羅列(lie)四個(ge)常見(jian)的(de)(de)社(she)(she)保(bao)問題以(yi)及(ji)(ji)它們的(de)(de)風險和隱患。很多(duo)常識性(xing)的(de)(de)問題，反倒容易絆(ban)倒我(wo)們！職場中(zhong)常見(jian)的(de)(de)幾個(ge)社(she)(she)保(bao)問題，凡雇傭員(yuan)工(gong)(gong)都要給(gei)員(yuan)工(gong)(gong)買社(she)(she)保(bao)，這(zhe)是(shi)法律要求的(de)(de)，那么企業必須這(zhe)樣做。即使是(shi)這(zhe)樣，因為社(she)(she)保(bao)個(ge)人和企業之間的(de)(de)勞動爭議是(shi)經常發生的(de)(de)。我(wo)來把(ba)常見(jian)的(de)(de)幾種情況列(lie)舉一下，方(fang)便大家在工(gong)(gong)作中(zhong)及(ji)(ji)時去規避，以(yi)免在社(she)(she)保(bao)上(shang)引(yin)起麻煩。
一(yi)(yi)、就(jiu)是(shi)(shi)員(yuan)(yuan)工(gong)(gong)(gong)(gong)入職(zhi)的(de)(de)(de)(de)時候試(shi)用(yong)(yong)(yong)期不(bu)(bu)(bu)(bu)買社(she)(she)(she)保(bao)(bao)(bao)。社(she)(she)(she)會(hui)保(bao)(bao)(bao)障(zhang)包括(kuo)養(yang)老保(bao)(bao)(bao)險(xian)(xian)、醫療、工(gong)(gong)(gong)(gong)商(shang)、失業和生(sheng)(sheng)育保(bao)(bao)(bao)險(xian)(xian)。除(chu)個(ge)人不(bu)(bu)(bu)(bu)需要(yao)(yao)支付(fu)生(sheng)(sheng)育和工(gong)(gong)(gong)(gong)傷險(xian)(xian)外，其他三種保(bao)(bao)(bao)險(xian)(xian)類(lei)型單(dan)位(wei)和個(ge)人是(shi)(shi)按相(xiang)(xiang)(xiang)關(guan)的(de)(de)(de)(de)比例交付(fu)的(de)(de)(de)(de)。一(yi)(yi)般企(qi)業試(shi)用(yong)(yong)(yong)期不(bu)(bu)(bu)(bu)買社(she)(she)(she)保(bao)(bao)(bao)，在轉正(zheng)后(hou)(hou)也(ye)應(ying)(ying)當(dang)給員(yuan)(yuan)工(gong)(gong)(gong)(gong)補(bu)繳(jiao)(jiao)。但是(shi)(shi)在試(shi)用(yong)(yong)(yong)期過程中(zhong)，如果有(you)工(gong)(gong)(gong)(gong)傷等意外情(qing)況(kuang)出現(xian)(xian)，企(qi)業一(yi)(yi)樣是(shi)(shi)要(yao)(yao)負責(ze)任的(de)(de)(de)(de)。因為根據國家(jia)相(xiang)(xiang)(xiang)關(guan)的(de)(de)(de)(de)社(she)(she)(she)會(hui)保(bao)(bao)(bao)障(zhang)規定要(yao)(yao)求(qiu)，用(yong)(yong)(yong)人單(dan)位(wei)應(ying)(ying)當(dang)自(zi)用(yong)(yong)(yong)工(gong)(gong)(gong)(gong)之日起(qi)三十日內(nei)向社(she)(she)(she)會(hui)保(bao)(bao)(bao)障(zhang)局(ju)申(shen)請辦理社(she)(she)(she)會(hui)保(bao)(bao)(bao)障(zhang)登記。如果企(qi)業壓根不(bu)(bu)(bu)(bu)給員(yuan)(yuan)工(gong)(gong)(gong)(gong)買社(she)(she)(she)保(bao)(bao)(bao)，不(bu)(bu)(bu)(bu)管你(ni)法律(lv)怎么要(yao)(yao)求(qiu)，但是(shi)(shi)我(wo)一(yi)(yi)直(zhi)就(jiu)是(shi)(shi)這樣做的(de)(de)(de)(de)，我(wo)不(bu)(bu)(bu)(bu)買，會(hui)出現(xian)(xian)哪些(xie)(xie)問(wen)(wen)題(ti)和風(feng)險(xian)(xian)。比如女員(yuan)(yuan)工(gong)(gong)(gong)(gong)的(de)(de)(de)(de)生(sheng)(sheng)育保(bao)(bao)(bao)險(xian)(xian)問(wen)(wen)題(ti)，一(yi)(yi)些(xie)(xie)小(xiao)的(de)(de)(de)(de)機構(gou)不(bu)(bu)(bu)(bu)給員(yuan)(yuan)工(gong)(gong)(gong)(gong)買，遇到(dao)女員(yuan)(yuan)工(gong)(gong)(gong)(gong)生(sheng)(sheng)育報銷(xiao)問(wen)(wen)題(ti)就(jiu)會(hui)引發矛盾。在員(yuan)(yuan)工(gong)(gong)(gong)(gong)入職(zhi)的(de)(de)(de)(de)時候，甚至要(yao)(yao)求(qiu)員(yuan)(yuan)工(gong)(gong)(gong)(gong)保(bao)(bao)(bao)證三年內(nei)不(bu)(bu)(bu)(bu)生(sheng)(sheng)育，這個(ge)要(yao)(yao)求(qiu)實際(ji)是(shi)(shi)自(zi)己(ji)騙自(zi)己(ji)，最后(hou)(hou)出現(xian)(xian)問(wen)(wen)題(ti)還得補(bu)繳(jiao)(jiao)或者承擔相(xiang)(xiang)(xiang)應(ying)(ying)的(de)(de)(de)(de)責(ze)任。還有(you)一(yi)(yi)個(ge)風(feng)險(xian)(xian)點(dian)就(jiu)是(shi)(shi)醫療和工(gong)(gong)(gong)(gong)傷不(bu)(bu)(bu)(bu)買社(she)(she)(she)保(bao)(bao)(bao)，一(yi)(yi)旦(dan)員(yuan)(yuan)工(gong)(gong)(gong)(gong)生(sheng)(sheng)病或者發生(sheng)(sheng)工(gong)(gong)(gong)(gong)傷，那企(qi)業是(shi)(shi)要(yao)(yao)承擔相(xiang)(xiang)(xiang)應(ying)(ying)責(ze)任的(de)(de)(de)(de)。就(jiu)是(shi)(shi)企(qi)業斷(duan)繳(jiao)(jiao)社(she)(she)(she)保(bao)(bao)(bao)，有(you)一(yi)(yi)些(xie)(xie)企(qi)業因經營(ying)困難社(she)(she)(she)保(bao)(bao)(bao)就(jiu)斷(duan)繳(jiao)(jiao)了，社(she)(she)(she)保(bao)(bao)(bao)斷(duan)繳(jiao)(jiao)后(hou)(hou)員(yuan)(yuan)工(gong)(gong)(gong)(gong)離(li)職(zhi)連社(she)(she)(she)保(bao)(bao)(bao)都轉不(bu)(bu)(bu)(bu)出去。
二(er)、就是勞動合同簽訂后(hou)，企(qi)(qi)業和員(yuan)工約(yue)定(ding)表示自愿(yuan)放(fang)棄(qi)社(she)(she)保(bao)，可以(yi)多(duo)(duo)拿工資。根據勞動法(fa)的規(gui)定(ding)，用(yong)人單位和勞動者必須依法(fa)參加社(she)(she)會(hui)保(bao)險，繳(jiao)納社(she)(she)會(hui)保(bao)險費。企(qi)(qi)業相關規(gui)定(ding)和制度不(bu)能夠違反國家法(fa)律的，所以(yi)雙方(fang)約(yue)定(ding)放(fang)棄(qi)社(she)(she)保(bao)或者用(yong)現金形式發放(fang)不(bu)交社(she)(she)保(bao)的情況都存在(zai)著巨大(da)的隱(yin)患。從員(yuan)工長(chang)遠利(li)益來講也是巨大(da)的損害，過(guo)去有很多(duo)(duo)物業的保(bao)潔和保(bao)安人員(yuan)在(zai)這(zhe)個企(qi)(qi)業工作(zuo)十幾年二(er)十年也從來沒有買(mai)過(guo)社(she)(she)保(bao)，現在(zai)他要退休了(le)，想起(qi)來去要企(qi)(qi)業做賠償和補繳(jiao)，這(zhe)種情況很多(duo)(duo)。所以(yi)短期(qi)利(li)益和長(chang)遠的利(li)益，另一方(fang)也都一樣不(bu)會(hui)好過(guo)的。
三、就是(shi)退(tui)休人員的(de)社(she)保(bao)和退(tui)休再就業(ye)(ye)人員可(ke)報工(gong)(gong)傷。現在企業(ye)(ye)招人難，招聘實(shi)習工(gong)(gong)、小時工(gong)(gong)、非全日(ri)制(zhi)用工(gong)(gong)以及退(tui)休和再就業(ye)(ye)人員是(shi)非常常見了，企業(ye)(ye)可(ke)以單獨為這些特定人員購買(mai)工(gong)(gong)傷保(bao)險，以規避可(ke)能出險的(de)風(feng)險。
四、就(jiu)是換(huan)工(gong)(gong)(gong)作(zuo)期間的(de)(de)社(she)保(bao)(bao)的(de)(de)對接。員(yuan)(yuan)工(gong)(gong)(gong)跳槽或(huo)者(zhe)更換(huan)工(gong)(gong)(gong)作(zuo)，社(she)保(bao)(bao)的(de)(de)轉移和(he)對接是由上一(yi)(yi)家單位(wei)和(he)新入職單位(wei)雙方協(xie)作(zuo)完成的(de)(de)。從上家公司(si)離職時(shi)應轉出(chu)社(she)保(bao)(bao)給新入職的(de)(de)公司(si)，但是因為(wei)(wei)個(ge)人(ren)的(de)(de)原(yuan)因無法(fa)轉出(chu)的(de)(de)情況，企業人(ren)資一(yi)(yi)定要和(he)員(yuan)(yuan)工(gong)(gong)(gong)達成共識，并催促(cu)他(ta)及(ji)(ji)時(shi)處理前面的(de)(de)問題(ti)及(ji)(ji)時(shi)轉入。因為(wei)(wei)人(ren)員(yuan)(yuan)的(de)(de)復雜性和(he)因員(yuan)(yuan)工(gong)(gong)(gong)自(zi)身(shen)原(yuan)因無法(fa)轉入，且人(ren)字要及(ji)(ji)時(shi)讓員(yuan)(yuan)工(gong)(gong)(gong)寫一(yi)(yi)份文(wen)件說明因自(zi)身(shen)的(de)(de)具體(ti)原(yuan)因，同時(shi)督促(cu)員(yuan)(yuan)工(gong)(gong)(gong)盡早轉入，以(yi)免(mian)節外生枝。
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