Enterprises according to the minimum social security payment base in Nantong.

Urban enterprises and institutions pay unemployment insurance premiums at 2% of total wages. Employees of urban enterprises and institutions pay unemployment insurance premiums according to one percent of their wages. Farmers contract workers recruited by urban enterprises and institutions do not pay unemployment insurance premiums.

Maternity insurance:

In order to further improve the maternity insurance policy for employees and ensure the basic living and medical needs of female employees during their maternity, according to the actual situation of our city, the relevant issues concerning the adjustment of maternity insurance benefits for employees are hereby notified as follows:

First, the standard of maternity allowance for female employees during maternity leave should be appropriately raised, that is, 70% of the average payment base in the twelve months before the operation of individual childbirth, abortion and ectopic pregnancy should be taken as the calculation standard. These include:

L, pregnant less than 3 months (including ectopic pregnancy) abortion, enjoy 1 month maternity allowance;

2. Those who are pregnant for more than 3 months (including 3 months) but less than 7 months are entitled to 1.5 months maternity allowance;

3, pregnancy for 7 months (including 7 months) above induced labor and natural delivery, enjoy 3 months maternity allowance:

4, dystocia increased by 0.5 months of maternity allowance; For multiple births, the maternity allowance will be increased by 0.5 months for each additional child.

Two, female workers due to childbirth, abortion, ectopic pregnancy medical expenses paid in accordance with the following provisions:

1, abortion within 3 months of pregnancy does not exceed 200 yuan;

2, 3-7 months of pregnancy (induced labor) delivery does not exceed 1300 yuan;

3. The induced labor for more than 7 months shall not exceed 1800 yuan;

4, natural childbirth does not exceed 2000 yuan;

5, dystocia delivery does not exceed 2500 yuan.

6, ectopic pregnancy does not exceed 2650 yuan;

7, dystocia cesarean section does not exceed 2900 yuan.

Third, during maternity leave, if the medical expenses such as postpartum hemorrhage and puerperal infection caused by childbirth exceed the limits specified in Items 4, 5 and 7 of Article 2, they will be reimbursed by 70% on the basis of illness certificate, discharge summary (record), detailed list of expenses and related bills.

Four, to meet the requirements of the state to enjoy maternity leave for female workers to issue a one-time nutrition subsidy, the standard is tentatively set at 150 yuan.

Five, the employer to pay maternity insurance for less than one year, the maternity allowance, maternity medical expenses, one-time nutrition subsidies and other female workers enjoy the treatment of 50%.

Six, to participate in maternity insurance for unemployed female workers, from the month of unemployment in the period of enjoying unemployment insurance benefits, according to the standard of receiving unemployment insurance benefits maternity allowance during maternity leave. Maternity medical expenses and one-time nutritional subsidies are enjoyed with reference to the treatment of on-the-job female employees.

Seven, the placement (removal) of intrauterine devices, the implementation (removal) of subcutaneous implantation, egg (sperm) tube sterilization (recanalization) surgery costs and routine inspection costs, according to the standards approved by the price department. There's an extra charge for medicine, 40 yuan.

Eight, the family planning complications patients identified by the family planning technical appraisal team at or above the county level, the medical expenses incurred in the treatment of family planning complications in medical institutions at or above the second level shall be charged in the maternity insurance fund.

Nine, the above expenses shall be reimbursed by the unit manager to the maternity insurance agency within 6 months from the date of the expense. Maternity insurance agencies audited in accordance with the provisions of the cost, should be given a one-time payment.

X this circular shall be implemented as of June 1 2005.

Industrial injury insurance:

The relevant matters concerning the treatment of industrial injury insurance for employees in Nantong in 2008 are hereby notified as follows:

1. Adjusted object: Before June 30, 2008, Nantong City has been included in the management of work-related injury insurance, and people who enjoy 1-4 regular treatment for work-related injuries and pension for dependent relatives of dead workers.

2. Adjustment method: The adjustment range of disability allowance, living care fee and dependent relatives' pension is the sum of 70% of the average wage increase of employees in our city last year and 30% of the increase of consumer price level. In 2007, the average monthly salary of employees in our city was 25 13 yuan, with an increase of 16. 1%, and the consumer price level increased by 5. 1%. Calculated amount after adjustment = calculated amount before adjustment ×( 1+ average wage increase of employees 65438+.

Three. Adjustment time: the above-mentioned adjustment objects will enjoy new treatment from July 1 2008, and the required funds will be paid by the industrial injury insurance fund.

Endowment insurance:

Provisions of Jiangsu Province on Basic Endowment Insurance for Enterprise Employees

Chapter II Collection and Payment of Basic Endowment Insurance Fees

Article 8 The employing unit shall go through the formalities of social insurance registration, declaration and change registration in accordance with the Regulations of Jiangsu Province on the Collection and Payment of Social Insurance Fees. With social insurance registration certificate and other documents and materials, establish a payment relationship with the local tax authorities.

When the employer and the insured establish, dissolve or terminate the labor relationship, they shall go through the relevant formalities of basic old-age insurance at the local social insurance agency within the prescribed time limit, and the social insurance agency shall complete the formalities within the prescribed time limit.

When the employer cancels the basic old-age insurance, it shall go to the local tax authorities to settle the payable basic old-age insurance premium, and then go through the cancellation procedures according to law.

Article 9 The social insurance agency shall provide the local tax authorities with the basic data of the payment by the employer and the insured within the specified time, and the local tax authorities shall collect the basic old-age insurance premium from the employer and the insured according to the data provided by the social insurance agency, issue a collection voucher, and provide the social insurance agency with the actual payment of the employer and the insured within the specified time. If the local tax authorities find that the employer's declaration is false in the process of collection and payment, they shall provide the employer's actual total wages and employees' wage income to the social insurance agency in time, and the social insurance agency shall re-verify it. The employing unit shall pay the basic old-age insurance premium of the current month in advance according to the amount calculated by the local tax authorities.

The basic old-age insurance fund is included in the financial budget management. The basic old-age insurance premiums collected shall be paid into the state treasury on time and in full, and shall be included in the financial special account management in accordance with state regulations.

Article 10 An employing unit shall, in accordance with the proportion determined by the provincial people's government, take the total wages of all its employees as the payment base. If the total wages paid by the actual insured of the employing unit are higher than the total wages of all employees of the unit, the total wages paid by the actual insured of the unit shall be taken as the base.

The insured pays 8% of his salary, which is withheld and remitted by the employer.

Individual industrial and commercial households and their employees and flexible employees pay 20% of the average monthly salary of employees in the province in the previous year. Among them, employees of individual industrial and commercial households pay 8 percentage points, and individual industrial and commercial households pay 12 percentage points.

The employer's contributions (including the contributions of individual industrial and commercial households for employees) shall be paid before tax; The individual contributions of the insured shall be deducted from the personal income tax payable according to the regulations.

Eleventh insured (excluding individual industrial and commercial households and their employees, flexible employees) wage income is used to pay wages. The benchmark number of the upper and lower limits of the annual basic old-age insurance premium collection is determined according to the average wage of employees in the province announced by the provincial statistics department. If the wage income of the insured exceeds the benchmark number by more than 300%, it will not be included in the payment of wages; If the wage income of the insured is lower than 60% of the benchmark, the payment wage shall be determined according to 60% of the benchmark; If the wage income of the insured is within the upper and lower limits of the basic old-age insurance premium collection, the payment wage shall be determined according to the actual wage income.

Article 12 Employers are encouraged to establish enterprise annuities for their insured persons on the premise of participating in the basic old-age insurance and paying in full. Actively develop individual and group endowment insurance business and support qualified enterprises to establish multi-level endowment insurance plans through commercial insurance.

Chapter III Personal Account of Basic Endowment Insurance

Thirteenth social insurance agencies shall, according to the social security number of the insured, establish a unique personal account for life, issue relevant cards and establish basic old-age insurance files.

Article 14 The personal account of the insured includes:

(a) before the implementation of these provisions, the personal account of the insured has been stored;

(two) after the implementation of these provisions, the individual contributions of the insured (8 percentage points for individual industrial and commercial households and flexible employees);

(3) Other deposits transferred to personal accounts as stipulated by the state;

(4) Interest is calculated on the amount stored in individual accounts according to the calendar year.

Personal accounts are gradually implemented, and personal account funds are completely accumulated. The plan for gradually realizing individual accounts shall be formulated separately by the provincial people's government.

The preservation and appreciation of individual account funds shall be implemented in accordance with the fund management and investment operation measures formulated by the state and the province.

Medical insurance:

Measures for the implementation of basic medical insurance for urban workers in Nantong City

Chapter III Collection and Payment of Basic Medical Insurance Fees

Article 9 The employing unit shall pay the basic medical insurance premium at 8% of the total wages of all its employees; Individual workers pay 2% of their wages.

Urban self-employed workers, urban freelancers and other urban workers affiliated to labor and personnel agencies are paid by individuals at 10% of their wages.

In the future, with the economic development, the contribution rates of employers and individual employees can be adjusted accordingly.

Tenth employers and employees pay wages, by the insured units (or individuals) reported to the agency for examination and determination.

(a) the salary payment of individual employees is approved according to their average monthly salary income in the previous year. Employees hired or transferred from other places in that year shall be paid according to the wage standard approved by the labor and personnel department (or agreed in the labor contract).

The wage income of employees is higher than 300% of the average monthly wage of urban employees in the previous year, which may not be included in the payment base; If it is lower than 60% of the average monthly salary of urban workers in the previous year, the payment base shall be approved according to 60% of the average monthly salary of urban workers in the previous year.

(two) the total wages of the employer shall be approved according to the total wages of all employees in the current period; The calculation caliber is consistent with the employee payment base.

(III) Urban self-employed workers, urban freelancers and other urban workers affiliated to labor and personnel institutions whose wage income cannot be determined, urban self-employed entrepreneurs and their employees, and township enterprises and their employees who have been approved to participate in the insurance, the payment base shall not be lower than the average monthly salary of urban employees in the previous year.

Eleventh basic medical insurance premiums shall be collected by the agency or the tax department on a monthly basis. The employer (or individual) shall pay in full according to the approved standard before 10 every month; Among them, the basic medical insurance premiums payable by individual employees shall be withheld and remitted from their own wages by the unit where they work. The collection agency may entrust the unit bank to handle the collection directly.

If the employer fails to pay and withhold the basic medical insurance premium in full according to the regulations, the administrative department of labor security shall order it to pay within a time limit; Fails to pay, from the date of default, a daily surcharge of 2‰. Late fees are incorporated into the basic medical insurance fund.

Twelfth retirees to participate in the basic medical insurance, individuals do not pay the basic medical insurance premium. Employers and units can supplement individual medical accounts with appropriate start-up funds year by year according to their own affordability and about 2% of the total retirement pension of retirees in the previous year. To supplement the start-up capital, the unit shall make a one-time declaration and payment by retirees at the end of the first half of each year according to/kloc-0.

Thirteenth gradually improve the payment accumulation mechanism, in accordance with the principle of the unity of rights and obligations, to determine the minimum payment period of employees. The minimum payment period is tentatively set at 25 years for male employees and 20 years for female employees. Before employees participate in the basic medical insurance, the continuous length of service calculated according to national and provincial regulations is regarded as the payment period.

Since the date of 200 1 1 1, if the accumulated payment period (including deemed payment period) of employees participating in the basic medical insurance is less than the minimum period, the units and individuals shall pay the basic medical insurance premium for less than the minimum period according to the payment base and payment rate of their retirement year.

Fourteenth employers and their employees in arrears of basic medical insurance premiums, agencies from the next month to suspend the insured to enjoy the benefits paid by the social pooling fund; During the shutdown period, the payment period of employees is not calculated, and the medical expenses incurred by the insured are borne by the employer. After the units and employees pay the basic medical insurance premium, they can make up the payment period, but the medical expenses incurred during the suspension period will not be paid by the social pooling fund.

Fifteenth employers due to bankruptcy, cancellation, dissolution or other reasons to terminate, should be required to pay off the unpaid basic medical insurance premiums; At the time of asset disposal, the full amount of medical insurance compensation for employees and retirees shall be extracted and handed over to the agency for management. Based on the average wage of urban workers above the standard, it is calculated and determined according to the total cost of units and individuals; Retirement period: retirees shall be no less than 10 years, and employees on the job shall be approved by the administrative department of labor and social security according to their personnel diversion and asset liquidation.

Article 16 The basic medical insurance premium paid by the employing unit (including the start-up funds appropriately supplemented to the individual accounts of retirees), institutions fully funded by state organs and finance, and medical institutions owned by the whole people that implement quota (fixed items) management shall be charged in the budget funds of each unit; Other institutions shall be charged in the medical fund or welfare fund drawn by the unit; Enterprises should pay from employee welfare funds (or labor insurance premiums).

The basic medical insurance premium for laid-off workers of state-owned enterprises, including the part paid by units and individuals, shall be paid by re-employment service institutions according to 60% of the average monthly salary of urban workers in the previous year; The required expenses are included in the basic living security funds for laid-off workers raised according to regulations.

The basic medical insurance premiums paid by employees are exempt from personal income tax.

Seventeenth basic medical insurance premiums paid by employers and employees, in accordance with the principle of combining unified accounts to establish individual medical accounts and social pooling funds. Among them, the part paid by individual employees is fully included in my medical account.

Housing accumulation fund:

Monthly deposit of housing provident fund

The monthly deposit of housing provident fund is equal to the sum of the individual deposit of employees and the housing provident fund paid by the unit for employees. Among them, the employee's individual monthly deposit is equal to the employee's average monthly salary in the previous year [total wages, the calculation caliber is based on the content of the Provisions on the Composition of Total Wages issued by the National Bureau of Statistics (1990) 1] multiplied by the employee's housing provident fund deposit ratio; The monthly deposit amount of housing provident fund paid by the unit for employees is equal to the average monthly salary of employees in the previous year (the same below) multiplied by the proportion of housing provident fund paid by the unit. At present, the contribution ratio of housing accumulation fund in Nantong [including six counties (cities)] is 16%-24% (8% for units and 8%- 12% for individuals).

According to the spirit of document 19991February 15 10. Zheng Tong ban fa [2003] No.255 monthly housing monetary subsidies for new employees from 1998 12 1 refer to the management and use of housing provident fund. Monetary subsidy for housing for new employees of government agencies and institutions 14%. The proportion of monetary subsidies for new employees' housing in enterprises and self-supporting institutions managed by enterprises can be determined within the range of 12%- 14% according to their own affordability and conditions.

The monthly deposit of housing provident fund shall be rounded to the nearest yuan (Notice on Adjusting the Deposit Base of Housing Provident Fund in 1998 (General Housing Reform 19984 1)).

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.