How much is five insurances and one gold a month?

How much is five insurances and one gold a month?

I. Proportion of five insurances and one gold paid by units and individuals

1、? Endowment insurance. The proportion of units paying endowment insurance is usually 16%, and that of individuals is 8%. Employee pension insurance is very important and needs to be paid every month. At present, China's old-age insurance adopts the cumulative calculation period system, which means that the interruption of old-age insurance will not be greatly affected. Endowment insurance must be paid for at least 65,438+05 years. After reaching retirement age, employees can receive pensions after going through retirement procedures, and the pensions received by employees' pension insurance are higher than those of urban and rural residents.

2、? Medical insurance. The proportion of units paying medical insurance is usually around 10%, and individuals are around 2%. China's medical security system is becoming more and more perfect, and employees' medical insurance needs to be paid every month. If you accidentally break the payment, it is best not to exceed three months (see local policy). If you leave your job and don't join a new company, you can pay medical insurance in the social security agency yourself.

3、? Maternity insurance. The proportion of units paying maternity insurance is usually 1%, and individuals do not need to pay maternity insurance. Maternity insurance is very important for women. Generally speaking, women pay maternity insurance 12 months in a company, and the expenses of birth inspection and production can be reimbursed. In addition, they can also receive maternity allowance, which depends on local policies.

4、? Unemployment insurance. The proportion of units paying unemployment insurance is about 1%, and that of individuals is about 0.5%. Unemployment insurance means that after passive unemployment, you can receive unemployment benefits after you meet the payment conditions and go through the relevant procedures such as unemployment registration.

5、? Industrial injury insurance. The contribution rate of work-related injury insurance units is about 0.5%, and that of individuals is 0.

6. Housing provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the maximum shall not exceed 10% of the average wage of employees. The employer shall pay the housing accumulation fund at 12% of the salary. Units and individuals are 65438+ 02% of salary.

Two, five insurance and one gold payment base.

The payment base of five insurances and one gold is generally 60%-300% of the average salary of employees in the previous year, as shown in the following:

1. If the average salary of last year was 300% or more higher than the average salary of local employees at the end of last year, the payment base of five insurances and one gold shall be calculated according to 300% of the average monthly salary;

2. If the average wage of last year is lower than 60% or less of the average wage of local employees at the end of last year, the payment base of five insurances and one gold shall be calculated according to 60% of the average monthly wage;

3. If the average salary of last year was between 60% and 300% of the average salary of local employees at the end of last year, the payment base of five insurances and one gold shall be declared according to the actual salary.

The deposit base of housing provident fund is the average monthly salary of employees in the previous year, that is, the total salary of the previous year divided by 12. The previous year refers to the natural year, that is, June 65438 to February 65438.

The deposit base of housing provident fund shall not be lower than the minimum monthly wage of employees in the previous year announced by the municipal human resources and social security department, and shall not exceed 3 times the average monthly wage of employees in the city in the previous year announced by the municipal statistics department.

Warmly remind that the social security payment base is also called the social insurance payment base, which is the basis for insured units and insured personnel to pay social insurance premiums. Social insurance payment base multiplied by payment ratio = social insurance premium payable.