on July 1, 2019, Beijing began to implement 'enterprise employee maternity insurance', becoming the fourth largest insurance after endowment insurance, medical insurance and career insurance. With maternity insurance for enterprise employees, we don't have to worry about being unable to afford children anymore. What is the amount of maternity insurance? Who is insured, who pays, and how many days of maternity leave? There must be many people who don't know how to calculate the salary for maternity leave. This article brings you the answers to these questions.
Who should be insured for maternity insurance?
The coverage of maternity insurance includes all kinds of urban enterprises (excluding township enterprises) within the administrative area of the city, private non enterprise units, public institutions implementing enterprise management and employees with permanent residence in the city, including on-the-job employees holding Beijing work residence permit. However, units enjoying public medical treatment are not included in this scope, and their employees' maternity insurance benefits are still implemented according to the current measures.
Who pays maternity insurance?
The maternity insurance premium shall be paid by the enterprise on a monthly basis. The total payment base of the enterprise is the sum of the payment base of the qualified employees of the enterprise. The payment base of employees shall be calculated according to their average monthly salary of the previous year; If it is lower than 60% of the average monthly wage of employees in the city in the previous year, it shall be calculated according to 60% of the average monthly wage of employees in the city in the previous year; If it is more than three times higher than the average monthly salary of the employees in this Municipality in the previous year, it shall be calculated as three times the average monthly salary of the employees in this Municipality in the previous year.
How many days should maternity leave be?
The maternity leave for normal childbirth of female employees is 90 days; Dystocia increased by 15 days, multiple births increased by 15 days per additional baby, and late childbirth increased by 30 days. The maternity leave for female workers with abortion less than 12 weeks of pregnancy is 15 days; The maternity leave for abortion within 12 weeks to 16 weeks is 30 days; The maternity leave for abortion from 16 weeks to 28 weeks is 42 days; Those who terminate pregnancy for more than 28 weeks shall enjoy 90 days of normal maternity leave, including 15 days of prenatal maternity leave.
What's the salary for maternity leave?
After insurance, the salary during maternity leave will be replaced by 'maternity allowance'. The calculation method of maternity allowance is: divide the payment wage base of the female employee in the month of childbirth by 30, and then multiply it by the number of days of maternity leave. If the maternity allowance is lower than his own wage standard, the difference shall be made up by the unit.
What expenses can be reimbursed?
The scope of reimbursement includes: family planning operation expenses (outpatient and inpatient), prenatal examination expenses, maternity medical expenses (excluding infant expenses and bed expenses exceeding the payment standard). The premise of the above expense reimbursement is that it does not exceed the list of drugs and medical items specified by the medical insurance.