Hebei Province’s five insurances and one housing fund payment ratio

Pension insurance payment ratio

The payment ratio is divided into two categories: enterprise participation and individual worker participation:

All types of enterprises pay contributions based on employee wages. Employees pay 20% of the total payment base, and employees pay 8% of the personal payment base. The portion payable by employees will be withheld and paid by the enterprise.

Self-employed workers, including individual industrial and commercial households and freelancers, pay 18% of the payment base, all of which are borne by themselves.

Medical insurance payment ratio: Basic medical insurance is 2% of the salary base paid by individuals and 8% of the salary base paid by the unit.

Unemployment insurance payment ratio: 1% of the salary base paid by individuals and 2% of the salary base paid by the unit.

Maternity insurance payment ratio: Maternity insurance premiums are paid monthly by the employer, and the maternity insurance premiums are paid in a ratio of 0.5 to 1. Individual employees do not pay maternity insurance premiums.

The payment ratio of work-related injury insurance is: 1 for the unit and 0.2 for the individual. However, the work-related injury insurance rate is determined based on the industry scope into which the unit is divided, ranging from 0.5 to 2.

Contribution ratio of five social insurances and one fund in various cities in Hebei

Shijiazhuang

Pension insurance: unit, 20, individual, 8

Medical insurance : Unit, 8, individual, 2

Work-related injury insurance: Unit, 1, individual no need to pay

Unemployment insurance: Unit, 2, individual, 1

Maternity Insurance: Unit, 0.8, individual no need to pay

Housing provident fund: unit, 11, individual, 7

Qinhuangdao

Endowment insurance: unit, 20, individual 8

Medical insurance: 6.5 for the employer, 2 for the individual

Maternity insurance: 0.6 for the employer, no fee for the individual

Work-related injury insurance: 0.5, 1, and 1.5 for the employer Payment, the specific ratio is subject to the business license, individuals do not pay fees

Unemployment insurance: unit 2, individual 1

Tangshan

Pension insurance payment ratio: 20 units, 8 individuals

Medical insurance payment ratio: 8 units, 2 individuals

Unemployment insurance payment ratio: 2 units, 1 individual

Work-related injury insurance payment ratio : The base rate of work-related injury insurance is determined according to the degree of work-related injury risk in different industries. The industry-differentiated rates are: the rate for the first-class industry is 0.5; the rate for the second-class industry is 1; the rate for the third-class industry is 2. Individual employees do not pay work-related injury insurance premiums.

Maternity insurance payment ratio: 0.8 for the unit, and no maternity insurance premium for individual employees

Housing provident fund payment ratio: The minimum housing provident fund payment ratio for the unit and individual shall not be lower than that of each individual. 5. Starting from January 2014, the maximum unit deposit ratio for administrative institutions is 12, and the individual deposit ratio remains unchanged for the time being. Enterprises and other units shall follow the instructions of administrative institutions. The unit's own economic status can increase the deposit ratio, but the sum of the unit and individual deposit ratios shall not exceed 24.

The "five insurances" refer to five types of insurance, including pension insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; the "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.

Nearly 40% of working people have the standard "five insurances", and the specific ratio is 36.7. But at the same time, 35.6% of working people said they did not have any insurance protection. 18.7% of working professionals said they have three relatively standardized insurances, namely pension insurance, medical insurance and unemployment insurance. Comparing the survey data on the insurance status of workplace workers conducted by **Recruitment in 2006, 44.1% of workplace workers did not have standardized insurance at that time, but now this proportion has dropped by 7.4 percentage points.

Legal basis:

"Social Insurance Law of the People's Republic of China"

Article 2 The state establishes basic pension insurance, basic medical insurance, and work-related injury insurance , unemployment insurance, maternity insurance and other social insurance systems to protect citizens’ rights to obtain material assistance from the state and society in accordance with the law in the event of old age, illness, work injury, unemployment, childbirth, etc.

Article 38 The following expenses incurred due to work-related injuries shall be paid from the work-related injury insurance fund in accordance with national regulations:

(1) Medical expenses and rehabilitation expenses for the treatment of work-related injuries;

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(2) Hospitalization food subsidy;

(3) Transportation, food and accommodation expenses for medical treatment outside the coordinated area;

(4) Installation and configuration of assistive devices for the disabled Required expenses;

(5) Living care expenses confirmed by the Labor Capacity Appraisal Committee for those who cannot take care of themselves;

(6) One-time disability benefits and level 1 to 4 Disability allowance received by disabled employees on a monthly basis;

(7) One-time medical subsidy that should be enjoyed when the labor contract is terminated or terminated;

(8) Death on the job , the funeral subsidy, dependent relative pension and work-related death subsidy received by the surviving family members;

(9) Labor ability appraisal fee.