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Q：
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Who should participate in work-related injury insurance?
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A：
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Employees should participate in work-related injury insurance. The employer shall pay the work-related injury insurance premium, and employees do not pay the work-related injury insurance premium.
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Q：
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How are the rates for work-related injury insurance stipulated?
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A：
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The state determines the differential rates for different industries based on the degree of work-related injury risks, and sets the rate brackets within each industry according to the use of work-related injury insurance funds, the incidence of work-related injuries, and other circumstances. The industry-specific differential rates and the rate brackets within the industry shall be formulated by the social insurance administrative department of The State Council, and shall be promulgated and implemented after being approved by The State Council.
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Q：
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What are the conditions for enjoying work-related injury insurance benefits?
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A：
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Employees who suffer from work-related accidents or contract occupational diseases due to work reasons and are recognized as having suffered work-related injuries shall enjoy work-related injury insurance benefits. Among them, those who have lost their ability to work through labor capacity assessment shall enjoy disability benefits. Work-related injury determination and labor capacity assessment should be simple and convenient.
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Q：
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Under what circumstances will an employee's injury or death at work not be recognized as a work-related injury?
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A：
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Intentional crime;
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Being drunk or taking drugs;
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Self-harm or suicide;
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Other circumstances as prescribed by laws and administrative regulations.
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Q：
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Which expenses incurred due to work-related injuries shall be paid by the employer in accordance with national regulations?
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A：
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Wages and benefits during the period of treatment for work-related injuries;
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Monthly disability allowances received by employees with grade five or six disabilities;
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A one-time employment disability allowance that should be enjoyed when the labor contract is terminated or dissolved.
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FAQ
