises.

Even if the part of the individual is not reduced, it will be good for the employees.

You know, compared with the international community, the social insurance payment burden of Chinese enterprises is heavier.

According to the current "five risks" payment ratio, the enterprise is 29.8%, the individual is about 11%, the total amount has exceeded 40% of the individual salary. In recent years, with the increase of average wages, the national standard of social security is still up.

In 2015, China's social security contribution rate ranked first among the 181 countries in the world. The payment base was 2 times the average level of the other three countries of the BRICs, 3 times of the five Nordic countries, 2.8 times the number of G7 countries, and 4.6 times the East Asian neighbors.

With the heavy burden of the enterprise, the salary and welfare of the employees may be less, and some enterprises with poor benefits will even evasion.

The music crisis, which was not long ago, was also broken down by a group of social security workers.

In addition to the invisible benefits, employees get more.

Take the combination of fertility insurance and medical insurance as an example, first of all, those who have almost no coverage of childbearing risk and migrant workers are directly benefited. After the merger of the two risks, these people can enjoy birth insurance as long as they take part in the medical insurance. In addition, if the birth insurance is taken into consideration, the is also a reference.

Standard, in some places where medical reimbursement is high, the treatment of maternity insurance will increase.

Take Beijing as an example, if the cost of production inspection in public hospitals is between 5000 and 6000 yuan, employees can only reimburse 1400 yuan, and individuals should bear at least 4000 yuan or more.

But according to the standard of medical reimbursement, more than 1800 yuan can be reimbursed, and only 1800 yuan should be borne by the individual. Not only that, many people may also receive a minimum subsidy of 1000 yuan for skills upgrading.

If you have obtained a vocational qualification certificate or a vocational skill certificate in 2017, and have already paid more than 3 years of unemployment insurance, you can apply for it.

It is estimated that about 2 million of the employees will benefit each year.

Many of the reforms to be made before the end of 2017 are positive improvements in this regard.

With the combination of two risks, the scores of female employees' production examination and reimbursement and general medical reimbursement in the past will be greatly facilitating the birth reimbursement of women. If they can be directly settled after cross provincial medical treatment, the public will not have to run out of the public places, and the public will save a lot of unnecessary trouble.

Specific measures, policies and implementation are as follows:

Change one: "five risks and one gold" changes.

Before the end of June 2017, part of the pilot areas will be combined with maternity insurance and basic medical insurance for workers. The cost of production inspection will be reimbursed together with the general medical expenses. The pilot period will be about a year.

The first batch of pilot areas are Hebei Handan, Shanxi Jinzhong, Liaoning Shenyang, Jiangsu Taizhou, Anhui Hefei, Hefei, Anhui, and Hong Kong.

Change two: National Health Insurance networking

According to the plan, the direct settlement of the hospitalization expenses of retirees in different places and eligible referral personnel will be realized in 2017.

As of May 5, 2017, except for Tibet, all provinces across the country had access to the national basic medical insurance remote medical settlement system as a whole or part of the population, and opened 160 regional and 1008 cross provincial medical expenses for different places to settle directly the designated medical institutions.

At present, the Ministry of human resources and social affairs has also opened a cross Provincial Public Health Service Enquiry System for off-site medical services, which can query cross provincial medical treatment areas and designated medical institutions, as well as information of agencies involved in insurance.

Change three: Provident Fund Transfer in different places will achieve "accounts follow people go, money go with the account."

To promote the construction of the national housing provident fund pfer platform, it will be launched before the end of June.

At the same time, we should vigorously promote the loan service in different places to meet the demand for funds for the cross housing purchase of workers.

Change four: unemployment insurance rates reduce skills upgrading, but also receive subsidies.

At the beginning of 2017, the Ministry of personnel and social affairs and the Ministry of Finance jointly issued a notice that the total rate of unemployment insurance in 1.5% provinces (districts and municipalities) could be reduced to 1% from January 1, 2017, and the period of reducing rates would be implemented until April 30, 2018.

And the Ministry of human resources and social affairs has said that the unemployment insurance premium rate will be reduced, but it will not affect the standard of unemployment insurance benefits.

Has obtained the professional qualification certificate or the vocational skill level certificate, and has already paid more than 3 years unemployment insurance, may also apply for the skill promotion subsidy.

Subsidies are divided into 1000, 1500 and 2000 yuan three upper limit, after the application will be directly hit the bank card or social security card.

According to the Ministry of human resources and social affairs, by the end of 2017, the social security card across the business and cross regional "universal card" will be basically realized.

Cardholders can directly get 102 jobs in nine categories: employment, social security, medical care, personnel and labor relations.

In addition, the third generation of social security cards issued in some pilot areas in 2017 also added a "flash over" non-contact function, and the application scenarios were more extensive.

At the same time, the traditional social security card based on offline applications will also be deeply integrated with the Internet and big data. By building social security card online service platform, we will connect more social services channels.

Take the pilot Wuhan as an example, in the future, the third generation social security card will be able to handle all kinds of government affairs. It can also take bus, subway, rent public bicycles, borrow books, and make small payments in supermarkets.

In Chengdu, the first batch of Internet based application products, such as citizen convergence service platform in Chengdu, APP and WeChat, will be released to the public and put into use.

After the real name system is authenticated, the insured can realize the functions of binding card, inquiring information, missing social security card, hospital registration, medical insurance mobile payment and so on.

For more information, please pay attention to the world clothing shoes and hats and Internet cafes.