Although it is a great joy for the family to be pregnant with a baby, there are only a lot more things to pay attention to after pregnancy. For example, pregnant mothers should pay attention to nutrients when eating and drinking, have prenatal checkups on time, and sometimes face the risk of unemployment at work.
So, what should I do if the pregnant mother is unemployed after the confirmation of childbirth medical treatment? Will it affect the maternity treatment? With these questions, let's understand it clearly~
Does unemployment affect maternity benefits?
After Ms. Yu joined a unit in Guangzhou a few years ago, she began to participate in employee social security normally. Unexpectedly, the company was about to declare bankruptcy due to poor earnings and heavy debts, and sent a notice of dismissal of employees last week. However, Ms. Yu, who has been pregnant for several months, just went to the medical confirmation for childbirth last month, and now that she is unemployed, will it affect her future maternity benefits?
According to the relevant regulations, although you do not need to pay your own medical insurance premiums after losing your job, you can continue to enjoy the overall reimbursement of medical insurance, but there is no maternity allowance.
If Ms. Yu has not re-entered the new unit after the expiration of the period of receiving unemployment benefits, she can guarantee her maternity benefits according to the actual situation. The specific situation is as follows:
1. Use your spouse's maternity insurance
According to the requirements of the Provisions on Maternity Insurance for Employees of Guangdong Province, if the employer has paid the premiums on time and in full, the unemployed spouse of the employee shall be entitled to maternity medical expenses in accordance with the regulations from the month following the payment, but shall not be entitled to the maternity allowance.
Warm reminder: If the employer stops paying contributions, that is, Ms. Yu's husband resigns or stops paying social insurance, Ms. Yu will stop enjoying the corresponding benefits from the following month. Therefore, don't cut off social security payments easily!
2. Participate in medical insurance as a flexible employee
If Ms. Yu and her husband are not covered by medical insurance (including maternity insurance), then Ms. Yu can participate in Guangzhou's employee medical insurance or urban and rural residents' medical insurance as flexible employees. After that, you can enjoy the maternity medical treatment in Guangzhou, but you can't enjoy the maternity allowance!
Do I need to reconfirm my medical appointment?
Returning to the above question, after Ms. Yu loses her job, does she need to re-apply for confirmation of maternity medical treatment?
(1) If Ms. Yu does not find a new job after becoming unemployed and starts to use her husband's maternity insurance, that is, she has changed from the status of an unemployed person to the unemployed spouse of an insured male employee, she must go through the confirmation procedures for medical treatment of maternity insurance again before she can enjoy the corresponding maternity medical expenses.
(2) If Ms. Yu finds a new job and changes her insurance status from an unemployed person to an employee's insurance status, even if she changes the insurance unit, she does not need to re-apply for the confirmation of maternity medical treatment, and can continue to seek medical treatment in the original selected medical institution, and she can start to enjoy the prenatal examination treatment from the next month after the payment!
Pregnant mothers must maintain their maternity insurance benefits!
If you want to know more about social security, retirement and other knowledge, welcome to pay attention!