The Social Insurance Fund is an organization that is obliged to regulate the legal relations of the state and the citizen, which for some reason is inoperative.
The concept and features of the FSS
Compulsory insurance is often carried out at enterprises, especially where there is an increased risk of injury. There may be several reasons for paying benefits: illness, disability, pregnancy, and childbirth. Naturally, in each case, its own size of payments is determined, as well as the time period for their receipt. The organization’s budget is formed by the state on the basis of the funds at its disposal.
There are many nuances that the FSS must consider. For example, it is necessary to correctly calculate payments, determine the source of finance to the fund, consider all individual cases that do not allow paying assistance to the insured person.
The structure and features of FSS management
All activities of the FSS are regulated by the Constitution of the state, the relevant legislative framework, as well as presidential decrees and government decrees. A fund is a financial institution, all property, as well as cash of which is the property of the Russian Federation.
There are various bodies to manage the organization represented:
- regional branches that are responsible for those finances that are distributed on the territory of a state subject;
- central branch administrations;
- branch offices in cities and towns.
The most important leader is the chairman of the FSS. It is he who stands at the head of the Central Administration. The funds are managed by the chief accountant of the organization. To control the activities of the Fund, trade unions and social insurance commissions are created.
What cases are considered insurance, and what types of insurance coverage exist?
What is FSS, you already partially understood. Now it is necessary to understand in what cases the payment of assistance is supposed. So, it is assigned in case of:
- death of the insured person or any of his family;
- loss of working capacity as a result of pregnancy and childbirth, trauma or as a result of other cases stipulated by the contract;
- care for a baby under the age of one and a half years.
In addition, there are several types of insurance coverage. For example, lump-sum and monthly payments for child care; one-time help for burial, as well as assistance to people who have temporarily lost their ability to work due to injury or illness. However, funds are not credited to the personal account of the insured person.
The main goals and objectives of the Fund
What is the FSS is understandable, and now we’ll figure out what this organization actually does. So, the main objectives of the Fund are:
- establishing cooperation with similar organizations both within the state and beyond;
- Active participation in all state programs that ensure the protection and preservation of public health;
- providing support to citizens who need rehabilitation, rehabilitation or treatment;
- implementation of all necessary measures that maintain the reliability and financial stability of the organization;
- joint (Fund and Ministry of Labor) development of tariffs for contributions that insurance objects must pay;
- improving the professional level of the staff of the organization.
The Social Insurance Fund (FSS) is obliged to control all insurance payments provided by the state.
What categories of citizens should definitely participate in the program?
There are several groups of persons who must be insured:
1. Municipal and public servants.
2. Persons who hold important public office.
3. Women who may lose the opportunity to work due to motherhood.
4. Ministers of the church.
5. Private entrepreneurs, legal professionals, notaries.
Features and sources of financial content of the Fund
What is FSS, we found out. Now let's figure out where the money comes from the Fund, which are paid to these categories of citizens. It should be noted that the FSS budget is fixed by a special law. In order for the FSS to be able to pay assistance, it must have certain sources of income, which include:
- single social tax;
- income that comes from the payment of other types of duties.
In addition, the FSS have non-tax sources of profit:
- periodic deductions from the federal budget, which are transferred to the Social Insurance Fund;
- financial profit received by the organization from the placement of cash, which is not yet involved;
- civil voluntary insurance premiums;
- fines, penalties, sanctions, arrears and other amounts of money that go to the Fund’s budget as a result of compensation for harm or damage;
- other supply.
Naturally, all the finances of the represented organization should be distributed so that they are fully enough for all payments over a long period of time. Moreover, the budget should not have excess funds.
In order to get help, you must be a member of the FSS. The form to fill out is provided at the Fund. The size and procedure for paying contributions is also regulated by applicable law. For assistance, you must contact the appropriate territorial authority with a statement. As for the size of the contribution, it depends on the tariff established by the state, and is also calculated taking into account the minimum wage. The contribution is paid immediately for the whole year. This procedure should be done before December 31 of the current year.
There are several ways to pay a fee: cash and bank transfer, as well as postal order. All financial activities of the Fund are subject to strict reporting.
What is the FSS and how does the organization presented do you already know. Now you can decide whether you fall into the group of people who need compulsory insurance.