Bankruptcy state-owned enterprise retirees have insurance subsidies
By the end of 2009, the retired personnel of the three types of state-owned enterprises in the province had basically been included in the medical insurance for local urban employees. However, some of the retired employees of the three types of state-owned enterprises still did not participate in the medical insurance.
Among them, the renounced system and newly-added central and central decentralized local policy-based closures and bankruptcy of state-owned enterprise retirees participate in the medical insurance. The enterprises apply and the relevant departments apply to the state. The standard for subsidy funds is calculated at RMB 12,600 for each retirees, and according to the provisions of each unified plan, they shall participate in the medical insurance of local urban employees and enjoy corresponding treatment.
Before May of 2007, the local government failed to complete the bankruptcy and local bankruptcy of state-owned enterprises. The retirees of state-owned enterprises can participate in the policy of solving the three types of key personnel with reference to the state and the province. The insured funds are based on the standard of RMB 12,600 for each retirees. Funding is resolved by the government at the same level according to the affiliation of the company.
From June 2007 to May 2009, new local policy closures, bankruptcy, and local bankruptcy of state-owned enterprises, retirees of state-owned enterprises can participate in the insurance, and they can participate in the local unified urban and rural employees' medical insurance, or through the construction of unified funds and large-scale medical care. The method of cost subsidy is to participate in the medical insurance for local urban employees. In principle, the participating funds can be raised at one time according to the standard of RMB 12,600 per retirees.
The retirees of the closed and bankrupt state-owned enterprises that appeared after June 2009 participated in the insurance. All localities must strictly implement the "Enterprise Bankruptcy Law" and other laws and regulations, properly solve the funds required for retirees to participate in insurance, and participate in the medical insurance of local urban employees.
Difficulties in financing can reduce the contribution rate
For other types of enterprise retirees, the basic medical security issues, the province will refer to close the bankruptcy of state-owned enterprises retirees to coordinate the solution. Among them, retired employees who have not been covered by the bankruptcy collective enterprises and all types of retirees who have participated in the old-age insurance but have not participated in the medical insurance participate in the urban basic medical insurance. The funding standards are based on the overall level of local economic and social development and refer to the national and provincial solutions. The standard for the financing of enterprise retirees is determined. The insured funds are mainly settled by the original enterprise or enterprise group and the retirees themselves who belong to the retirees. The municipal and county finances can provide appropriate subsidies.
These personnel can participate in unified urban and rural employee medical insurance; if there is difficulty in raising funds, they can reduce the contribution rate, build unified funds and subsidies for large-scale medical expenses, do not set up personal accounts temporarily, and participate in urban employees’ medical insurance; If the medical insurance for employees is indeed difficult, they may participate in medical insurance for the urban residents in the Territory and enjoy the benefits of medical insurance for urban residents according to their own wishes.
Difficult enterprises can suspend payment of medical insurance premiums
After being identified as a difficult company, its employees can enjoy preferential policies when they participate in basic medical insurance. According to our province's regulations, three types of enterprises will be recognized as difficult enterprises. First, enterprises that temporarily lose money and cannot normally produce production for more than six months or less, and who are temporarily unable to participate in the overall planning of the medical insurance system, will be bound by the wages owed to the employees. Second, long-term losses, after deducting employee wages and maintaining the normal operating costs of the enterprise, there are still some companies that have the ability to pay but cannot participate in medical insurance at the normal rate of payment, with the issue of some wages or living expenses; Businesses that have ceased operations and are unable to pay fees according to the minimum payment standards stipulated in the medical insurance policy have stopped production for more than one year.
Enterprises that temporarily lose money may continue to be exempted from paying 1-2 months of medical insurance premiums, but they may also postpone payment of medical insurance premiums. However, they may not exceed three months in a payment year and must make up for the same year. Late overdue, according to the relevant provisions of medical insurance around.
Enterprises with long-term losses that still have some ability to pay may continue to be exempted from paying 1-2 months of medical insurance premiums by referring to temporary loss-less capacity-paying enterprises; or by lowering their contribution rates, they can only build unified funds and large-scale medical expenses for their employees. Subsidy, the method of not establishing a personal account temporarily, continue to participate in the medical insurance for urban employees, and wait until the conditions are ripe to pay the fees normally. The payment of the unpaid expenses is based on the relevant provisions of medical insurance in various places.
For enterprises that have been suspended for a long period of time and have no ability to pay fees, they must, through legal means such as bankruptcy reform, realise assets and participate in medical insurance for urban employees. Those who are truly unable to participate in the medical insurance for urban employees are approved by the unified government and may also participate in medical insurance for urban residents. Employees in hard-to-work enterprises participating in urban residents' medical insurance must be discussed and approved by the company's employee representative meeting. After agreeing with more than 80% of the employees, they shall be approved by the same level of human resources, social security, finance, and state-owned assets, submitted to the same level of government for approval, and reported to the municipal level. The government records.
Flexible employees can choose the type of insurance
The reporter was informed that the province will also actively promote the participation of urban non-public economic organizations, flexible employment personnel and migrant workers in urban basic medical insurance. The employees of urban non-public economic organizations that have signed labor relations with employers should participate in the medical insurance for urban employees, and enjoy the same treatment as those of other employees.
Flexible employment personnel may voluntarily participate in medical insurance for urban residents, and may also participate in urban medical insurance. They may participate in the medical insurance for urban employees according to their own wishes. They may first solve the problem of protecting the cost of hospitalization and outpatient medical expenses for flexible employees, or they may be eligible. The flexible employment personnel also established individual accounts and implemented large-scale medical subsidies.
For people with employment difficulties who hold the Employment Unemployment Registration Certificate, if they apply for flexible employment and participate in social insurance in the local human resources and social security department, they will enjoy medical insurance subsidies for a maximum period of three years.
Migrant workers who have signed labor relations with employers should participate in the medical insurance of local urban employees and enjoy the corresponding medical treatment benefits. Migrant workers who have difficulties in participating in urban medical insurance may choose to participate in the new rural cooperative medical care where the urban residents medical insurance or household registration is located.
These three types of personnel can only choose to participate in a type of insurance in the urban employees' medical insurance, urban residents' medical insurance or new rural cooperative medical insurance during one year of enrollment, and they can only enjoy one kind of insurance treatment.
Urban workers' medical insurance and residents' medical insurance can be converted
Our province stipulates that closure of retirees of bankrupt companies, employees of difficult enterprises, and flexible employment personnel are allowed to participate in urban residents' medical insurance if they have difficulty in participating in medical insurance for urban employees. After the conditions are ripe, they may choose to participate in medical insurance for urban employees. Among them, those who participate in urban residents' medical insurance shall, in principle, calculate the amount of payment for medical insurance for urban employees according to the amount of payment for two years of continuous participation in urban residents' medical insurance, and shall not calculate if they continue to pay for less than two years. The insured personnel enjoy the benefits of medical insurance for their employees from the next year, and their payment terms, payment standards, and treatment levels shall be implemented in accordance with the relevant provisions of the overall plan for urban employees' medical insurance. For the employees of extremely poor employees recognized by trade union organizations and assisted by civil affairs departments at the same level to participate in urban residents' medical insurance, according to the requirements of document No. 28 of the People's Society of China [2009], when they are transferred to urban employees' medical insurance, the number of years of insurance shall be calculated continuously and From the next month after transferring to the medical insurance of employees, enjoy medical insurance treatment for employees.
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