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Chapter 7 / Complete chapter

Surviving Broke

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Chapter 7 editorial cartoon: Out of money needn't mean out of information. Enlarge illustration
Out of money needn't mean out of information.

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Editorial cartoon · Chapter 7Out of money needn't mean out of information.

Original illustration with Chinese lettering; the English dialogue is below. Humour is a reading aid, not evidence.

English dialogue
  • My wallet ran out of battery.
  • Let's check the eligibility rules.

Apply online for unemployment benefits if you’ve lost your job

If both your employer and you have paid into the yibao (basic medical insurance) system for at least one year and you didn’t resign voluntarily, you c…

Cost
There is no cost. You can submit the application via smartphone using any of three portals…
Benefit
To qualify you must meet three criteria: (1) your employer and you have each contributed t…

First file a complaint with the Human Resources and Social Security Bureau, then apply for final and binding one-instance arbitration — both options are free, and most cases yield results within a few months.

Both processes cost nothing. Start by calling 12333 or visiting the local Human Resources and Social Security Bureau’s labor inspection office. Within…

Cost
There are no fees for either option. You’ll need to gather your employment contract, pay s…
Benefit
The first step is to file a complaint. Call 12333 or visit the local labor inspection offi…

Use free public employment services and gig platforms first — avoid paid agencies

Public agencies like employment service centers and human resources markets provide job matching, career guidance, policy advice, and both employment …

Cost
No cost at all. Register at any public employment service agency at the county level or ab…
Benefit
The law guarantees that the following services must be provided at no cost: advice on empl…

Apply for emergency assistance when unexpected crises occur

If a sudden crisis strikes — like a fire, car crash, or a family member’s sudden serious illness — and it temporarily overwhelms your ability to cover…

Cost
There is no cost. Simply submit an application to the township government or subdistrict o…
Benefit
Two types of households qualify for this assistance. The first includes families facing su…

Apply for dibao if your household income falls below the local threshold

If the total household income divided by the number of members stays below the local dibao threshold and your family’s assets also meet the requiremen…

Cost
There are no fees. Household members living together must submit a written application to …
Benefit
Households whose per-capita income remains below the local dibao standard and whose assets…

Apply for the two disability subsidies using a disability certificate

Disabled individuals living in dibao households can receive a living subsidy. Those with a disability rating of level 1 or 2 who require long-term car…

Cost
There is no cost. Simply bring your disability certificate and submit one application at y…
Benefit
The State Council has established these two subsidies. The first is the Living Subsidy for…

Do not miss the annual 400‑yuan payment for basic medical insurance; subsidies are available for low‑income households

Individuals must pay a minimum of 400 yuan each year, and the government adds roughly 700 yuan per person as a subsidy. Those in extreme hardship get …

Cost
Each individual must pay at least 400 yuan per year. This is the national standard for 202…
Benefit
In addition to the individual contribution, the state provides a per‑person subsidy. For 2…

When suffering from a serious illness, first use yibao, dibao, medical assistance, and register for cross‑regional treatment — avoid online loans

The sequence is fixed. Before any cross‑provincial hospitalization, register through the “National Medical Insurance Administration” WeChat account; t…

Cost
There is no expense involved. The steps must be followed in order. First, before being hos…
Benefit
The state groups basic medical insurance, dibao, and medical assistance into what is known…

Replace a lost ID card immediately; get a temporary ID if you need it urgently

For standard replacements, the new ID card is issued within 60 days from the date you submit the application. If you need it right away, you can also …

Cost
There is a statutory fee for issuing ID cards. The exact amount is set by national regulat…
Benefit
Once you submit the application form for a resident ID card, authorities must issue the ca…

After registering as unemployed, seek recognition as a person facing employment difficulties to receive social insurance subsidies or placement in public-interest jobs

Once recognized, you can receive subsidies for your own social insurance contributions — generally up to two-thirds of what you actually pay, for a ma…

Cost
There is no cost involved. You simply apply for recognition at a local public employment s…
Benefit
After receiving this recognition, individuals who are unemployed and pay social insurance …

Apply for vocational training subsidies, employment internship subsidies, and social insurance subsidies during unemployment — don’t pay for training courses out of pocket

You won’t have to pay for training at all. If you complete a qualifying course and obtain the required certificate, you can receive a vocational train…

Cost
There is no direct cost. However, the training itself takes up a lot of your time. The rea…
Benefit
According to regulations issued by the Ministry of Finance and the Human Resources and Soc…

Job hunting isn’t just about sending resumes — use a systematic approach: learn skills, set goals, and ask for help

When we combine data from 47 studies, people who took part in job-hunting coaching are 2.67 times more likely to land a job than those who didn’t. The…

Cost
There’s no monetary cost. You’ll need to spend 1–2 hours each day for several weeks. Paid …
Benefit
A combined analysis of 47 peer-reviewed studies on job-hunting coaching — all of which use…

No deposits, no ID retention, no “training loans”, no pyramid schemes, no usurious loans

Employers are not allowed to keep your ID or other documents, nor demand any deposits or payments under any pretext. Violators must return all money a…

Cost
Zero expense. If an employer or recruiter suggests “pay first before starting work”, “pay …
Benefit
Companies cannot retain your ID or other documents, cannot ask for guarantors, and cannot …

Public rental housing for those with housing difficulties

You must meet three criteria simultaneously: you must have no housing locally, or your living space must fall below the required standard; your income…

Cost
There is no fee to apply. You must submit documents to the local housing authority and pro…
Benefit
Those who satisfy all three conditions are eligible to apply. First, they must have no hou…

Keep food and housing costs to a minimum: opt for monthly shared housing instead of daily rentals, and cook at home or use senior meal services rather than ordering takeout.

In 2025, food accounted for 29.3% and housing for 21.7% of average national per‑person spending — together they make up over half of total expenses, s…

Cost
Finding a place to live takes 1–3 days. The security deposit is usually equal to one month…
Benefit
In 2025, the average annual per‑person expenditure nationwide was 29,476 yuan. Of this amo…

Don’t panic if your social insurance lapses: pension is calculated cumulatively, medical insurance is restored per rules

Pension benefits are based on total years of contribution, not on continuous service. A break in payments doesn’t reset the count; once you’ve accumul…

Cost
No cost at all. Residents can pay for pension and medical insurance on an annual basis. If…
Benefit
Basic pension is calculated from the total years of contribution; gaps in payment do not e…

Even those who have served time, filed for bankruptcy, or ended up on a blacklist still have legal avenues to start over — provided they complete all required procedures.

Former inmates cannot be discriminated against regarding employment, education, or social insurance; the government must provide support to those in n…

Cost
There are no processing fees. Former inmates must register at their local judicial office …
Benefit
Former inmates are entitled to equal rights under the law, including non-discrimination in…

Before facing a serious illness, consider adding a one‑year medical or critical‑illness policy to your basic medical insurance; make sure it includes the phrase “guaranteed renewal”.

These policies cover the portion of medical expenses that your yibao (basic medical insurance) does not pay, as well as any income lost while you’re u…

Cost
For young people, a one‑year expense‑reimbursement medical policy costs only a few hundred…
Benefit
Regulatory authorities classify such products into two main types. Medical insurance reimb…

If there’s nowhere else to sleep, 24‑hour venues can only serve as a temporary overnight stop; shelters should be the first choice.

Airport and railway waiting areas may get you through a night, with toilets and power, but there are no official safety figures. Assistance stations h…

Cost
Waiting areas at airports and train stations are usually free. Fast‑food restaurants and i…
Benefit
A 24-hour venue can provide a toilet and a place to charge a phone for one night; there ar…

If wages are owed to you, first figure out who actually employed you: unlicensed workshops and labor subcontractors still go through labor inspection; only work for a household or individual as a private helper belongs in court

A workshop or store without a license can still be reported to labor inspection and taken to labor arbitration; the owner can be held personally liabl…

Cost
No cost. First clarify three things: whether the other party runs a shop, factory, or busi…
Benefit
Article 2 of the Labor Contract Law limits “employers” to enterprises, individual economic…

If unable to repay credit cards or online personal loans, contact bank or platform customer service directly to negotiate personalized installment plans or deferrals; never borrow new debt to pay old debt or pay intermediaries for "debt relief," "credit repair," or "anti-collection" schemes

For credit card balances exceeding repayment capacity where the cardholder expresses genuine willingness to pay, banks may negotiate a personalized in…

Cost
Zero financial cost. Call official customer service numbers printed on the back of cards o…
Benefit
Under Article 70 of the Measures for the Supervision and Administration of Commercial Bank…