Question from Nguyen Quang Vinh (Quang Ninh province) and others: If an employee has an accident outside the workplace and he/she has accident insurance (commercial insurance), who is obliged to cover his/her expenses, compensation and other benefits? If he/she does not have social insurance or health insurance, who is obliged to cover those payments?

Tran Thi Huong from Hanoi asks: I have signed a contract with a company and bought social insurance for more than five years. I also signed another contract with a second company on July 21, 2018. However, my previous contract will end by the end of December 2018. Both contracts show the companies’ commitments towards covering my social insurance. So how should my social insurance premiums be worked out during the overlapped time? Can both companies pay for my insurance? In July, I spent the first 20 days working for the old company and secured a new contract on the 21st day. If I have to choose between the two, what should I pick?

A reader asks: For employees who are appointed to study abroad and receiving 40 percent of their salary, do they need to pay contribution during the period? If so, how can they calculate such amount of contribution?

How does the salary serve as the basis for calculating occupational accident and occupational disease benefits?

I am taking maternity leave, but after the maternity leave my company will terminate my labor contract. I have paid 11 months of social insurance premiums. Will I get unemployment insurance benefit?

My father died but was entitled to survivors' benefits. I will suffer a working capacity decrease of 81% or more, but I have a family (with a spouse). Am I entitled to a survivor's allowance?

I am going to apply for maternity leave for 6 months. My current employer (a foreign company) defines that: The company will not pay all the salary during employee’s maternity. It will be paid by the social security agency as prescribed by law. Therefore, during my maternity leave, I will not receive the salary and have to wait until the end of the maternity leave for the social security agency to pay my benefits. Is that correct?