Currently, insurance is considered an area that protects against various circumstances. The service is made out for property, business, life. Worker accident insurance helps protect the interests of people in accidents and other emergencies.
The concept
Activities in many areas of production are dangerous to humans, so employee insurance is a must. The production manager himself can insure him as his property. If there is an accident, the employee or his superiors will receive compensation.
This service will protect interests in the event of an accident resulting in damage to property, health or life. The insurance sector operates on the basis of Federal Law No. 125 of 1.01.2000.
Kinds
Workers' accident insurance is divided into:
Company managers must provide the employee with compulsory insurance. To do this, he turns to the Social Insurance Fund, which will regularly pay contributions. An insured event can be not only an accident, but also illnesses, injuries arising from a profession.
Voluntary insurance of employees is needed to correct deficiencies in the law. If the manager agrees to arrange such a service, then this increases the credibility of the company. To do this, you need to choose an insurance company.
Who is insurance required for?
Compulsory insurance is needed to protect social and material interests:
- with disability;
- poor health
- of death.
It should be drawn up:
- persons arranged under an employment contract;
- persons injured or injured in health;
- convicted and performing work.
Social insurance
Social insurance of workers in the workplace is mandatory in Russia. Law No. 125 regulates this area. The service is necessary for those citizens who work under an employment contract, as well as for convicted persons employed in production.
Federal Laws to policyholders include:
- Russian and foreign companies operating in the Russian Federation.
- Individual entrepreneurs concluding agreements and contracts with employees.
The insurer is the Social Insurance Fund. Its budget is formed thanks to the monthly payments of the employer for each employee. The amount of contributions is set based on salary.
In Art. 8 Federal Law indicates that funds are being spent:
- for disability benefits;
- compensation for death;
- payment for treatment, purchase of medicines, recovery.
Voluntary insurance
Voluntary life insurance of employees is carried out on the basis of the norms fixed in Art. 934 of the Civil Code of the Russian Federation. The terms of cooperation are established by the parties to the agreement concluded between the company and the citizen. Compensation is paid to the employee in an insured event. Contributions are paid by the employer.
Voluntary insurance of an employee by an employer is considered material support for injuries in the performance of their duties. The advantages are the ability to determine:
- conditions;
- procedure for depositing funds;
- rules and amounts of payments;
- insurance terms.
Terms & Conditions
When insurance is issued for employees, you need to familiarize yourself with what cases are considered insurance. These may be situations:
- temporary disability;
- injury due to an accident;
- gaining disability;
- injuries incompatible with life.
An insured event is a situation when an employee is injured on official vehicles when traveling to work or when returning home. But it does not apply to them:
- self intentional injury;
- committing unlawful acts;
- suicide;
- provoking an accident.
Non-pecuniary damage is not included in the category of “insured event”.
The rights and obligations of the employer as a guarantor of insurance
The employer and the insured person have the right to:
- receiving information from the Fund;
- receipt of documents verifying the costs of funds;
- protection of interests in court.
The obligations of the employer include:
- payment of funds;
- informing the foundation about accidents;
- notification of changes in the scope of the company;
- informing the employee about the possibility of his appeal to the Fund;
- refund if contributions have not been paid.
Timely insurance is considered a responsible area. It provides safety and necessary working conditions in the workplace. It also reduces the number of accidents, professional ailments.
Payouts
If insurance is issued to employees, then upon the occurrence of an insured event the following payments are due:
- temporary compensation for a period of incapacity;
- one-time payments;
- monthly payments;
- survey payouts.
Rehabilitation costs include:
- treatment;
- purchase of medicine;
- sanatorium and resort services;
- the creation of prostheses;
- purchase of transport;
- retraining;
- fare payment.
Upon the death of an employee, compensation is provided to the family or relatives. Voluntary insurance for employees usually involves receiving free medical care for treatment.
Tariffs and prices
There are 32 insurance rates that differ in the likelihood of industrial risks. Choose them based on the activities of the enterprise. Insurance rates may be in the range of 0.2-8.5%.
Insurance fund
This organization provides compulsory accident insurance for the employee. It is she who pays people compensation. The fund cannot be replaced by another insurance company. To receive compensation or payment, you must submit the following documents:
- accident report or illness paper;
- documentation of average earnings;
- confirmation of the type of rehabilitation;
- confirmation of official employment;
- death certificate;
- examination results;
- conclusion of medical and social expertise.
Copies are notarized. Insurance is considered a method of protecting the employee and employer. If it is mandatory, it reduces the number of accidents, and is also a guarantee that the necessary compensations will be provided.
Retirement insurance
Obligatory pension insurance of workers provides protection of the rights of citizens. Moreover, it is valid for foreigners living in Russia. Voluntary insurance is considered an addition to it, which is more reliable protection. The service allows you to accumulate funds for the formation of a future pension.
Voluntary insurance is issued upon request. An agreement is concluded between the parties to the transaction, under which the size and principles of assessing contributions are established. With this service, a decent pension is expected. Voluntary insurance is provided by various companies. Extrabudgetary funds are not related to the formation of funds.
Each employee can choose the best rates and services. The pension is formed by contributions paid under the contract. Insurers monitor the full and timely fulfillment of obligations. For failure to comply with the conditions provided for liability.
The insurers for this service are:
- Company
- non-governmental funds.
NPFs are non-profit enterprises that organize voluntary insurance (Article 2 of the Federal Law No. 75). The client of the organization may be an individual. The investor in this transaction will be the policyholder. It is he who transfers the funds.
An agreement is concluded between the parties. This is an agreement on which the payment of additional funds for formed contributions is due. If the beneficiary is an individual, then the following payments may be made:
- pension;
- lump sum benefits;
- redemption amounts.
Upon termination of the contract, third parties cannot apply for a fee. Liabilities arise with the first insured event. The contract will be terminated if the obligations of both parties are fulfilled.
There are several differences between DPS and compulsory insurance:
- the former is guaranteed by agreement, and the latter by the state;
- in the first case, desire is necessary, and the second is necessary;
- in case of voluntary service, it is possible to choose tariffs and the procedure for payments, and tariffs and the tax base for the general taxation system are established by law;
- with DPS, you can choose your own company, and in the second case, funds are transferred to extra-budgetary funds;
- NPF budget is created from investments and deposits, and in state funds is created thanks to contributions from employers;
- in a voluntary service, the scheme of work is important, and in a compulsory one, tariff and rate.
The state provides compulsory insurance. It is necessary to compensate for the treatment of people, the payment of pensions, benefits. And voluntary is chosen at will, and it can relate only to specific cases. Both services are important, therefore, when you design them, you need to carefully consider all the details.