已经进行失业登记，并有求职要求的。 领取失业保险金的期限，根据其失业前所在单位和本人，按规定累计缴纳失业保险费的年限计算。 齐鲁晚报.齐鲁壹点连宁燕 今年9月，山东省人民政府公布全省最低工资标准，威海市最低工资标准调整为每人每月 2400元。根据失业保险金标准与最低工资挂钩联动机制规定，自2025年10月1日起，威海市失业保险金 标准调整为最低工资标准的90%，即每人每月2160。 按照社会保险法的要求，符合以下条件的失业人员，可以申领失业保险金。 失业前用人单位和本人已经缴纳失业保险费满一年； 非因本人意愿中断就业； 累计缴费时间满1年不满5年的，领取失业保险金的期限最长为12个月； 累计缴费时间满5年不满10年的,领取失业保险金的期限最长为18个月； 累计缴费时间满10年以上的，领取失业保险金的期限最长为24个月。 重新就业后再次失业的，缴费时间重新计算，领取失业保险金的期限应当与前次失业尚未领取的失业保 险金的期限合并计算，但最长不得超过24个月。 ...

四川省什邡市政务服务中心办事大厅，临近中午，不少市民正在办理事项、咨询政策。 "这是失业保险金的申领要求，线上线下办理都方便。工作变动要及时报告……"窗口工作人员胡红珊对 照政策耐心讲解。此前出现的失业保险金冒领问题，让她一遍遍提醒自己，必须把保险金发到真正需要 的人手里。 此前，四川省人社部门系统筛查中发现异常：什邡市有社区干部在职期间领取失业保险金。顺着线索， 什邡市纪委监委迅速展开调查。 调查发现，什邡市雍城街道一名社区干部杨某某从某公司离职后曾申领失业保险金，后来其当选为社区 干部每月领取固定工资。但杨某某并未如实报告就业情况，违规领取失业保险金长达17个月，共计2.77 万元。 该案并不复杂，却引起了什邡市纪委监委的重视。"基层干部既拿财政补助，又领失业保险金，'两头 占'就是违规之举。"什邡市监委委员赖磊说。 什邡市纪委监委联合市人力资源和社会保障局、市委组织部等组建工作专班，对村（社区）干部违规领 取失业保险金等社会救助领域突出问题展开专项排查。专班调取2014年以来什邡市村（社区）干部的任 职信息，与同时段失业保险金领取人员信息进行比对，可疑人员浮出水面。实地走访跟进后，专班很快 确认43个村 ...

Group 1 - The core viewpoint of the news is the progress in social security reforms and the expansion of coverage for new employment forms, highlighting the significant growth in pension fund management and the implementation of various protective measures for workers [1][3][4] Group 2 - As of June 30, the scale of pension fund investment operation reached 2.55 trillion yuan, indicating a stable management of social security funds [1][4] - The pilot program for occupational injury protection for new employment forms has seen positive results, with 12.34 million insured individuals, reflecting the effectiveness of the program in safeguarding against major accidents [3] - The Ministry of Human Resources and Social Security (MoHRSS) is advancing the national coordination of basic pension insurance and the gradual implementation of delayed retirement age reforms [3][4] - The number of social security card holders reached 1.39 billion, covering 98.9% of the population, with 1.097 billion electronic social security cards issued, covering 77.9% of the population [4] - The MoHRSS is focusing on enhancing fund supervision and management, including measures to combat fraud and improve the regulatory framework for pension fund operations [4]

Core Viewpoint - The article discusses the current state of China's unemployment insurance system and how it can be improved to better support unemployed individuals through a closed-loop system of "ensuring livelihood, promoting training, and assisting employment" [1] Group 1: Current State of Unemployment Insurance System - The unemployment insurance fund primarily consists of insurance premiums and plays a significant role in counter-cyclical adjustment, with expenditures increasing by 22.4% year-on-year in the first quarter of 2024 [2][9] - The fund's income is mainly derived from unemployment insurance premiums, with 89.5% of income from 2018 to 2023 coming from employer and employee contributions [2][18] - Expenditures focus on basic living guarantees for unemployed individuals, such as unemployment benefits and medical insurance fee payments, which accounted for 32% and 8% of total expenditures from 2018 to 2023, respectively [2][24] Group 2: Challenges Faced by the Unemployment Insurance System - The coverage rate of unemployment insurance in China exceeded 50% in 2023, but the coverage for key groups such as migrant workers remains significantly low, with only 19% of new flexible employment positions covered by social insurance [4][33] - The beneficiary rate of unemployment insurance has been below 5% overall, with only 3% in 2023, indicating that less than 15% of the unemployed population benefits from the insurance [4][39] - Some regions face significant pressure on the balance of unemployment insurance funds, with 9 regions having a sustainability period of less than 24 months in 2023 [5][48] Group 3: International Experience in Unemployment Insurance Policies - International unemployment insurance systems can be categorized into four types: mandatory unemployment insurance, non-mandatory unemployment insurance, unemployment relief, and dual unemployment insurance systems [6][74] - Germany's dual unemployment insurance mechanism combines unemployment insurance and unemployment relief, covering over 90% of the workforce, while Japan also has a dual system with substantial fiscal support for unemployment policies [7][65] - The U.S. system features a federal-state dual structure with flexible tax rates based on employers' historical layoff records, incentivizing job stability [7][71] Group 4: Recommendations for Improvement - To enhance the effectiveness of the unemployment insurance system, it is recommended to expand coverage, especially for new employment forms, and to improve the beneficiary rate by optimizing application conditions [7][75] - Implementing a model of "experience-rated" premiums could allow for localized adjustments, increasing policy flexibility [7][75] - Gradually establishing a dual system of "basic insurance + unemployment relief" could provide better financial support for long-term unemployed individuals [7][75]

Core Viewpoint - The article discusses the current state of China's unemployment insurance system and how it can be improved to effectively support the unemployed through a closed-loop system of "ensuring livelihood, promoting training, and assisting employment" [1] Group 1: Current State of Unemployment Insurance System - The unemployment insurance fund primarily consists of insurance premiums and plays a significant role in counter-cyclical adjustment, with expenditures increasing by 22.4% year-on-year in the first quarter of 2024 [2][9] - The fund's income is mainly derived from unemployment insurance premiums, with 89.5% of income from 2018 to 2023 coming from employer and employee contributions [2][18] - Expenditures focus on basic living security for the unemployed, with unemployment insurance benefits and medical insurance fee payments accounting for 32% and 8% of total expenditures from 2018 to 2023, respectively [2][24] Group 2: Challenges Facing the Unemployment Insurance System - The coverage rate of unemployment insurance exceeded 50% in 2023, but the coverage for key groups such as migrant workers remains significantly low, with only 19% of new flexible employment positions covered by social insurance [4][33] - The beneficiary rate of unemployment insurance has been below 5% overall, with only 3% in 2023, indicating that less than 15% of the unemployed population benefits from the insurance [4][39] - Some regions face significant pressure on the balance of unemployment insurance funds, with 9 regions having a sustainability period of less than 24 months in 2023 [5][48] Group 3: International Experience in Unemployment Insurance - International unemployment insurance systems can be categorized into four types: mandatory unemployment insurance, non-mandatory unemployment insurance, unemployment relief, and dual unemployment insurance systems [6][54] - Germany's dual unemployment insurance mechanism combines unemployment insurance and unemployment relief, covering over 90% of the workforce, while Japan also has a robust dual system with significant fiscal support for unemployment policies [7][58] - The U.S. system features a federal-state dual structure with flexible experience-rated tax adjustments, incentivizing employers to maintain stable employment [7][71] Group 4: Recommendations for Improvement - To enhance the effectiveness of the unemployment insurance system, it is recommended to expand coverage, especially for new employment forms, and to improve the beneficiary rate by optimizing application conditions [7][75] - Implementing an "experience-rated" model could provide local governments with the flexibility to adjust policies based on regional conditions [7][75] - Gradually establishing a dual system of "basic insurance + unemployment relief" could alleviate funding pressures and ensure basic living standards for long-term unemployed individuals [7][75]