Unemployment insurance is a kind of temporary compensation for the loss of wage income during the period of unemployment. The purpose is to protect the basic living needs of the unemployed. How much unemployment insurance can the unemployed get? How to calculate the unemployment insurance we get?
How much is unemployment insurance?
According to the regulations, the amount of unemployment insurance it receives is the amount set by the local minimum living standard. If it is insured, it can enjoy the unemployment subsidy in the state of unemployment; the following conditions must be met to enjoy the unemployment benefit:
1. Participate in unemployment insurance in accordance with the regulations, and the unit and the person have fulfilled the payment obligation for more than one year in accordance with the regulations;
2. If the employment is interrupted within the legal working age but not due to his / her own will;
3. Those who have gone through the formalities of unemployment and employment registration as required.
As long as the above conditions are met, unemployment insurance benefits can be enjoyed. The claim of unemployment benefits has the following provisions: if the accumulated payment of unemployment benefits is less than one year and two years, three months of unemployment benefits can be obtained, six months for two years and less than three years, and so on, and the maximum is no more than 24 months, i.e. two years.
Calculation method of unemployment insurance benefits
The two main factors that determine the amount of unemployment insurance benefits are the period of receiving unemployment insurance benefits and the standard of monthly payment. Generally, the longer the claim period and the higher the payment standard, the more the amount of unemployment insurance benefits. The specific calculation formula is as follows:
The amount of unemployment benefits = the period of receiving unemployment insurance benefits x the monthly payment standard of unemployment benefits.
1. If the accumulative payment time of unemployment insurance is more than one year but less than five years, the unemployment insurance benefits of 12 months can be obtained at most;
2. If the accumulative payment time is more than 5 years but less than 10 years, the period of receiving unemployment insurance benefits is 18 months;
3. If the accumulative payment time is more than 10 years, the period for receiving unemployment insurance benefits is 24 months.
For example, Guangzhou:
In 2017, the minimum wage standard in Guangzhou was 1895 yuan / month, so the unemployment compensation standard in Guangzhou in 2017 was 1516 yuan / month.
Calculation method of 2017 Dongguan unemployment insurance (case)
[incident]: Miss Li, from Changsha, Hunan Province, came to work in Dongguan in 2008. The company has been helping it pay unemployment insurance for five years, with an average monthly wage of 5000 yuan. Now Miss Li is going through the formalities of transferring the endowment insurance relationship and applying for one-time unemployment insurance living allowance. How much money can miss li get for a one-time unemployment allowance?
[calculation]: according to the regulations, Dongguan residents can get unemployment benefits on a monthly basis, but non Dongguan residents can only apply for one-time unemployment living allowance. Miss Li has a household registration in Changsha, Hunan Province, so she can't get unemployment benefits but one-time unemployment living allowance. According to the regulations, 16% of the average monthly payment wage before unemployment shall be calculated and paid for every year after July 2003. Ms. Li began to pay social security in 2008, and has paid unemployment insurance expenses for five years. Her one-time unemployment living allowance is calculated as follows: 5000x16% X5 = 4000 yuan.