Mang thai mới đóng BHXH thì có được hưởng chế độ thai sản?

Tôi đang mang thai 3 tháng, tôi dự sinh vào tháng 5/2016, nay là tháng 11/2015 tôi mới đóng BHXH thì đến khi sinh tôi có được hưởng chế độ thai sản không?

Căn cứ theo quy định tại khoản 2 Điều 31 Luật bảo hiểm xã hội năm 2014:

“Điều 31. Điều kiện hưởng chế độ thai sản

1. Người lao động được hưởng chế độ thai sản khi thuộc một trong các trường hợp sau đây:

b) Lao động nữ sinh con;

2. Người lao động quy định tại các điểm b, c và d khoản 1 Điều này phải đóng bảo hiểm xã hội từ đủ 06 tháng trở lên trong thời gian 12 tháng trước khi sinh con hoặc nhận nuôi con nuôi.”

Vì vậy, điều kiện hưởng chế độ thai sản khi sinh con là phải tham gia BHXH từ đủ 6 tháng trong vòng 12 tháng trước khi sinh. Như vậy không quan trọng thời điểm bạn tham gia bảo hiểm từ bao giờ, được bao lâu miễn đáp ứng đủ điều kiện trên là được.

Trong trường hợp này nếu bạn bắt đầu đóng BHXH từ tháng 11/2015 thì đến hết tháng 4/2016 bạn đã có đủ 06 tháng đóng BHXH trong thời gian 12 tháng trước khi sinh. Khi đó, mức hưởng chế độ thai sản căn cứ theo quy định tại điểm a khoản 1 Điều 39 Luật bảo hiểm xã hội năm 2014:

“a) Mức hưởng một tháng bằng 100% mức bình quân tiền lương tháng đóng bảo hiểm xã hội của 06 tháng trước khi nghỉ việc hưởng chế độ thai sản. Trường hợp người lao động đóng bảo hiểm xã hội chưa đủ 06 tháng thì mức hưởng chế độ thai sản theo quy định tại Điều 32, Điều 33, các khoản 2, 4, 5 và 6 Điều 34, Điều 37 của Luật này là mức bình quân tiền lương tháng của các tháng đã đóng bảo hiểm xã hội”.

Như vậy, bạn sẽ được hưởng chế độ thai sản với mức hưởng một tháng bằng 100% mức bình quân tiền lương tháng đóng BHXH của 06 trước khi nghỉ việc hưởng chế độ thai sản.

Bên cạnh đó bạn còn được nhận trợ cấp một lần khi sinh con theo quy định tại Điều 38 Luật bảo hiểm xã hội 2014, cụ thể:

Lao động nữ sinh con hoặc người lao động nhận nuôi con nuôi dưới 06 tháng tuổi thì được trợ cấp một lần cho mỗi con bằng 02 lần mức lương cơ sở tại tháng lao động nữ sinh con hoặc tháng người lao động nhận nuôi con nuôi.

Với mức lương cơ sở hiện nay là 1.150.000 đồng sẽ tương đương với:        2 x 1.150.000 = 2.300.000 đồng

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