Construction Workers’ Industrial Injury Insurance Issues Research

Industrial injury insurance as part of the Social Security, it can effectively protect the workers to get economic compensation and material help in accordance with the law after suffering from work-related accidents: injury,illness,disability and death, which is vital to workers’ work and life. It should be sure that achievements the new Industrial Injury Insurance Regulations obtained after promulgated are great, however, there is also some defects that we cannot ignore which lead to the legitimate interests of peasant laborers are aggrieved frequently, such as, difficulty to confirm labor relationship, highly frequency of industrial injury accidents, etc. The third plenary session of eighteen has already made out the plan of deepening the reform of Social Security; industrial injury insurance as an indispensable part of the Social Security is undoubtedly one of the most important issues during this reformation. It is an urgent problem be solved that how to multi-levelly and multi-dimensionally protect the industrial injury insurance rights and interests of peasant laborers groups through legislative means, perfecting the functions of the government and emphasizing corporate responsibility.While driving the regional economic development, the construction industry is also absorbing a large number of peasant laborers. As to the poor working condition and large amount of labor, the construction industry becomes an area that has a larger death toll every year. Furthermore, peasant laborer shares a greater proportion among these fatal occupational injury people. Hence, perfecting the industrial injury insurance means a lot to peasant labors’ work and life, and even has a significant meaning to their life safety.At present, the main problems that exist in the process of the industrial injury insurance protecting construction workers’ rights and interests are low actual join rates, difficulty to determine the labor relationships, complex process of applying industrial injury treatment and the lack of incentive mechanism of the industrial injury insurance system. However, reasons that cause series of problems are not only defects of legislation and construction workers’ personal factors, but also the most important ones, unfulfillment of government functions and corporate evading Social Security obligation. It should begin with perfecting legislation, improving the functions of the government, emphasizing corporate responsibility and other aspects for establishing and perfecting peasant laborers industrial injury insurance system. In the aspect of perfecting legislation, the point is to realize nationally overall plan, and if necessary, we should take developed countries’ industrial injury insurance experience as reference. In the aspect of perfecting government functions, it is not enough to strengthen supervision and establish strict liability mechanism, but the most important thing is to reform the household registration system as soon as possible, as well as to speed up the pace of the construction of the industrial injury prevention mechanism. Corporate compulsive insurance is the requirements of the industrial injury insurance itself.The key point of this paper is that the dual household registration system is the essential cause of construction workers’ issues; governments pay much attention to economic benefits but neglect the construction workers’ rights, which aggravate the degree of infringement. In order to make construction workers enjoy better industrial injury insurance rights and interests, it is quite necessary to strengthen the reform of household registration, return to the functions of the government, and emphasize corporate responsibility. Peasant laborers groups have made undeniable contributions in the process of Chinese urbanization. Peasant laborers’ industrial injury insurance has social and economic significance for protecting the basic rights and interests of peasant laborers, as well as maintaining social stability and economic development. Therefore, it is imperative to perfect the industrial injury insurance.