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cng n tp v chnh sch BHXH

Phn i Nhng vn chung 1. Bo him x hi:


Bo him x hi l s bo m thay th hoc b p mt phn thu nhp ca ngi lao ng khi h b gim hoc mt thu nhp do m au, thai sn, tai nn lao ng, bnh ngh nghip, tht nghip, ht tui lao ng hoc cht, trn c s ng vo qy bo him x hi (quy nh ti iu 3 Lut Bo him x hi).

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).

4. Ngi tht nghip theo quy nh ca Lut Bo him x hi:


Ngi tht nghip l ngi ang ng bo him tht nghip m b mt vic lm hoc chm dt hp ng lao ng, hp ng lm vic nhng cha tm c vic lm (quy nh ti iu 3 Lut Bo him x hi).

5. Nguyn tc ca BHXH theo quy nh Lut Bo him x hi:


- Mc hng bo him x hi c tnh trn c s mc ng, thi gian ng bo him x hi v chia s gia nhng ngi tham gia bo him x hi. - Mc ng bo him x hi bt buc, bo him x hi tht nghip c tnh trn c s tin lng, tin cng ca ngi lao ng. Mc ng bo him x hi t nguyn c tnh trn c s mc thu nhp do ngi lao ng la chn nhng mc thu nhp ny khng thp hn mc lng ti thiu chung. - Ngi lao ng va c thi gian ng bo him x hi bt buc va c thi gian ng bo him x hi t nguyn c hng ch hu tr v ch t tut trn c s thi gian ng bo him x hi. - Qu bo him x hi c qun l thng nht dn ch, cng khai, minh bch, c s dng ng mc ch, c hch ton c lp theo

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).

6. C quan qun l nh nc v bo him x hi:


- Chnh ph thng nht qun l nh nc v bo him x hi. - B Lao ng - Thng binh v X hi chu trch nhim trc Chnh ph thc hin qun l nh nc v bo him x hi. - B, c quan ngang b trong phm vi nhim v, quyn hn ca mnh thc hin qun l nh nc v bo him x hi. - U ban nhn dn cc cp thc hin qun l nh nc v bo him x hi trong phm vi a phng theo phn cp ca Chnh ph. (quy nh ti iu 8 Lut Bo him x hi).

7. Ni dung qun l nh nc v bo him x hi:


- Xy dng v t chc thc hin chin lc, ch , chnh sch bo him x hi. - Ban hnh v t chc thc hin vn bn quy phm php lut v bo him x hi. - Tuyn truyn, ph bin ch , chnh sch, php lut v bo him x hi. - Thc hin cng tc thng k, thng tin v bo him x hi. - T chc b my thc hin bo him x hi; o to, bi dng ngun nhn lc lm cng tc bo him x hi. - Thanh tra, kim tra vic chp hnh php lut v bo him x hi; gii quyt khiu ni, t co v x l vi phm php lut v bo him x hi. - Hp tc quc t v bo him x hi. (quy nh ti iu 6 B Lut lao ng)

8. Quyn ca ngi lao ng khi tham gia bo him x hi:


- c cp s bo him x hi; - Nhn s bo him x hi khi khng cn lm vic; - Nhn lng hu v tr cp bo him x hi y , kp thi; - Hng bo him y t trong cc trng hp sau y: + ang hng lng hu;

+ 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)

9. Trch nhim ca ngi lao ng khi tham gia bo him x


hi: - ng bo him x hi theo quy nh ca Lut Bo him x hi; - Thc hin quy nh v vic lp h s bo him x hi; - Bo qun s bo him x hi theo ng quy nh; - Cc trch nhim khc theo quy nh ca php lut. Ngoi vic thc hin cc trch nhim trn, ngi lao ng tham gia bo him tht nghip cn c cc trch nhim sau y: + ng k tht nghip vi t chc bo him x hi; + 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; + Nhn vic lm hoc tham gia kho hc ngh ph hp khi t chc bo him x hi gii thiu. (quy nh ti iu 16 Lut Bo him x hi).

10.

Quyn ca ngi s dng lao ng khi tham gia bo him x hi:

- 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).

11.

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).

12.

Quyn ca t chc bo him x hi:

- 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).

13.

Trch nhim ca t chc bo him x hi:

- 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).

phn II Nhng quy nh v chnh sch Bo him x hi


Mc I Bo him x hi bt buc 14. Cc ch c hng: Ngi tham gia bo him x hi bt buc c hng 5 ch sau: - m au; - Thai sn;

- Tai nn lao ng, bnh ngh nghip; - Hu tr; - T tut. (quy nh ti Khon 1 iu 4 Lut Bo him x hi).

15. i tng ngi thuc din tham gia bo him x hi bt


buc: Ngi lao ng tham gia bo him x hi bt buc l cng dn Vit Nam, bao gm: - Ngi lm vic theo hp ng lao ng khng xc nh thi hn, hp ng lao ng c thi hn t ba thng tr ln; - Cn b, cng chc, vin chc; - Cng nhn quc phng, cng nhn cng an; - 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 i nhn dn v h s quan, chin s cng an nhn dn phc v c thi hn; - Ngi lm vic c thi hn nc ngoi m trc ng bo him x hi bt buc; (quy nh ti Khon 1 v 2 iu 2 Lut Bo him x hi).

16. i tng ngi s dng lao ng tham gia bo him x hi


bt buc: Ngi s dng lao ng tham gia bo him x hi bt buc 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. (quy nh ti Khon 2 iu 2 Lut Bo him x hi).

17. Mc ng bo him x hi bt buc ca ngi lao ng v


ngi s dng lao ng: - Hng thng, ngi lao ng ng bng 5% mc tin lng, tin cng 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 8% (quy nh ti Khon 1 iu 91 Lut Bo him x hi). - ngi s dng lao ng:

+ 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).

18.

Phng thc ng bo him x hi bt buc:

- 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).

19. Tin lng, tin cng thng ng bo him x hi bt buc:


- Ngi lao ng thuc i tng thc hin ch tin lng do Nh nc quy nh th tin lng thng ng bo him x hi l tin lng theo ngch, bc, cp bc qun hm v cc khon ph cp chc v, ph cp thm nin vt khung, ph cp thm nin c ngh (nu c). Tin lng ny c tnh trn c s mc lng ti thiu chung. - i vi ngi lao ng ng bo him x hi theo ch tin lng do ngi s dng lao ng quyt nh th tin lng, tin cng thng ng bo him x hi l mc tin lng, tin cng ghi trong hp ng lao ng. - Trng hp mc tin lng, tin cng cao hn hai mi thng lng ti thiu chung th mc tin lng, tin cng thng ng bo him x hi bng hai mi thng lng ti thiu chung. (quy nh ti iu 94 Lut Bo him x hi).

20. iu kin hng ch m au:


- B m au, tai nn ri ro phi ngh vic v c xc nhn ca c s y t.

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).

21. Thi gian hng ch m au i vi ngi lao ng


trong iu kin lao ng bnh thng: - Ti a ba mi ngy lm vic trong mt nm nu ng bo him x hi di mi lm nm; - Ti a bn mi ngy lm vic trong mt nm nu ng bo him x hi t mi lm nm n di ba mi nm; - Ti a su mi ngy lm vic trong mt nm nu ng bo him x hi t ba mi nm tr ln. (quy nh ti im a, khon 1 iu 23 Lut Bo him x hi).

22. Thi gian hng ch m au i vi ngi lao ng lm


ngh hoc cng vic nng nhc, c hi, nguy him hoc lm vic thng xuyn ni c ph cp khu vc h s t 0,7 tr ln: - Ti a bn mi ngy lm vic trong mt nm nu ng bo him x hi di mi lm nm; - Ti a nm mi ngy lm vic trong mt nm nu ng bo him x hi t mi nm n di ba mi nm; - Ti a by mi ngy lm vic trong mt nm nu ng bo him x hi t ba mi nm tr ln. (quy nh ti im a, khon 1 iu 23 Lut Bo him x hi).

23. Thi gian hng ch khi con di by tui b m au:


Thi gian hng ch khi con m au trong mt nm cho mi con c tnh theo s ngy thc t chm sc con m, nhng ti a l hai mi ngy lm vic nu con di ba tui; ti a l mi lm ngy lm vic nu con t ba tui n di by tui. Trng hp c cha v m cng tham gia bo him x hi, nu mt ngi ht thi hn hng ch m con vn m au th ngi kia c hng ch theo quy nh. (quy nh ti Khon 1 iu 24 Lut Bo him x hi)

24. Mc hng ch tr cp m au (khng k ngi lao


ng mc bnh cn cha tr di ngy): Mc hng bng 100% mc tin lng ng bo him x hi ca thng lin k trc khi ngh vic i vi 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. 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)

25. iu kin c hng ch thai sn:


- Lao ng n mang thai; - Lao ng n sinh con; - Ngi lao ng nhn nui con nui di bn thng tui; - Ngi lao ng t vng trnh thai, thc hin cc bin php trit sn. Lao ng n sinh con v ngi lao ng nhn nui con nui di bn thng tui phi c thi gian ng bo him x hi t su thng tr ln trong thi gian mi hai thng trc khi sinh con hoc nhn nui con nui. (quy nh ti iu 28 Lut Bo him x hi)

26. Thi gian lao ng n ngh vic hng ch thai sn


khi i khm thai: Trong thi gian mang thai, lao ng n c ngh vic i khm thai nm ln, mi ln mt ngy lm vic; trng hp xa c s y t hoc ngi mang thai c bnh l hoc thai khng bnh thng th c ngh hai ngy lm vic cho mi ln khm thai. (quy nh ti iu 29 Lut Bo him x hi).

27. Thi gian ngh vic hng ch thai sn khi b sy thai,


no thai, ht thai hoc thai cht lu: - Mi ngy (tnh c ngy ngh l, ngh Tt, ngy ngh hng tun) nu thai di mt thng; - Hai mi ngy (tnh c ngy ngh l, ngh Tt, ngy ngh hng tun) nu thai t mt thng n di ba thng; - Bn mi ngy (tnh c ngy ngh l, ngh Tt, ngy ngh hng tun) nu thai t ba thng n di su thng; - Nm mi ngy (tnh c ngy ngh l, ngh Tt, ngy ngh hng tun) nu thai t su thng tr ln. (quy nh ti iu 30 Lut Bo him x hi)

28.

Thi gian ngh vic hng tr cp thai sn khi sinh con:

- 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).

29.

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).

31. Mc hng ch thai sn:


Mc hng bng 100% mc bnh qun tin lng, tin cng thng ng bo him x hi ca su thng lin k trc khi ngh vic. (quy nh ti iu 35 Lut Bo him x hi).

32. Tr cp mt ln khi sinh con, nhn nui con nui:


Lao ng n khi sinh con hoc ngi lao ng nhn nui con nui di bn thng tui th c tr cp mt ln bng hai thng lng ti thiu chung cho mi con.

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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)

33.

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).

34.

iu kin c hng ch bnh ngh nghip:

- 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).

35. Tr cp tai nn lao ng, bnh ngh nghip mt ln:


Ngi lao ng b suy gim kh nng lao ng t 5% n 30% c hng tr cp mt ln. Mc tr cp c tnh nh sau: Suy gim 5% kh nng lao ng c hng nm thng lng ti thiu chung, sau c suy gim thm 1% kh nng lao ng th c hng thm 0,5 thng lng ti thiu chung. Ngoi ra, cn c hng thm tr cp tnh theo s nm ng bo him x hi, t mt nm tr xung th c tnh bng 0,5 thng, sau c thm mi nm ng bo him x hi c tnh thm 0,3 thng tin lng, tin cng ng bo him x hi ca thng lin k trc khi ngh vic iu tr. (quy nh ti iu 42 Lut Bo him x hi).

36. Tr cp tai nn lao ng, bnh ngh nghip hng thng:


- Ngi lao ng b suy gim kh nng lao ng t 31% tr ln c hng tr cp hng thng. Mc tr cp c tnh nh sau: Suy gim 31% kh nng lao ng th c hng bng 30% mc lng ti thiu chung, sau c suy gim thm 1% c hng thm 2% mc lng ti thiu chung. Ngoi ra, cn c hng thm tr cp tnh theo s nm ng bo him x hi, t mt nm tr xung th c tnh bng 0,5%, sau c thm mi nm ng bo him x hi c

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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).

37. Tr cp phc v i vi ngi b tai nn lao ng, bnh


ngh nghip: Trng hp ngi lao ng b tai nn lao ng, bnh ngh nghip suy gim kh nng lao ng t 81% tr ln m b lit ct sng hoc m hai mt hoc ct, lit hai chi hoc b bnh tm thn th ngoi mc hng tr cp hng thng cn c hng thm tr cp phc v hng thng bng mc lng ti thiu chung. (quy nh ti iu 46 Lut Bo him x hi).

38.

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).

39. iu kin hng lng hu hng thng i vi trng hp bnh


thng (khng bao gm 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): - Nam su mi tui, n nm mi lm tui c hai mi nm ng bo him x hi tr ln. - Nam t nm mi lm tui n su mi tui, n t nm mi tui n nm mi lm tui v c hai mi nm ng bo him x hi tr ln m trong c mi lm nm lm ngh hoc cng vic nng nhc, c hi, nguy him hoc c mi lm nm lm vic ni c ph cp khu vc h s 0,7 tr ln. - Ngi lao ng t nm mi tui n nm mi lm tui c hai mi nm ng bo him x hi tr ln m trong c mi lm nm lm cng vic khai thc than trong hm l. - Ngi b nhim HIV/AIDS do tai nn ri ro ngh nghip v c hai mi nm ng bo him x hi tr ln. (quy nh ti iu 50 Lut Bo him x hi v iu 26 Ngh nh s 152/2006/N-CP ngy 22/12/2006 ca Chnh ph).

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).

41. Mc lng hu hng thng:


Mc lng hu hng thng ca ngi lao ng c iu kin c tnh bng 45% mc bnh qun tin lng, tin cng thng ng bo him x hi, tng ng vi mi lm nm ng bo him x hi; sau c thm mi nm ng bo him x hi th tnh thm 2% i vi nam, 3% i vi n; mc ti a bng 75%. i vi ngi lao ng ngh hu trc tui do suy gim kh nng lao ng th mc lng hu hng thng c tnh nh trn, nhng c mi nm ngh hu trc tui quy nh phi gim 1% lng hu. Khi tnh mc lng hu hng thng nu thi gian ng bo him x hi c thng l di 3 thng th khng tnh; t 3 thng n 6 thng tnh l na nm; t trn 6 thng n 12 thng tnh trn l mt nm. (quy nh ti iu 52 Lut Bo him x hi v khon 5 iu 28 Ngh nh s 152/N-CP ngy 22/12/2006 ca Chnh ph).

42.

Bo him x hi mt ln i vi ngi khng iu kin hng lng hu:

- 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

13

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).

43.

Bo lu thi gian ng bo him x hi:

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).

44.

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).

45.

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:

14

- 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).

46. 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 Lut Bo him x hi c hiu lc 01/01/2007: - 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 ng bo him x hi ca 10 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 theo 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

15

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).

47. iu chnh tin lng, tin cng ng bo him x hi:


- Tin lng ng bo him x hi lm cn c tnh mc bnh qun tin lng thng ng bo him x hi i vi ngi lao ng thuc i tng thc hin ch tin lng do Nh nc quy nh c iu chnh theo mc lng ti thiu chung ti thi im hng ch hu tr. - Tin lng, tin cng ng bo him x hi lm cn c tnh mc bnh qun tin lng, tin cng thng ng bo him x hi i vi ngi lao ng ng bo him x hi theo ch tin lng do ngi s dng lao ng quyt nh c iu chnh trn c s ch s gi sinh hot ca tng thi k theo quy nh ca Chnh ph. (quy nh ti iu 61 ca Lut Bo him x hi).

48.

Tm dng hng lng hu, tr cp bo him x hi hng thng:

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).

49. Tr cp mai tng:


- i tng c tr cp mai tng: Cc i tng sau y cht th ngi lo mai tng c nhn tr cp mai tng: + Ngi lao ng ang ng bo him x hi; + Ngi lao ng ang bo lu thi gian ng bo him x hi; + Ngi ang hng lng hu; hng tr cp tai nn lao ng, bnh ngh nghip hng thng ngh vic.

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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).

50. Cc trng hp cht c hng tr cp tut hng thng:


Ngi lao ng khi cht thuc mt trong cc trng hp sau m c thn nhn iu kin th c hng tr cp tut hng thng: - Ngi lao ng ng bo him x hi mi lm nm tr ln nhng cha hng bo him x hi mt ln; - Ngi ang hng lng hu; - Ngi lao ng cht do tai nn lao ng, bnh ngh nghip (k c cht trong thi gian iu tr ln u); - Ngi ang hng tr cp tai nn lao ng, bnh ngh nghip hng thng vi mc suy gim kh nng lao ng t 61% tr ln. (quy nh ti khon 1 iu 64 ca Lut Bo him x hi).

51. Cc trng hp thn nhn c hng tr cp tut hng


thng: Ngi lao ng khi cht c iu kin m c thn nhn sau th c hng tr cp tut hng thng: - Con cha mi lm tui; con cha mi tm tui nu cn i hc; con t mi lm tui tr ln nu b suy gim kh nng lao ng t 81% tr ln; - V t nm mi lm tui tr ln hoc chng t su mi tui tr ln; v di nm mi lm tui, chng di su mi tui nu b suy gim kh nng lao ng t 81% tr ln m khng c thu nhp hoc c thu nhp hng thng nhng thp hn mc lng ti thiu chung; - Cha , m , cha v hoc cha chng, m v hoc m chng, ngi khc m i tng ny c trch nhim nui dng nu t su mi tui tr ln i vi nam, t nm mi lm tui tr ln i vi n m khng c thu nhp hoc c thu nhp hng thng nhng thp hn mc lng ti thiu chung; - Cha , m , cha v hoc cha chng, m v hoc m chng, ngi khc m i tng ny c trch nhim nui dng nu di su mi tui i vi nam, di nm mi lm tui i vi n v b suy gim kh nng lao ng t 81% tr ln m khng c thu nhp hoc c thu nhp hng thng nhng thp hn mc lng ti thiu chung. (quy nh ti khon 2 iu 64 ca Lut Bo him x hi).

52. Mc hng tr cp tut hng thng:


- Mc tr cp tut hng thng i vi mi thn nhn bng 50% mc lng ti thiu chung; trng hp thn nhn khng c ngi trc

17

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).

53. Tr cp tut mt ln:


- iu kin hng: + Ngi cht khng thuc cc trng hp c hng tr cp tut hng thng. + Ngi cht thuc mt trong cc trng hp c hng tr cp tut hng thng nhng khng c thn nhn iu kin hng tr cp tut hng thng theo quy nh. - Mc hng: + Ngi lao ng ang ng bo him x hi hoc ngi lao ng ang bo lu thi gian ng bo him x hi, cht 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; mc thp nht bng ba thng mc bnh qun tin lng, tin cng thng ng bo him x hi. + Ngi ang hng lng hu, cht c tnh theo thi gian hng lng hu, nu cht trong hai thng u hng lng hu th tnh bng bn mi tm thng lng hu ang hng; nu cht vo nhng thng sau , c hng thm mt thng lng hu th mc tr cp gim i 0,5 thng lng hu ang hng, mc thp nht bng ba thng lng hu ang hng trc khi cht. (quy nh ti iu 66, iu 67 ca Lut Bo him x hi).

54. Ngun hnh thnh qu bo him x hi bt buc:


Qu bo him x hi c hnh thnh t cc ngun sau: - Ngi s dng lao ng ng. - Ngi lao ng ng. - Tin sinh li ca hot ng u t t qu. - H tr ca Nh nc. - Cc ngun thu hp php khc. (quy nh ti iu 88 Lut Bo him x hi).

55. S dng qu bo him x hi bt buc:


Qu bo him x hi bt buc c s dng vo cc mc ch sau:

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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).

56. Qu thnh phn ca qu bo him x hi bt buc:


Qu bo him x hi gm cc qu thnh phn sau: - Qu m au v thai sn. - Qu tai nn lao ng, bnh ngh nghip. - Qu hu tr v t tut. (quy nh ti iu 89 Lut Bo him x hi).

57. Cc hnh thc u t qu bo him x hi bt buc:


- Mua tri phiu, tn phiu, cng tri ca Nh nc, ca ngn hng thng mi ca Nh nc. - Cho ngn hng thng mi ca Nh nc vay. - u t vo cc cng trnh kinh t trng im quc gia. - Cc hnh thc u t khc do Chnh ph quy nh. (quy nh ti iu 97 Lut Bo him x hi). Mc II bo him x hi t nguyn 58. Cc ch c hng: Ngi tham gia bo him x hi t nguyn c hng 2 ch sau: - Hu tr; - T tut. (quy nh ti Khon 2 iu 4 Lut Bo him x hi).

59. i tng tham gia bo him x hi t nguyn:


Ngi tham gia bo him x hi t nguyn l cng dn Vit Nam trong tui lao ng, khng thuc din p dng ca php lut v bo him x hi bt buc, bao gm:

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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):

60. Mc ng v phng thc ng bo him x hi ca ngi


tham gia bo him x hi t nguyn: - Mc ng hng thng bng 16% mc thu nhp ngi lao ng la chn ng bo him x hi; t nm 2010 tr i, c hai nm mt ln ng thm 2% cho n khi t mc ng l 22%. Mc thu nhp lm c s tnh ng bo him x hi c thay i tu theo kh nng ca ngi lao ng tng thi k, nhng thp nht bng mc lng ti thiu chung v cao nht bng hai mi thng lng ti thiu chung. - Ngi lao ng c chn mt trong cc phng thc ng sau y: a) Hng thng; b) Hng qu; c) Su thng mt ln. (quy nh ti iu 100 Lut Bo him x hi).

61. iu kin hng lng hu i vi ngi tham gia bo him x


hi t nguyn: - Nam su mi tui, n nm mi lm tui; - hai mi nm ng bo him x hi tr ln. - Trng hp nam su mi tui, n nm mi lm tui nhng thi gian ng bo him x hi cn thiu khng qu nm nm so vi thi gian quy nh (k c nhng ngi c t mi lm nm ng bo him x hi bt buc tr ln) m cha nhn bo him x hi mt ln c nhu cu tham gia bo him x hi t nguyn th c ng tip theo quy nh cho n khi hai mi nm ng bo him x hi. (quy nh ti khon 1 iu 70 Lut Bo him x hi).

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62. Tnh mc lng hu hng thng i vi ngi ch tham gia


bo him x hi t nguyn: - Mc lng hu hng thng c tnh bng 45% mc bnh qun thu nhp thng ng bo him x hi quy nh ti iu 76 ca Lut ny tng ng vi mi lm nm ng bo him x hi, sau c thm mi nm ng bo him x hi th c tnh thm 2% i vi nam v 3% i vi n; mc ti a bng 75%. Khi tnh mc lng hu hng thng nu thi gian ng bo him x hi c thng l di 3 thng th khng tnh; t 3 thng n 6 thng tnh l na nm; t trn 6 thng n 12 thng tnh trn l mt nm. - Lng hu c iu chnh trn c s mc tng ca ch s gi sinh hot v tng trng kinh t. Mc iu chnh c th do Chnh ph quy nh. (quy nh ti iu 71 Lut Bo him x hi v khon 4 iu 10 Ngh nh 190/2007/N-CP ngy 28/12/2007 ca Chnh ph).

63. Mc bnh qun thu nhp thng i vi trng hp ch tham


gia bo him x hi t nguyn: - Mc bnh qun thu nhp thng ng bo him x hi c tnh bng bnh qun cc mc thu nhp thng ng bo him x hi ca ton b thi gian. - Thu nhp thng ng bo him x hi lm cn c tnh mc bnh qun thu nhp thng ng bo him x hi ca ngi lao ng c iu chnh trn c s ch s gi sinh hot ca tng thi k theo quy nh ca Chnh ph.

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

21

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).

65. Tr cp mai tng i vi trng hp ch tham gia bo him x


hi t nguyn: - i tng: Cc i tng sau y khi cht th ngi lo mai tng c nhn tr cp mai tng: + Ngi lao ng c t nht nm nm ng bo him x hi; + Ngi ang hng lng hu. - Mc tr cp: Tr cp mai tng bng mi thng lng ti thiu chung. (quy nh ti iu 77 Lut Bo him x hi).

66. Tr cp tut mt ln i trng hp ch tham gia bo him


x hi t nguyn (khng quy nh c tr cp tut hng thng): - i tng tham gia bo him x hi t nguyn sau y khi cht th thn nhn c hng tr cp tut mt ln: + Ngi lao ng ang ng bo him x hi t nguyn, + Ngi ang bo lu thi gian ng bo him x hi t nguyn, + Ngi ang hng lng hu. - Mc tr cp tut mt ln: + i vi ngi ang ng hoc ngi lao ng ang bo lu thi gian ng bo him x hi, cht 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 (khng quy nh ti thiu bng 03 thng lng hu nh BHXH bt buc). + i vi ngi ang hng lng hu, cht c tnh theo thi gian hng lng hu, nu cht trong hai thng u hng lng hu th tnh bng bn mi tm thng lng hu ang hng; nu cht vo nhng thng sau , c hng thm mt thng lng hu th mc tr cp gim i 0,5 thng lng hu (khng quy nh ti thiu bng 03 thng lng hu nh BHXH bt buc). (quy nh ti iu 78 Lut Bo him x hi).

67. Ngun hnh thnh qu bo him x hi t nguyn:


Qu bo him x hi t nguyn c hnh thnh t cc ngun sau: - Ngi tham gia bo him x hi t nguyn ng bo him x hi theo quy nh;

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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).

68. S dng qu bo him x hi t nguyn:


Qu bo him x hi t nguyn c s dng nh sau: - Tr cc ch bo him x hi cho ngi tham gia bo him x hi t nguyn; - ng bo him y t cho ngi tham gia bo him x hi t nguyn ang hng lng hu; - Chi ph qun l; - u t bo ton v tng trng qu theo quy nh.

(quy nh ti iu 99 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).

70. Mc ng bo him tht nghip:


Mc ng bo him tht nghip hng thng bng 3% tin lng, tin cng ng bo him tht nghip, trong : + Ngi lao ng ng bng 1% tin lng, tin cng thng ng bo him tht nghip.

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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.

71. Ch bo him tht nghip c hng:


- Tr cp tht nghip; - H tr hc ngh; - H tr tm vic lm. (quy nh ti Khon 3, iu 4 Lut Bo him x hi)

72. iu kin hng bo him tht nghip:


Ngi tht nghip c hng bo him tht nghip khi c cc iu kin sau: - ng bo him tht nghip mi hai thng tr ln trong thi gian hai mi bn thng trc khi tht nghip; - ng k tht nghip vi t chc bo him x hi; - Cha tm c vic lm sau mi lm ngy k t ngy ng k tht nghip. (quy nh ti iu 81 Lut Bo him x hi).

73. Mc hng v thi gian hng tr cp tht nghip hng


thng: - Mc tr cp tht nghip hng thng bng 60% mc bnh qun tin lng, tin cng thng ng bo him tht nghip ca su thng lin k trc khi tht nghip. - Thi gian hng tr cp tht nghip: + Ba thng, nu c t mi thng n di ba mi su thng ng bo him tht nghip; + Su thng, nu c t ba mi su thng n di by mi hai thng ng bo him tht nghip; + Chn thng, nu c t by mi hai thng n di mt trm bn mi bn thng ng bo him tht nghip; + Mi hai thng, nu c t mt trm bn mi bn thng ng bo him tht nghip tr ln. (quy nh ti iu 82 Lut Bo him x hi).

74. Tm dng hng tr cp tht nghip:


Ngi ang hng tr cp tht nghip b tm dng hng tr cp tht nghip khi thuc mt trong cc trng hp sau y:

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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).

75. Chm dt hng tr cp tht nghip:


Ngi ang hng tr cp tht nghip b chm dt hng tr cp tht nghip trong cc trng hp sau y: - Ht thi hn hng tr cp tht nghip; - C vic lm; - Thc hin ngha v qun s; - Hng lng hu; - Sau hai ln t chi nhn vic lm do t chc bo him x hi gii thiu m khng c l do chnh ng; - Khng 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 trong ba thng lin tc; - Ra nc ngoi nh c; - Chp hnh quyt nh p dng bin php x l hnh chnh ti trng gio dng, c s gio dc, c s cha bnh hoc chp hnh hnh pht t nhng khng c hng n treo; - B cht. (quy nh iu 87 Lut Bo him x hi).

76. S dng qu bo him tht nghip:


Qu bo him tht nghip c s dng: - Tr tr cp tht nghip. - H tr hc ngh. - H tr tm vic lm. - ng bo him y t cho ngi hng tr cp tht nghip. - Chi ph qun l. - u t bo ton v tng trng qu theo quy nh. (quy nh ti iu 103 Lut bo him x hi).

Phn iii Th tc thc hin Bo him x hi 77. S 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).

78. H s tham gia bo him x hi bt buc:


+ T khai c nhn ca ngi lao ng theo mu do t chc bo him x hi quy nh; + Danh sch ngi lao ng tham gia bo him x hi bt buc do ngi s dng lao ng lp; + Bn sao quyt nh thnh lp hoc giy chng nhn ng k kinh doanh hoc giy php hot ng i vi ngi s dng lao ng tham gia bo him x hi ln u; hp ng lao ng i vi ngi s dng lao ng l c nhn c thu mn, s dng lao ng. (quy nh ti khon 1 iu 110 Lut Bo him x hi).

79. H s tham gia bo him x hi t nguyn:


L T khai c nhn theo mu do t chc bo him x hi quy nh. (quy nh ti khon 2 iu 110 Lut Bo him x hi).

80. H s tham gia bo him tht nghip:


- T khai c nhn theo mu do t chc bo him x hi quy nh; - Danh sch ngi lao ng tham gia bo him tht nghip do ngi s dng lao ng lp. (quy nh ti khon 3 iu 110 Lut Bo him x hi).

81. Cp S bo him x hi cho ngi tham gia tham gia bo


him x hi, bo him tht nghip.. - Trong thi hn ba mi ngy, k t ngy giao kt hp ng lao ng, hp ng lm vic hoc tuyn dng, ngi s dng lao ng np h s tham gia bo him x hi bt buc, bo him tht nghip cho t chc bo him x hi. - Ngi lao ng np h s tham gia bo him x hi t nguyn cho t chc 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).

82. H s hng ch m au i vi ngi tham gia bo


him x hi bt buc: - S bo him x hi. - Giy xc nhn ngh m i vi ngi lao ng iu tr ngoi tr, giy ra vin i vi ngi lao ng iu tr ni tr ti c s y t, giy ra vin hoc phiu hi chn ca bnh vin i vi ngi lao ng mc bnh thuc danh mc bnh cn cha tr di ngy. - Xc nhn ca ngi s dng lao ng v iu kin lm vic i vi ngi lao ng lm ngh hoc cng vic nng nhc, c hi, nguy him; lm vic thng xuyn ni c ph cp khu vc h s t 0,7 tr ln. - Giy xc nhn ca ngi s dng lao ng v thi gian ngh vic chm sc con m au, km theo giy khm bnh ca con i vi ngi lao ng ngh vic chm sc con m au. - Danh sch ngi ngh m v ngi ngh vic chm sc con m au do ngi s dng lao ng lp. (quy nh ti iu 112 Lut Bo him x hi).

83. H s hng ch thai sn i vi ngi tham gia bo


him x hi bt buc: - S bo him x hi. - Bn sao giy chng sinh hoc bn sao giy khai sinh ca con hoc giy chng t trong trng hp sau khi sinh con m con cht hoc m cht. Trng hp lao ng n i khm thai, sy thai, no, ht thai hoc thai cht lu, ngi lao ng thc hin cc bin php trnh thai phi c giy xc nhn ca c s y t c thm quyn; nhn nui con nui di bn thng tui phi c chng nhn theo quy nh ca php lut. - Xc nhn ca ngi s dng lao ng v iu kin lm vic i vi ngi lao ng lm ngh hoc cng vic nng nhc, c hi, nguy him; lm vic theo ch ba ca; lm vic thng xuyn ni c ph cp khu vc h s t 0,7 tr ln hoc xc nhn ca ngi s dng lao ng i vi lao ng n l ngi tn tt. lp. - Danh sch ngi hng ch thai sn do ngi s dng lao ng

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(quy nh ti iu 113 Lut Bo him x hi).

84. H s hng ch tai nn lao ng i vi ngi tham gia


bo him x hi bt buc: - S bo him x hi. - Bin bn iu tra tai nn lao ng, trng hp b tai nn giao thng c xc nh l tai nn lao ng th phi c thm bn sao Bin bn tai nn giao thng. - Giy ra vin sau khi iu tr tai nn lao ng. - Bin bn gim nh mc suy gim kh nng lao ng ca Hi ng Gim nh y khoa. - Vn bn ngh gii quyt ch tai nn lao ng. (quy nh ti iu 114 Lut Bo him x hi).

85. H s hng ch bnh ngh nghip i vi ngi tham


gia bo him x hi bt buc: - S bo him x hi. - Bin bn o c mi trng c yu t c hi, trng hp bin bn xc nh cho nhiu ngi th h s ca mi ngi lao ng c bn trch sao. - Giy ra vin sau khi iu tr bnh ngh nghip, trng hp khng iu tr ti bnh vin th phi c giy khm bnh ngh nghip. - Bin bn gim nh mc suy gim kh nng lao ng ca Hi ng Gim nh y khoa. - Vn bn ngh gii quyt ch bnh ngh nghip. (quy nh ti iu 115 Lut Bo him x hi).

86. H s hng lng hu i vi ngi tham gia bo him x hi


bt buc: - S bo him x hi. - Quyt nh ngh vic i vi ngi ang ng bo him x hi; n ngh hng lng hu i vi ngi bo lu thi gian ng bo him x hi. - Bin bn gim nh mc suy gim kh nng lao ng ca Hi ng Gim nh y khoa i vi ngi ngh hu b suy gim kh nng lao ng t 61% tr ln. (quy nh ti iu 119 Lut Bo him x hi).

87. H s hng ch t tut i vi ngi tham gia bo him


x hi bt buc ang ng bo him x hi v ngi bo lu thi gian ng 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).

88. H s hng ch t tut ca ngi ang hng lng hu, tr


cp tai nn lao ng, bnh ngh nghip hng thng vi mc suy gim kh nng lao ng t 61% tr ln: - 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. (quy nh ti khon 2 iu 121 Lut Bo him x hi).

89. H s hng lng hu, bo him x hi mt ln i vi ngi


tham gia bo him x hi t nguyn: - S bo him x hi; - T khai c nhn theo mu do t chc bo him x hi quy nh. (quy nh ti khon 1 iu 123 Lut Bo him x hi).

90. H s hng ch t tut vi ngi tham gia bo him x


hi t nguyn: - S bo him x hi i vi ngi ang ng 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. (quy nh ti khon 2 iu 123 Lut Bo him x hi).

91. H s hng bo him tht nghip:


- n ngh hng bo him tht nghip theo mu do t chc bo him x hi quy nh. - Bn sao hp ng lao ng, hp ng lm vic ht hn hoc tho thun chm dt hp ng lao ng, hp ng lm vic hoc xc nhn ca n v cui cng trc khi tht nghip v vic n phng chm dt hp ng lao ng, hp ng lm vic ng php lut.

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(quy nh ti iu 125 Lut Bo him x hi).

92. Di chuyn ni hng lng hu, tr cp bo him x hi:


Khi ngi ang hng lng hu, tr cp bo him x hi hng thng chuyn n ni khc trong nc m mun c hng bo him x hi ni mi th phi c n gi t chc bo him x hi ni ang hng. T chc bo him x hi c trch nhim gii quyt trong thi hn nm ngy, k t ngy nhn c n; trng hp khng gii quyt th phi tr li bng vn bn v nu r l do. (quy nh ti iu 129 Lut Bo him x hi).

H Ni, ngy 10 thng 4 nm 2011


Bo him x hi Vit Nam

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