Money and business / Chapter 7
This section is about money and social safeguards. How much you can receive, what fees you can avoid, what services you can get, and what conditions you must meet are all written here — not converted into years of life. Policies change every year and differ by place, so amounts and thresholds follow what your locality publishes for the current year.
Items in this section are grouped by topic below, with item numbers in parentheses.
Losing a job: Apply online for unemployment insurance benefits (item 1); get recognized as someone facing employment difficulties (item 12); claim vocational training subsidies (item 13).
Unpaid wages: File a complaint with labor inspection first (item 2); apply for legal aid (item 3); when wages are owed, first figure out who hired you (item 22).
Emergency relief: Go to a shelter (item 4); apply for temporary assistance (item 6); apply for dibao (item 7); the two disability subsidies (item 8); replace a lost ID card at once (item 11); when you truly have nowhere to sleep (item 21); when you already cannot repay credit cards or online loans (item 23).
Medical and social insurance: Do not let resident medical insurance lapse (item 9); for serious illness, use medical insurance and medical assistance first (item 10); do not panic if social insurance contributions are interrupted (item 18); add a medical or critical-illness policy (item 20).
Finding work and starting over: Public employment services and gig markets (item 5); use a systematic approach when job hunting (item 14); pay no deposit and surrender no ID (item 15); even after prison or bankruptcy there is a path to start over (item 19).
Housing and food: Queue for public rental housing (item 16); cut housing and food to the minimum (item 17).
If your employer and you have paid for a full 1 year, and you did not resign on your own, then after unemployment registration and if you are willing to look for work, you can receive money. …
First call 12333 or complain to labor inspection at the human resources and social security bureau; after a case is filed, the investigation finishes within 60 working days. …
Anyone seeking unpaid wages, alimony, social insurance benefits, dibao payments, or compensation after acting in defense of others can apply for free legal assistance. Simply call 12348 or visit your local legal aid center. …
Shelters cover meals and lodging, send you to a hospital if you fall ill, help you contact family, and issue a ticket home if you cannot afford one. Stays generally do not exceed 10 days. …
Public agencies like employment service centers and human resources markets provide job referrals, career guidance, policy advice, and both employment and unemployment registration — all completely free of charge. …
When something sudden hits at home — a fire, a car crash, a family member’s sudden serious illness — and basic living is temporarily crushed, you can apply for temporary assistance at the township government or subdistrict office where it happened; you need not already be on dibao. …
If household per-person income is below the local dibao line and assets also meet the rules, you can apply. At the end of 2024, the national urban dibao line averaged 798.1 yuan per person per month, and the rural line 593. …
Disabled persons in dibao households can receive a living subsidy. Those rated disability level 1 or 2 who also need long-term care can receive a care subsidy; both can be received at the same time. …
Individuals pay from 400 yuan a year; in 2025 finance adds no less than 700 yuan per person. Extremely poor persons get full funding; dibao recipients get a fixed subsidy. …
The order is fixed: before cross-province hospitalization, register in the “National Healthcare Security Administration” official account; settle directly at discharge without advancing the full bill first. …
For standard replacements, the new ID card is issued within 60 days of submitting the application. …
Once recognized, paying social insurance yourself qualifies for a subsidy, in principle no more than two-thirds of what you actually pay, for at most 3 years. …
Complete training and obtain the required certificate, and you get a vocational training subsidy — at most 3 times per person. …
People who have taken job-seeking coaching find work at 2.67 times the rate of those who have not. …
Employers cannot keep your ID or demand a deposit, nor can they charge you under any other pretext. If a job placement agency fails to find you a job, it must refund the placement fee. …
To qualify, you must meet three criteria simultaneously: you must have no property in the area, or your living space must fall below the required standard; your income and assets must also be below the set limits; and migrant workers must have maintained stable employment in the area for a specified period. …
In 2025, food accounted for 29.3% and housing for 21.7% of average national per‑capita spending — together they make up over half of all expenses. Therefore, cutting costs in these two areas yields the biggest savings. …
Pension is counted by cumulative years, not continuous years; an interruption does not clear the count. At retirement age, a cumulative full 15 years is enough for monthly payments. …
People released after serving a sentence must not be discriminated against in employment, schooling, or social insurance; those in living difficulty are helped into placement by the government. …
This kind of insurance covers the part you still pay after medical insurance reimbursement, plus losses from stopping work. …
Airports and train stations can provide a place to spend the night — they have restrooms and power outlets — but no official data confirms they’re safe. …
Unlicensed workshops and shops that owe wages can still be complained to labor inspection and taken to labor arbitration; the boss personally can also be pursued. …
If you cannot repay a credit card but are still willing to, you can negotiate a personalized installment with the bank for up to 5 years; once the agreement is signed the bank must stop collection. …
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