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Bảo Hiểm Thất Nghiệp Là Gì? Những Quy Định Về Bảo Hiểm Thất Nghiệp Năm 2022 Bạn Cần Biết

Now that you have a job, plus your available experience and skills, what do you do with insurance? What is unemployment insurance and why is it important?

If you also have this same question, the useful information in the following article will answer your confusion.

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What is Unemployment Insurance (UI)?

Unemployment insurance (UI) is a type of social insurance.

With a pension scheme and income support when losing a job, this is an effective source of support for those who are still having difficulty in the process of finding a job.

During the time of waiting and looking for a new job, unemployment insurance will support workers with a part of daily living expenses, as well as create opportunities for vocational training and job placement counseling.

What is the role of Unemployment Insurance in the context of the Covid-19 pandemic?

There is one thing you can easily notice among the current mass of media: Due to the serious impact of the Covid-19 epidemic on the economy and social life, countless companies have dissolved and cut employees. As a result, unemployment is also increasing day by day.

According to a press release from the General Statistics Office, the complicated developments of the Covid-19 pandemic pushed the number of unemployed people of working age in the third quarter of 2021 to more than 1.7 million people, an increase of 532.2 thousand people. people compared to the previous quarter and increased by 449.6 thousand people over the same period last year.

What is the role of Unemployment Insurance in the context of the Covid-19 pandemic?

In addition, the unemployment rate in many localities has also far exceeded the usual 2%, a red alert for “a sad economic year” for Vietnam.

At this time, Unemployment Insurance (UI) is an extremely useful lifeline for millions of unemployed workers at the current difficult time, partially compensating for their meager financial resources. job loss.

In addition, you can also see the important contribution of the Unemployment Insurance Fund to financial support for employees in the second half of 2021 (October 1, 2021 – December 31, 2021) – Specifically, the Government’s resolution 116/NQ-CP with a total expenditure of about VND 30,000 billion, and the amount can be up to 3,300,000/individual based on the time of payment of unemployment insurance and have not yet received unemployment benefits.

Having read this far, have you figured out what the importance of unemployment insurance is?

Read more: What to do when unemployed

Who are the beneficiaries of Unemployment Insurance (UI)?

What are the mandatory conditions of participation in Unemployment Insurance? Are only unemployed people required to apply for insurance? The answer is absolutely NO.

According to Article 43 of the Employment Law 2013, unemployment insurance is compulsory for both employees and employers. Whether an ordinary employee, department head, or director, all must have this insurance.

Who are the beneficiaries of Unemployment Insurance (UI)?

Specifically, the subjects participating in this type of insurance include:

  1. Employees are working under the following types of labor contracts or work contracts:
  • Labor contract or work contract of indefinite term;
  • Labor contract or fixed-term work contract;
  • Seasonal labor contracts or for a certain job with a term of from full 3 months to less than 12 months.
  1. Employers: State agencies, public non-business units, people’s armed forces units; organizations related to socio-political professions; foreign and international agencies and organizations operating in Vietnam.

However, employees who are in the state of receiving a monthly pension or disability allowance but continue to work part-time with a labor contract will not be required to participate.

What are the benefits of joining unemployment insurance?

For some reason, you have not found the job you want. You are still struggling to find a job, spread your resume and at the same time have to deal with the worries of food and money. At this time, unemployment insurance will be the savior to partially solve those difficulties. You will enjoy the following benefits:

  • Get unemployment benefits.
  • Support counseling, job placement.
  • Vocational support.
  • Support training, fostering and improving vocational skills to maintain jobs.

What is the monthly payment limit?

Unemployment insurance premiums in 2022 will also comply with the provisions of the Employment Law 2013 and other legal documents.

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Specifically, the monthly limit of employees and employers is calculated as follows:

  • Employees pay 1% of monthly salary

Accordingly, the salary you need to pay monthly is also the salary as the basis for your social insurance payment (according to Article 58, Employment Law).

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

Pursuant to Article 44 of the Employment Law, the employer must participate in unemployment insurance for the employee within 30 days from the effective date of the labor contract or work contract. .

So, make sure the company you apply for will fulfill this obligation to ensure your rights before signing the contract!

How to calculate unemployment insurance benefits?

This is probably the part that many people are most interested in when participating in this type of insurance. After participating in unemployment insurance (UI), what level of benefits will you receive?

Simple calculation and duration of unemployment benefits

Article 50 of the Employment Law stipulates as follows:

The monthly unemployment benefit rate = 60% of the average salary for the 6 consecutive months before unemployment.

Your unemployment benefit period will be calculated based on the number of months of unemployment insurance premium payment.

Accordingly, with the number of months of payment from 12-36 months, you will be entitled to the equivalent of 3 months of allowance. After that, for every 12 months you continue, you will be entitled to an additional month of benefits. However, the maximum will only stop for 12 months.

In addition, the time to receive benefits will be counted from the 16th day from the date of submitting a complete application for unemployment benefits.

Simple calculation and duration of unemployment benefits

Let Glints give you an example for easy visualization:

For example, your average salary was VND 8,000,000 in the last 6 months before unemployment. The time you join unemployment insurance is 50 months.

Accordingly, you will enjoy: 3 months (the first 36 months of joining) + 1 month (12 months later) = 4 months of benefits.

With the remaining 2 months (corresponding to 50 months 36 months 12 months), you will be accrued for the next unemployment insurance benefit.

With the above calculation, you will receive unemployment insurance benefits of 4 months of benefits with a monthly allowance of: 60% x 8,000,000 VND = 4,800,000 VND.

What is the maximum benefit you can receive?

However, this level of enjoyment will not exceed 05 times the base salary for employees according to the salary regime prescribed by the State.

As expected, the base salary in 2022 will continue to remain the same at 1.49 million VND/month. This means that state employees and employees will have a maximum allowance of 7.45 million VND/month.

For employees according to the salary system decided by the Enterprise, the allowance level will not exceed 05 times the regional minimum salary – the current level will remain unchanged from the level specified in 2021. (Refer to the table below).

regional minimum wage and maximum unemployment allowance in 2022

What do you need to do to receive unemployment insurance benefits?

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Please carefully note the following to be able to receive benefits after unemployment:

  • Immediately after terminating the contract with the company, do not forget to take back the Insurance Book and the signed resignation letter from the business owner.
  • Within 3 months after that, you need to submit the subsidy box at the employment service center established by the state management agency in charge of employment.

Within 20 days after the center receives the complete application, the competent authority will decide whether you are eligible for the subsidy scheme or not. Within 5 days after the decision on unemployment insurance benefits is issued, the social insurance organization is obliged to pay this amount to you (Article 46, Employment Law).

What are the conditions for you to be considered for unemployment insurance benefits?

Basically, you will be approved for benefits when you have not found a job after 15 days from the date of submitting your application for unemployment insurance. However, except for the following cases under Article 49, Employment Law:

  • Unilaterally terminate labor contracts or work contracts illegally.
  • Enjoy monthly pension and allowance for loss of working capacity.
  • Failure to pay unemployment insurance in full for 12 months or more within 24 months before the termination of the labor contract; or within 36 months for seasonal labor contracts (from 3 under 12 months).
  • Perform military service, police duty.
  • Studying for a term of full 12 months or more.
  • Going abroad to settle down; go to work abroad under contract.

Dossier for unemployment benefits in 2022

So what are the documents you need to prepare for unemployment insurance benefits?

  • Social insurance book;
  • An application form for unemployment benefits, made according to the form prescribed by the Minister of Labor, War Invalids and Social Affairs. You can download it online or go to the Employment Service Center for the paper and detailed instructions.
  • The original or a notarized copy for comparison of one of the documents certifying the termination of the labor contract or the working contract as prescribed.

What procedures do you need to follow to receive unemployment insurance?

You need to do the following 4 steps:

Step 1: Within 03 months from the date of termination of the labor contract, you must directly submit 01 application to the employment service center.

Step 2: Go to the employment service center to receive the decision on unemployment benefits according to the date specified in the appointment card.

Step 3: Within 5 days from the date of receipt of the decision on benefit entitlement, to the social insurance agency receiving the first month’s allowance.

Step 4: Every month, go to the employment service center to make job search announcements in accordance with regulations.

Information about other modes of unemployment insurance

Information about other forms of unemployment insurance?

Support training, fostering and improving skills for employees

According to Clause 1, Article 43 of the Employment Law, enterprises will receive financial support for training and fostering your vocational skills when fully meeting the following conditions:

  • Continuously paying unemployment insurance for 12 months or more for employees (up to the time of requesting for support).
  • Facing difficulties due to an economic downturn due to force majeure (such as the impact of the Covid-19 pandemic forcing the company to change its business structure, etc.).
  • Insufficient funds to organize training & retraining.
  • Having a training & retraining plan approved by a competent authority.

The duration of supported businesses will be according to the approved plan and will not exceed 6 months.

Support counseling, job introduction, vocational training

After terminating the contract, if you have paid full unemployment insurance premiums and are looking for a job, you will be given free advice and job placement (According to Article 43 of the Employment Law). .

In addition, in the school you want to receive vocational training support, first check that you have met the following conditions:

  • Terminate the contract according to regulations, apply for benefits and have not found a job after 15 days.
  • Having paid unemployment insurance for full 9 months or more within 24 months after terminating the contract as prescribed by law.

The time you are supported will also be equivalent to the actual apprenticeship, but will not exceed 6 months.

Life always has risks that we cannot anticipate. Therefore, actively seeking information is a useful way for you to protect your rights. Hopefully the information about unemployment insurance that Glints has just provided will help you feel secure and deal with the worst situations.

Articles contributed by Page Image

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