德州市自1996年开始在国有、集体企业推行生育保险制度改革。目前,国有、集体企业覆盖率达到81%,职工覆盖率达到了72%。实践证明,生育保险的实施,对分散生育行为给女职工职业生涯带来的风险,均衡用人单位生育费用负担,维护女职工合法权益等起到了重要作用。但这项改革的深化,还有许多矛盾和问题亟需研究解决。——覆盖面窄。一是生育保险统筹没有覆盖非公有制经济组织。据统计,德州市现有私营企业和个体工商业户31.4万户,从业人员67.1万人。由于这些人员没有参保,而实际生育保险统筹面也只能达到25%左右。从表面上看,这影响生育保险基金的筹集规模,限制保障能力的提高。而更严重的是,女职工因生育过程暂时丧失劳动 Since 1996, Dezhou has introduced the reform of the maternity insurance system in state-owned and collective-owned enterprises. At present, the coverage rate of state-owned and collective enterprises has reached 81% and the staff coverage rate has reached 72%. Practice has proved that the implementation of maternity insurance plays an important role in the risk to the career of female employees due to childbirth, balancing the burden on childbearing expenses of employers and safeguarding the legitimate rights and interests of women workers. However, as the reform deepens, many contradictions and problems urgently need to be studied and solved. - Narrow coverage. First, maternity insurance co-ordination did not cover non-public economic organizations. According to statistics, there are 314,000 private-owned and individual industrial and commercial households in Dezhou with 671,000 employees. Since these people are not insured, the actual maternity insurance coverage can only reach about 25%. On the surface, this affects the scale of the maternity insurance fund raised and limits the improvement of safeguards. More seriously, women workers temporarily lose their labor due to the birth process