产假工资谁出的？
<p style="margin-bottom: 0px;outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);">党中央、国务院高度重视人口发展问题。党的二十大报告明确要求建立生育支持政策体系，降低生育、养育、教育成本。对于职场妈妈来说，生育后享受带薪产假，是非常重要的保障。<strong style="outline: 0px;">参保女职工生育后可享受产假，这期间的工资由发放生育津贴代替，这笔钱来自于“五险一金”的医疗（生育）保险基金。</strong></p><p style="margin-bottom: 0px;outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);text-align: center;"><br style="outline: 0px;"/></p><p><section style="margin-bottom: unset;outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><section data-id="150219" data-type="lspecial02,lspecial04" powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;text-align: center;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;display: inline-block;vertical-align: middle;"><section powered-by="xmyeditor.com" data-md5="23522" style="padding-bottom: 10px;outline: 0px;display: flex;flex-direction: column-reverse;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;background-color: rgb(149, 202, 255);border-radius: 7px;transform: translate(5px, 5px);"><section powered-by="xmyeditor.com" data-md5="23522" style="padding: 3px;outline: 0px;border-width: 1px;border-style: solid;border-color: rgb(94, 170, 254);border-radius: 7px;background-color: rgb(255, 255, 255);transform: translate(-5px, -5px);"><section powered-by="xmyeditor.com" data-md5="23522" style="margin-bottom: -5px;padding: 3px 15px;outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;color: rgb(0, 0, 0);letter-spacing: 1px;line-height: 26px;text-align: left;font-size: 16px;font-weight: bold;"><p data-md5="23522" style="outline: 0px;"><span style="outline: 0px;font-size: 17px;"><strong style="outline: 0px;"><span style="outline: 0px;font-size: var(--articleFontsize);letter-spacing: 0.034em;">从头说起：医保支付生育津贴这件事是怎么来的？</span></strong></span></p></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;display: flex;justify-content: flex-end;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;width: 6px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;width: 6px;height: 6px;border-radius: 50%;background-color: rgb(103, 179, 255);"><br style="outline: 0px;"/></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-left: 3px;outline: 0px;width: 6px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;width: 6px;height: 6px;border-radius: 50%;background-color: rgb(103, 179, 255);"><br style="outline: 0px;"/></section></section></section></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-bottom: -12px;margin-left: 10px;outline: 0px;display: flex;justify-content: center;width: fit-content;transform: translate(0px, 0px);"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="margin-bottom: 2px;outline: 0px;width: 5px;height: 9px;background-color: rgb(44, 139, 255);"><br style="outline: 0px;"/></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-right: auto;margin-left: auto;outline: 0px;width: 3px;height: 3px;border-radius: 50%;border-width: 1px;border-style: solid;border-color: rgb(42, 142, 255);"><br style="outline: 0px;"/></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-left: 3px;outline: 0px;width: 4px;height: 7px;border-width: 1px;border-style: solid;border-color: rgb(44, 139, 255);"><br style="outline: 0px;"/></section></section></section></section></section></section><section style="outline: 0px;"><p style="outline: 0px;text-align: center;"><br style="outline: 0px;"/></p></section></section></p><p style="margin-bottom: 0px;outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><span style="outline: 0px;font-size: var(--articleFontsize);letter-spacing: 0.034em;">生育保险的生育津贴待遇，就是产假工资，是对职业女性因生育休产假离开工作岗位期间，给予的生活费用，是工资收入的替代。参保女职工在分娩和产假期间部分或全部不能参加劳动，收入难以保障，由用人单位支付工资又将加重成本甚至影响女性就业，因此国家通过建立生育保险制度，为生育的参保女职工发放生育津贴，保障其因生育暂时丧失劳动能力时的基本经济收入，帮助其重返工作岗位，也使婴儿得到必要的照顾和哺育，是国家“实打实”的政策支持和“金贵”待遇。</span></p><p style="margin-bottom: 0px;outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><span style="outline: 0px;font-size: var(--articleFontsize);letter-spacing: 0.034em;"><br style="outline: 0px;"/></span></p><p><section style="outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);">我国现行生育保险制度建立于1994年，在此之前产假工资成本由用人单位自行负担。1988年国务院制定《女职工劳动保护规定》提出“不得在女职工怀孕期、产期、哺乳期降低其基本工资，或者解除劳动合同”。但随着经济体制改革的不断深化和劳动用工制度的改革，一些问题也随之凸显：一是企业成为自负盈亏的生产经营主体，为控制用工成本不愿意招录女性，造成女性就业困难；二是由于行业分工不同，部分行业企业女职工占到职工总数的60-70%，生育成本负担在单位之间畸轻畸重；三是一些经营状况欠佳的单位无力保障本单位女职工生育期间的工资待遇，女职工合法权益无从保障。为适应经济社会发展，更好保障女性平等就业权，均衡单位间的生育成本，确保女职工生育权益，国家建立生育保险制度，由医疗（生育）保险基金支付参保女职工产假期间的生育津贴，报销住院分娩和产前检查等生育医疗费用。2019年起，各地全面实现了生育保险和职工基本医保的合并实施，参加职工医保的参保人同步参加生育保险，生育保险参保率持续提升，2023年生育保险参保人数达到2.49亿人。<o:p style="outline: 0px;"></o:p></section><section style="outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><br/></section><section style="margin-bottom: unset;outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><section data-id="150219" data-type="lspecial02,lspecial04" powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;display: inline-block;vertical-align: middle;"><section powered-by="xmyeditor.com" data-md5="23522" style="padding-bottom: 10px;outline: 0px;display: flex;flex-direction: column-reverse;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;background-color: rgb(149, 202, 255);border-radius: 7px;transform: translate(5px, 5px);"><section powered-by="xmyeditor.com" data-md5="23522" style="padding: 3px;outline: 0px;border-width: 1px;border-style: solid;border-color: rgb(94, 170, 254);border-radius: 7px;background-color: rgb(255, 255, 255);transform: translate(-5px, -5px);"><section powered-by="xmyeditor.com" data-md5="23522" style="margin-bottom: -5px;padding: 3px 15px;outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;color: rgb(0, 0, 0);letter-spacing: 1px;line-height: 26px;text-align: left;font-size: 16px;"><p data-md5="23522" style="outline: 0px;"><span style="outline: 0px;font-size: 17px;"><strong style="outline: 0px;"><span style="outline: 0px;font-size: var(--articleFontsize);letter-spacing: 0.034em;">津贴发多少：按照职工所在用人单位上年度月平均工资计发，生育女职工人均发放2.4万元</span></strong></span></p></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;display: flex;justify-content: flex-end;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;width: 6px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;width: 6px;height: 6px;border-radius: 50%;background-color: rgb(103, 179, 255);"><br style="outline: 0px;"/></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-left: 3px;outline: 0px;width: 6px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;width: 6px;height: 6px;border-radius: 50%;background-color: rgb(103, 179, 255);"><br style="outline: 0px;"/></section></section></section></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-bottom: -12px;margin-left: 10px;outline: 0px;display: flex;justify-content: center;width: fit-content;transform: translate(0px, 0px);"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="margin-bottom: 2px;outline: 0px;width: 5px;height: 9px;background-color: rgb(44, 139, 255);"><br style="outline: 0px;"/></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-right: auto;margin-left: auto;outline: 0px;width: 3px;height: 3px;border-radius: 50%;border-width: 1px;border-style: solid;border-color: rgb(42, 142, 255);"><br style="outline: 0px;"/></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-left: 3px;outline: 0px;width: 4px;height: 7px;border-width: 1px;border-style: solid;border-color: rgb(44, 139, 255);"><br style="outline: 0px;"/></section></section></section></section></section></section><section style="outline: 0px;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section><section style="outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);">生育津贴是怎么计算的？社会保险法里面有明确规定，按照职工所在用人单位上年度职工月平均工资计发。举个例子，假如参保女职工小王本人工资每月3500元，但其单位上年度职工月平均工资（实践中就是参加社会保险的缴费工资水平）为5000元，那么小王的生育津贴将按照单位月平均工资5000元发放。总体来说，生育女职工相较于整体的单位就业群体而言年龄偏小，入职年限较短，一般其所在单位平均工资高于本人工资，女职工得到的生育津贴往往高于其本人工资。单位平均工资越高，生育的参保女职工领到的生育津贴则越高。2023年生育保险基金共支出1069亿元，参保女职工人均生育津贴达2.4万元。生育女职工还得到一个“大红包”，按照国家有关税收政策，生育津贴免征个人所得税！<o:p style="outline: 0px;"></o:p></section><section style="outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><br/></section><section style="margin-bottom: unset;outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><section data-id="150219" data-type="lspecial02,lspecial04" powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;text-align: center;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;display: inline-block;vertical-align: middle;"><section powered-by="xmyeditor.com" data-md5="23522" style="padding-bottom: 10px;outline: 0px;display: flex;flex-direction: column-reverse;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;background-color: rgb(149, 202, 255);border-radius: 7px;transform: translate(5px, 5px);"><section powered-by="xmyeditor.com" data-md5="23522" style="padding: 3px;outline: 0px;border-width: 1px;border-style: solid;border-color: rgb(94, 170, 254);border-radius: 7px;background-color: rgb(255, 255, 255);transform: translate(-5px, -5px);"><section powered-by="xmyeditor.com" data-md5="23522" style="margin-bottom: -5px;padding: 3px 15px;outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;color: rgb(0, 0, 0);letter-spacing: 1px;line-height: 26px;text-align: left;font-size: 16px;"><p data-md5="23522" style="outline: 0px;"><span style="outline: 0px;font-size: 17px;"><strong style="outline: 0px;"><span style="outline: 0px;font-size: var(--articleFontsize);letter-spacing: 0.034em;">为什么产假工资很多是单位发放而不是从医保领取呢？</span></strong></span></p></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;display: flex;justify-content: flex-end;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;width: 6px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;width: 6px;height: 6px;border-radius: 50%;background-color: rgb(103, 179, 255);"><br style="outline: 0px;"/></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-left: 3px;outline: 0px;width: 6px;"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;width: 6px;height: 6px;border-radius: 50%;background-color: rgb(103, 179, 255);"><br style="outline: 0px;"/></section></section></section></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-bottom: -12px;margin-left: 10px;outline: 0px;display: flex;justify-content: center;width: fit-content;transform: translate(0px, 0px);"><section powered-by="xmyeditor.com" data-md5="23522" style="outline: 0px;"><section powered-by="xmyeditor.com" data-md5="23522" style="margin-bottom: 2px;outline: 0px;width: 5px;height: 9px;background-color: rgb(44, 139, 255);"><br style="outline: 0px;"/></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-right: auto;margin-left: auto;outline: 0px;width: 3px;height: 3px;border-radius: 50%;border-width: 1px;border-style: solid;border-color: rgb(42, 142, 255);"><br style="outline: 0px;"/></section></section><section powered-by="xmyeditor.com" data-md5="23522" style="margin-left: 3px;outline: 0px;width: 4px;height: 7px;border-width: 1px;border-style: solid;border-color: rgb(44, 139, 255);"><br style="outline: 0px;"/></section></section></section></section></section></section><section style="outline: 0px;"><p style="outline: 0px;"><br style="outline: 0px;"/></p></section></section><section style="outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);">根据规定，女职工产假期间的生育津贴，已经参加生育保险的由生育保险基金直接支付。而在实践中，生育津贴一般由医保经办机构发放给用人单位，再由用人单位支付给个人，也有部分地区直接发放给个人。所以，一直到现在，绝大多数人都不知道产假工资是医疗（生育）保险基金出的，都以为全是企业给的。近年来，国家明确要求各地全面落实“申办材料最少、办事流程最简、办理时限最短、服务质量最优”“四最”要求。浙江省医保局推动生育保险待遇一体化线上申办模式，实施24小时申请不打烊。广西医保局通过流程再造、压缩环节，实现免等即办，女职工产后到生育津贴发放最短仅需6天。新疆医保局依托国家医保信息平台，通过增加生育津贴申报进度状态查询等接口，实现申报生育保险业务的“全程网办”和“跨省通办”，让参保群众在异地就医生育过程中，实现“零跑动”，极大提升群众服务体验感和满意度。<o:p style="outline: 0px;"></o:p></section><section style="outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><br/></section><section style="outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);">呵护宝宝，保障妈妈。中国医保，一生守护！</section><section style="outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><br/></section></p><p style="margin-bottom: 0px;outline: 0px;font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);"><strong style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: var(--articleFontsize);letter-spacing: 0.578px;visibility: visible;">中国医保，一生守护！如果这篇文章对您有帮助，也请分享给家人和朋友吧！</strong></p><p><section data-role="outer" label="edit by 135editor" style="outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;"><section data-tools="135编辑器" data-id="93385" style="outline: 0px;"><section style="outline: 0px;display: flex;justify-content: center;align-items: flex-start;"><section data-brushtype="text" style="margin-top: 2px;margin-left: -14px;outline: 0px;text-align: center;font-size: 16px;color: rgb(255, 167, 38);letter-spacing: 2px;"><br data-filtered="filtered" style="outline: 0px;"/></section></section></section></section><section data-role="outer" label="Powered by 135editor.com" style="outline: currentcolor none 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);color: rgb(34, 34, 34);font-size: 15px;caret-color: rgba(0, 0, 0, 0);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, 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