Regarding the "five insurances and one housing fund", Fu Xin has other plans, and now it is only 80 years old, and if he wants to completely follow the future generations to engage in "five insurances and one housing fund", he must kneel, so this needs to be revised.

In the original "five insurances and one housing fund", endowment insurance, medical insurance and unemployment insurance, these three types of insurance are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are completely borne by enterprises, and individuals do not need to pay.

However, in October 79, the central government issued the "Notice on Resuming Domestic Insurance Business and Strengthening Insurance Institutions", and the domestic business of Chinese People's Insurance Company was fully restored, and at the same time, institutions at all levels were quickly established. Therefore, there is no problem with insurance, but there must be a problem with how to insure it.

At this time, the people definitely don't have the concept of insurance, so if you ask him to bear a part of the premium, many people must be unwilling, which needs to be changed, how to change it?

Fu Xin didn't think too much, he decided, just take these five insurances as a kind of welfare for employees, a kind of protection, but also to stabilize the people's hearts, although he is a test product, the above is a little guaranteed for it, but if you don't do a good job, if you go too far against Ma Zhe and other ideas, exploit the working class, and the policy is not clear, then there will be a miserable death, and then the test product will have to be scrapped halfway!

All premiums are borne by the factory, and individuals do not need to care, how to insure, when the time comes, talk to the insurance company, and the insurance company will not be able to negotiate the project, and our factory will do it internally.

"Let me explain to you this 'five insurances and one housing fund' in detail! Let's start with pension insurance. "Fu Xin decided to popularize the knowledge of 'five insurances and one housing fund' with everyone.

"Pension insurance, as the name suggests, aims to ensure the basic living needs of the elderly and provide them with a stable and reliable source of life. It is a social insurance system established to solve the basic life of workers after reaching the working age limit for discharging labor obligations stipulated by the state, or after retiring from the labor post due to old age.

Of course, this kind of social insurance system was created by me and was not recognized by the state and the people, so it only applies to the workers in our factory. The following are also the same, I will not repeat the explanation!

Medical insurance refers to the insurance that takes the occurrence of the medical acts agreed in the insurance contract as the condition for the payment of insurance benefits, and provides protection for the medical expenses of the insured during the period of diagnosis and treatment. This is mainly just in case, if there is any illness, the insurance company will compensate a part of the medical expenses to reduce the burden on the family. You should all understand.

Unemployment insurance, which is mainly established to ensure the basic livelihood of wage earners after unemployment, covers most members of the labor force.

Maybe some people will have doubts about this, because you are an iron rice bowl and are not afraid of careers. Wrong, I've already said it, I'm not a benevolent church, you don't want to work hard, I don't want to give strength. So don't see your job as an iron rice bowl, if you don't work hard, I will definitely let you be laid off, this unemployment insurance is just to let you have a source of income after you are laid off.

But you don't want to receive it for a lifetime, because this insurance roommate must receive it for a certain period of time, otherwise everyone will buy an unemployment insurance, and then don't work for the rest of their lives, that's unrealistic, where does the insurance company get so much money. ”

Fu Xin said this, and everyone burst into a smile of understanding, how can there be such a good thing in the world!

Fu Xin continued: "Work-related injury insurance, which is different from medical insurance, is a social insurance system in which workers or their surviving family members receive material assistance from the state and society when they suffer from accidental injuries or occupational diseases resulting in temporary or permanent incapacity for work and death at work or under specified special circumstances. Work-related injury insurance is only applicable to work-related injuries, not to go to the hospital because of work-related injuries, and other insurance companies will not compensate for this.

Maternity insurance refers to a social insurance system in which the state and society provide timely material assistance to workers when their labor force is temporarily interrupted due to the birth of children. It mainly includes two items, one is maternity allowance, and the other is maternity medical treatment. Its main objective is to help working women regain their ability to work and return to work by providing them with maternity benefits, medical care and maternity leave.

Here's the point of explaining, men, definitely won't have children, so you must be wondering, isn't it unfair? Isn't there one less insurance for our male workers? No, male workers, our factory will also buy maternity insurance for you. ”

Fu Xin said this, some women below were snickering, and the men were also a little embarrassed.

"Isn't it a shame that you say a big man, why do you want to take out this maternity insurance? We won't have children! "At this time, the question in the minds of all men is done.

"Don't laugh, don't be embarrassed, male workers, do have to buy this maternity insurance, after all, the child is both parents, and the man sometimes needs to take care of the child at home, which will inevitably lead to lost work, and the salary will be less if you miss work, and with this maternity insurance, although you can't get as much as usual, at least there is a subsidy! Who would be afraid of less money, right? ”

Everyone is no longer embarrassed to laugh, no one will think that there is little money, and it is indeed a problem that there is no pay because of the child's missed work.

"Okay, after the five insurances have been explained, I'll explain the one gold, I said that this one gold is the housing provident fund, which is not very accurate. Let me explain how this works! ”

Fu Xin suddenly realized that he had directly said the word "housing provident fund" before, which was too presumptuous and not thoughtful. At this time, it is really not very suitable to promote the housing provident fund, but now it has been proposed, so I have to bite the bullet.

"Housing provident fund, I haven't thought about it too clearly, I'll talk about how to pay it first! Housing provident fund, the factory will not give you all out, the factory will pay 20%, you have to pay 80%, whether you are willing to pay, it is all voluntary. I will set the amount at one-tenth of your salary, which is equal to 8 percent for you and 2 percent for the factory.

The factory will keep the amount paid for you. When you need to renovate an old house and build a new one, you can extract it. In addition, if an employee leaves, retires, dies, or completely loses the ability to work and terminates the labor relationship with the employer, moves out of the household registration or settles abroad, etc., the housing provident fund will also be returned to the employee or his family. ”

Fu Xin said: "I've finished explaining, if you have any questions, you can raise your hand!" ”

There are not a few people who have doubts, as soon as Fu Xin's voice fell, someone raised his hand sparsely below, and after a while, almost eighty percent of the people raised their hands.

Fu Xin was very satisfied with Lao Zhangtou's performance, so he decided that he would be the first to ask questions, Fu Xin pointed at him and motioned for him to stand up and ask questions.

Lao Zhangtou understood, stood up, and asked: "Director Fu, I think your system is very good, but I still have some doubts, that is, the maternity insurance, people like me who have children in their twenties and thirties, is there any?" ”

Fu Xin replied: "Uncle Zhang, I'm sorry, you don't have this insurance, maternity insurance still needs to vary from person to person, after all, some people don't need this insurance at all, and the factory can't spend this unjust money." ”

"But I still have grandchildren, and sometimes I have to take them with me!" Lao Zhangtou asked.

was asked by Lao Zhangtou like this, Fu Xin was not annoyed and angry, but patiently explained: "Everyone may have questions about this maternity insurance, it seems that I can't explain it clearly, let me explain it again!"

The main reason why I set up this maternity insurance is to protect the rights and interests of women, and most importantly, to protect the rights and interests of women during childbirth. The reason why I included male employees was also for the sake of fairness.

As for Uncle Zhang's question, I think, grandchildren are not born, this insurance, the name is called maternity insurance, this is first of all, to be able to give birth, right!

Maternity insurance, I estimate that the insurance company can only insure female employees. That's why I think so, for female employees, if you can be insured by the insurance company, the factory will definitely pay for you. As for male employees, if there are children to bring at home, resulting in missed work, the factory will give you a carer's leave allowance and a carer's leave allowance, I think so.

Your salary for the month, during your employment, calculated from your normal salary, and during your nursing leave, you will be paid 30% of your basic salary as an allowance, which adds up to your actual salary for the month!

Of course, everyone should remember to ask your superiors for leave, if you run away without saying hello, I won't send it to you! Nursing leave can only be one month a year at most. ”

"By the way, when it comes to taking time off, I'll talk a little bit more. Personal leave, the day of the leave is not paid. Sick leave, 30 to 50 percent pay, depending on the situation! Do you still have questions? ”

"Director, I have!" The aunt who had taught her son before stretched out her hand and stood up.

Fu Xin was not angry, but smiled and said, "Auntie, don't hesitate to mention any questions you have!" ”

"Factory director, the treatment you gave is really good, I am jealous, so I want to ask our family members if there is a chance to join the factory to work?" This aunt is obviously not an employee of the factory, but a factory employee, and should be her spouse.

"By the way, my man is one of the two seventh-level workers in the factory, his name is Zhou Dahe!" The aunt may feel that there is no convincing without identity, and added.

"Anyone who has the ability can join! Look at this person next to me, his name is Army, and he is only twenty-four years old today, but his ability is very strong, he will become a member of you, and I will position him as an eighth-level worker!

But it's not that I set him as an eighth-level worker, he is an eighth-level worker, and he must show real skills! So I first gave him three months' fourth-level salary, and if he proved his ability during these three months, he would have been paid eighth-level salary!

By the way, he didn't get the national eighth-level technician certificate, but he took this salary, which means that he has the ability! So I'm going to do this, as long as you can prove that your ability exceeds the current mechanic level, you can come to me, and I will try you for three months.

If that's the case, I won't manage the mechanic level assessed before, and I'll immediately upgrade you to the level you should stay in! But the ugly words are ahead, if you don't have the ability to fool me, if I find out, I will be demoted at least and dismissed at worst! ”

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