Do you know the benefits of social security?
买社保，这些好处你知道吗？
Nowadays, buying social security is the basic welfare that many companies give to their employees, but some people sigh: “I think I bought a fake social security, because I don’t feel like enjoying any benefit at all!” So what is the use of social security?
现如今,购买社保是很多公司给到员工的基本福利,但有的人却感慨：“是不是交了个假社保，完全感受不到有什么好处啊！”那么社保到底有什么用？
1. For foreigner personels, if they do not intend to settle in China or retire in China in the future, they can apply for the refund of the amount contained in the medical insurance card.
针对外国人，如果以后不打算定居中国，不在中国养老，那么，可以申请退还医保卡里面的金额。
2. Children can inherit the amount.
儿女可以继承里面的金额。
3. It is helpful to apply for a work visa.
对申请工作签证有帮助。
一
Medical insurance
Reimbursement of medical expenses
医疗保险
报销医疗费
Q:
Some foreign employees are worried that because of the different retirement age regulations and the fact that the vast majority of them will leave China before retirement, it will be difficult for them to get a pension after paying their fees. How to deal with this situation?
问：有外籍员工担心由于对退休年龄的规定不一样，以及他们绝大多数人会在退休前就离开中国，以致发生缴了费但难以拿到退休金的情况，请问这种情况如何处理？
A:
As for how foreigners can enjoy pension insurance treatment, the Social Insurance Law and the Interim Measures have clearly stipulated that foreigners who have reached the legal conditions for pension in China shall enjoy pension insurance treatment according to law.
At the same time, the Provisional Measures stipulate that if a foreigner leaves the country before reaching the prescribed pension age, his social insurance personal account shall be retained, and if he comes to China for employment again, the cumulative payment period shall be calculated; if he applies in writing to terminate the social insurance relationship, he or she may also pay the deposit of his or her pension personal account at one time to himself; if a foreigner pass away, his or her pension shall be paid at one time. The balance of individual insurance accounts may be inherited according to law.
答：关于外国人如何享受养老保险待遇，《社会保险法》和《暂行办法》已有明确规定，参保外国人达到我国规定的领取养老金法定条件的，依法享受养老保险待遇。
《暂行办法》同时规定，外国人在达到规定的领取养老金年龄前离境的，其社会保险个人账户予以保留，再次来中国就业的，缴费年限累计计算；经本人书面申请终止社会保险关系的，也可以将其养老保险个人账户储存额一次性支付给本人；外国人死亡的，其养老保险个人账户余额可以依法继承。
二
Endowment Insurance 养老保险
Collection of Pension领取养老金
After you reach the statutory retirement age, you can get a pension, but it usually takes a cumulative 15 years insurance to use. As for how much money you can get every month after retirement, it mainly depends on two factors:
1. The salary level during the working period.
2. The length of the year of payment.
That is to say, the higher the wage level and the longer the payment time, the more pensions will receive after retirement.
在你达到法定退休年龄后，可领取养老金，但一般要累计缴满15年的养老保险才能使用。至于退休后每个月能拿多少钱，主要取决于两个因素：
1.在职期间的工资水平高低。
2.缴费年头的长短。
也就是说，工资水平越高、缴费时间越长，退休后养老金拿的就多。
三
Maternity Insurance
Reimbursement of maternity medical expenses and maternity allowance
生育保险
报销生育医疗费用&领取生育津贴
Firstly, the employee’s maternity insurance is paid by the company. After one year’s payment, the employee’s maternity insurance can apply to the company or the local social security bureau for use. Moreover, the Social Security Insurance Law clearly stipulates that spouses of male workers can enjoy the treatment of reproductive medical expenses, reimbursement of inspection fees, operation fees, hospitalization fees and so on without employment.
首先，员工生育保险全由公司缴纳，缴满1年后，可向公司或者当地社保局提出申请使用。而且社保保险法明确规定了男职工的配偶在未就业的情况下，可以享受到男职工的生育医疗费用待遇，报销检查费、手术费、住院费等。
如果超出规定的医疗服务费和药费，比如：自费和营养药品的费用等，将由个人负担。
其次，在产假期间还可享受生育津贴，具体金额需结合企业和当地社保局的标准来定。
四
Unemployment Insurance
Receive Unemployment Compensation
失业保险
领取失业保险金
There was an online campaign about “Will you go to get unemployment compensation?” Survey results show that only 37.05% of netizens choose to get it, while most netizens do not know how to get it at all?
网上曾发起过一项关于“你会不会去领失业保险？”的调查，结果显示只有37.05%的网友选择领，而大部分网友表示不知道怎么领？
1. People with rural household registration: With the certificate of dismissal issued by the company and go to the local labor bureau to fill in the form of receiving unemployment compensation, after that need to obtain the stamp from the company, and then return it to the social security department for stamping, after all those steps they can receive unemployment compensationat the designated bank at one time.
1. 农村户口：凭单位开具的解雇证明，到当地劳动局填写失业金领取表格，填写完成后到个人单位盖章，再交回社保部门盖章，就可以到指定的银行一次性领取失业金。
2. People with urban household registration normally need to go to the Labor Security Station of the sub-district where the household registration is located to apply for the unemployment certificate, and then go to the designated place to collect the unemployment compensation with the unemployment certificate on a monthly basis.
2. 城镇户口一般到户口所在地的区街道劳动保障站办理失业证，然后到指定的地方按月凭失业证领取失业金。
Generally, it takes 4 to 24 months to obtain the unemployment compensation, and the amount is 85% to 90% of the minimum wage standard in this city. The specific amount depends on the years you have paid the insurance.
In addition, if you are about to have a new job during the period of receiving unemployment compensation, it will be stopped. Similarly, the following basic conditions must be met for receiving unemployment compensation:
1. The applicant and his/her company has paid unemployment insurance premium for one year before out of work ;
2. Have suspended employment undue to their own willingness.
3. The unemployment registration has been carried out, and there are job-hunting requirements.
一般领取时长为4~24个月，金额为本市最低工资标准的85%~90%，具体得根据你所缴纳的年限来定。
另外，如果你在领取失业金期间内有新单位就业情况，将会停止发放。同样，领取失业金还得满足以下基本条件：
1.失业前用人单位和本人已经缴纳失业保险费满一年的；
2.非因本人意愿中断就业的；
3.已经进行失业登记，并有求职要求的。
五
Employment injury insurance
Receiving compensation for Employment injury insurance
工伤保险
领取工伤赔偿金
Employment injury insurance is very important among the five kinds of insurance, especially for some dangerous industries, such as construction industry, electrical industry, mining industry and so on.
工伤保险在五险当中是非常重要的险种，尤其对于一些危险性行业，比如：建筑行业，电工行业，矿采行业等。
Industrial injury insurance is a compulsory requirement of the state for the welfare of employees. Individuals do not have to pay fees, and the insurance will take effect immediately after purchased by enterprises. When individuals accidentally injured by work, they can apply to the company or the Social Security Bureau for compensation.
工伤保险是国家强制性要求企业给员工的福利，个人不需缴费，企业购买后即时生效。当个人因工作而受到意外伤害，就可以向公司或社保局申请赔偿。
The amount of compensation received depends on the degree of injury. For example, the compensation fee for the first degree disability is 27 months’ salary, the second degree disability is 25 months’ salary, and the third degree disability is 23 months’ salary.
所领取的赔偿金额需要根据受伤程度而定。比如：一级伤残为27个月的本人工资，二级伤残为25个月，三级伤残为23个月。
There is also a monthly disability allowance, depending on the Social Security Bureau and the employer.
还有一种按月领取伤残津贴，具体也得根据社保局和用人单位而定。
How to inquire about personal social security insurance?
Inquiries about individual social security insurance are mainly to check whether the payment of the insurance has stopped halfway, and to check which insurance compensation can be enjoyed. There are several common ways to check:
1. Inquiry through the unit human resources department of your company.
2. Inquiry through the official website of social security insurance, inputting your ID number on the official website, which initial number is the last six digits of the ID number, then you can enter your own account page to check.
3. Go to the local human resources and social security center, you can look for the information and print it out by the self-service machine.
查询个人社保主要是看是否有断缴的情况，哪些保险金可以享用，常见的有以下几种途径：
1.通过单位人力资源部查询。
2.通过社保网查询，在社保查询网上输入自己的身份证号，初始号码为身份证后六位，就可以进入自己的账户查询。
3.去当地人力资源和社会保障中心，可以在自助查询机上查阅并打印。
Employers and workers must attend social insurance according to law and pay social insurance premiums. Thus, it can be seen that attending social insurance is a legal obligation of both companies and employees, which is compulsory.
用人单位和劳动者必须依法参加社会保险，缴纳社会保险费。由此可见，参加社会保险是单位及员工的法定义务，具有强制性。