Insurance & costs
Work-injury disability assessment, benefits and employment changes in China
Prepare labor-capacity assessment, read the grade, map fund and employer benefits, and manage employment changes.

After work-injury recognition, a worker whose condition is relatively stable and whose disability affects work ability can enter labor-capacity assessment. The assessment committee uses medical experts and national standards to evaluate work-function impairment and self-care impairment. It does not rediagnose the original accident, grant recognition, choose treatment or settle an employment dispute. The resulting grade can activate disability benefits, continuing allowance, care, assistive-device, retirement-transition and employment-change rules, with responsibility divided between the work-injury fund and employer. The suspension-of-work-with-pay period is another state: during its valid period, the original wages and benefits remain unchanged and are paid monthly by the employer, generally for no more than twelve months with a possible confirmed extension of no more than twelve further months. Timing, medical stability and local administration matter. This guide builds a safe workflow but does not predict a grade, calculate an individual award, determine ability to work, advise resignation or give clinical or legal conclusions.
Use this as a practical starting point
Provider procedures can change, so confirm time-sensitive details with the hospital, insurer or service. A licensed professional must make clinical decisions for an individual patient.
At a glance
Key points
- Labor-capacity assessment normally follows work-injury recognition and appropriate medical stability when disability affects work ability.
- Diagnosis, recognition, rehabilitation, suspension-of-work-with-pay and disability assessment are separate decisions or service states.
- The current national assessment rules require an application and complete medical records and provide a written correction process for missing materials.
- The committee ordinarily decides within sixty days, with up to thirty additional days for complex cases.
- Experts evaluate work-function and self-care impairment; an employer, website or treating doctor cannot promise a statutory grade.
- A party disputing the initial result can seek the prescribed provincial reassessment within fifteen days, whose conclusion is final.
- A changed condition can support a review assessment after one year under the statutory route; this is different from the fifteen-day reassessment.
- Fund-paid and employer-paid benefits must be mapped separately and depend on grade, employment status, local standards and insurance history.
- Resignation, contract expiry, transfer, merger, dispatch or departure from China can change administration and some payments, so check before signing.
- An uninsured or underpaying employer can remain responsible; missing contributions should not be treated as disappearance of the statutory route.
Confirm that recognition and medical timing are ready
A labor-capacity assessment for work injury begins after a valid recognition decision. Under the national regulation, it is appropriate when the condition is relatively stable after treatment and a disability affects work ability. The 2025 assessment measures also connect the application to medical stability or the end of the suspension-of-work-with-pay period as applicable. Ask the treating team for accurate records and clinical status, but do not ask it to select a statutory grade or shorten treatment for an assessment date.
Check whether acute treatment continues, rehabilitation has been confirmed, a recurrence is under review, another recognised injury part is pending or the paid-suspension period has not ended. These facts can affect timing without allowing a website to decide readiness. Ask the local labor-capacity assessment committee or agency what condition must be satisfied and obtain its checklist. If the worker needs continued treatment, pain control, mental-health support or another clinical service, assessment administration must not replace clinical judgment.
A diagnosis does not predict a grade, and a grade should not be pursued by interrupting necessary care.
Keep assessment separate from diagnosis, recognition and job fitness
The occupational-disease institution diagnoses a statutory occupational disease. The social-insurance administrative department recognises an accident or occupational disease as work injury. A work-injury medical or rehabilitation institution treats the condition. The labor-capacity assessment committee evaluates work-function and self-care impairment using the statutory standard. An employer then implements employment and benefit obligations. A result from one institution cannot be silently substituted for another.
A statutory disability grade also is not the same as a clinician's temporary sick-leave recommendation, an employer's internal fitness evaluation, a disability certificate used in another public system or a private-insurer impairment percentage. Preserve each record under its exact name. When discussing return to work, ask the treating or occupational-health professional about clinical restrictions and the employer about a safe suitable role, while using the assessment conclusion for the legal functions assigned to it. This guide cannot decide whether a person is medically fit for a specific job.
Prepare the application and complete medical file
The current national measures require the prescribed application, complete medical records connected to the recognised injury or occupational disease and valid identity material. Shared government data should not be requested repeatedly when the agency can retrieve it, but the applicant should still verify that the recognition decision, employer, injury parts and identity are correctly linked. Ask whether the injured worker, employer or eligible representative is filing and which local online or counter channel applies.
Index the recognition decision, emergency and inpatient records, operations, imaging, laboratory and functional tests, rehabilitation reports, specialist reviews, discharge records, current clinical status and assistive devices. Include records from every relevant provider, not only the most recent visit. For a foreign worker, link current and former passports, Chinese name variants, social-security number and contact address. Do not omit an earlier condition, alter a report or ask a clinician to use grading language unsupported by the record. The committee applies its own technical standard.
Track correction, expert examination and the decision period
If required materials are incomplete, the assessment body should give a one-time written notice of the needed corrections, generally within five working days under the current measures. Retain the intake record, notice and indexed response. Once accepted, the committee selects qualified medical and health experts, ordinarily three or five depending on the case, and can arrange examination, testing or review of records. Experts must avoid conflicts and protect personal information.
The committee ordinarily issues its conclusion within sixty days after receiving a complete application and can extend by no more than thirty days for a complex case. Ask for the acceptance date and any extension notice rather than counting from the first inquiry. A postponed examination, missing material or competent-process dependency can affect the actual timeline. Keep contact details current and ask how the decision will be served. The period is a procedural rule, not a guarantee of a desired grade or an exact payment date.
Attend honestly and request a lawful accommodation if needed
Follow the committee's notice for identity, time, place, medical records and examination. Describe function and symptoms accurately, including variability, aids and assistance, without rehearsing a grade. Bring an interpreter or authorised companion only under the committee's rules and do not allow that person to answer clinical questions inaccurately. The measures permit on-site expert examination and, for a person in critical condition or unable to travel, can support home, commissioned or other appropriate arrangements.
If travel is medically unsafe or the worker is abroad, contact the committee before the appointment with clinical evidence and ask for the available arrangement. Do not simply miss the examination. Refusal to cooperate without proper reason, deception, substitution or false material can terminate the procedure or create liability. If the committee requests a test, ask what it is and direct clinical questions to the qualified professional. Assessment staff should not require the worker to stop necessary treatment merely to create a fixed snapshot.
Read work-function, self-care and grade findings precisely
The national system grades work-function impairment from grade 1, the most severe, through grade 10, the least severe within the statutory grading system. It also assesses self-care impairment in the prescribed categories for care-related consequences. Read the full conclusion rather than copying only a grade into an employer spreadsheet. Check identity, employer, recognised injury or disease, assessment type, grade, self-care finding, date, committee and service information.
A grade activates legal rules but does not describe the whole person, guarantee a particular job outcome or replace a current clinical plan. Two people with similar diagnostic words may receive different conclusions because the statutory standard and functional evidence differ. This website cannot compare a scan with a grade table or forecast the outcome. If the document contains a clerical mismatch, use the committee's correction channel promptly. If the result itself is disputed, use the prescribed reassessment route rather than asking the treating hospital to rewrite its record.
Distinguish fifteen-day reassessment from later review
A party who disagrees with the initial labor-capacity assessment conclusion can apply to the provincial-level labor-capacity assessment committee for reassessment within fifteen days after receiving the conclusion. The provincial reassessment conclusion is final under the national regulation. Preserve the service date, obtain the current form and ask which materials and original conclusion are required. A complaint to the first committee or an employer meeting does not necessarily protect the statutory period.
A different route applies when the disability condition changes after time has passed. One year after the assessment conclusion, the injured worker or close relative, employer or handling agency can apply for a review assessment under the work-injury regulation. This is not an extension of the fifteen-day disagreement period and should be supported by current medical and functional evidence of change. The 2025 interpretive opinion also addresses when a reassessment change takes effect. Obtain case-specific agency guidance rather than assuming a changed grade retroactively recalculates every prior payment.
Map grade-based benefits without self-calculating an award
The national regulation creates different benefit structures by grade. Grades 1 through 4 generally involve retention of the labor relationship, leaving the work post, a fund-paid one-time disability grant and monthly disability allowance, with a later pension transition. Grades 5 and 6 include a fund-paid one-time grant, retention of the labor relationship and suitable work where possible; when suitable work cannot be arranged, the employer pays a statutory monthly allowance. Grades 7 through 10 receive a fund-paid one-time disability grant and can trigger additional one-time payments when employment ends under the prescribed conditions.
The national regulation expresses the one-time grants and some allowances as multiples or percentages of the worker's wage, while local rules determine standards for one-time work-injury medical and disability employment subsidies in specified termination cases. A self-calculation can fail because the defined wage base, contribution record, grade, timing, local standard, retirement status and prior payments matter. Request an official itemised calculation showing formula, base, payer, period, tax or deduction treatment where applicable and payment account. Challenge errors through the correct agency or dispute route.
Keep suspension-of-work-with-pay separate from disability benefits
During a valid suspension-of-work-with-pay period, the original wages and benefits remain unchanged and the employer pays them monthly. The national period generally does not exceed twelve months. For a serious injury or special circumstance, it may be extended after confirmation by the municipal-level labor-capacity assessment committee, but the extension may not exceed another twelve months. The employer also arranges required care during the period under the regulation. Local rules determine the period against diagnosis and classification and govern extension or disagreement.
The period can end before or around labor-capacity assessment and disability benefits can begin according to the legal conditions. Do not call ordinary sick leave, unpaid leave, employer goodwill, disability allowance and suspension-of-work-with-pay the same wage item. Keep monthly payroll, prior wage structure, written period notice, medical leave evidence, extension application and assessment conclusion. An employer should not unilaterally select a shorter period without the governing local procedure, and a worker should not assume every treatment day automatically extends the period.
Separate fund-paid and employer-paid responsibilities
Common fund-paid categories include compliant work-injury medical and rehabilitation expenses, inpatient meal support under the applicable standard, approved out-of-area treatment-related items, assistive devices, one-time disability grants, qualifying monthly disability allowances, care fees, and death-related benefits. The employer commonly pays unchanged wages and benefits and required care during the valid paid-suspension period, grade 5 or 6 allowances when suitable work cannot be arranged, and the one-time disability employment subsidy in specified termination cases.
The exact payer depends on insurance participation, recognition, confirmation, grade, employment event and local implementation. Create one row for each benefit with legal trigger, application, amount base, payer, start date, proof and payment status. Do not accept a single undifferentiated “compensation” figure without understanding which statutory items it includes or purports to release. A private insurance payment or employer advance should be recorded separately. Obtain qualified legal advice before signing a settlement, waiver, resignation or receipt that describes all claims as final.
Evaluate employment retention, suitable work and termination by grade
For grades 1 through 4, the national regulation retains the labor relationship and removes the worker from the post while the disability-benefit structure applies. For grades 5 and 6, the employer retains the labor relationship and should arrange suitable work where possible; if that cannot be done, the employer pays the prescribed allowance. The worker may propose ending the relationship and, if the legal conditions are met, receive the fund-paid medical subsidy and employer-paid employment subsidy. Grades 7 through 10 can trigger those one-time subsidies when the contract expires or the worker ends it.
These rules should be checked before resignation, mutual termination, contract nonrenewal, retirement or acceptance of another role. A document called a resignation can affect the trigger and evidence for benefits. Suitable work must be considered with real functional and safety restrictions, not merely a renamed position. Ask the employer for a written proposal and ask the agency which benefits and forms follow each employment event. This guide cannot recommend staying, resigning or accepting a job; those decisions require medical, financial and legal context.
Handle mergers, transfers, dispatch and a new employer
When an employer divides, merges or transfers, the successor entity generally assumes the former employer's work-injury responsibility under the regulation. When an employee is dispatched or seconded to another unit, the original employer generally bears work-injury insurance responsibility but can agree on reimbursement with the borrowing unit. For illegal subcontracting, affiliation or other complex arrangements, the 2025 national opinion clarifies certain responsibility scenarios. These rules require the actual contracts and facts; a workplace logo alone does not identify the responsible entity.
Before an internal transfer or new employment, preserve the recognition, assessment, benefit, contribution and occupational-health files. Ask the agency whether recurring treatment, allowances, qualification checks or contact details must be updated. A new employer should not be asked to conceal an existing recognised injury, but personal medical information should only be shared through lawful and necessary processes. If entities dispute responsibility, keep benefit applications moving where possible and obtain advice on arbitration, litigation or agency recovery rather than signing contradictory employer statements.
Respond to no insurance, interrupted contributions or underpayment
When an employer required to participate did not insure the worker, the regulation requires it to pay the prescribed work-injury benefit items and standards after recognition. If it later pays the contribution arrears and charges, newly incurred expenses are allocated under the governing rule. A contribution interruption or understated wage base can create separate collection and benefit issues. Preserve participation records, payroll, tax, bank payment and the official benefit calculation instead of relying on the employer's verbal explanation.
Ask the social-insurance agency which application remains fund-handled, which item is directed to the employer, and whether advance payment, recovery or enforcement can apply. The Social Insurance Law contains an advance-payment framework in specified circumstances, but approval is not automatic. A complaint about missing contributions does not replace recognition, assessment or the benefit application. Serious nonpayment, insolvency or asset-transfer risk warrants prompt qualified legal advice. Do not accept an unreceipted cash amount as proof that every statutory item has been paid.
Plan foreign identity, departure from China and continuing payments
Before a foreign employee changes passport, residence, bank account, phone number or country, update the relevant agency and employer records and preserve proof linking old and new identity. Ask whether the benefit is one-time or periodic, which China account or approved cross-border method is used, what annual or periodic qualification confirmation applies, and how an authorised representative can act. Rules and digital identity support can change, so obtain current written instructions from the paying agency.
Leaving China does not by itself answer whether a recognised worker keeps, transfers or settles a particular work-injury benefit. The foreign-participation measures, the nature of the benefit and local administration must be checked. Do not cancel a social-security account, close the only bank account, surrender originals or sign an all-rights waiver merely to simplify departure. If another country has a social-security agreement with China, verify whether it addresses the relevant benefit branch. This guide cannot advise immigration status, tax residence or cross-border enforcement.
Keep the five administrative states separate
Emergency care and 120 ambulance transport; an accident report; work-injury insurance participation; work-injury recognition; medical treatment or rehabilitation; labor-capacity assessment; benefit and responsible-payer calculation; and employment evidence are separate records and workflow layers. A workplace event can create several of them without completing the work-injury route. An internal accident notification tells the employer what happened. A production-safety report, when legally required, alerts the safety authority and supports rescue and investigation. A hospital record documents presentation, findings and treatment. A work-injury recognition decision determines the administrative character of the accident or statutory occupational disease. A labor-capacity assessment later grades work-function or self-care impairment after recognition and appropriate medical stability. None of these records is a substitute for the others, and the order can matter.
Create a status table with one row for emergency care, employer notice, safety reporting if applicable, recognition application, recognition decision, rehabilitation confirmation, labor-capacity assessment and benefit payment. For each row record the responsible party, authority, submission date, receipt, missing item and deadline. This prevents a sentence such as “the company reported it” from hiding whether the company only completed an internal form, reported a production-safety accident, or actually filed recognition with the social-insurance administrative department. It also prevents a clinician's diagnosis from being described as an insurance decision.
Accident report, medical diagnosis, occupational-disease diagnosis, work-injury recognition and disability assessment are five different records.
Match foreign identity and employment records before a deadline transaction
A foreign employee may have a passport, a newer replacement passport, a Chinese name, an employer-created transliteration, a Foreigner's Work Permit number, a residence document, a social-security number and one or more hospital patient numbers. Compare these before filing. Record the exact legal employer in the labor contract, payroll, work-permit and social-insurance records, and distinguish it from a client, host company, payroll vendor, overseas parent, dispatching company or office brand. A name mismatch does not determine entitlement, but it can block record retrieval, provider settlement or service of a decision.
Keep the original-language document and a careful Chinese translation when a counter cannot work from English. Ask whether the authority requires a translation, company seal, original, certified copy or an identity-update transaction. Do not rewrite an accident narrative simply to make the wording match. Preserve the earlier identifier and evidence of the change. If a bilateral social-security agreement is mentioned, request the exact agreement, covered branch, exemption certificate and valid period; nationality alone does not prove that work-injury insurance is exempt. If an app rejects a passport, use the official counter or authorised representative route rather than assuming the benefit is unavailable.
Build an evidence log without manufacturing a conclusion
Preserve contemporaneous material: messages assigning the task, shift or access records, photographs, machine or vehicle identifiers, witness names, first-aid records, ambulance records, hospital timestamps, diagnoses, invoices, leave certificates, employer notices and system receipts. Export electronic material with dates and context rather than circulating edited screenshots. Keep an untouched original and a working copy. For exposure cases, add job titles, dates, hazard names, protective equipment, workplace monitoring, occupational-health examination results and prior employers. Evidence should help an authority reconstruct facts; it should not be edited to assert a legal or medical conclusion that the evidence itself does not contain.
Ask witnesses to describe what they personally saw or heard, not whether the event was “definitely a work injury.” Ask clinicians to document the clinical history and findings accurately, not to decide employment causation outside their role. Ask the employer to preserve CCTV, access, equipment, safety and payroll records in writing and note the retention risk. If a record is incorrect, use the provider's or employer's formal correction process and retain both the original and correction trail. This website cannot assess causation, diagnose disease, grade disability or tell a person whether to accept a settlement; those questions require the responsible institutions and, where needed, qualified professional advice.
Useful language
Navigation phrases
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Avoidable problems
Common mistakes
- Applying for a disability grade before recognition or appropriate medical stability.
- Asking a treating doctor, employer or website to promise a statutory grade.
- Submitting only a recent certificate while omitting the full medical and rehabilitation file.
- Missing the expert examination without requesting an accommodation.
- Treating the fifteen-day reassessment as the same as a one-year changed-condition review.
- Combining paid-suspension wages, disability allowance and employer goodwill into one payment.
- Calculating every benefit from gross salary without checking the statutory wage base.
- Signing a resignation or broad settlement before checking grade-specific consequences.
- Assuming a merger, dispatch or new employer automatically erases the original responsibility.
- Closing accounts or leaving China without arranging identity linkage and continuing payment administration.
Common questions
Frequently asked questions
When can labor-capacity assessment begin?
Normally after work-injury recognition, when the condition is relatively stable after treatment and disability affects work ability, with local timing requirements satisfied.
Can my doctor tell me the statutory grade?
The doctor provides clinical evidence. The labor-capacity assessment committee applies the national technical standard and issues the grade.
How long does assessment take?
The committee ordinarily decides within sixty days after a complete application and may add up to thirty days for a complex case.
What if I disagree with the initial result?
Apply to the provincial-level committee for reassessment within fifteen days after receipt. Its conclusion is final under the national rule.
Can the grade be reviewed later if my condition changes?
Yes. One year after the assessment conclusion, an eligible party can seek review assessment if the disability condition changes.
Who pays during suspension-of-work-with-pay?
The employer pays the worker's original wages and benefits monthly during the valid period, subject to the national and local rules.
Does the fund pay every disability-related item?
No. Responsibility is split between the fund and employer and depends on the benefit, grade, employment event and insurance status.
Should I resign after receiving a grade?
This guide cannot recommend that. Resignation can affect benefit triggers and should be reviewed with the official calculation and qualified advice.
Do I lose benefits if I leave China?
Do not assume either outcome. Ask the paying agency how the specific one-time or periodic benefit, identity, bank and qualification requirements operate.
Evidence
Sources consulted for this guide
National rules are separated from city and provider examples. Access dates show when a source was collected; source pages and procedures can change afterward.
