After purchasing work-related injury insurance, most work-related injury treatment costs can be paid by the work-related injury insurance fund.
If you do not buy work-related injury insurance, all work-related injury benefits will be paid by the company.
You can follow the following steps:
1. The enterprise should apply to the labor administrative department where the enterprise is located for recognition of work-related injuries within one month and one year.
2. After the work-related injury is deemed to be medically stable, apply to the local labor appraisal committee for labor ability (disability) appraisal.
According to the Work-related Injury Insurance Regulations of Guangdong Province
Article 43: If an employee’s employer fails to pay work-related injury insurance premiums in accordance with the law and a work-related injury accident occurs, the employer shall pay work-related injury insurance benefits.
If the employer fails to pay work-related injury insurance benefits, the injured employee or his close relatives may apply for advance payment. For those who meet the conditions after review, the work-related injury insurance fund will pay the work-related injury insurance benefits in advance.
Work-related injury insurance benefits paid in advance from the work-related injury insurance fund shall be reimbursed by the employer. If the employer fails to repay within the time limit, the social insurance agency shall pursue compensation from the employer in accordance with the law.
1. Medical treatment: Medical expenses are reimbursed, and hospitalization meal subsidies are paid by the work-related injury insurance fund according to local standards. If nursing is required, the unit needs to pay nursing fees according to local standards.
2. Paid benefits for off-duty work: Work-related injury benefits need to be determined with paid off-duty benefits. The opinion is usually issued by a medical institution that treats work-related injuries and is confirmed by the Labor Capacity Appraisal Committee, which generally does not exceed 12 months. During the paid suspension period, the original wages and benefits will remain unchanged and will be paid by the unit on a monthly basis.
3. Disability allowance.
4. The one-time disability subsidy standard 1-10 has different disability levels. Depends on the level of disability assessment.
5. When the labor relationship is terminated, the one-time work-related injury medical subsidy paid by the work-related injury insurance fund shall be paid by the unit. In accordance with the standards stipulated by Jiangsu Province: (1) One-time work-related injury medical subsidy.
(2) One-time disability employment subsidy.
Standards 1-10 have different disability levels. Depends on the level of disability assessment.