What is Social Security? How much does it cost per year?

Specific social security composition ratio is:

Pension insurance: unit every month for you to pay 21%, you pay 8%;

Medical insurance: unit every month for you to pay 9%, you pay 2% plus 10 yuan of the general medical co-ordination (general medical co-ordination of the hospitalization of this);

Unemployment insurance: unit every month for you to pay 2%, you pay 1%;

Workers compensation insurance: unit every month for you to pay 0.5%, you don't pay a penny;

Workers compensation insurance: unit every month for you to pay 0.5%, you don't pay a penny.

Unemployment insurance: the unit pays 2% for you every month, you pay 1%;

Worker's compensation insurance: the unit pays 0.5% for you every month, you don't have to pay a penny;

Maternity insurance: the unit pays 0.8% for you every month, you don't have to pay a penny;

Housing provident fund: the unit pays 8% for you every month, you pay 8% for you;

Above all, so that it comes down to this, the unit will pay for your social security every month. unit each month for you to pay the proportion of social security should be 21% + 9% + 2% + 0.5% + 0.8% + 8% = 41.3%

Your own each month for you to pay the proportion of social security should be 8% + 2% + 10 yuan + 1% + 8% = 19% + 10 yuan

Temporarily removed from the $ 10 you pay do not talk about the proportion of the unit to pay the proportion of your payment and the proportion of the unit to pay the proportion of the unit to pay the proportion of the unit to pay the proportion of the unit to pay the proportion of the unit to pay the proportion of the unit to pay the proportion of your payment should be 413:190. 413:190, that is to say, if you pay 190 dollars a month for their own social security, then the unit will be your social security account into 413 dollars, every month your social security account on the increase in the money should be 413 + 190 = 603 dollars

So that you can not see the case, the unit to pay social security costs is actually more than twice as many as you, so you pay social security premiums every month when you don't want to pay, you should not pay. The first thing you need to know is that you can't pay your social security premiums every month, so don't feel bad about it!

Talking back to the three insurance a gold and five insurance a gold, here we should have seen, in fact, the jianghu said three insurance a gold is completely equal to the five insurance a gold, just three insurance a gold is from your personal insurance (old age + medical + unemployment + provident fund) to say, five insurance a gold is from your unit to pay the insurance (old age + medical + unemployment + injury + maternity + provident fund) to say. The three insurance and one gold said five insurance and one gold in fact just say it sounds good.

In addition to the unit can pay for your social security, in fact, no work but have income or have a unit but the unit does not pay social security personnel can also pay for their own social security, but the individual can only pay the pension insurance + medical insurance, work injury ah birth ah unemployment ah provident fund, ah, you personally can not pay up.

Here is what is the social insurance payment base

Just now you already know the proportion of social security paid by the unit each month and the ratio of your payment is almost 413:190, so now there is another problem: the social security premiums paid each month and what is the relationship between this ratio, social security premiums in the end is how to determine it?

You may not have noticed, each province and city will be released in early July each year, a "social insurance minimum payment base", the base is based on the previous year's average salary + benefits + a variety of subsidies and other miscellaneous costs after statistics and calculations after the determination of the Nanjing July this year, the minimum base is announced! 1189 yuan, this is what it means, it means that Nanjing as long as the formal social security units for employees to pay, every month for each employee to pay at least 1189 × 41.3% = 491 yuan, and employees to pay at least 1189 × 19% + 10 = 236 yuan per month, so you and the unit should be paid every month social security premiums came out.

But now there is a new problem, Nanjing workers wages vary greatly ah, some people get 1000 a month, some people can get 10,000 a month, do you want to get 1000 and get 10,000 are paying the same social security premiums?

Please note that this 1189 is the lowest base, in 1189 above the highest base, Nanjing this year's highest base seems to be more than 8,000, I have forgotten, anyway, if your salary every month in 1189 yuan below, the unit must be in accordance with the 1189 yuan for you to pay 1189 × 41.3% = 491 yuan, and your own every month at least 1189 × 19% + 10 = 236 yuan, and you have to pay 1189 × 19% + 10 = 236 yuan, and you have to pay 1189 × 19% + 10 = 236 yuan. 19% + 10 = 236 yuan, this is 1189 as the minimum social security contribution base of the significance of it: even if you get 1000 or 800 yuan a month, you must pay the minimum monthly in accordance with the 1189!

But if your salary is higher than 1189, for example, you get 3,000 yuan a month, then the unit to the labor bureau to pay your insurance (your unit and you pay the social security fees are deducted by the labor bureau Oh ~) should be on the labor bureau to say: "ah ah, a comrade on our side to get 3,000 a month, according to 3,000 yuan of the standard deduction. Please deduct the social security premium at the rate of 3,000 dollars." Then the labor bureau will pay 3000 for the base to deduct your unit and your money and then hit your social security account, your unit should pay 3000 × 41.3% = 1239 yuan per month for you, and you should pay 3000 × 19% + 10 = 580 yuan per month.

That is, if your salary is below 1189 yuan, then every month you pay according to 1189; if your salary is above 1189 yuan, then every month you pay according to your actual salary, unless your salary is higher than the maximum base, if you take 10,000 a month and the maximum base is 8,000, then you and your unit are in accordance with the 8,000 to pay

Here to expose the shameless practice of some companies, these companies may give you thousands of dollars a month, but they go to the labor bureau to declare your base will not be in accordance with your actual salary to report, for example, if you take 3,000 yuan a month, they go to the labor bureau, they may say that you only take 1,189, and then the labor bureau every month to deduct only 1,189 × 19% + 10 = 236 yuan, you are afraid to be very happy, you will be very happy, you will be very happy. I'm afraid that you are also very happy, because you feel that the deduction of your money less, you actually get more money in hand. If so your company is too shameless! Because the company's contribution is more than twice as much as yours, so the less you pay, the less they also

pay! If your actual salary of 3,000 to calculate, they should pay you 3,000 × 41.3% = 1,239 yuan of social security contributions per month, while according to the 1,189 to calculate, they only pay 1,189 × 41.3% = 491 yuan per month for you! So you're actually at a huge disadvantage! The regular company will only according to your actual salary to the labor bureau to declare and deduct money! Only those underhanded companies will pay you the minimum regardless of your salary!!!! Don't think that the less you have to pay each month, the better! You may have been shamelessly bullied by the company and you are still completely unaware!!!!

To determine the unit for you in the end to pay the base is how much is very simple: if you deduct 300 dollars a month of social security, then your base is almost 300 ÷ 19% ≈ 1578 yuan, you look at your salary is not this number, if your salary is obviously higher than 1578, for example, every month, you actually get 3,000 or 4,000, then certainly you have been bullied by the company to the company, to be bullied. After the bullying you can go to the local labor inspection brigade to sue your unit, generally a quasi, but it is best to leave the evidence (such as pay stubs, etc.) to find a good and then sued, or you sued after the company generally do not mix - +

To once again explain is that the composition of social security ratios of the various localities are not the same, if you're not in Nanjing, then the percentage of your contribution is probably not 19%, but certainly not too much, but the difference is not too much. But certainly not too much difference, for example, your base may be 20% or 22%, but definitely not 30% or 40%! So although 19% is the proportion of Nanjing, but foreign students can rely on this roughly calculate their own base

The following introduction to the social security contributions to the specific situation and how to use the previous has been said, social insurance = pension insurance + medical insurance + workers' compensation insurance + maternity insurance + unemployment insurance + housing fund

First, the old-age insurance

This is a good

This insurance generally have to pay a lot of money to pay for the insurance

This is the first time that you have to pay a lot of money to the insurance company. p>This insurance generally have to pay 15 years to the retirement time to enjoy the pension for life, so want to take the pension students please be sure to start paying 15 years before their retirement, this is outside of Nanjing is almost the same rules. If you to the retirement age to pay the pension insurance less than 15 years, then wait until your retirement time the state will be your personal account on the deposit of 8% of the pension all the way back to you

Then you will ask, the unit to you to pay the 21% to where to go? This you do not expect the state will give you, you retire to your personal money away, the state unit for you to pay all the 21% of the money to the national pension fund, from this money and you have nothing to do. You may say: Damn! That's my money why not give me

Because the state is so stipulated

Returning the money only to the individual he deducted the money paid by the individual, the unit for him to pay all the money for the country to make a contribution -

We look at the following when you retired pension is how to calculate

The algorithm of the pension is very complex, because every year the state will change the contribution base to a different amount of money. will change the contribution base once a year, for example: if you are now 30 years old, your current contribution base is 3,000 yuan, and the retirement age if 55 years old, then you have to start paying the pension insurance before you are 40 years old, and if you are now from the age of 30 years old to pay, pay to the age of 55 years old is 25 years, then first of all, sure that you can enjoy the pension, and secondly, if 25 years after you pay the 3,000 yuan of the contribution base has become 6,000 yuan (I said if), then you are 55 years old, first of all, you can get 6,000 × 20% = 1,200 yuan per month of the basic pension, which is the state to you, in addition to your personal account money in 25 years has accumulated a lot of contributions to the base of the average of the good, (3,000 + 6,000) ÷ 2 = 4,500, then your personal account in these 25 years, you will be able to enjoy the pension, but also to pay for the pension. Then you should have this 25 years on the personal account 4500 × 8% (you pay the proportion of the individual pension insurance) × 25 years × 12 months = 108,000 yuan, then in addition to the previous 1200 yuan you can get every month 108,000 ÷ 120 = 900 yuan, so that you are 55 years old and start to get at least 1,200 + 900 = 2,100 yuan per month of pension! More, now pay 1000 ten years later to get 1500 are possible here to introduce a perverted policy, that is, no matter where you pay social security premiums, when you retire you can only go back to your hukou to enjoy the local retirement treatment, so see, in the base of a high place to pay social security but retired back to the base of a low place to enjoy the pension of the people that would have lost a lot of money, why is it so? Let me give an example, if you are young when you work in Nanjing, paid 20 years of social security and then retired, but if your account in Heilongjiang, then you must go back to Heilongjiang to enjoy the pension. If you paid for 20 years in Nanjing with an average base of 3000 (I'm talking about if), and when you retire the contribution base in Heilongjiang is only 1000 (I'm talking about if), then you can only enjoy 1000 when you retire! This is a big loss! In a word, if you pay social security in a rich place but retire to a poor place to enjoy social security, then you pay a lot of life but enjoy very little! If you pay 3,000 dollars, you may only get 1,000 dollars! This is a very scary thing, but there is no way, the country is this policy, so please all the current account in the west and other base of low places but in Beijing or Shanghai and other base of high places to work to pay social security students pay attention to, you either in the west to pay social security, or in the retirement of the account before moving to Beijing or Shanghai, or else you are doing life a huge loss of business

Then perhaps you will say

If my account in Nanjing, then I in Heilongjiang to pay 20 years is not good, in the base of the low payment, retirement back to the base of the high place to enjoy high benefits. Wrong! You think the Nanjing Labor Bureau will just let you enjoy it?! Usually in this case Nanjing will find a reason to refuse to transfer you! Then you'll be smart: you can't enjoy it in Heilongjiang, and you can't enjoy it in Nanjing either!

But some places in such a situation have some easing of the provisions, such as Nanjing allows you to retire before 5 years from the base of the low places to transfer back to Nanjing, and then continue to pay 5 years in Nanjing, Nanjing's high base, and then it allows you to return to Nanjing to enjoy the pension. This policy is not the same in all places, and it is best to go to your local labor bureau to get this right now, so that you don't have any unexpected accidents when you retire.

The following medical insurance

The national policy of this insurance is quite good, the important thing is that the hospitalization reimbursement of a lot. As I said before, the unit to pay your monthly medical insurance is 9%, you pay your personal monthly medical insurance is about 2% plus 10 yuan of the general medical co-ordination, the general medical co-ordination does not care about anything else only care about your hospitalization, and that 11% of the country every month to your medical account to play belong to your own 2%, if you pay every month in accordance with the minimum base of 1,189 yuan of social security, then 1,189 x 2% = 23.78 yuan is the state every month to your personal money, this money you can accumulate directly to the card to buy drugs or outpatient clinic, the remaining 9%

The state will be taken to the medical fund

According to the provisions of the Nanjing, if you start to pay health insurance in January 2007, then from February 2007 you will be able to card to buy medicines or outpatient clinic, from July 2007 to July 2007, you will be able to buy medicines or outpatient clinic, and from July 2007 to July 2007, you will have the opportunity to buy medicines or outpatient clinic.

If you were hospitalized on August 1, 2007, and stayed at the best tertiary hospital in Nanjing, and used medicines within the scope of medical insurance during your hospitalization, and spent 5,000 yuan on surgery and hospitalization, then the medical insurance center would deduct 1,000 yuan from your reimbursement. This is the starting price, the remaining 4000 yuan health insurance center can be reimbursed 4000 × 86% = 3440 yuan, you only need to pay 4000 × 14% = 560 yuan on it, plus the previous 1000 yuan starting price, you spent 5000 yuan on their own as long as the payment of 1560 yuan on it, and this 1560 yuan can be deducted from your health insurance card (if you usually do not use that card), and this 1560 yuan can be deducted from your health insurance card (if you usually do not use that card), and this 1560 yuan can be deducted from your health insurance card (if you usually do not use that card), and this 1560 yuan can be deducted from your health insurance card (if you usually do not use that card).

But in practice, many people do not pay attention to save evidence, resulting in their inability to enjoy the work injury insurance, it is a pity if you are off-duty when hit by a car, you should quickly call the police to investigate the record and take pictures of the evidence collected, the police will give you an accident after the processing of the appraisal of what you can take this to the unit to ask for the report of the work injury if you are out of work on the random people run away and do not look for witnesses do not report to the police or anything else, the case of no evidence will not be generally accepted as a work injury.

There is also a statute of limitations for work-related injuries, if you have a work-related injury on July 1, 2007, you must immediately report to the unit, the evidence issued by the police and the accident identification certificate and your work-related injuries to see a doctor or hospitalized medical records to the unit, so that the unit to take these materials to do the identification of work-related injuries, your unit must be August 1, 2007, before you send the valid materials to the work-related injury identification center, if the distance from your work-related injuries to the work-related injury identification center, the unit must take these materials to the work-related injury identification center. Appraisal Center, if the day of your injury is more than one month, the injury may not be identified. If your unit does not give you appraisal, then you can take the material to the appraisal center appraisal, it is best not to exceed one month, otherwise it will be very troublesome and troublesome

The following maternity insurance

This is also an example of a good, if you are a woman, the monthly salary of 1,000 yuan, January 1, 2007 to start to pay maternity insurance, the base of the contribution is 1189, and you are pregnant in March 2007, you will have to pay the maternity insurance, the base of the contribution is 1189, and you have to pay the maternity insurance, and you have to pay the maternity insurance. You are pregnant in March 2007, the end of December 2007 gave birth to a child, discharged from the hospital in January 2008, then you have to quickly after the discharge of the marriage certificate (unmarried children can not be reimbursed) + only child certificate (generally speaking, the birth of two children can not be reimbursed) + medical records + build a large and small card examination and hospitalization and surgical costs of all the invoices + hospitalization lists + hospitalization summary of these all the materials to the company, if you are pregnant If you are pregnant and spend 500 yuan for examination, hospitalization and surgery when giving birth to a child spent 2000 yuan, generally speaking, the company in the scope of the health insurance can basically reimburse you for all the reimbursement, reimbursement of the money to you include: 500 yuan for examination + 2000 yuan for hospitalization and surgery + 1,189 yuan / month × 4 months = 7,256 yuan, 1,189 yuan / month × 4 months, which is the health insurance center special reimbursement for

Girls subsidized, only girls reimbursement can get

The state requires that girls reimbursement of maternity insurance must be given to the average salary of 4 months, so you give birth to a child reimbursement not only do not spend money but also can earn 4 months of salary!

If you pay more than your salary, for example, if you pay 1,000 yuan for 1,189 yuan, then you have earned it

You have to pay for maternity insurance for at least one year before you can enjoy it,

And there is also the question of whether a man who pays for maternity insurance is entitled to it.

If you are a man, your wife does not work or work unit does not pay insurance, and she gave birth to a child when you pay maternity insurance has been more than a year, then you can reimbursement of maternity insurance Oh, but in the case of the previous example, you can only reimbursement of 500 yuan of examination fees + 2000 yuan of half of the hospitalization surgical fee = 1250 yuan, subsidies of 1,189 yuan / month x 4 months of salary you You won't be able to enjoy it! The first thing you need to do is to find an organization to pay for maternity insurance a year in advance, so you can earn money. And if a guy wants to marry, it's best to marry a girl who has already paid a year's worth of maternity insurance when she has a baby, and who pays a higher base amount than her own salary. However, if she really does not have insurance is okay, you can also reimburse her for maternity insurance, but you do not have to subsidize the 4 months of salary to take, and the cost of the report you can only get back half.

Unemployment insurance

Unemployment insurance, this is also to pay a full year to enjoy, generally pay 1 year to get 2 months, pay 2 years to get 4 months, but a lifetime of up to 24 months. For example:

If you start paying insurance on January 1, 2007, in January 2008 you were dismissed by the company, then you can let the company give you 2 months of unemployment insurance, if the year you are to 1189 the base of the insurance, then you can get at least 2 months more than 800 yuan or you start paying insurance on January 1, 2007, in January 2008, you can get more than 800 yuan or you and the company contract expired. and the expiration of the company's contract, you do not want to renew the contract, then you can also leave the company before the company to let you go to get 2 months of unemployment insurance, is more than 800 yuan, that is to say, the expiration of the contract or the company dismissed, you can be in accordance with the proportion of the year to get 2 months of unemployment benefits to ask the company to give you to do if the company does not give you to do it, you can go to the lawsuit, a lawsuit a quasi-prosperity.

But if your contract is not due to resign, then even if you pay a full year can not enjoy the unemployment insurance

As long as the resignation of their own, not to mention the payment of 1 year, is to pay for 10 years of unemployment insurance to the resignation of the time you can not get a penny.

Housing Provident Fund is a good thing

To put it this way, if you pay 200 dollars a month for the provident fund, then the company every month to your account to play 200 dollars, you buy a house when this is 400 dollars, if you pay 50,000 for the rest of your life, then your account is 100,000 dollars, this kind of good thing we must not refuse ah.

Public Provident Fund can be used to buy a house, pay the loan, renovation and what not, if your own home can find land to build a house, the money to build a house can also be paid from the Public Provident Fund

If you have not been using this money, and finally retired seems to be able to take all the money out of the bar

Extension of reading: insurance how to buy, which is good, hand to hand to teach you to avoid insurance these "