工傷(shang)保險,是指勞動(dong)者(zhe)在(zai)工作中(zhong)或(huo)在(zai)規(gui)定(ding)的特殊情況下,遭受意外(wai)傷(shang)害或(huo)患職(zhi)業(ye)病導致暫時或(huo)永久喪失勞動(dong)能力以及死亡時,勞動(dong)者(zhe)或(huo)其遺屬從國家(jia)和社會獲得物質幫助的一(yi)種社會保險制度。
1、參保登記:用人單位先到工(gong)傷(shang)保(bao)(bao)險經(jing)辦機構(gou)辦理(li)參保(bao)(bao)登(deng)記(ji)手續(xu),填(tian)報(bao)(bao)《社(she)會保(bao)(bao)險登(deng)記(ji)表(biao)(biao)》、《參加(jia)工(gong)傷(shang)保(bao)(bao)險人員(yuan)情況表(biao)(biao)》、《工(gong)傷(shang)保(bao)(bao)險繳費(fei)申報(bao)(bao)核定表(biao)(biao)》、《參加(jia)工(gong)傷(shang)保(bao)(bao)險人員(yuan)增減明(ming)細表(biao)(biao)》。
2、參保審核:工傷(shang)保險(xian)經辦機構根據用人(ren)單位提供的原始資料和數據,對(dui)用人(ren)單位填寫(xie)的各類表格(ge)逐項進行審核。
3、資料錄入:工傷保險經辦機構將用人單位(wei)報送的基(ji)礎(chu)信息錄入電腦,為用人單位(wei)和個(ge)人建(jian)立基(ji)礎(chu)檔案資料。
4、核定保費:工(gong)(gong)(gong)傷保(bao)險經辦機構根據分(fen)類(lei)行(xing)業基(ji)(ji)準(zhun)費(fei)(fei)(fei)率的(de)(de)具體標準(zhun),確定(ding)用(yong)人單位(wei)(wei)的(de)(de)初次繳費(fei)(fei)(fei)費(fei)(fei)(fei)率,然后(hou)乘以(yi)用(yong)人單位(wei)(wei)的(de)(de)當期繳費(fei)(fei)(fei)基(ji)(ji)數(即:上年度(du)職工(gong)(gong)(gong)工(gong)(gong)(gong)資總額(e))之(zhi)積(ji)為(wei)(wei)用(yong)人單位(wei)(wei)繳納的(de)(de)工(gong)(gong)(gong)傷保(bao)險費(fei)(fei)(fei)的(de)(de)數額(e)。新成立的(de)(de)用(yong)人單位(wei)(wei),按湖南省上年度(du)職工(gong)(gong)(gong)平均工(gong)(gong)(gong)資乘以(yi)用(yong)人單位(wei)(wei)職工(gong)(gong)(gong)人數之(zhi)積(ji)為(wei)(wei)當期繳費(fei)(fei)(fei)基(ji)(ji)數。
5、參保繳費:用(yong)人(ren)單位(wei)根據征繳(jiao)股開具的《工(gong)傷(shang)保險(xian)繳(jiao)款繳(jiao)費單》,采取(qu)直接(jie)到經辦機(ji)構(gou)刷卡繳(jiao)納(na)、到開戶(hu)銀行繳(jiao)納(na)等(deng)方式繳(jiao)納(na)工(gong)傷(shang)保險(xian)費后,即形(xing)成(cheng)了工(gong)傷(shang)保險(xian)參保關系。
根據不同(tong)行(xing)業(ye)(ye)的(de)工(gong)(gong)(gong)傷(shang)風險(xian)(xian)程(cheng)度,將工(gong)(gong)(gong)傷(shang)保(bao)險(xian)(xian)分類(lei)(lei)(lei)行(xing)業(ye)(ye)基準(zhun)費(fei)率標準(zhun)分為(wei)(wei)(wei)三(san)(san)類(lei)(lei)(lei)六檔,即(ji)一類(lei)(lei)(lei)行(xing)業(ye)(ye)的(de)繳費(fei)費(fei)率為(wei)(wei)(wei)職工(gong)(gong)(gong)工(gong)(gong)(gong)資(zi)總(zong)(zong)(zong)額的(de)0.5%;二類(lei)(lei)(lei)行(xing)業(ye)(ye)一檔為(wei)(wei)(wei)職工(gong)(gong)(gong)工(gong)(gong)(gong)資(zi)總(zong)(zong)(zong)額的(de)0.8%,二類(lei)(lei)(lei)行(xing)業(ye)(ye)二檔為(wei)(wei)(wei)職工(gong)(gong)(gong)工(gong)(gong)(gong)資(zi)總(zong)(zong)(zong)額的(de)1.0%,二類(lei)(lei)(lei)行(xing)業(ye)(ye)三(san)(san)檔為(wei)(wei)(wei)職工(gong)(gong)(gong)工(gong)(gong)(gong)資(zi)總(zong)(zong)(zong)額的(de)1.5%;三(san)(san)類(lei)(lei)(lei)行(xing)業(ye)(ye)一檔為(wei)(wei)(wei)職工(gong)(gong)(gong)工(gong)(gong)(gong)資(zi)總(zong)(zong)(zong)額的(de)2.8%,三(san)(san)類(lei)(lei)(lei)行(xing)業(ye)(ye)二檔為(wei)(wei)(wei)職工(gong)(gong)(gong)工(gong)(gong)(gong)資(zi)總(zong)(zong)(zong)額的(de)3.3%。在初(chu)次(ci)確(que)定用人單位工(gong)(gong)(gong)傷(shang)保(bao)險(xian)(xian)繳費(fei)費(fei)率時(shi),按(an)照市政府批準(zhun)的(de)工(gong)(gong)(gong)傷(shang)保(bao)險(xian)(xian)分類(lei)(lei)(lei)行(xing)業(ye)(ye)基準(zhun)費(fei)率執行(xing)。
(1)在工(gong)作(zuo)時間和工(gong)作(zuo)場所內,因工(gong)作(zuo)原(yuan)因受到事故傷害的;
(2)工(gong)(gong)(gong)作(zuo)(zuo)(zuo)時間前后(hou)在工(gong)(gong)(gong)作(zuo)(zuo)(zuo)場所(suo)內,從(cong)事(shi)與工(gong)(gong)(gong)作(zuo)(zuo)(zuo)有關的預備性或者收尾性工(gong)(gong)(gong)作(zuo)(zuo)(zuo)受到事(shi)故傷害的;
(3)在工(gong)(gong)作(zuo)時間和工(gong)(gong)作(zuo)場所內,因履行工(gong)(gong)作(zuo)職責受到(dao)暴力等意外傷害的;
(4)患職業病的;
(5)因工外出期間,由于工作(zuo)原因受(shou)到傷害或者(zhe)發生事故(gu)下(xia)落(luo)不明的;
()6在上(shang)下(xia)班途中(zhong),受到(dao)非本人主要責(ze)任的(de)(de)交(jiao)通事故或者城(cheng)市軌(gui)道交(jiao)通、客運輪渡、火車事故傷害的(de)(de);
(7)法律(lv)、行政法規規定應當(dang)認定為工傷的其(qi)他(ta)情(qing)形。
(1)一級工傷鑒定標準
一(yi)級傷殘的鑒定標準包(bao)括:面部重度(du)毀容,同時伴有表(biao)B2中二級傷殘之一(yi)者;全身重度(du)瘢痕形成,占體(ti)表(biao)面積≥90%,伴有脊(ji)柱(zhu)及四肢(zhi)大關節活(huo)動功能基(ji)本(ben)喪失;雙肘關節以上缺失或功能完全喪失;雙下肢(zhi)高(gao)位(wei)缺失及一(yi)上肢(zhi)高(gao)位(wei)缺失等更多內容。
(2)二級工傷鑒定標準
二級工(gong)傷鑒定標準(zhun)包括:器官嚴重缺損或(huo)畸形(xing),有嚴重功(gong)能(neng)障礙或(huo)并發癥,存(cun)在特(te)殊醫(yi)療(liao)依賴(lai),或(huo)生活大部(bu)分不能(neng)自理者等更多內容。
(3)三級工傷鑒定標準
三級工傷(shang)鑒定標準包(bao)括:器官嚴重(zhong)缺損或(huo)畸形,有嚴重(zhong)功能障礙或(huo)并發(fa)癥,存在(zai)特(te)殊醫療依賴,或(huo)生活部分不能自理者等更多內容。
(4)四級工傷鑒定標準
四級工傷(shang)鑒定標準包(bao)括:一手全(quan)肌(ji)癱(tan)肌(ji)力≤2級;腦脊液(ye)漏伴有顱底(di)骨缺(que)損(sun)不能修復或(huo)(huo)反復手術失(shi)敗;面部中度毀(hui)容(rong);全(quan)身(shen)瘢痕面積≥60%,四肢大關節(jie)中1個關節(jie)活(huo)動功(gong)能受限;面部瘢痕或(huo)(huo)植皮≥1/2并有輕度毀(hui)容(rong);雙拇指完全(quan)缺(que)失(shi)或(huo)(huo)無(wu)功(gong)能等更(geng)多內容(rong)。
(5)五級工傷鑒定標準
五級工傷鑒定標準包括:不完全性失(shi)(shi)用、失(shi)(shi)寫、失(shi)(shi)讀、失(shi)(shi)認等具(ju)有多(duo)項(xiang)者(zhe);全身瘢痕占體(ti)表面積≥50%,并(bing)有關節活(huo)動功(gong)能受限;面部瘢痕或植皮≥1/3并(bing)有毀容標準之一項(xiang);脊柱(zhu)骨(gu)折(zhe)后遺(yi)30°以上側(ce)彎或后凸畸形,伴(ban)嚴重根性神(shen)經痛(以電生理檢查為依(yi)據)等更多(duo)內(nei)容。
(6)六級工傷鑒定標準
六級工傷鑒(jian)定(ding)標準(zhun)包(bao)括(kuo):撕脫(tuo)傷后(hou)頭(tou)皮缺失1/5以上;脊(ji)柱骨折后(hou)遺小于30°畸形伴根(gen)性神(shen)經(jing)病(神(shen)經(jing)電生理檢查不正常);單純一(yi)拇(mu)(mu)指完(wan)全(quan)(quan)缺失,或連同另一(yi)手非拇(mu)(mu)指二指缺失;一(yi)拇(mu)(mu)指功(gong)能(neng)完(wan)全(quan)(quan)喪失,另一(yi)手除拇(mu)(mu)指外有二指功(gong)能(neng)完(wan)全(quan)(quan)喪失等(deng)更(geng)多內容。
(7)七級工傷鑒定標準
七級工傷鑒定標準包括(kuo):燒傷后(hou)顱骨全(quan)層(ceng)缺損≥30cm2,或在硬腦(nao)膜(mo)上植皮面(mian)(mian)積(ji)≥10cm2;頸部(bu)瘢痕(hen)攣縮,影響頸部(bu)活(huo)動;全(quan)身瘢痕(hen)面(mian)(mian)積(ji)≥30%;面(mian)(mian)部(bu)瘢痕(hen)、異物或植皮伴色素改變占面(mian)(mian)部(bu)的10%以上等更多內(nei)容。
(8)八級工傷鑒定標準
八(ba)級工傷(shang)鑒(jian)定標準包括:雙足部(bu)(bu)分(fen)(fen)(fen)(fen)肌(ji)癱肌(ji)力4級;單足部(bu)(bu)分(fen)(fen)(fen)(fen)肌(ji)癱肌(ji)力≤3級;腦葉(xie)切除(chu)術后(hou)無功(gong)能障(zhang)礙;符合重度毀容標準之(zhi)一項者;面部(bu)(bu)燒(shao)傷(shang)植皮(pi)≥1/5;面部(bu)(bu)輕度異物沉著或(huo)色素脫失;雙側(ce)耳(er)廓(kuo)部(bu)(bu)分(fen)(fen)(fen)(fen)或(huo)一側(ce)耳(er)廓(kuo)大部(bu)(bu)分(fen)(fen)(fen)(fen)缺損等更多(duo)內容。
(9)九級工傷鑒定標準
九級工傷鑒定標準包(bao)括(kuo):頸(jing)(jing)部(bu)外傷致頸(jing)(jing)總、頸(jing)(jing)內動脈狹窄,支架置入(ru)或(huo)血管搭橋手術后無(wu)功(gong)能障礙;符合中度(du)(du)毀容(rong)標準之二項或(huo)輕(qing)度(du)(du)毀容(rong)者;發際邊緣瘢(ban)痕(hen)性禿發或(huo)其他部(bu)位(wei)禿發,需戴假發者等更多內容(rong)。
(10)十級工傷鑒定標準
十級(ji)工傷鑒定標(biao)準(zhun)包括:器官部分缺損,形態異常,無(wu)功能障礙,無(wu)醫療依賴,生活能自理者(zhe)等更多內容。
(1)造(zao)成一般傷(shang)害(未達到殘(can)疾)的(de)賠償(chang):醫(yi)療(liao)費(fei)、傷(shang)者住院期(qi)間的(de)伙食補(bu)助(zhu)費(fei)、生活護理費(fei)、工傷(shang)期(qi)間的(de)工資、交通食宿(su)費(fei)。
(2)造成傷殘(can)的(de)(de)賠償:醫療(liao)費(fei)、傷者(zhe)住院期間(jian)的(de)(de)伙食補助(zhu)費(fei)、生活(huo)護理費(fei)、工(gong)傷期間(jian)的(de)(de)工(gong)資、交通食宿費(fei)、輔助(zhu)器具(ju)費(fei)、一次性(xing)傷殘(can)補助(zhu)金、傷殘(can)津(jin)貼、一次性(xing)工(gong)傷醫療(liao)補助(zhu)金、一次性(xing)傷殘(can)就業補助(zhu)金。
(3)造(zao)成死亡的賠償:喪(sang)葬補助(zhu)金、一次性(xing)傷亡補助(zhu)金、供養親屬撫恤金。
(4)職工(gong)(gong)下落(luo)不明(ming)的情況(kuang):職工(gong)(gong)外出或搶險救災中下落(luo)不明(ming)的賠償項目(mu),要分不同情況(kuang)而定。職工(gong)(gong)沒有(you)(you)被(bei)宣告死(si)亡(wang)(wang)的,其直系親屬(shu)可(ke)以獲得的賠償項目(mu)有(you)(you):供養親屬(shu)撫恤金、一(yi)次性工(gong)(gong)亡(wang)(wang)補(bu)助金的50%(生活(huo)有(you)(you)困難的);職工(gong)(gong)被(bei)宣告死(si)亡(wang)(wang)的,其直系親屬(shu)可(ke)以獲得的賠償項目(mu)有(you)(you):喪葬費(fei)、供養親屬(shu)撫恤金、一(yi)次性工(gong)(gong)亡(wang)(wang)補(bu)助金。
(1)工傷報告程序
用人單位為勞(lao)動者在工傷(shang)保險(xian)機構投了工傷(shang)保險(xian)的才有這個(ge)程序,單位應當自(zi)工傷(shang)事(shi)故發生之(zhi)日(ri)(ri)或者職(zhi)業病確診之(zhi)日(ri)(ri)起15日(ri)(ri)內(nei),向當地勞(lao)動行(xing)政部門提出工傷(shang)報告(gao)。
(2)工傷認定程序
由社會保險(xian)經辦(ban)機構對工(gong)傷(亡)事(shi)故進行(xing)調(diao)查確定(ding)是否(fou)屬工(gong)傷的程序,這(zhe)是一(yi)般工(gong)傷必(bi)走第一(yi)步。但用人單位書(shu)面認可(ke)為工(gong)傷的,又沒有投工(gong)傷保險(xian)的情(qing)況(kuang)下,可(ke)以不走這(zhe)一(yi)程序。
注意工傷認定的(de)兩個時間:單位沒有提起工傷認定的(de),工傷者一定要在(zai)事故(gu)發生之日起一年內(nei)向勞動部(bu)門提出申請(qing)。社保(bao)經辦機構調查認定后,書面通知單位及傷者。
(3)工傷鑒定程序
工(gong)傷鑒(jian)定(ding)(ding)是在申請工(gong)傷鑒(jian)定(ding)(ding)的(de)職工(gong)被認(ren)定(ding)(ding)為工(gong)傷的(de)基(ji)礎(chu)上(shang)(shang)(即走完工(gong)傷認(ren)定(ding)(ding)程序(xu)后),在其醫療(liao)(liao)終(zhong)結或醫療(liao)(liao)期滿之(zhi)后,由(you)縣以上(shang)(shang)勞動鑒(jian)定(ding)(ding)委員會對其進行的(de)評(ping)定(ding)(ding)傷殘等(deng)級(ji)的(de)行為。廣義(yi)的(de)工(gong)傷鑒(jian)定(ding)(ding)包括(kuo)勞動能力鑒(jian)定(ding)(ding)和致殘等(deng)級(ji)鑒(jian)定(ding)(ding)。窄(zhai)義(yi)的(de)工(gong)傷鑒(jian)定(ding)(ding)指致殘等(deng)級(ji)鑒(jian)定(ding)(ding)。
(4)協商賠償程序
工(gong)傷(shang)鑒定以后,就可(ke)以依據(ju)(ju)(ju)鑒定的(de)(de)標準(zhun)計算出賠償數額了。單(dan)位(wei)投(tou)了工(gong)傷(shang)保(bao)險(xian)的(de)(de),就直接(jie)由國家工(gong)傷(shang)保(bao)險(xian)機構(gou)依據(ju)(ju)(ju)標準(zhun)發放工(gong)傷(shang)保(bao)險(xian)待遇。沒有(you)投(tou)保(bao)的(de)(de)(特指在工(gong)傷(shang)保(bao)險(xian)機構(gou)投(tou)保(bao)),則依據(ju)(ju)(ju)標準(zhun)與用人單(dan)位(wei)協商解決。
(5)勞動仲裁程序
與用人單位協商解決(jue)不了的,則(ze)可以依據勞動(dong)仲(zhong)(zhong)裁(cai)法規提起仲(zhong)(zhong)裁(cai)程序。
(6)法院審理程序
對勞動(dong)仲裁不(bu)服的,可(ke)以向(xiang)法院提起訴訟解決。對一審(shen)法院判決不(bu)服的,可(ke)以依法向(xiang)二(er)審(shen)法院提起上(shang)訴。
(7)執行程序
仲裁(cai)或者(zhe)判(pan)決生效(xiao)后,用人單位不支付賠償費的,則可以依(yi)據生效(xiao)法(fa)律文書向法(fa)院執行(xing)(xing)局提(ti)起執行(xing)(xing)申請,由(you)法(fa)院執行(xing)(xing)。
(8)申訴程序
對(dui)生效判決不服(fu)的,則可(ke)以申請(qing)啟動再審程序,但(dan)這一般很難。
(1)1-10級一次性傷殘補助金
依據《工傷(shang)保險(xian)條例(li)》第(di)三(san)十(shi)(shi)五條、第(di)三(san)十(shi)(shi)六(liu)條、第(di)三(san)十(shi)(shi)七條規(gui)定,職工因工致殘(can)被(bei)鑒(jian)定為一(yi)級(ji)至十(shi)(shi)級(ji)傷(shang)殘(can)的,由工傷(shang)保險(xian)基(ji)金(jin)(jin)支付一(yi)次(ci)性傷(shang)殘(can)補(bu)助金(jin)(jin),標準如下:
一級傷殘:本人(ren)工資×27;
二級傷殘:本人(ren)工資×25;
三級(ji)傷(shang)殘:本人工資×23;
四(si)級傷殘:本(ben)人工資(zi)×21;
五級傷殘:本人工資×18;
六級傷殘:本人工資×16;
七級傷殘:本人工資×13;
八級傷殘(can):本人工資×11;
九級傷(shang)殘:本人工資×9;
十級傷殘(can):本人工資×7。
(2)1-6級傷殘津貼(按月享受)
依(yi)據《工(gong)傷保險條例》第三十(shi)五條、第三十(shi)六(liu)條規定(ding),職工(gong)因工(gong)致(zhi)殘被鑒定(ding)為一(yi)級(ji)至六(liu)級(ji)傷殘的(de),按(an)月(yue)支付(fu)傷殘津(jin)貼,標準如下:
一級(ji)傷(shang)殘(can):本人(ren)工資×90%;
二(er)級傷殘(can):本人工資×85%;
三級(ji)傷殘:本(ben)人工資×80%;
四級傷(shang)殘(can):本人工(gong)資×75%;
五級傷殘(can):本(ben)人工資×70%;
六級(ji)傷(shang)殘:本人工資×60%。
(3)5-10級一次性工傷醫療補助金和傷殘就業補助金
①一次性工傷醫(yi)療補助金:由工傷保險基金支付;
②一次性傷殘就業補助金:由(you)用人單位支付;
一(yi)種是(shi)參加工(gong)傷保險的(de)(de)(de)賠償。這里需要注意(yi)的(de)(de)(de)期(qi)限(xian)與工(gong)傷認定一(yi)樣,即用(yong)(yong)人(ren)單位(wei)必須在(zai)事故傷害發(fa)生(sheng)之(zhi)日或(huo)者被診斷、鑒定為職業病之(zhi)日起30日內(nei),向勞動保障行(xing)政部門提出工(gong)傷認定申請(qing)。如用(yong)(yong)人(ren)單位(wei)在(zai)依法規定的(de)(de)(de)時限(xian)內(nei)提交工(gong)傷認定申請(qing)的(de)(de)(de),在(zai)此(ci)(ci)期(qi)間發(fa)生(sheng)符合(he)《工(gong)傷保險條例》規定的(de)(de)(de)工(gong)傷待遇等(deng)有關費用(yong)(yong)由該用(yong)(yong)人(ren)單位(wei)負擔。因此(ci)(ci),需提醒參保的(de)(de)(de)用(yong)(yong)人(ren)單位(wei)切莫小視工(gong)傷認定30日的(de)(de)(de)期(qi)限(xian)。
另一(yi)種是參加工傷保險的(de)(de)賠償。發生(sheng)工傷后,用人單位(wei)因種種原(yuan)因不(bu)能及(ji)時支(zhi)付工傷待遇(yu)勞動爭議而引起(qi)的(de)(de)糾紛,其(qi)申請(qing)仲裁(cai)的(de)(de)期(qi)(qi)限期(qi)(qi)間(jian)為一(yi)年,該(gai)仲裁(cai)期(qi)(qi)限期(qi)(qi)間(jian)從當事人知道或者應當知道其(qi)權利被侵害之日起(qi)計(ji)算。
網(wang)(wang)上(shang)申(shen)報(bao)是指經稅(shui)務機關(guan)批(pi)準的繳費(fei)單(dan)位通過互聯網(wang)(wang)形(xing)式(shi)辦(ban)理社保(bao)費(fei)申(shen)報(bao)手續(xu)。繳費(fei)單(dan)位采取網(wang)(wang)上(shang)申(shen)報(bao)方(fang)式(shi)辦(ban)理社保(bao)費(fei)申(shen)報(bao)的,應當(dang)按照(zhao)稅(shui)務機關(guan)規定(ding)(ding)的期限和要求(qiu)保(bao)存有關(guan)資料,并定(ding)(ding)期書面報(bao)送主管(guan)稅(shui)務機關(guan)。
1、稅務登(deng)記證副(fu)本(企業(ye)提供)或組織(zhi)機構代碼(ma)證(行政事業(ye)單位提供)原件;
2、《網(wang)上申報納稅協議(yi)書(shu)》(一式兩(liang)份,單位加蓋公章);
3、《委托銀行扣繳稅(shui)(費)協議書(shu)》(一式(shi)三份)(注:如果稅(shui)收(shou)已(yi)簽(qian)過該協議書(shu),則不需要提(ti)供該項資(zi)料)。
納稅(shui)人(ren)持所需資料到(dao)地稅(shui)服務(wu)廳(ting)、主管稅(shui)務(wu)機關(guan)(guan)提出申請(qing);稅(shui)務(wu)機關(guan)(guan)受(shou)理后,辦(ban)理開通網報,并(bing)發放網報時所需的用戶名和密碼;繳費(fei)單位(人(ren))在(zai)辦(ban)理完開通手續半(ban)個工(gong)作(zuo)日后,即可在(zai)全市各自(zi)助辦(ban)稅(shui)區或(huo)能連接互聯網的電腦登(deng)錄到(dao)省(sheng)地方(fang)稅(shui)務(wu)局網站,點擊進入“辦(ban)稅(shui)大廳(ting)”進行申報操作(zuo)
①社保(bao)(bao)(bao)(bao)(bao)費當月申(shen)報(bao)當月繳納(na);②每人(ren)每月只能(neng)有一(yi)個申(shen)報(bao)工(gong)(gong)資;③所(suo)有參加(jia)職(zhi)工(gong)(gong)醫(yi)保(bao)(bao)(bao)(bao)(bao)的(de),必須參加(jia)補充醫(yi)療保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian);③按規定(ding),機關(guan)(guan)、事業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)單(dan)位(wei)(wei)、社會(hui)團體的(de)所(suo)有職(zhi)工(gong)(gong)和企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)、民(min)辦非(fei)(fei)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)單(dan)位(wei)(wei)及個體工(gong)(gong)商戶(hu)(hu)30周歲(sui)(含(han)30周歲(sui))以上職(zhi)工(gong)(gong)必須參加(jia)綜(zong)合(he)(he)基本醫(yi)療保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian);④退休人(ren)員(yuan)不能(neng)參保(bao)(bao)(bao)(bao)(bao)除醫(yi)療保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)外(wai)的(de)其他險(xian)(xian)(xian)(xian)種(zhong);⑤根(gen)據(ju)“戶(hu)(hu)籍類(lei)型(xing)”及“用工(gong)(gong)形式(shi)(shi)”區分一(yi)般失業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)與農(nong)(nong)(nong)民(min)工(gong)(gong)失業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。若參保(bao)(bao)(bao)(bao)(bao)人(ren)員(yuan)“戶(hu)(hu)籍類(lei)型(xing)”為“本地(di)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)戶(hu)(hu)口(kou)”或“外(wai)地(di)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)戶(hu)(hu)口(kou)”,則(ze)“用工(gong)(gong)形式(shi)(shi)”必須選擇“農(nong)(nong)(nong)村(cun)合(he)(he)同(tong)制(zhi)(zhi)工(gong)(gong)人(ren)”,申(shen)報(bao)失業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)時必須選擇“農(nong)(nong)(nong)民(min)工(gong)(gong)失業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)”;反之,“戶(hu)(hu)籍類(lei)型(xing)”為“本地(di)非(fei)(fei)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)戶(hu)(hu)口(kou)”或“外(wai)地(di)非(fei)(fei)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)戶(hu)(hu)口(kou)”,則(ze)“用工(gong)(gong)形式(shi)(shi)”不能(neng)選擇“農(nong)(nong)(nong)村(cun)合(he)(he)同(tong)制(zhi)(zhi)工(gong)(gong)人(ren)”,根(gen)據(ju)實際選擇其他類(lei)型(xing),申(shen)報(bao)失業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)時必須選擇“一(yi)般失業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)”。⑥網(wang)上申(shen)報(bao)的(de)繳費單(dan)位(wei)(wei),應按季度向主(zhu)管稅務機關(guan)(guan)報(bao)送紙質《社會(hui)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費分險(xian)(xian)(xian)(xian)種(zhong)申(shen)報(bao)匯總表》(申(shen)報(bao)表可在網(wang)上辦稅系統打印,并加(jia)蓋單(dan)位(wei)(wei)公章)。
一(yi)般來(lai)說,賬戶都是你(ni)(ni)的身(shen)份(fen)證號,沒辦法注銷(xiao),你(ni)(ni)可以(yi)回(hui)你(ni)(ni)原單位(wei)辦理解除合同手續,將你(ni)(ni)的檔案及(ji)保險轉到新單位(wei)就可以(yi)了,因為(wei)各地在(zai)實際操作上有差異,你(ni)(ni)可以(yi)撥打12333咨詢一(yi)下你(ni)(ni)們當地勞動部門。
不能。工傷保險是社會保險,是強制性保險;商業保險是非強制性保險,是工傷保險的補充。用人單位為員工購買商業保險,是用人單位自愿給職工的一種福利,且其受益人是員工而非用人單位。所以當員工遇到人身傷害時,商業保險并不能代替工傷保險。【詳細】
工(gong)傷(shang)保險有一個不人性的(de)規定,那就是(shi)在工(gong)作(zuo)時間和工(gong)作(zuo)崗位(wei),突發(fa)疾病死亡或者在48小(xiao)時之內經搶救(jiu)無(wu)效(xiao)死亡的(de),視同工(gong)傷(shang);如果超過48小(xiao)時,不算工(gong)傷(shang)。