Research On Risk Prevention And Control Of Work-related Injury Insurance Handling And Management

In recent years,a large number of migrant workers have entered manufacturing,construction and other industries with low barriers.The incidence of work-related injuries continue to increase.The work injury insurance agency has undertaken more work tasks than ever before.Fund of industrial injury insurance is used to pay industrial injury insurance treatment itself is beyond reproach,but it exist risk in actual implementation.According to the provisions of the social insurance law: employees should take part in work-related injury insurance,and the employer should pay the work-related injury insurance premium.After the establishment of labor relations with the workers,the enterprise shall,within 30 days,handle insurance and payment(including work injury insurance)for the workers.Only by paying the work-related injury insurance premium,can the workers get the corresponding compensation and handle the medical expense reimbursement after the work-related injury accident.After some enterprises establish labor relations with workers,they do not normally pay for them.Until the industrial accident occurs,in order to reduce the liability of compensation,the enterprises immediately handle the insurance procedures for workers,so as to get the compensation paid by the industrial injury insurance fund.That is,work-related injury occurs first,and then insurance payment.This "fraudulent insurance" behavior undoubtedly leads to the loss of work-related injury insurance fund,at the same time,it also damages the fair effect of social insurance and the credibility of the government.First,this paper introduces the content of the management of industrial injury insurance,and introduces the procedure of applying for industrial injury insurance treatment from industrial injury identification,labor ability identification to the examination and payment of the management organization.Then,based on the analysis of the background and current situation of "injury before insurance",the paper analyzes the influence of "injury before insurance" on the result of payment.Then,the paper briefly expounds the risk prevention and control means adopted at the present stage of the risk point of "injury before insurance".At present,in the case of "injury before insurance",we can't use the "one-size-fits-all" method to deal with it.We need to classify the cases and then make a conclusion of the payment,greatly increased the pressure of the agency's audit payment.Therefore,this paper hopes to reduce the occurrence of this situation by probing into the causes of "injury before insurance",and putting forward targeted solutions.Furthermore,through the risk point of "injury before insurance" in the management of industrial injury insurance,this paper sorts out the risk prevention and control loopholes in the current management,and put forward the corresponding suggestion and measure through the research analysis.In the fourth chapter,this paper through to manage the organization partial case analysis,we found many risk prevention and control loopholes in the management of Industrial Injury Insurance,such as unsound laws and regulations,scattered check-up links,inadequate supervision of insurance premiums,imperfect audit mechanism,rigid audit by managers and so on.In the fifth chapter,this paper puts forward the corresponding suggestions and measures for risk management of industrial injury insurance through the establishment of a systematic mechanism for risk prevention and control.First of all,we should start from the legislative level,improve the establishment of corresponding laws and regulations,so that there is evidence to be found.Secondly,in view of the weak willingness of units and workers to participate in the insurance,we should timely reduce the social insurance rate,strengthen policy protection,publicity and education,and guide and standardize the participation and payment.The third is to explore the establishment of "daily settlement" service mode,optimize the process of handling management,and improve service efficiency.The last and most important thing is to build a systematic mechanism to stop the leak and check the fake.Through the way of integrating the handling resources within the organization,we can get through the ring road of checking and blocking,and realize the effective connection within the organization.Enhance the risk awareness and administration awareness of staff by strengthening the level of handling according to law.We need to improve the audit mechanism,establish and improve the cross departmental liaison mechanism and judicial transfer mechanism.By strengthening the information management and control ability,the management and control mode of "system + technology" will be formed,and the risk prevention ability will be improved.