What is unemployment insurance? Conditions, new unemployment insurance benefits 2021

Unemployment insurance policy is really one of the policies to support and offset the economic difficulties of workers during economic difficulties.

What is Unemployment Insurance?

Unemployment insurance

Unemployment insurance is occupying an important position for workers in the current difficult economic times.

Unemployment insurance is a mode of compensating a part of an employee’s income when he or she loses a job , supporting workers to learn, maintain and find a job on the basis of contributions to the Unemployment Insurance Fund (the 4 Article 3 of the Employment Law 2013).

Conditions for participation in unemployment insurance

Conditions for participation in unemployment insurance

Employees working under labor contracts with a term from full 3 months in all agencies and units (regardless of the number of employees the unit is using).

If an employee signs a labor contract with many companies , the first company must be responsible for participating in unemployment insurance for them (if the first labor contract ends, join unemployment insurance at the company). next company).

Within 30 days from the effective date of the labor contract , the enterprise must carry out procedures for participation in unemployment insurance for employees.

Unemployment insurance premium

Unemployment insurance premium

According to the provisions of Clause 1, Article 14 of Decision 595/QD-BHXH:

Employees pay 1% of monthly salary.

The employer pays 1% of the monthly salary fund of the employees participating in unemployment insurance.

The salary is calculated by the salary and income specified in the labor contract , excluding bonuses, overtime wages and allowances from the employer.

Conditions for enjoying unemployment insurance

Conditions for enjoying unemployment insurance

An employee is entitled to unemployment insurance when fully meeting the following conditions:

Termination of a working contract or a labor contract , except for the following cases: the employee unilaterally terminates the contract, the labor contract is illegal, and receives monthly pension and allowance for loss of working capacity.

Having paid unemployment insurance premiums for full 12 months or more within 24 months before the termination of the labor contract, in the case of entering into a definite-term labor contract and an indefinite-term labor contract.

Having paid unemployment insurance premiums for full 12 months or more during the period of 36 months prior to the termination of the labor contract, for a seasonal labor contract or a certain job with a term of from full 3 months to less than 12 months .

Have submitted the application for unemployment benefits at the employment service center within 03 months from the date of termination of the labor contract.

Having not found a job after 15 days from the date of submitting the application for unemployment insurance benefits, except for the following cases:

• Perform military service and police duty;
• Studying for a term of full 12 months or more;
• To abide by the decision to apply the measure of sending to reformatory, compulsory education institution, compulsory detoxification establishment;
• Being detained, serving prison sentences;
• Going abroad to settle down; go to work abroad under contract;
• The worker dies.

Unemployment insurance benefits

The employee’s unemployment allowance level is prescribed as follows:

Monthly unemployment allowance = Average salary of 06 consecutive months with unemployment insurance premiums before unemployment x 60%

The monthly unemployment allowance level is equal to 60% of the average monthly salary on which unemployment insurance premiums are based of the 06 preceding months before unemployment, but must not exceed 05 times the base salary for employees who are subject to unemployment insurance premiums. implement the salary regime prescribed by the State or not exceeding 05 times the regional minimum salary as prescribed by the Labor Code for employees who pay unemployment insurance according to the salary regime set by the employer. decided at the time of termination of the labor contract or employment contract.

Dossier of procedures for receiving unemployment insurance

Dossier of procedures for receiving unemployment insurance

To receive unemployment benefits, employees need to prepare the following documents:

• Application for unemployment benefits (form).

• The original or a certified copy of one of the papers certifying the termination of the labor contract.

Through the above article, we provide some basic information about the conditions, benefits and procedures of unemployment insurance, so that employees can know and protect their rights.

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