工傷保險有年齡限制嗎
工傷保險有年齡限制,工傷保險只能是合法的勞動者才可以參加,法律規定十(shi)(shi)六周(zhou)歲(sui)的人與單位簽訂勞動合(he)同才(cai)(cai)是合(he)法的,才(cai)(cai)屬(shu)于(yu)合(he)法的勞動者(zhe)。未滿十(shi)(shi)六周(zhou)歲(sui)的勞動者(zhe)屬(shu)于(yu)童工(gong),使用童工(gong)是違法的。
購買工傷保險的好處有哪些
1、參加工傷保險,可以較好地維護傷殘職工的合法權益
企業職工(gong)(gong)(gong)(gong)參(can)加工(gong)(gong)(gong)(gong)傷(shang)保險(xian),一旦發生事故(gu),由當(dang)地勞動保障行(xing)(xing)政部門依(yi)法(fa)進(jin)(jin)行(xing)(xing)工(gong)(gong)(gong)(gong)傷(shang)認定。確定是工(gong)(gong)(gong)(gong)傷(shang)的,由政府(fu)勞動鑒(jian)(jian)定機構對工(gong)(gong)(gong)(gong)傷(shang)職工(gong)(gong)(gong)(gong)的傷(shang)殘情況進(jin)(jin)行(xing)(xing)等級鑒(jian)(jian)定,并由政府(fu)社會保險(xian)部門按規定進(jin)(jin)行(xing)(xing)賠償(chang)。這(zhe)樣,就能較好地維護企業職工(gong)(gong)(gong)(gong)的合法(fa)權益。
2、參加工傷保險,可以減輕企業負擔
如果企業(ye)職工(gong)不參加工(gong)傷保險,一旦發生工(gong)傷事(shi)(shi)故,由企業(ye)承(cheng)擔職工(gong)工(gong)傷所(suo)帶來的醫藥(yao)費(fei)、傷殘(can)補助金、傷殘(can)津貼(tie)等諸多費(fei)用(yong)。但(dan)參加工(gong)傷保險后,不論(lun)企業(ye)發生何種工(gong)傷事(shi)(shi)故,其(qi)所(suo)需有關費(fei)用(yong)都可以由政府社(she)會保險機構按規定進行賠償(chang)。
3、參加工傷保險,可以增強企業安全意識,減少企業事故
企(qi)(qi)業參加工傷(shang)保(bao)險后,向政府社(she)會(hui)保(bao)險機構支付(fu)工傷(shang)保(bao)險基(ji)金,看(kan)起(qi)來(lai)(lai)付(fu)出了一些代(dai)價,但換(huan)來(lai)(lai)的(de)是(shi)增強了企(qi)(qi)業和職工的(de)安(an)全意識(shi),這將對企(qi)(qi)業預防(fang)事故發生起(qi)到良好的(de)促進作用。
如何購買工傷保險
參保(bao)登(deng)(deng)記(ji):用人(ren)單位先到工(gong)(gong)傷(shang)(shang)保(bao)險(xian)經辦機構辦理參保(bao)登(deng)(deng)記(ji)手續,填報(bao)《社會(hui)保(bao)險(xian)登(deng)(deng)記(ji)表》、《參加工(gong)(gong)傷(shang)(shang)保(bao)險(xian)人(ren)員(yuan)(yuan)情況表》、《工(gong)(gong)傷(shang)(shang)保(bao)險(xian)繳費申報(bao)核定表》、《參加工(gong)(gong)傷(shang)(shang)保(bao)險(xian)人(ren)員(yuan)(yuan)增減(jian)明(ming)細(xi)表》。
參保審(shen)核:工(gong)傷(shang)保險經辦機(ji)構根(gen)據(ju)用人(ren)單位(wei)提(ti)供(gong)的原始資料和數據(ju),對用人(ren)單位(wei)填寫的各類表(biao)格逐項(xiang)進行(xing)審(shen)核。
資料(liao)錄入(ru):工傷保(bao)險經辦機構將用人(ren)單位報送(song)的基礎信息錄入(ru)電腦,為用人(ren)單位和個人(ren)建立基礎檔案資料(liao)。
核定(ding)保費:工(gong)(gong)傷保險經(jing)辦機(ji)構根據分類行業基準費率(lv)的(de)(de)具體標準,確(que)定(ding)用(yong)人(ren)(ren)單(dan)(dan)位(wei)的(de)(de)初次繳(jiao)費費率(lv),然(ran)后乘以(yi)用(yong)人(ren)(ren)單(dan)(dan)位(wei)的(de)(de)當期繳(jiao)費基數(即:上(shang)年度職工(gong)(gong)工(gong)(gong)資總額)之積為用(yong)人(ren)(ren)單(dan)(dan)位(wei)繳(jiao)納的(de)(de)工(gong)(gong)傷保險費的(de)(de)數額。新成立的(de)(de)用(yong)人(ren)(ren)單(dan)(dan)位(wei),按湖南省上(shang)年度職工(gong)(gong)平均(jun)工(gong)(gong)資乘以(yi)用(yong)人(ren)(ren)單(dan)(dan)位(wei)職工(gong)(gong)人(ren)(ren)數之積為當期繳(jiao)費基數。
參(can)(can)保(bao)繳(jiao)(jiao)(jiao)費:用人(ren)單位根據征繳(jiao)(jiao)(jiao)股開具的(de)《工(gong)(gong)傷保(bao)險(xian)繳(jiao)(jiao)(jiao)款繳(jiao)(jiao)(jiao)費單》,采取直(zhi)接到(dao)經辦機構刷卡繳(jiao)(jiao)(jiao)納、到(dao)開戶銀(yin)行繳(jiao)(jiao)(jiao)納等(deng)方式繳(jiao)(jiao)(jiao)納工(gong)(gong)傷保(bao)險(xian)費后,即形成了工(gong)(gong)傷保(bao)險(xian)參(can)(can)保(bao)關系。
工傷保險繳費比例
1、不(bu)同工傷風險類別(bie)的(de)行(xing)(xing)(xing)業(ye)(ye)執行(xing)(xing)(xing)不(bu)同的(de)工傷保(bao)險行(xing)(xing)(xing)業(ye)(ye)基準(zhun)費率。各行(xing)(xing)(xing)業(ye)(ye)工傷風險類別(bie)對應的(de)全國(guo)工傷保(bao)險行(xing)(xing)(xing)業(ye)(ye)基準(zhun)費率為(wei),一類至(zhi)八類分別(bie)控制在該行(xing)(xing)(xing)業(ye)(ye)用人單位職工工資總額的(de)0.2%、0.4%、0.7%、0.9%、1.1%、1.3%、1.6%、1.9%左右。
2、通過費(fei)率(lv)(lv)浮(fu)動(dong)(dong)(dong)的(de)(de)辦法確定每個(ge)行(xing)業內的(de)(de)費(fei)率(lv)(lv)檔(dang)次(ci)。一(yi)類行(xing)業分(fen)(fen)為三個(ge)檔(dang)次(ci),即(ji)在基準(zhun)費(fei)率(lv)(lv)的(de)(de)基礎上(shang)(shang),可(ke)向上(shang)(shang)浮(fu)動(dong)(dong)(dong)至120%、150%,二類至八類行(xing)業分(fen)(fen)為五個(ge)檔(dang)次(ci),即(ji)在基準(zhun)費(fei)率(lv)(lv)的(de)(de)基礎上(shang)(shang),可(ke)分(fen)(fen)別向上(shang)(shang)浮(fu)動(dong)(dong)(dong)至120%、150%或向下浮(fu)動(dong)(dong)(dong)至80%、50%。
個人購買工傷保險可以嗎
根據目前的規定,個人是不能單獨繳納的,只能作為公司職(zhi)員,由(you)單位統一繳(jiao)納(na)工傷保(bao)險(xian)。如果(guo)是靈(ling)活(huo)就業人員,沒有單位繳(jiao)納(na)工傷保(bao)險(xian)的,可以(yi)自己購(gou)買(mai)商業意外(wai)險(xian)。