Jiangyin Heilan Group Headquarters, salary, five insurances, one fund, holidays, household registration, give a detailed introduction

The state stipulates three insurances and one insurance, and some areas have adopted five insurances and one insurance. Social insurance generally includes: pension, medical, work-related injury, unemployment, maternity insurance, plus a provident fund, collectively referred to as "five insurances and one fund". There are also those that only provide pension, medical care, work-related injury, and unemployment, plus provident fund, which is called 5 gold.

The types of insurance vary from place to place, and the payment ratio for each type of insurance is also different. Please check with the local social security and provident fund management departments.

Let’s take an example to explain the meaning of three funds and one insurance.

For example, your salary is 1,000 yuan.

The local system adopts the hardware and one insurance system, so you need to pay an additional 54% of your salary as the hardware and one insurance. Among them, individuals pay about 12%, and enterprises pay about 42%. This money is nominally in your name. But it cannot be used as a monthly cash payment. At this time, for 1,000 yuan, the money you get is 880 yuan. The 120 yuan deducted and the 420 yuan to 540 yuan paid by the company will be deposited into your five insurance and one fund account. The same applies to the three insurances and one insurance, but there are 2 parts less than the five insurances and one fund, about 11% less. The money can be used in the future. If it is only a salary of 1,000 yuan, but there are no three funds and one insurance. You can see how much salary you actually lost.

About five insurances and one fund: What are five insurances and one fund

"Five insurances" refers to five types of insurance, including pension insurance, medical insurance, unemployment insurance, work-related injury insurance and Maternity insurance;

"One fund" refers to the housing provident fund.

Among them, pension insurance, medical insurance and unemployment insurance are premiums paid jointly by enterprises and individuals. Work-related injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay. What should be noted here is that the "five insurances" are statutory, but the "one fund" is not statutory.

What is the payment ratio for "five insurances and one housing fund"?

The current pension insurance payment ratio in Beijing: 20% for units (17% of which is transferred to the overall fund and 3% to personal accounts), 8% for individuals (all transferred to personal accounts); medical insurance payment ratio: 10% for units, 2% + 3 yuan for individuals; Unemployment insurance payment ratio: 1.5% for units, 0.5% for individuals; Work-related injury insurance determines its work-related injury rate according to the industry scope into which the unit is divided; Maternity insurance payment ratio: 0.8% for units, The individual does not pay.

Proportion of provident fund payment: Choose the proportion of housing provident fund payment based on the actual situation of the enterprise. However, in principle, the maximum contribution amount shall not exceed 10% of 300% of the average salary of Beijing employees.

(The co-ordinating fund is: in the process of the gradual transformation of the pension insurance system from the state-unit system to the state-social system, national co-ordination is needed to solve problems such as uneven economic development and population aging.

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(1) Establish a social pooling fund based on corporate contributions; (2) Establish personal accounts based on employee and corporate contributions; (3) The government bears the management costs of the pension insurance fund. The semi-fund system combined with accounts is conducive to coping with China's aging population crisis, gradually dispersing the transition costs from the old system to the new system, and gradually realizing the transformation from the enterprise pension insurance system to the individual pension insurance system.

IV. The regulations on the amount of insurance and fund payment are different in each region. The base is based on the total salary. Some companies have basic wages and related subsidies when paying, but some companies only pay basic wages. It is against the law. Please consult the local labor department for specific proportions.

Withdrawals of pension insurance, unemployment insurance and medical insurance can only be received under legally permitted circumstances. The insurance registration department will issue it, such as "pension insurance, you must reach the legal age. You must also meet the conditions to receive unemployment insurance benefits. For example, if you go to the sub-district office where your household registration is located to apply for an unemployment certificate, and at the same time apply for a job permit, that is It means that you must be willing to find a job after you lose your job, so that you can receive it.

If you don’t want to work after you lose your job, you will not be able to receive insurance benefits. In addition, pension and unemployment benefits will not be paid to you.

·Do you have insurance during the probation period?

You should also enjoy insurance during the probation period, because the probation period is an integral part of the contract period and is not an isolation period. outside the contract period.

Therefore, you should also be insured during the probation period. In addition, it is a legal obligation for enterprises to insure their employees, and it does not depend on the intention or voluntariness of the parties involved. Even if the employees indicate that they do not need to pay for insurance, commercial insurance cannot replace social insurance. Benefits of pension insurance: Those who have paid pension insurance for more than 15 years in total and reached the legal retirement age can enjoy the benefits of pension insurance:

1. Receive a basic pension calculated in accordance with regulations on a monthly basis until death.

The calculation formula of basic pension is as follows:

Basic pension = basic pension + personal account pension + transitional pension = average monthly salary of employees in the city in the year before retirement × 20% (15% if the payment period is less than 15 years) + personal account principal and interest sum ÷ 120 + indexed average monthly paid salary × payment period before the end of 1997 × 1.4%.

2. Death treatment. (1) Funeral expenses (2) One-time pension (3) Living difficulties subsidy for immediate family members who meet the supporting requirements, which will be paid on a monthly basis until the death of the supporting immediate family member.

Note: Pension insurance should be paid continuously as much as possible. According to relevant documents, any enterprise or insured person who pays basic pension insurance premiums intermittently (unemployed persons who do not pay during the period of receiving unemployment insurance benefits or those who do not pay according to relevant regulations) Except), the insured meets the pension conditions stipulated by the state. When calculating the basic pension, the calculation base of the basic pension is calculated based on the accumulated discontinued payment time forwarded year by year to the average salary of the city's employees in the previous year of the corresponding year. (The accumulated intermittent payment time is calculated as one intermittent payment year for every 12 months, and will not be calculated if it is less than 12 months)

For example:

If you are in 2020 When you retire, your basic pension is normally the social average salary in 2019 × 20%. However, if your pension insurance is interrupted for 30 months before retirement, it means that it has been interrupted for 2.5 years. Calculated as 2 years, your basic pension is 2017 social average salary If the accumulated medical expenses within the scope of medical insurance exceed 2,000 yuan;

2. Settlement ratio:

50% of the part of the dispatched personnel exceeding 2,000 yuan during the contract period will be reimbursed, and the individual will pay 50% out of pocket %; the maximum amount of outpatient and emergency reimbursement paid to dispatched personnel in one year is RMB 20,000.

3. Insured persons must properly keep the outpatient medical receipts for treatment at designated hospitals (including receipts for large amounts and below, the bottom of prescriptions, etc.) as a voucher for medical expense reimbursement;

< p>4. Outpatient medical treatment for three special diseases: when the insured person needs to seek medical treatment in the outpatient clinic after taking radiotherapy and chemotherapy for malignant tumors, renal dialysis, and kidney transplantation, the second and third third parties of the insured person's medical treatment shall Level designated hospitals issue a "Disease Diagnosis Certificate" and fill out the "Beijing Medical Insurance Special Disease Application Approval Form" and report it to the district medical insurance center for approval and filing. Outpatient medical treatment and medicine collection for these three special diseases are only available in designated hospitals approved for treatment, and cannot be purchased at designated retail pharmacies. If the medical expenses incurred fall within the scope of outpatient special diseases, they will be settled with reference to hospitalization;

5. Inpatient medical treatment

● Hospitalization deposit: For insured persons who meet the conditions for hospitalization, they will be settled after hospitalization At that time, the hospital collects part of the deposit from the insured, and the amount of the deposit is determined proportionally by the hospital based on the condition of the insured person.

If the dispatched personnel unit and insured personnel fail to pay the medical insurance premiums in full and on time, the hospitalization deposit shall be paid in full by the dispatched personnel personally;

● Settlement cycle: every 90 days for insured personnel’s hospitalization One billing cycle: no more than 90 days, each hospitalization is one billing cycle;

● Outpatient radiotherapy and chemotherapy, kidney dialysis, anti-rejection drugs after kidney transplantation, patients with malignant tumors The medical expenses incurred by patients with mental illness who need to be hospitalized all year round are billed every 360 days;

● The medical expenses incurred by the insured person in the home bed treatment of the designated community health service center (station), every 360 days 90 days is a settlement cycle;

● When the insured person is discharged from the hospital or the phased treatment is completed, the dispatched person must first settle the bill with the hospital. The expenses that should be paid by the dispatched person personally and out of pocket should be paid by the basic Medical expenses paid by the medical insurance pooling fund and large-amount medical mutual aid funds shall be reported to the medical insurance center for review and settlement by the hospital;

● Settlement of medical expenses within the scope of the basic medical insurance for hospitalization of insured persons , set the minimum payment line and maximum payment amount of the basic medical co-ordination fund;

● The minimum payment line is 1,300 yuan for the first hospitalization, 650 yuan for subsequent hospitalizations, and the maximum payment limit is 50,000 yuan; if it exceeds Up to the maximum payment limit (excluding the part below the minimum payment standard and the dispatched personnel’s personal burden), 70% of large medical expenses will be paid with mutual aid funds, and the dispatched personnel will bear 30% personally. The maximum payment within a year is RMB 100,000. The settlement standard for hospitalization expenses is based on segmented calculation and cumulative payment within one settlement cycle based on hospital grade and expense amount.

(When various proportions are adjusted, the new standards will apply)

Note: Medical insurance is not exempt for non-public traffic accidents!

Enjoy benefits from unemployment insurance

After paying unemployment insurance continuously for more than one year, the file will be returned to the street. You can enjoy unemployment insurance benefits on the street.

1. Unemployment insurance benefits: refer to the basic living expenses paid by unemployment insurance agencies to eligible unemployed persons in accordance with regulations. It is the most important unemployment insurance benefit. Unemployment insurance benefits are implemented in accordance with relevant documents of Beijing;

2. Medical subsidies while receiving unemployment insurance benefits: refers to subsidies paid to unemployed persons for medical expenses incurred while receiving unemployment insurance benefits. Implemented in accordance with relevant policies and regulations of Beijing;

3. The unemployed person who died while receiving unemployment insurance benefits will be entitled to funeral benefits and work-related injury insurance benefits for his or her dependent spouse and immediate family members

If an accident occurs during the contract period, a statement of the situation must be obtained from the company and stamped Company seal, apply for work-related injury identification as soon as possible (preferably within three working days) and provide the following materials:

1. Initial treatment diagnosis certificate or hospitalization medical record;

2. Occupational diseases Diagnosis certificate (one original and one copy);

3. In case of a traffic accident, an accident ruling from the traffic brigade or a traffic accident certificate from the traffic department is required;

4. ID card Copy;

5. Original labor contract within the validity period

Entitlement to maternity insurance

Expenses related to maternity can be reimbursed. The scope of reimbursement includes, maternity allowance, Childbirth medical expenses, family planning surgery medical expenses, and other childbirth-related expenses stipulated by the state and this city.

Maternity allowance is calculated based on the female employee’s base payment for the month she gives birth divided by 30 and multiplied by the number of maternity leave days. Maternity allowance is the salary of a female employee during her maternity leave. If the maternity allowance is lower than her salary standard, the difference shall be made up by the enterprise.

Maternity medical expenses include medical examination fees, delivery fees, surgery fees, hospitalization fees and drug fees incurred by female employees due to pregnancy and childbirth.

Medical expenses for family planning surgeries include the medical expenses incurred by employees for family planning.

Now it is required that you have paid enough for 20 years of medical insurance and 15 years of pension before you are eligible to receive a pension and enjoy post-retirement medical insurance reimbursement

There is another point that cannot be found online.

First of all, if you go to work in a place other than where your household registration is, for example, your original household registration is in Beijing and you go to work in Shenzhen, no matter whether your household registration is transferred to Shenzhen or not, if you no longer work in Shenzhen in the future, can the five insurances and one fund paid in Shenzhen be transferred? It is very problematic when it comes out, because now the national five insurances and one housing fund are not connected to the Internet, only the Internet in Beijing. That is to say, if you originally worked in one unit in Beijing for a few years and then moved to another Beijing unit to work, the five insurances and one housing fund are like this. There is no problem, but if you jump from other provinces and cities, it will be very troublesome when you transfer. Whether you can transfer or not is still a question

Regarding the three of the five insurances mentioned above, enterprises and individuals must pay the same insurance. What this means is that for pension insurance, for example, if your salary is 2,000, then you personally have to pay 8%, and the employer pays 15% (the above data are all assumptions). These funds are deposited into one of your accounts until you are satisfied and you can enjoy the pension. You can only withdraw it when you are insured (see above for specific conditions). Then, considering the content written in the above paragraph, if the transfer cannot be done, your money will be in vain and you will not be able to withdraw it

All companies and individuals* **The payment part is the same. The same is true for the housing provident fund. For example, according to the salary multiplied by the ratio, if you have to pay 500 every month, the employer will pay you 1,000. If you change jobs and the money cannot be transferred, then your 500 every month will be in vain. You can't withdraw it after you pay it - because you don't meet the conditions for enjoying the housing provident fund, you can only withdraw it when you buy a house

Then someone may ask, what if I don't plan to work when I first start working? Can I not pay the five social insurances and one housing fund during the city's development to prevent my being unable to transfer it in the future? The answer is not at least that part of the three insurances is compulsory by the state, so it is quite helpless

In addition, the base for the five insurances and one fund payment is to take which part of your salary is multiplied by that percentage. The question is like this first. Take a look at the composition of salary: basic salary + various benefits + bonus

Many companies only provide five social insurances and one housing fund based on the basic salary. If it is calculated according to three parts, you will receive more personally, but the unit will pay more. Give you more (the five social insurances and one housing fund paid by both companies and individuals are small for individuals and large for units), so many companies try to save as little as possible in order to save themselves

< p>In addition, there is a lot of trouble with the benefits section, which everyone must ask when signing a contract in the future!

As mentioned before, the housing provident fund is paid by both companies and individuals, but sooner or later, the part paid by the company will also be yours (as long as you buy a house in the future, you can take it out in one go). For example You pay 500 in proportion every month, and your employer may give you a 1,000 subsidy. Although the 1,500 cannot be withdrawn before you buy a house, in theory, the 1,000 is also given to you, so some companies will count the 1,000 as being given to you. In fact, the benefits should not be counted! ! ! ! Because the 1,000 is fictitious and you can’t withdraw it if you don’t buy a house. So when you sign, you should ask whether the housing provident fund is included in the benefits. Be careful! Be careful!

The current corresponding payment standards in Beijing are:

Pension insurance payment: 20% for units (17% of which is transferred to the overall fund and 3% to personal accounts), 8% for individuals ( All transferred to the personal account);

Medical insurance payment: 10% for the unit, 2% + 3 yuan for the individual;

Unemployment insurance payment ratio: 1.5% for the unit, 0.5% for the individual; < /p>

Work-related injury insurance determines its work-related injury rate based on the industry scope into which the unit is divided, and individuals do not pay;

Maternity insurance payment ratio: 0.8% for units, and individuals do not pay.

Proportion of provident fund payment: According to the actual situation of the enterprise, choose the proportion of housing provident fund payment, which is generally 8% to 10%. In principle, the maximum payment amount shall not exceed 300% of the average salary of Beijing employees.

(Note "Coordination Fund": In the process of gradually transforming the pension insurance system from a state-unit system to a state-society system, national coordination is needed to solve problems such as uneven economic development and population aging. (1) A social pooling fund is established based on corporate contributions; (2) Personal accounts are established based on employee and corporate contributions; (3) The government bears the management costs of the pension insurance fund. This semi-financial pool combines social pooling and personal accounts. The fund system is conducive to coping with China's aging population crisis, gradually dispersing the transition costs from the old system to the new system, and gradually realizing the transformation from the enterprise pension insurance system to the individual pension insurance system)

Four insurances and one fund. The payment amount has different regulations in each region, and the base is based on the total salary. Some companies pay basic wages and some related subsidies, but some companies pay only basic wages, which is against the law. Please consult your local labor department for specific ratios.

Withdrawals from pension insurance, unemployment insurance and medical insurance can only be received under legally permitted circumstances, and are issued by the insurance registration department. For example, "pension insurance can only be withdrawn after reaching the legal age." Yes, you must meet certain conditions to receive unemployment insurance benefits. For example, if you go to the sub-district office where your household registration is located to apply for an unemployment certificate and apply for a job search certificate at the same time, it means that you must be willing to find a job after being unemployed. Only with these conditions can you receive it. . If you don’t want to work after losing your job, insurance benefits cannot be paid to you. In addition, pension and unemployment benefits cannot be enjoyed at the same time.