2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Currently, insurance is considered an area that protects against various circumstances. The service is issued for property, business, life. Workers' accident insurance protects the interests of people in case of accidents and other emergencies.
Concept
Activities in many areas of production are dangerous for humans, so employee insurance is a necessity. The production manager himself can insure it as his own property. If there is an accident, the employee or his superiors receive compensation.
This service will protect your interests in the event of an accident resulting in damage to property, he alth or life. The insurance sector operates on the basis of Federal Law No. 125 dated January 1, 2000.
Views
Insurance for workers against industrial accidents is divided into:
- required;
- voluntary.
The heads of enterprises must provide the employee with compulsory insurance. To do this, he applies to the Social Insurance Fund, which willpay regular dues. An insured event can be not only an accident, but also diseases and injuries caused by the profession.
Voluntary insurance of employees is needed to correct shortcomings in the law. If the manager agrees to arrange such a service, then this increases the credibility of the company. To do this, you need to choose an insurance company.
Who needs insurance?
Compulsory insurance is needed to protect social and material interests:
- in case of disability;
- impaired he alth;
- death.
It must be issued:
- persons employed under an employment contract;
- injured or injured persons;
- convicted and doing work.
Social Security
Social insurance for workers in production is mandatory in Russia. Law No. 125 regulates this area. The service is necessary for those citizens who work under an employment contract, as well as for convicted persons employed in production.
FZ insurers include:
- Russian and foreign companies operating in Russia.
- Individual entrepreneurs who enter into agreements and contracts with employees.
The insurer is the Social Insurance Fund. Its budget is formed thanks to the monthly payments of the employer for each employee. Contributions are based on salary.
In art. 8 FZ states that funds are being spent:
- for disability benefits;
- compensation for death;
- payment for treatment, purchase of medicines, recovery.
Voluntary insurance
Voluntary life insurance of employees is carried out on the basis of the norms fixed in Art. 934 of the Civil Code of the Russian Federation. The terms of cooperation are established by the parties to the agreement concluded between the company and the citizen. The employee is paid compensation in case of an insured event. Contributions are paid by the employer.
Voluntary insurance of an employee by the employer is considered material support in case of injury in the performance of their duties. The advantage lies in the ability to determine:
- conditions;
- deposit order;
- rules and payout amounts;
- terms of insurance.
Terms & Conditions
When insurance is issued for employees, you need to find out which cases are considered insurance. These can be situations:
- temporary disability;
- injury due to an accident;
- disability acquisition;
- injury incompatible with life.
An insured event is a situation when an employee is injured on official vehicles while traveling to work or returning home. But not one of them:
- self-inflicted injury;
- commission of illegal actions;
- suicide;
- causing an accident.
Moraldamage is not included in the category of "insured event".
Rights and obligations of the employer as insurance guarantor
Employer and insured person are en titled to:
- receiving information from the Foundation;
- receipt of documents for verification of expenditure of funds;
- protection of interests in court.
Employer responsibilities include:
- payment of funds;
- informing the fund about accidents;
- alert about changing the scope of the company;
- informing the employee about the possibility of applying to the Fund;
- refunds if fees have not been paid.
Timely insurance is considered a responsible area. It ensures safety and necessary working conditions in the workplace. It also reduces the number of accidents, occupational ailments.
Payouts
If employees are insured, then payments are due upon the occurrence of an insured event:
- Temporary Incapacity Compensation;
- one-time payments;
- monthly payments;
- test payments.
Rehabilitation costs include:
- treatment;
- purchasing medicine;
- he alth resort services;
- creating prostheses;
- buying transport;
- retraining;
- fare.
When an employee dies, compensation is provided to family or relatives. Voluntary insurance of employeesorganization usually involves receiving free medical care for treatment.
Tariffs and prices
There are 32 insurance tariffs that differ in the likelihood of risks in production. They are selected based on the activities of the enterprise. Insurance rates can be within 0.2-8.5%.
Insurance Fund
This organization provides mandatory employee accident insurance. It is she who pays compensation to people. The fund cannot be replaced by another insurance company. To receive compensation or payment, you must submit the following documents:
- accident report or disease paper;
- documentation on average earnings;
- confirmation of the type of rehabilitation;
- confirmation of official employment;
- death certificate;
- examination results;
- conclusion of medical and social expertise.
Copies are certified by a notary. Insurance is considered a method of protecting the employee and the employer. If it is mandatory, it reduces the number of accidents, and also guarantees that the necessary compensation will be provided.
Pension insurance
Compulsory pension insurance for workers ensures the protection of the rights of citizens. Moreover, it also applies to foreigners living in Russia. Voluntary insurance is considered an addition to it, which is more reliable protection. The service allows you to accumulate funds for the formation of a future pension.
Voluntaryinsurance is available upon request. An agreement is concluded between the parties to the transaction, which establishes the amount and principles for calculating contributions. With such a service, a decent pension is expected. Voluntary insurance is carried out by various companies. Extra-budgetary funds are not related to the formation of funds.
Each employee can choose the best tariffs and services. The pension is formed at the expense of contributions transferred under the contract. Insurers control the full and timely fulfillment of obligations. Liability is provided for non-fulfillment of the conditions.
Insurers for this service are:
- companies;
- non-state funds.
NPFs are non-profit enterprises that organize voluntary insurance (Article 2 of the Federal Law No. 75). The client of the organization can be an individual. The investor in this transaction will be the insured. It is he who transfers the funds.
A contract is concluded between the parties. This is an agreement, according to which the payment of additional funds for the formed contributions is required. If the beneficiary is an individual, then the following payments may be made:
- retirement;
- one-time benefits;
- redemption amounts.
When the contract is terminated, third parties cannot claim remuneration. Obligations arise with the first insured event. The contract will be terminated if the obligations of both parties are fulfilled.
There are several differences between DPS andcompulsory insurance:
- the first is guaranteed by the agreement, and the second by the state;
- in the first case, a desire is necessary, and the second is a must;
- with a voluntary service, you can choose tariffs and the procedure for payments, and the tariffs and tax base for OPS are established by legislation;
- with DPS, you can choose a company yourself, and in the second case, funds are transferred to off-budget funds;
- the NPF budget is created from investments and deposits, and in state funds it is created thanks to contributions from employers;
- in a voluntary service, the scheme of work is important, and in a mandatory service, the tariff and rate.
The state provides compulsory insurance. It is necessary to compensate for the treatment of people, the payment of pensions, benefits. And the voluntary is chosen at will, and it can only apply to specific cases. Both services are important, so you need to pay attention to all the details when ordering them.
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