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2. Bo him x hi bt buc:
Bo him x hi bt buc l loi hnh bo him x hi m ngi lao ng v ngi s dng lao ng bt buc phi tham gia (quy nh ti iu 3 Lut Bo him x hi).
3. Bo him x hi t nguyn:
Bo him x hi t nguyn l loi hnh bo him x hi m ngi lao ng t nguyn tham gia, c la chn mc ng v phng thc ng ph hp vi thu nhp ca mnh hng bo him x hi (quy nh ti iu 3 Lut Bo him x hi).
cc qu thnh phn ca bo him x hi bt buc, bo him x hi t nguyn v bo him tht nghip. - Vic thc hin bo him x hi phi n gin, d dng, thun tin, bo m kp thi v y quyn li ca ngi tham gia bo him x hi (quy nh ti iu 5 Lut Bo him x hi).
+ Ngh vic hng tr cp tai nn lao ng, bnh ngh nghip hng thng; + ang hng tr cp tht nghip. - U quyn cho ngi khc nhn lng hu, tr cp bo him x hi; - Yu cu ngi s dng lao ng cung cp thng tin v vic ng bo him x hi; yu cu t chc bo him x hi cung cp thng tin v vic ng, quyn c hng ch , th tc thc hin bo him x hi; - Khiu ni, t co v bo him x hi; - Cc quyn khc theo quy nh ca php lut. (quy nh ti iu 15 Lut Bo him x hi)
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- T chi thc hin nhng yu cu khng ng quy nh ca php lut v bo him x hi; - Khiu ni, t co v bo him x hi; - Cc quyn khc theo quy nh ca php lut. (quy nh ti iu 17 Lut Bo him x hi).
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Trch nhim ca ngi s dng lao ng khi tham gia bo him x hi: - ng bo him x hi theo quy nh;
- Bo qun s bo him x hi ca ngi lao ng trong thi gian ngi lao ng lm vic;
- Tr s bo him x hi cho ngi lao ng khi ngi khng cn lm vic; - Lp h s ngi lao ng c cp s, ng v hng bo him x hi; - Tr tr cp bo him x hi cho ngi lao ng; - Gii thiu ngi lao ng i gim nh mc suy gim kh nng lao ng ti Hi ng Gim nh y khoa theo quy nh ca Lut Bo him x hi; - Cung cp ti liu, thng tin lin quan theo yu cu ca c quan nh nc c thm quyn; - Cung cp thng tin v vic ng bo him x hi ca ngi lao ng khi ngi lao ng hoc t chc cng on yu cu; - ng bo him tht nghip theo quy nh; - Cc trch nhim khc theo quy nh ca php lut. (quy nh ti iu 18 Lut Bo him x hi).
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- T chc qun l nhn s, ti chnh v ti sn theo quy nh ca php lut; - T chi yu cu tr bo him x hi khng ng quy nh; - Khiu ni v bo him x hi; - Kim tra vic ng bo him x hi v tr cc ch bo him x hi; - Kin ngh vi c quan nh nc c thm quyn xy dng, sa i, b sung ch , chnh sch, php lut v bo him x hi v qun l qu bo him x hi; - Kin ngh vi c quan nh nc c thm quyn x l vi phm php lut v bo him x hi; - Cc quyn khc theo quy nh ca php lut. (quy nh ti iu 19 Lut Bo him x hi).
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- Tuyn truyn, ph bin ch , chnh sch, php lut v bo him x hi; hng dn th tc thc hin ch bo him x hi i vi ngi lao ng, ngi s dng lao ng thuc i tng tham gia bo him x hi; - Thc hin vic thu bo him x hi theo quy nh ca Lut ny; - Tip nhn h s, gii quyt ch bo him x hi; thc hin vic tr lng hu, tr cp bo him x hi y , thun tin v ng thi hn;
- Cp s bo him x hi n tng ngi lao ng; - Qun l, s dng qu bo him x hi theo quy nh ca php lut; - Thc hin cc bin php bo ton v tng trng qu bo him x hi; - T chc thc hin cng tc thng k, k ton, hng dn nghip v v bo him x hi; - Gii thiu ngi lao ng i gim nh mc suy gim kh nng lao ng ti Hi ng Gim nh y khoa theo quy nh ca Lut Bo him x hi; - ng dng cng ngh thng tin trong qun l bo him x hi; lu tr h s ca ngi tham gia bo him x hi theo quy nh ca php lut; - nh k su thng, bo co Hi ng qun l bo him x hi v tnh hnh thc hin bo him x hi. Hng nm, bo co Chnh ph v c quan qun l nh nc v tnh hnh qun l v s dng qu bo him x hi; - Cung cp y v kp thi thng tin v vic ng, quyn c hng ch , th tc thc hin bo him x hi khi ngi lao ng hoc t chc cng on yu cu; - Cung cp ti liu, thng tin lin quan theo yu cu ca c quan nh nc c thm quyn; - Gii quyt kp thi khiu ni, t co v vic thc hin bo him x hi; - Thc hin hp tc quc t v bo him x hi; - Cc trch nhim khc theo quy nh ca php lut. (quy nh ti iu 20 Lut Bo him x hi).
- Tai nn lao ng, bnh ngh nghip; - Hu tr; - T tut. (quy nh ti Khon 1 iu 4 Lut Bo him x hi).
+ Hng thng, ng trn qu tin lng, tin cng ng bo him x hi ca ngi lao ng gm: 3% vo qu m au v thai sn; 1% vo qu tai nn lao ng, bnh ngh nghip v 11% vo qu hu tr v t tut (t nm 2010 tr i, c hai nm mt ln ng thm 1% cho n khi t mc ng l 14%) + Hng thng, ng trn mc lng ti thiu chung i vi mi ngi lao ng l h s quan, binh s qun i nhn dn v h s quan, chin s cng an nhn dn phc v c thi hn gm: 1% vo qu tai nn lao ng, bnh ngh nghip; 16% vo qy hu tr v t tut (t nm 2010 tr i, c hai nm mt ln ng thm 2% cho n khi t mc ng l 22%). (quy nh ti Khon 1 v 2 iu 92 Lut Bo him x hi).
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- Ngi s dng lao ng v ngi lao ng thc hin ng BHXH theo hng thng. Ring cc doanh nghip nng nghip, lm nghip, ng nghip, dim nghip tr lng theo chu k sn xut, kinh doanh th phng thc ng c thc hin hng thng, hng qu hoc su thng mt ln (quy nh ti iu 91 v 92 Lut Bo him x hi). - Hng thng, ngi s dng lao ng c trch nhim ng theo mc ng quy nh v trch t tin lng, tin cng thng ca ngi lao ng theo mc ng quy nh ng cng mt lc vo qu bo him x hi (quy nh ti khon 2 iu 43 Ngh nh s 152/2006/N-CP ngy 22/12/2006 ca Chnh ph).
Trng hp m au, tai nn phi ngh vic do t hy hai sc khe, do say ru hoc s dng ma ty, cht gy nghin khc th khng c hng ch m au. - Con di by tui b m au, phi ngh vic chm sc con v c xc nhn ca c s y t. (quy nh ti iu 22 Lut Bo him x hi).
nghip qun i nhn dn; s quan, h s quan nghip v, s quan, h s quan chuyn mn k thut cng an nhn dn; ngi lm cng tc c yu hng lng nh i vi qun i nhn dn, cng an nhn dn. Mc hng bng 75% mc tin lng, tin cng ng bo him x hi ca thng lin k trc khi ngh vic i vi cc i tng tham gia BHXH khc cn li. (quy nh ti Khon 1 iu 25 Lut Bo him x hi)
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- Lao ng n lm vic trong iu kin lao ng bnh thng khi sinh con c ngh vic hng ch thai sn bn thng (gm c ngy ngh l, ngh Tt, ngy ngh hng tun). - Lao ng n lm ngh hoc cng vic nng nhc, c hi, nguy him thuc danh mc do B Lao ng-Thng binh v X hi v B Y t quy nh; lm vic theo ch ba ca; lm vic thng xuyn ni c ph cp khu vc h s t 0,7 tr ln c ngh vic hng ch thai sn nm thng (gm c ngy ngh l, ngh Tt, ngy ngh hng tun). - Lao ng n l ngi tn tt theo quy nh ca php lut v ngi tn tt (mt kh nng lao ng t 21% tr ln) khi sinh con c ngh vic hng ch thai sn l su thng (gm c ngy ngh l, ngh Tt, ngy ngh hng tun). Trng hp sinh i tr ln, ngoi thi gian ngh vic quy nh nu trn ti th tnh t con th hai tr i, c mi con c ngh thm ba mi ngy. (quy nh ti khon 1 iu 30 Lut Bo him x hi).
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Thi gian ngh vic hng tr cp thai sn khi nhn nui con nui di bn thng tui:
Ngi lao ng nhn nui con nui di bn thng tui c ngh vic hng ch thai sn cho n khi con bn thng tui; (quy nh ti iu 32 Lut Bo him x hi).
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Thi gian ngh vic hng tr cp thai sn khi thc hin cc bin php trnh thai:
- Khi t vng trnh thai ngi lao ng c ngh vic by ngy (gm c ngy ngh l, ngh Tt, ngy ngh hng tun). - Khi thc hin bin php trit sn ngi lao ng c ngh vic mi lm ngy (gm c ngy ngh l, ngh Tt, ngy ngh hng tun). (quy nh ti iu 33 Lut Bo him x hi).
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Trng hp ch c cha tham gia bo him x hi m m cht khi sinh con th cha c tr cp mt ln bng hai thng lng ti thiu chung cho mi con. (quy nh ti iu 34 Lut Bo him x hi)
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iu kin c hng ch tai nn lao ng: - B tai nn thuc mt trong cc trng hp sau: + Ti ni lm vic v trong gi lm vic;
+ Ngoi ni lm vic hoc ngoi gi lm vic khi thc hin cng vic theo yu cu ca ngi s dng lao ng; + Trn tuyn ng i v v t ni n ni lm vic trong khong thi gian v tuyn ng hp l; - Suy gim kh nng lao ng t 5% tr ln do b tai nn trong cc trng hp nu trn. (quy nh ti iu 39 Lut Bo him x hi).
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- B bnh thuc danh mc bnh ngh nghip do B Y t v B Lao ng-Thng binh v X hi quy nh khi lm vic trong mi trng hoc ngh c yu t c hi. - Suy gim kh nng lao ng t 5% tr ln do bnh ngh nghip. (quy nh ti iu 40 Lut Bo him x hi).
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tnh thm 0,3% mc tin lng, tin cng ng bo him x hi ca thng lin k trc khi ngh vic iu tr. (quy nh ti iu 43 Lut Bo him x hi).
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Trang cp cc phng tin tr gip sinh hot i vi ngi lao ng b tai nn lao ng, bnh ngh nghip:
Ngi lao ng b tai nn lao ng, bnh ngh nghip m b tn thng cc chc nng hot ng ca c th th c cp thm phng tin tr gip sinh hot, dng c chnh hnh theo nin hn cn c vo tnh trng thng tt, bnh tt. (quy nh ti iu 45 Lut Bo him x hi).
40. iu kin hng lng hu khi b suy gim kh nng lao ng:
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Ngi lao ng ng bo him x hi hai mi nm tr ln, b suy gim kh nng lao ng t 61% tr ln, c hng lng hu vi mc thp hn so vi trng hp bnh thng khi thuc mt trong cc trng hp sau y: - Nam nm mi tui tr ln, n bn mi lm tui tr ln; - C mi lm nm tr ln lm ngh hoc cng vic c bit nng nhc, c hi, nguy him thuc danh mc do B Lao ng - Thng binh v X hi v B Y t ban hnh (khng k tui i). (quy nh ti iu 45 Lut Bo him x hi).
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- iu kin hng bo him x hi mt ln khi thuc mt trong cc trng hp sau: + tui hng lng hu m cha hai mi nm ng bo him x hi; + Suy gim kh nng lao ng t 61% tr ln m cha hai mi nm ng bo him x hi; + Sau mt nm ngh vic nu khng tip tc ng bo him x hi v c yu cu nhn bo him x hi mt ln m cha hai mi nm ng bo him x hi; + Ra nc ngoi nh c. + S quan, qun nhn chuyn nghip qun i nhn dn; s quan, h s quan nghip v, s quan, h s quan chuyn mn k thut cng an nhn dn; ngi lm cng tc c yu hng lng nh i vi qun i nhn dn, cng an nhn dn; H s quan, binh s qun
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i nhn dn v h s quan, chin s cng an nhn dn phc v c thi hn khi phc vin, xut ng, thi vic m khng iu kin hng lng hu. - Mc hng bo him x hi mt ln c tnh theo s nm ng bo him x hi, c mi nm tnh bng 1,5 thng mc bnh qun tin lng, tin cng thng ng bo him x hi. (quy nh ti iu 55, iu 56 Lut Bo him x hi).
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Ngi lao ng khi ngh vic m cha iu kin hng lng hu hoc cha hng bo him x hi mt ln i vi ngi khng iu kin hng lng hu th c bo lu thi gian ng bo him x hi. (quy nh ti iu 57 ca Lut Bo him x hi).
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Tnh mc bnh qun tin lng, tin cng thng ng bo him x hi tnh lng hu v tr cp bo him x hi i vi ngi tham gia bo him x hi bt buc trc ngy 01/01/1995:
- Ngi lao ng thuc i tng thc hin ch tin lng do Nh nc quy nh c ton b thi gian ng bo him x hi theo ch tin lng ny th tnh bnh qun cc mc tin lng thng ng bo him x hi ca 5 nm cui trc khi ngh hu. - Ngi lao ng c ton b thi gian ng bo him x hi theo ch tin lng do ngi s dng lao ng quyt nh th tnh bnh qun tin lng, tin cng thng ng bo him x hi ca ton b thi gian. - Ngi lao ng va c thi gian ng bo him x hi thuc i tng thc hin ch tin lng do Nh nc quy nh, va c thi gian ng bo him x hi theo ch tin lng do ngi s dng lao ng quyt nh th tnh bnh qun tin lng, tin cng thng ng bo him x hi chung ca cc thi gian . Trong thi gian ng bo him x hi theo theo ch tin lng do Nh nc quy nh th tnh bnh qun tin lng thng ng bo him x hi theo quy nh nu trn (Trng hp cha 5 nm, th tnh bnh qun tin lng thng ca cc thng ng bo him x hi). (quy nh ti iu 58 ca Lut Bo him x hi v khon 1 iu 31 Ngh nh s 152/N-CP ngy 22/12/2006 ca Chnh ph).
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Tnh mc bnh qun tin lng, tin cng thng ng bo him x hi tnh lng hu v tr cp bo him x hi i vi ngi tham gia bo him x hi bt buc t ngy 01/01/1995 n trc ngy Lut Bo him x hi c hiu lc 01/01/2007:
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- Ngi lao ng thuc i tng thc hin ch tin lng do Nh nc quy nh c ton b thi gian ng bo him x hi theo ch tin lng ny th tnh bnh qun tin lng thng ca s nm ng bo him x hi trc khi ngh hu nh sau: + Tham gia bo him x hi trong khong thi gian t ngy 01 thng 01 nm 1995 n ngy 31 thng 12 nm 2000 th tnh bnh qun ca tin lng thng ng bo him x hi ca 6 nm cui trc khi ngh hu; + Tham gia bo him x hi trong khong thi gian t ngy 01 thng 01 nm 2001 n ngy 31 thng 12 nm 2006 th tnh bnh qun ca tin lng thng ng bo him x hi ca 8 nm cui trc khi ngh hu. - Ngi lao ng c ton b thi gian ng bo him x hi theo ch tin lng do ngi s dng lao ng quyt nh th tnh bnh qun tin lng, tin cng thng ng bo him x hi ca ton b thi gian. - Ngi lao ng va c thi gian ng bo him x hi thuc i tng thc hin ch tin lng do Nh nc quy nh, va c thi gian ng bo him x hi theo ch tin lng do ngi s dng lao ng quyt nh th tnh bnh qun tin lng, tin cng thng ng bo him x hi chung ca cc thi gian . Trong thi gian ng bo him x hi theo ch tin lng do Nh nc quy nh th tnh bnh qun tin lng thng ng bo him x hi theo quy nh nu trn (Trng hp cha s nm quy nh th tnh bnh qun tin lng thng ca cc thng ng bo him x hi). (quy nh ti iu 59 ca Lut Bo him x hi v khon 2 iu 31 Ngh nh s 152/N-CP ngy 22/12/2006 ca Chnh ph).
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chung ca cc thi gian . Trong thi gian ng bo him x hi theo ch do Nh nc quy nh th tnh bnh qun tin lng ng bo him x hi nu trn (Trng hp cha 10 nm th tnh bnh qun tin lng thng ca cc thng ng bo him x hi). (quy nh ti iu 60 ca Lut Bo him x hi v khon 3 iu 31 Ngh nh s 152/N-CP ngy 22/12/2006 ca Chnh ph).
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Ngi lao ng ang hng lng hu, tr cp bo him x hi hng thng b tm dng hng lng hu, tr cp bo him hng thng khi thuc mt trong cc trng hp sau: - Chp hnh pht t nhng khng c hng n treo; - Xut cnh tri php; - B To n tuyn b l mt tch. Lng hu, tr cp bo him x hi hng thng c tip tc thc hin khi ngi b pht t chp hnh xong hnh pht t hoc khi ngi c to n tuyn b l mt tch tr v hoc ngi xut cnh tr v nh c hp php. (quy nh ti iu 62 ca Lut Bo him x hi v iu 33 Ngh nh 152/2006/N-CP ngy 22/12/2006 ca Chnh ph).
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- Mc hng:Tr cp mai tng bng mi thng lng ti thiu chung: (quy nh ti iu 63 ca Lut Bo him x hi).
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tip nui dng th mc tr cp tut hng thng bng 70% mc lng ti thiu chung. - Trng hp c t hai ngi cht tr ln th thn nhn ca nhng ngi ny c hng hai ln mc tr cp nu trn.
- S thn nhn c hng tr cp tut hng thng khng qu 4 ngi
i vi 1 ngi cht thuc i tng quy nh. (quy nh ti iu 65 ca Lut Bo him x hi).
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- Tr cc ch bo him x hi cho ngi lao ng theo quy nh. - ng bo him y t cho ngi ang hng lng hu hoc ngh vic hng tr cp tai nn lao ng, bnh ngh nghip hng thng. - Chi ph qun l. - Chi khen thng cho ngi s dng lao ng thc hin tt cng tc bo h lao ng, phng nga tai nn lao ng, bnh ngh nghip theo quy nh. - u t bo ton v tng trng qu theo quy nh. (quy nh ti iu 90 Lut Bo him x hi).
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- Ngi lao ng lm vic theo hp ng lao ng c thi hn di 3 thng. - Cn b khng chuyn trch cp x. - Ngi tham gia cc hot ng sn xut, kinh doanh, dch v, k c x vin khng hng tin lng, tin cng trong cc hp tc x, lin hp tc x. - Ngi lao ng t to vic lm. - Ngi lao ng lm vic c thi hn nc ngoi m trc cha tham gia bo him x hi bt buc hoc nhn bo him x hi mt ln. (quy nh ti khon 5 iu 2 Lut bo him x hi v iu 2 Ngh nh s 190/2007/N-CP ngy 28/12/2007 ca Chnh ph):
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64. Bo him x hi mt ln khi khng iu kin hng lng hu hng thng: - iu kin: Ngi tham gia bo him x hi t nguyn c hng bo him x hi mt ln khi thuc mt trong cc trng hp sau: + Nam su mi tui, n nm mi lm tui c di mi lm nm ng bo him x hi. + Nam su mi tui, n nm mi lm tui c t mi lm nm n di hai mi nm ng bo him x hi m khng tip tc ng bo him x hi. + Cha hai mi nm ng bo him x hi m khng tip tc ng bo him x hi v c yu cu nhn bo him x hi mt ln. + Ra nc ngoi nh c. - Mc hng: Mc hng bo him x hi mt ln c tnh theo s nm ng bo him x hi, c mi nm tnh bng 1,5 thng mc bnh qun thu nhp thng ng bo him x hi. Trng hp ngi c thi gian ng bo him x hi t nguyn cha mt nm th mc hng bo
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him x hi bng s tin ng nhng ti a bng 1,5 thng mc bnh qun thu nhp thng ng bo him x hi. (quy nh ti iu 73, iu 74 Lut Bo him x hi v khon 3 iu 14 Ngh nh 190/2007/N-CP ngy 28/12/2007 ca Chnh ph).
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- Tin sinh li ca hot ng u t t Qu bo him x hi t nguyn; - H tr ca Nh nc; - Cc ngun thu hp php khc. (quy nh ti iu 98 Lut Bo him x hi).
Mc III bo him tht nghip 69. i tng tham gia bo him tht nghip: Bo him tht nghip p dng bt buc i vi ngi lao ng v ngi s dng lao ng sau: - Ngi lao ng tham gia bo him tht nghip l cng dn Vit Nam lm vic theo hp ng lao ng khng xc nh thi hn hoc xc nh thi hn t mi hai thng n ba mi su thng; - Ngi s dng lao ng tham gia bo him tht nghip bao gm c quan nh nc, n v s nghip, n v v trang nhn dn; t chc chnh tr, t chc chnh tr - x hi, t chc chnh tr x hi - ngh nghip, t chc x hi - ngh nghip, t chc x hi khc; c quan, t chc nc ngoi, t chc quc t hot ng trn lnh th Vit Nam; doanh nghip, hp tc x, h kinh doanh c th, t hp tc, t chc khc v c nhn c thu mn, s dng v tr cng cho ngi lao ng c s dng t mi lao ng tr ln. (quy nh ti Khon 3, Khon 4 iu 2 Lut Bo him x hi).
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+ Ngi s dng lao ng ng bng 1% qu tin lng, tin cng thng ng bo him tht nghip ca nhng ngi lao ng tham gia bo him tht nghip. + Nh nc h tr t ngn sch bng 1% qu tin lng, tin cng thng ng bo him tht nghip ca nhng ngi lao ng tham gia bo him tht nghip.
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- Khng thc hin quy nh thng bo hng thng vi t chc bo him x hi v vic tm kim vic lm trong thi gian hng tr cp tht nghip; - B tm giam. (quy nh ti iu 86 Lut Bo him x hi).
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- S bo him x hi c cp i vi tng ngi lao ng theo di vic ng, hng cc ch bo him x hi v l c s gii quyt cc ch bo him x hi theo quy nh ca Lut ny. Mu S bo him x hi do t chc bo him x hi quy nh. - S bo him x hi s c dn thay th bng th bo him x hi in t trong qu trnh p dng cng ngh thng tin vo qun l bo him x hi. Chnh ph quy nh th tc thc hin bo him x hi khi s dng th bo him x hi in t. (quy nh ti iu 109 Lut Bo him x hi).
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- T chc bo him x hi c trch nhim cp s bo him x hi trong thi hn ba mi ngy, k t ngy nhn c h s hp l i vi ngi tham gia bo him x hi bt buc, bo him tht nghip; hai mi ngy, k t ngy nhn c h s hp l ca ngi tham gia bo him x hi t nguyn; trng hp khng cp th phi tr li bng vn bn v nu r l do. (quy nh ti iu 111 Lut Bo him x hi).
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- S bo him x hi; - Giy chng t, giy bo t hoc quyt nh ca To n tuyn b l cht; - T khai ca thn nhn theo mu do t chc bo him x hi quy nh; - Bin bn iu tra tai nn lao ng, bnh n iu tr bnh ngh nghip trong trng hp cht do tai nn lao ng, bnh ngh nghip. (quy nh ti khon 1 iu 121 Lut Bo him x hi).
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