What if the company's social security deducts wages?

Social security includes: endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself; ?

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major illness co-ordination mainly covers hospitalization); ?

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%; ?

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself; ?

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

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself?

Above all, in this way, the social security ratio that the company pays for you every month should be 21%+9%+2%+0.5%+0.8%+8% = 41.3%?

Your monthly social security payment should be 8%+2%+10+1%+8% =19%+10?

Leaving aside 10 paid by Yuan You for the time being, the ratio paid by the company and yours should be 4 13: 190, which means that if you pay 190 yuan's social security every month, the company will put 4 13 yuan into your social security account and add it to your social security account every month.

So when you can't see it, the social security fee paid by the company is actually more than twice that of you, so don't feel bad when you pay social security every month ~ you know that the company pays much more than you, but it is the company that feels bad. ?

Back to three insurances and one gold and five insurances and one gold, everyone should have seen it here. In fact, the three insurances and one gold mentioned in Jianghu are completely equal to five insurances and one gold, except that the three insurances and one gold come from the insurance paid by you personally (pension+medical care+unemployment+provident fund), and the five insurances and one gold come from the insurance paid by your company (pension+medical care+unemployment+work injury+maternity+provident fund). Just say that three insurances and one gold are five insurances and one gold. ?

In addition to the company can pay you social security, in fact, people who don't have a job but have income, or people who have a company but don't pay social security can also pay social security themselves, but individuals can only pay endowment insurance+medical insurance, work injury, maternity, unemployment and provident fund, which you can't pay personally. ?

What is the base of social insurance payment?

Just now, we all know that the monthly social security payment ratio of the company is almost 4 13: 190, so now there is another question: What is the relationship between the monthly social security payment and this ratio? How is the social security fee determined?

You may not have noticed that every province and city issues a "minimum payment base for social insurance" at the beginning of July every year. This base is based on the average salary of employees+welfare+various subsidies in the previous year, which is determined after statistical calculation. The minimum base number announced by Nanjing in July this year is 1 189 yuan. What does this mean? It means that as long as Nanjing is a regular organization that pays social insurance for employees, the minimum monthly payment for each employee is1189× 41.3% = 491yuan, and the employees must at least pay189×19%+. ?

But now there is a new problem. The wages of employees in Nanjing vary greatly. Some people earn 1000 a month, while others earn 10000 a month. Does it mean that people who get 1000 pay the same social security fee as those who get 10000?

Please note that this 1 189 is the lowest radix, and there is a highest radix above 1 189. Nanjing's highest base this year seems to be more than 8,000. I forgot the details, too Anyway, if your salary is below 1 189 yuan per month, the company must also pay189 yuan +089 × 4 1.3% = 49 1 yuan, and you must pay at least/kloc-0 per month. This is the significance of 1 189 as the minimum payment base of social security: even if you get 1000 or 800 yuan a month, you have to pay the minimum amount of 1 189 every month! ?

However, if your salary is higher than 1 189, for example, you get 3,000 yuan a month, then when your company goes to the labor bureau to pay insurance for you (the social security fee paid by your company has been deducted by the labor bureau), you should say to the labor bureau, "Yes, we have a comrade here who gets 3,000 yuan a month, please follow 3,000 yuan. Then the Labor Bureau will deduct your company and your money based on 3000 yuan, and then pay it to your social security account. At this time, your company will pay you 3000×4 1.3% = 1239 yuan every month, and you will pay 3000× 19 yuan every month. That is to say, if your salary is below 1 189 yuan, then you should pay according to 1 189 every month; If your salary is above 1 189 yuan, you will pay according to your actual salary every month, unless your salary is higher than the maximum base. If you get 10000 a month and the maximum base is 8000, you and your company will pay it according to 8000. ?

Here, I want to expose the shameless practices of some companies. These companies may give you thousands of wages every month, but when you go to the labor bureau to declare your base, you will not report it according to your actual salary. For example, if you take 3,000 yuan a month, they may say that you only take 1 189×6589 yuan, and then the labor bureau will only deduct you 1 189×659 yuan a month.

No! If so, then your company is shameless! Because the company pays twice as much as you, the less you pay, the less they pay! If calculated according to your actual salary of 3,000 yuan, they should pay you 3000×4 1.3% = 1239 yuan per month, while if calculated according to 1 189×4638, they will only pay you/kloc-0 per month. So in fact, you suffered a big loss! Regular companies will only report to the labor bureau according to your actual salary and deduct money! Only those cheap companies will pay you according to the minimum standard no matter how high your salary is! ! Don't think that the less you deduct from your social security fee every month, the better! ! Maybe you have been shamelessly bullied by the company and you have no idea! ! ! ?

It's simple to determine the base number paid by the company for you: 300 yuan social security is deducted every month, and your base number is almost 300÷ 19%≈ 1578 yuan. See if your salary is this amount. If your salary is significantly higher than 1578, for example, you actually get 3000 or 4000 a month. After being bullied, you can go to the local labor inspection brigade to sue your company. Generally speaking, you can tell the truth when you sue, but you'd better find evidence (such as salary slips) before you sue, otherwise you won't be able to mix up in the company after you sue-+?

Explain again that the proportion of social security varies from place to place. If you are not in Nanjing, your contribution rate is probably not 19%, but it will certainly not be too bad. For example, your base number may be 20% or 22%, but it will never be 30% or 40%! So although 19% is the proportion of Nanjing, students from other places can also calculate their own base?

What is the specific situation of these social insurance premiums and how to use them?

Social insurance = endowment insurance+medical insurance+industrial injury insurance+maternity insurance+unemployment insurance+housing accumulation fund?

Endowment insurance?

Generally, this insurance will be paid after 15 years before you retire, so students who want to get a pension must start paying before 15 years before you retire. This is similar outside Nanjing. If you pay the old-age insurance at retirement age, and it is less than 15 years, the state will return all the 8% pension stored in your personal account to you when you retire?

Then you will ask, where is the 2 1% paid by the company? You can't expect the country to give it to you. After you retire and take away your personal money, the state will transfer all 2 1% of the money paid by the unit to the national pension fund. From then on, the money has nothing to do with you. You might say: damn it! That's my money. Why don't you give it to me?

Because that's what the state stipulates. When returning money, only the money deducted by the individual himself is refunded, and the money paid by the unit for him has contributed to the country.

Let's take a look at how your pension is calculated when you retire.

The algorithm of pension is very complicated, because the country will change the payment base once a year. For example, you are now 30 years old, and your current payment base is 3,000 yuan. If the retirement age is 55, then you must start paying the old-age insurance before you are 40 years old. If you start paying at the age of 30 now and pay for 25 years at the age of 55, then you must enjoy the pension first. Secondly, if the payment base of 3,000 Yuan You in 25 years becomes 6,000 yuan (I mean if), then at the age of 55, you can get a basic pension of 6,000× 20% =1.200 yuan every month, which is given to you by the state. Besides, you have accumulated a lot of money in your personal account for 25 years. Average the payment base, (3,000 yuan), so there should be 4,500× 8% (the proportion of old-age insurance paid by individuals )× 25×12 months =108,000 yuan in your personal account in these 25 years, so you can get/in addition to the previous 1200 yuan. In this way, from the age of 55, you can get at least 1200+900=2 100 yuan pension every month. Of course, the national base is still rising every year. In this way, apart from my 900 yuan, I will get more money every month after retirement than 1200 yuan, so my pension will definitely increase?

Therefore, the more pension insurance you pay, the better. The more you give, the more you enjoy after retirement. And after the country adjusts the base every year, you will get more and more money. It is possible to pay 1000 now and get 1500 ten years later.

There is an abnormal policy here, that is, no matter where you pay social security fees, when you retire, you can only go back to your domicile to enjoy local retirement benefits. Therefore, people who pay social security in places with high base but retire to places with low base to enjoy pensions will suffer great losses. Why do you say that? Let me give you an example. If you worked in Nanjing when you were young, paid social security for 20 years and then retired, but if your hukou is in Heilongjiang, you must go back to Heilongjiang to enjoy the old-age care. If you have paid in Nanjing for 20 years, the average base is 3,000 yuan (I said if), but when you retire, the base of payment in Heilongjiang is only 1000 yuan (I said if), then you can only enjoy 60 yuan when you retire. This is a loss! In short, if you pay social security in a rich place and retire to a poor place to enjoy social security, you will pay a lot but enjoy very little in your life! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is nothing we can do. This is a national policy. So please pay attention to all students who work in places with low base such as the west but high base such as Beijing or Shanghai. Either you pay social security in the west, or you move your registered permanent residence to Beijing or Shanghai before you retire, otherwise you are doing a huge loss-making business in your life. Then maybe you will say, if my registered permanent residence is in Nanjing, it's good for me to pay in Heilongjiang for 20 years, pay in a place with a low base, and enjoy high welfare after retirement. No! Do you think Nanjing Labor Bureau lets you enjoy it like this? ! Generally speaking, Nanjing will find reasons to directly refuse your transfer! You will be smarter than you at that time: Heilongjiang can't enjoy it, and Nanjing can't enjoy it! But some places have some loose regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay a high base in Nanjing for five years before allowing you to return to Nanjing to enjoy a pension. This policy is estimated to vary from place to place. Students who plan to transfer in the future had better go to your local labor bureau to find out about this problem now, so as to avoid accidents when they retire! ?

Medical insurance?

The policy of this insurance country is not bad, but the important thing is that there are many reimbursement for hospitalization?

As I said before, the company pays 9% medical insurance every month, and your monthly medical insurance is about 2% plus serious illness 10 yuan. This serious illness co-ordination only cares about your hospitalization, and the state will put your own 2% into your medical insurance account every month in the form of 1 1%. If you pay 165438 every month, then 1 189×2%=23.78 yuan is the money that the state calls you personally every month. You can accumulate this money and buy medicine directly by credit card or go to outpatient clinic, and the remaining 9% of the country will be taken to the medical pooling fund?

According to the regulations of Nanjing, those who pay medical insurance from June 5438+0, 2007, will pay for medicine or outpatient service by credit card from February, 2007, and hospitalization expenses will be reimbursed from July, 2007. This report is quite complicated. For example, in August 2007 1, I was hospitalized in the best tertiary hospital in Nanjing. Surgery+hospitalization and other expenses cost a total of 5,000 yuan, so the medical insurance center will deduct 1 1,000 yuan when reimbursing, which is the starting price. The remaining 4000 yuan can be reimbursed by the medical insurance center according to 4000×86% = 3440 yuan, and you only need to pay 4000× 14% = 560 yuan, plus the previous 65438+. You only need to pay 1560, and it's 5,000 yuan. This 1560 yuan can be deducted from your medical insurance card (if you don't use that card often), so in fact, it won't cost you much to stay in hospital. Medical insurance is much more important to us young people than old-age insurance. After all, hospitalization is too fucking expensive, which is also the most important significance of participating in social insurance. However, Nanjing stipulates that you must pay 25 years of medical insurance after retirement to enjoy it for life. So if you retire at the age of 55, you must start paying medical insurance at the latest at the age of 30?

Industrial injury insurance?

This kind of insurance is rarely used in practice, and I don't have much contact with it. Need to be reminded that this insurance will be used if you have an accident at work or at work. However, in practice, many people do not pay attention to the preservation of evidence, resulting in their inability to enjoy work-related injury insurance, which is a pity. If you get hit by a car after work, you should call the police quickly and let the police investigate the records and take photos to collect evidence. The police will give you an accident certificate or something after handling it, and you can take it to the unit to ask for a work-related injury report. If something happens to you, you just let people run away, and you don't call the police or anything. Won't it be considered a work-related injury without evidence?

There is also a time limit for work-related injuries. If you have a work-related injury on July 1 2007, you must report it to the unit immediately, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of seeing a doctor or being hospitalized after the work-related injury to the unit, so that the unit can take these materials for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August 1 2007. If it has been more than one month since the date of work-related injury identification, the work-related injury may not be identified. If your company doesn't appraise you, you can take the materials to the appraisal center for appraisal, and it's better not to exceed one month, otherwise it will be very troublesome?

Maternity insurance?

Let's take this for example. If you are a girl, your monthly salary is 1 0,000 yuan, and you started to pay maternity insurance in June 2007 at 65438+ 10/.The payment base is 1189, but you were pregnant in March 2007, in 2007. Then after you leave the hospital, you should quickly submit all the materials such as marriage certificate (unmarried children can't be reimbursed)+one-child certificate (generally speaking, two children can't be reimbursed)+medical records+all invoices for building a large and small card check and hospitalization surgery fees+hospitalization list+discharge summary to the company. If the pregnancy test costs 500 yuan when giving birth to a child, and the hospitalization expenses and operation expenses cost 2000 yuan, generally speaking, within the scope of medical insurance, the company can basically reimburse you. The money given to you after reimbursement includes: 500 examination fee +2000 hospitalization operation fee+1/89 yuan/month× 4 months = 7256 yuan, 165438 yuan/month× 4 months, which will be reimbursed by the medical insurance center.

The state stipulates that the average salary of a girl in maternity insurance reimbursement must be four months, so if you give birth to a child for reimbursement, you can earn four months' salary without spending money! If your basic salary is higher than your salary, for example, 1000 yuan is 1 189, what do you still earn?

You have to pay maternity insurance for at least one year to enjoy it, remember?

There is another problem, boys also pay maternity insurance ~ so can boys enjoy maternity insurance?

If you are a boy, your wife doesn't have a job or her work unit doesn't pay insurance, and you have paid maternity insurance for more than one year when she gave birth, then you can also reimburse maternity insurance. But in the last example, you can only reimburse 500 examination fee+half of 2000 hospitalization operation fee = 1250 yuan, and the subsidy is 1 189 yuan/. This is for girls to enjoy when they are reimbursed. For the same expenses, girls can get 7256 yuan for reimbursement, while boys can only get 1250 yuan for reimbursement. This is probably a rare policy of "discriminating against men" in China-+?

Therefore, it is best for girls to make plans before giving birth and start looking for a company to pay maternity insurance one year in advance, so that they can make money! If a boy wants to marry a wife, he'd better marry a girl who paid maternity insurance for one year when she gave birth, and her salary is higher than her own! But it doesn't matter if she really doesn't have insurance, you can also reimburse her for maternity insurance, but you won't get the subsidized four-month salary, and you can only get back half of the newspaper's expenses. ?

Unemployment insurance?

Unemployment insurance can only be enjoyed after paying for one year. Generally, it takes two months to pay 1, and four months to pay for two years, but it takes up to 24 months for a lifetime. Let's take an example: if 1 started to pay insurance in June 2007 and 1 was dismissed by the company in June 2008, you can let. If you paid insurance on the basis of 1 189 this year, you can get 800 yuan in at least two months, or you started to pay insurance on 1 2007, and your contract with the company expired on 1 2008, so you don't want to renew it. Then you can also ask the company to provide you with unemployment insurance for two months, more than 800 yuan, before leaving your job. In other words, when the contract expires or the company dismisses, you can ask the company to pay you unemployment benefits for two months a year. If the company doesn't help you, you can sue. But if you resign before the expiration of the contract, you won't enjoy unemployment insurance even after paying 1 year?

As long as you resign yourself, let alone pay 1 year, even if you pay1year unemployment insurance, you will not get a penny when you resign. ?

Is housing accumulation fund a good thing?

Let's just say that if you pay the provident fund in 200 yuan every month, the company will also pay your account into 200 yuan every month. When you buy a house, it will only be 400 yuan. If you pay 50,000 yuan in your life, your account will be 65,438+10,000 yuan. Don't refuse such a good thing. ?

Provident funds can be used to buy a house, repay loans, decorate and so on. If your family can find a place to build a house, then the money for building a house can also come from the provident fund?

If you haven't been using the money, it seems that you can withdraw all the money when you finally retire.

[Advanced] Supplementary explanation?

Let's talk about the different places from Nanjing. Magic is not allowed not to pay medical insurance. In other words, social security centers, including endowment medical care, unemployment, work injury and maternity, require enterprises to collect them, but the provident fund can be paid or not, because it is under the jurisdiction of the provident fund center.

The specific social security composition ratio is:?

Endowment insurance: the unit pays you 22% every month, and you pay 8% yourself; ?

Medical insurance: the unit pays you 12% every month, and you pay 2% yourself; ?

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%; ?

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself; ?

Maternity insurance: the unit pays you 0.5% every month, and you don't have to pay a penny yourself; ?

Housing accumulation fund: the unit pays you 7% every month, and you pay 7% yourself?

Supplementary housing provident fund: the unit pays you 8% every month, and you pay 8% yourself (this is only available to state-owned enterprises with good general benefits, and the proportion is determined by the company itself, so it is very ethical for general companies to pay provident fund)?

# # # What is the relationship between social security and individual tax adjustment?

When paying individual tax adjustment, the tax base is calculated after deducting personal deduction. However, it should be noted that the part of the provident fund and supplementary provident fund that exceeds 12% (the part paid by individuals and enterprises) also needs to be included in the tax base. For example, the above-mentioned provident fund 7% and supplementary provident fund 8% add up to 15%, so the personal deduction of 3% is required. ?

# # # Medical insurance uses this piece, and the way to transfer it to personal accounts varies from place to place. It is said that Nanjing is collected by the month, and many places are collected by the year. Specifically, the medical insurance year is from April 1 day to March 3 1 day of the following year, and the change of social security payment base is also determined in the first half of April. On April 1 day, the medical insurance bureau will advance the personal medical insurance of 1 year (that is, the 2%) to the personal medical insurance card account according to everyone's social security base, but there is a problem at this time. On April 1 day, when the social security base has not been established in that year, the medical insurance bureau can only predict the personal medical insurance premium in that year according to the base of the previous year. What should we do about this difference? That was in the second year?

April 1 Make up for underpayment or deduct overpayment. It may seem troublesome to write such a long paragraph, so suppose someone's average monthly income is 5000 yuan in 2004, 4000 yuan in 2005 and 6000 yuan in 2006. When the Medical Insurance Bureau credited it to the personal account in April 2006 1, the social security center had not approved the payment base in 2006 (that is, the average monthly income in 2005). Therefore, the medical insurance bureau still calculates the annual personal account amount according to the payment base in 2005 (that is, the average monthly income in 2004), that is, 5000*2%* 12= 1200, but in fact, the personal account amount of this person this year should be 4000 * 2% *12 = 900. At the same time, the personal New Year funds credited to the account in April 2007 1 diary are still 960 yuan (actually, it should be 6000*2%* 12= 1440 yuan), and the underpaid 480 yuan will make up on April 1 2008. ?

Therefore, because most people's annual payment bases are different, the total number of accounts of almost everyone in March each year is different from the amount of accounts seen in April, which is generated when the medical insurance bureau does annual expense accounting. ?

# # # There is still a time limit for work-related injuries. If you have a work-related injury on July 1 2007, you must report it to the unit immediately, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of seeing a doctor or being hospitalized after the work-related injury to the unit, so that the unit can take these materials for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August 1 2007. If it has been more than one month since the date of work-related injury identification, the work-related injury may not be identified. If your company doesn't appraise you, you can take the materials to the appraisal center for appraisal, and it's better not to exceed one month, otherwise it will be very troublesome. There are two ways to supplement this. One is the company's declaration of industrial injury, which is valid within 30 days, and the other is the individual's declaration, which is valid within one year. ?

# # # In terms of maternity insurance, for those who have experienced abortion, dystocia, multiple births and premature births, please refer to the following links. Although it is Shanghai's policy, there are similarities everywhere. There may be differences in policies between Shanghai and Nanjing, and the company will never take care of this reimbursement, which is directly linked to pregnant women by medical insurance. During the hospitalization period, all items within the scope of medical insurance shall be paid by medical insurance as a whole. Of course, self-funded projects (such as advanced wards, self-funded drugs, etc.) still have to be borne by themselves. After having a good baby, I went to the medical insurance bureau to apply for maternity allowance. The medical insurance bureau gave me 3000 social security, and then gave me three months' income from the payment base, half a month for late childbirth and half a month for multiple births. If the average wage income in the previous year is greater than the upper limit of the social security payment base, then social security will only pay the part of the payment base, and the rest will be paid by the company. ?

For example, someone's average wage income in the last year is 10000, and the social security base is capped at 7392. Then the monthly income paid by social security is 7392, and the rest 10000-7392=2608 is paid by the company. (Although I think this situation is not easy for readers in the cloud to encounter =. =。 . )?

In fact, there are two key points:

1, paid before giving birth 1 year?

2. Is it normal to declare the social security payment base?

Therefore, students, especially female students, should not think that the base declared by the company doesn't matter, and even be glad that their salary is high because of the low base. That's when you see the problem! This is also the reason why so many female employees prefer to stay in places where wages are low but social security is fully declared. For one thing, small places don't like unmarried female workers, and for another, maternity insurance is a big income supplement. For example, a person's normal salary is 3000 yuan, but her year-end bonus income and other bonus income are included in the social security base declaration, so the monthly average may reach 5000 yuan. At this time, the income of the children in the first few months is 5000 yuan in January. If you haven't been using the money, it seems that you can withdraw all the money when you finally retire. It's entirely possible! ?

# # # And the interest of provident fund loans is much lower than that of commercial loans, which is also a big advantage.

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