1. Problems existing in current industrial injury insurance
1. 1 industrial injury identification
Work-related injury identification is the basis of determining the liability of work-related injury insurance, but the current work-related injury identification in China is still not clear enough, which is not conducive to the implementation of work-related injury insurance compensation. Because the identification of work-related injuries mainly adopts enumeration method, there are some vague blind spots in this method, and it is possible to define the situation that must be regarded as work-related injuries outside the scope of work-related injuries.
1.2 Old industrial injury problem
After an industrial accident, how to make employees recover is the key issue of industrial injury insurance. At present, China is still in the development stage, and the management of industrial injury insurance has just begun. Because many units still retain the thinking mode of lifelong labor relations, both units and employees lack the concept of vocational rehabilitation and insufficient understanding of old work-related injuries. The lack of related rehabilitation centers can neither make the injured workers pay attention to the old work-related injuries, nor make the rehabilitation work go smoothly.
1.3 industrial injury insurance benefits
Although there is legislation on industrial injury insurance compensation, it lacks maneuverability in the actual operation process. Because in the relevant laws and regulations, the Law on Work Safety and the Law on the Prevention and Control of Occupational Diseases only establish the rights of injured employees to enjoy social insurance and compensation for work-related injuries, and there are no clear and detailed provisions on relevant details in the implementation process, and the meaning of the provisions is vague. At the same time, due to the different levels of economic development in different places, the amount of social insurance funds collected is also different, so there is room for flexibility in compensation for employees, which greatly damages the deserved interests of injured employees. Especially in some underdeveloped areas, the treatment standard of industrial injury insurance is very low, which can not meet the conditions of various after-care work.
1.4 The operating mechanism of industrial injury insurance is not perfect.
At present, the publicity of industrial injury insurance in China is not strong, and the payment rate mechanism is unreasonable. The publicity work was mainly restricted by the heavy workload and insufficient staffing, so it was not carried out smoothly. In the end, many people define industrial injury insurance as a small type of insurance, which is relatively neglected compared with endowment insurance and medical insurance. From the perspective of rate mechanism, the scientific coefficient relationship between comprehensive quantitative indicators and rate fluctuation has not been established in China. Moreover, the formulation of differential rates is not scientific enough, the grades of differential rates are divided less, and the rates are not determined according to the probability of accidents and the characteristics of different industries, which cannot play a role in regulating economic leverage.
1.5 the management efficiency of work-related injury fund is low, and there are certain losses.
First, the industrial injury insurance fund lacks a unified national financial management method, and many enterprises include the premiums paid in production costs, non-operating expenses, and even employee welfare expenses. The expenditure items are chaotic and the channels are not unified; Second, some enterprises conceal the number of employees in order to pay less premiums, and some enterprises only participate in insurance after industrial accidents; Third, in order to obtain insurance funds, some hospitals prescribe imported drugs, high-priced drugs and even fake prescriptions for the treatment of injured workers. All these have caused the loss of industrial injury insurance fund.
2. Improve measures to solve the problem of industrial injury insurance.
2. 1 Improve the standards for determining work-related injuries
The state should designate relevant departments to identify employees' work-related injuries in combination with relevant laws and national conditions of mobile phones.
There are three points to note about the definition of work-related injuries:
First, the accidents occurred during the employee's employment to resignation; Second, it includes occasions where workers have work behavior on their way to work, production areas, work areas and so on. , they should be included in the scope of work-related injury determination; The third is to judge according to the position of the worker, that is, whether there is a close relationship between the work-related injury and the performance of work duties, and if there is, it should be judged as a work-related injury.
2.2 reasonably do a good job in work-related injury rehabilitation and publicity.
For the rehabilitation of old industrial injuries, it is necessary to make clear provisions, improve the rehabilitation center, and reasonably meet the rehabilitation needs of old industrial injuries. At the same time, some vocational training and safety production courses are carried out in rehabilitation centers to help old workers with industrial injuries master new technologies, so that they can pay full attention to safety work and truly protect the legitimate rights and interests of workers. BBK Paper Publishing, this website publishes a large number of economic papers in model format and manages the titles of papers. It can be used as a reference for those who need thesis defense and economic evaluation titles.
We should know that the occurrence of industrial accidents is not only affected by external conditions such as industrial injury protection equipment and working environment, but also related to the understanding of industrial injury insurance system by enterprise leaders and employees themselves. Therefore, we should increase publicity and education on the relevant knowledge of industrial injury insurance system, and incorporate the common sense of relevant laws and regulations into the content of law popularization. Workers in small and medium-sized enterprises and high-risk enterprises, in particular, should receive regular education on safety production knowledge, improve their own safety awareness, enable them to master safe and effective production skills and protection methods, and realize the importance of industrial injury insurance.
2.3 clearly define the scope and standards of industrial injury compensation
It is scientific and reasonable to determine the level of disability treatment according to the wage standard of workers with work-related injuries and the degree of work-related injuries. 20 1 1 In the newly implemented Regulations on Work-related Injury Insurance, in addition to funeral expenses and regular pensions for survivors, there is also a one-time work-related death subsidy. The former two are only protective and cannot reflect the compensation nature, while the latter belongs to the compensation nature. In addition to the disability allowance, employees who are disabled at work should also pay compensation in one lump sum according to the degree of disability to make up for the physical and mental pain caused by the disability. Patients with occupational diseases can also be treated according to this principle.
2.4 Improve the operation mechanism of industrial injury insurance system
We should improve the operating mechanism of industrial injury insurance system from two aspects: payment mechanism and fund management, and establish a scientific, reasonable and effective rate mechanism. The rate of industrial injury insurance can be adjusted on the basis of industry differential rate and combined with the actual situation of industrial injury in enterprises. This rate is not fixed, but the floating value of the new year is determined with the change of actual situation, such as the frequency of industrial injury in that year. In addition, for some industries with a certain task as the deadline or short-term business, a temporary personnel payment system should be established.
3. Summary
To sum up, taking measures to solve the practical disadvantages in industrial injury insurance is a necessary means to protect the rights and interests of workers' industrial injury insurance, and it is also an urgent issue.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.