Tag Archive: insurance

Social Insurance For Foreign Employees in China

Foreign employees in China can participate in Social Insurance after going through employment procedures and obtaining corresponding employment certificates. Both the companyand the employee shall contribute to the payment. The contribution is calculated based on the monthly salary received by the employees and the rates for different types of insurance varies.

On September 6, 2011, the Ministry of Human Resources and Social Security issued the Interim Measures for the Participation of Foreigners Employed in China in Social Insurance (the Measures) which came into effect on October 15, 2011.

The Measures specifies that employers who employ foreigners shall, within 30 days of the date on which the employment certificate is handled, make arrangements for the foreigners to participate in social insurance. Foreigners employed in China, after going through employment procedures and obtaining corresponding employment certificates, shall participate in social security for employees, including basic endowment insurance for employees, basic medical insurance for employees, work-related injury insurance, unemployment insurance and maternity insurance.

The payment for foreigners shall be made on a monthly basis according to the monthly salary received by the foreign employee. Both the company and the employee shall contribute to the payment. The ratesare as follows:

– Basic endowment insurance: Company contribution = 22% Employee Contribution = 5%

– Basic medical insurance: Company contribution = 12% Employee contribution = 2%

– Unemployment insurance: Company contribution = 2% Employee contribution= 1%

– Work-related injury insurance: Company contribution = 0.5% Employee contribution = 0%

– Maternity insurance: Company contribution =0.5% Employee contribution = 0%

The contribution from the foreign employee will be deducted from his monthly salary by the company and paid to social insurance bureau. In addition, the basis of contribution for foreign employee, mostly like local Chinese employee, possibly is capped at triple of the average local employee’s salary which is issued by local authority every year.

In the event the foreign employee leaves China, he can choose to keep the social security account and the payment can be continued if he is back to China for work in the further again. However, if he does not want to keep the account, he can apply for cancelling. In that case, the balance in his personal social security account can be withdrawn.

Foreigners employed in China refer to people without Chinese nationality who have obtained the Employment Certificate for Foreigner, the Certificate of Foreign Expert, the Certificate of Permanent Foreign Correspondent and other employment certificates and residence certificates for foreigners in accordance with the law, possess the Permanent Residence Certificate for Foreigner, and have been employed in China in accordance with the law.

Insurance Claim With Workers Comp Attorney San Diego

There are certain rules and regulations of every company concerning the welfare of the workers. This includes workers compensation which states if any worker is injured or fallen ill during the employment, the company has to compensate for his loss. At times, the insurance companies create complexities for which there is a requirement of workers comp attorney San Diego.

A good workers comp lawyer San Diego helps you to get the compensation which legally belongs to you. He takes care of all the legal proceedings in your absence and helps you avail your claim. Almost all companies gives their manpower the benefit of medical insurance form the insurance companies. They are liable to pay all the medical bills for their workers if any accident occurs in the workplace like injuring hand or leg or sickness caused due to any chemical reaction etc.

A worker is fully secured by the company’s insurance policy. Other than compensating the worker, the company is also liable to pay 66.6% share of the employee’s average weekly salary if the worker is totally unable to attend work. Often it is found that the insurance companies tend to get away from the claim made by the workers. It is then workers comp lawyer San Diego is needed to sort out the problem.

An expert workers comp attorney San Diego knows the details of the legal formalities and thus are able to deal this kind of problem proficiently. There are numerous law firms dealing these problems so in that case you need to be careful about choosing the right firm that will guide you to file a complaint in the court. Otherwise you may end up into more complicated legal issues. Therefore it is advisable to go through the company profile thoroughly before hiring the firm and also check the successful number of cases they have dealt so far. Only an experienced workers comp lawyer San Diego would be able to receive the amount thus claimed. To get hold of the best you can also consult your friends or family for suggestions. Local unions can also be referred who will contact the lawyers personally to fix an immediate appointment.

It is very unfortunate for a worker working in a construction firm to meet with an accident and it is more unfortunate if he is denied his deserved compensation. It is a frequently observed phenomenon that happens to most employees that they their claims are not responded. In such cases, the matter is to be left in the hands of a professional workers comp attorney San Diego.

It is not very rare to find medical companies denying claims, so it is best for the workers to take the help of a workers comp lawyer San Diego. It is always advisable to go to the reputed ones to get assurance though they it may not be that much reasonable. They are capable of helping you to retrieve quick compensation. Most lawyers try to give their best and successfully bring justice to the unfortunate labourers.

Updates on Employers Liability Insurance

Employers’ liability claims are really costly to make, yet it offers as a legal demand for any kind of business that stick even more compared to one staff member, which could decrease the probability of staff member accidents as well as diseases and also covers claims for worker. Employers Liability insurance plans could not be purchased on their very own, rather they are to be purchased with public liability insurance as component of a Combined Liability Insurance policy. At the exact same time as variety of territories made sure employers to acquire employers’ liability insurance according to ‘The Health and Safety Executive Act 1969 law on employers’ liability (Compulsory Insurance).

Employers’ liability claims are extremely pricey to make, yet it offers as a legal requirement for any kind of business that stick even more compared to one worker, which could lower the chance of worker accidents and also diseases and also covers claims for worker. Employers Liability insurance plans could not be purchased on their very own, rather they are to be gotten with public liability insurance as component of a Combined Liability Insurance policy. At the exact same time as selection of territories guaranteed employers to acquire employers’ liability insurance according to ‘The Health and Safety Executive Act 1969 law on employers’ liability (Compulsory Insurance).