April 1 to the statutory retirement day, then this year to pay a few months of pension insurance benefits

Below is a description of what these social security premiums are and how to use them

It has already been said that social insurance = pension insurance + medical insurance + industrial injury insurance + maternity insurance + unemployment insurance + housing fund

First of all, let's talk about the pension insurance

This insurance is generally to be paid for a full 15 years after the time of retirement in order to enjoy a lifetime of pension, so you want to take the pension

Please make sure that you pay 15 years before retirement. The pension, so you want to get the pension students

Please be sure to start paying before their retirement 15 years ago, this is outside of Nanjing is almost the same rules

If you to the retirement age to pay pension insurance less than 15 years, then when you retire the state will be your personal account on the deposit of 8

% of the pension all back to you

The pension is the only thing that you can do is to pay for the pension, but it's not the only thing that you can do.

Then you may ask, where did the 21% that the organization paid for you 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 21

% of the money all the money to the national pension fund, from this money has nothing to do with you

You may say: Holy shit! That is my money why not give me

Because the state is so stipulated

Returning the money when only returned to the individual he deducted his own personal money, the unit for him to pay all the money for the country to do a contribution to the country -

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

Pension algorithms are very complex, because every year the state will change the base of contributions 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 must be in your 40 years of age before you began to pay

pension insurance, and if you are now from the age of 30 years old began to pay to 55 years old is 25 years, then the first sure that you can enjoy pension

,

,

,

,

The first thing is that you will be able to enjoy the pension.

,Secondly, if after 25 years you pay 3000 yuan contribution base has become 6000 yuan (I said if), then you 55 years old

when first of all you can get 6000 x 20% = 1200 yuan per month of the basic pension, this is the state to you, in addition to your personal

personal account of the money in the 25 years has also accumulated a lot of money.

The contribution base is averaged out, (3000+6000)÷2=4500, then

Then you should have 4500×8% (your personal percentage of pension insurance) × 25 years × 12 months

=108,000 yuan, so in addition to the previous 1200 yuan you can get each month 108,000 ÷ 120 = 900 yuan, so you 5

5 years old, you can get at least 1200 + 900 = 2100 yuan of pension every month, of course, every year the base of the country is still rising,

Such as every year, in addition to your own 900 yuan, you will get more than 1200 yuan every month after retirement, then your pension

will also be more and more money.

So the more you pay for pension insurance, the better, the more you pay the more you enjoy after retirement, and the more the state adjusts the

base every year, you will get more and more money, now pay 1,000 ten years later to get 1,500 are possible

Here to introduce a perverted policy, that is, no matter where you pay social security premiums, and so on, you will get more and more money. Where to pay social security premiums, when you retire you can only go back to your

Hukou location to enjoy the local retirement treatment, so see, in the base of the high place to pay social security but retirement back to the base of the low place

Party to enjoy the pension of the people that would be a big loss, why is it so? Let me give you an example, if you are young in Nanjing

work, paid 20 years of social security and then retired, but if your account in Heilongjiang, then you have to go back to Heilongjiang to enjoy the

pension. If you have paid for 20 years in Nanjing with an average base of 3000 (I'm talking about if), and when you retire Heilongjiang's

contribution base is only 1000 (I'm talking about if), then you can only enjoy 1000 when you retire! This is a great loss!

Sentence, 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! You can only enjoy 1000 dollars if you pay 3000 dollars! This is a very horrible thing, but there is no way, the country is this

policy, so please all the current account in the west and other low base places but in Beijing or Shanghai and other base places to work to pay

Social Security students pay attention to, you can either in the west to pay the social security, or in the retirement of the account before moving to Beijing or Shanghai, or

You are doing life! A huge loss of business

Then maybe you will say, if my account in Nanjing, then I paid 20 years in Heilongjiang is not good, in the base of the low place to pay money

, 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

! In this case, NJ will find a reason to refuse to transfer you directly! And then you'll be the smartest of the smart: not in Heilongjiang

Jiangsu, not in Nanjing!

But some places have some moderating provisions for such cases, such as Nanjing allows you to transfer back to Nanjing from a low base

5 years before retirement, and then continue to pay the high base in Nanjing for another 5 years before it allows you to return to Nanjing to enjoy your pension. This

policy is not the same in all places, the future of the students intend to transfer the best now to your local labor bureau to get

clear this issue, lest the retirement of your unexpected accidents!

The following medical insurance

This insurance national policy is quite good, the important thing is that the hospitalization reimbursement of a lot of

Previously said that the unit of the monthly payment of medical insurance for you is 9%, your personal monthly payment of medical insurance is about 2% plus 10 yuan

The big disease co-ordination, the big disease co-ordination does not care about other things only to care about your hospitalization, and the 11% of the The state every month to your health insurance account to play

belonging to your own 2%, if you pay the minimum monthly base of 1189 yuan social security, then 1189 × 2% = 23.78 yuan is

the state every month to your personal money, this money you can accumulate directly to the credit card to buy medicines or outpatient clinic, the rest of the 9%

the state will take The remaining 9%

will be taken by the state to the medical fund

According to Nanjing's regulations, if you start paying for medical insurance in January 2007, you will be able to buy medicines or outpatient clinics with your card from February 2007, and you can be reimbursed for hospitalization from July 2007 onwards, which is quite complicated. If you are hospitalized on August 1, 2007, living in Nanjing's best three hospitals, hospitalization with the medical insurance coverage

drugs, surgery + hospitalization and other costs a *** spent 5,000 yuan, then reimbursement of the medical insurance center to deduct the first 1,000 yuan, which is the starting

stepping stone price, the rest of the 4,000 yuan of the center can be reimbursed 4,000 × 86% = 3,440 yuan, the center can reimburse the cost of the hospital. 86%=3440RMB, you only need to pay 4000×14%=560RMB on

Can, plus the previous 1000RMB starting price, you spent 5000RMB, you only need to pay 1560RMB, and this 1560RMB

Can also be deducted from your health insurance card (if you don't usually use the card), so in fact, you don't need to spend much money for hospitalization

This is the first time that the health insurance center deducted 1000RMB, which is the starting price, the remaining 4000RMB can be reimbursed by the health insurance center 4000×86%=3440RMB.

Medical insurance is much more important to us young people than pension insurance, after all, hospitalization is too damn expensive, which is

The most important significance of participating in the social insurance lies in

But the Nanjing municipal regulations medical insurance must be paid for a full 25 years in order to be able to enjoy the retirement of a lifetime, so if you are 55 years old retired, then

Last 30 years old must start to pay medical insurance.

The following is to say that the workers' compensation insurance

This insurance is generally used in practice less, I do not have much contact, need to remind everyone is that if you are at work or on

Off duty when something happens, this insurance is used

But in practice, many people do not pay attention to save evidence, resulting in their inability to enjoy the benefits of workers' compensation insurance, and the need to pay for the insurance.

If you get hit by a car when you are off duty, you should quickly call the police to investigate the record and take pictures to collect evidence, the police handle

After you finish the process, you will be given an accident what the appraisal of the certificate and so on, you can take this to the unit to ask for the report of the work injury

If you get hit by a car and then you can just let people run and not look for witnesses. run away and do not look for witnesses and do not report to the police or something, that no evidence of the case will not be

generally adopted as a work injury

Work injuries there is a statute of limitations, if you July 1, 2007 out of the workplace, then you must immediately report the unit to the police issued

Evidence and the accident identification certificate as well as you out of the workplace after the injury to the doctor or hospitalization records to the unit, and ask the unit to take the records to the unit. The unit should take these materials to

do the work injury appraisal, your unit must send your valid materials to the work injury appraisal center before August 1, 2007, if more than one month from

the day of your work injury, the work injury may not be appraised up. If your unit does not go to your appraisal,

then you can take the material to the appraisal center, 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 began to pay the maternity

The first thing you need to do is to make sure that you have the right amount of money to pay for the insurance policy, and that you have the right amount of money to pay for it. The first time I saw a woman in the hospital, I was able to get her to go to the hospital for a few days, and I was able to get her to go to the hospital for a few days, and I was able to get her to go to the hospital for a few days, and I was able to get her to go to the hospital for a few days. But you can also earn 4 months of salary!

If you pay more than your salary, for example, if you pay 1,189 dollars for 1,000 dollars,

then you have earned it

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

If you're a man and your wife doesn't work or doesn't have insurance, and you've paid for maternity insurance for more than a year when she gave birth, then you can get reimbursed for the maternity insurance,

But in the previous example, you can only be reimbursed for 500 yuan for the checkups

half of the 2,000 yuan of hospitalization surgery costs=1,250 yuan,

Subsidized 1189 yuan/month x 4 months of salary you will not enjoy

! This is only available to girls when they are reimbursed,

The same amount of money, girls will get 7,256 yuan for reimbursement, while boys can only get 1,250 yuan for reimbursement,

This is one of China's rare policies that discriminate against

males,

So, it's best to plan ahead before you give birth to a child. So it's best to plan ahead and start paying for maternity insurance a year in advance, so you can earn it!

And if a guy wants to marry a wife, he'd better marry a girl who has already paid for a year's maternity insurance when she had her baby and the base amount she paid is higher than her

own salary! However, if she really does not have insurance is okay, you can also give her reimbursement of maternity insurance, but

You do not have subsidies for four 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 the most

More than 24 months. For example:

If you start to pay 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 of the base of the payment of the insurance, then you can get at least 2 months more than 800 yuan

Or you January 1, 2007, start to pay insurance, in 2008, you can get at least 2 months

Or you Jan. The first time you start to pay insurance, January 2008 you and the company contract expires, you do not want to renew the contract then

Then you can also leave the company before the company to give you to get 2 months of unemployment insurance, also more than 800 yuan

That is to say, the expiration of the contract or the company dismissed, you can be in accordance with the year to get 2 months of unemployment benefits rate to ask the company to give you

The company will not be able to get the money, but it is not necessary for the company to give you the money to do so, if the company does not give the money to do so, you will have to pay for it. If the company doesn't do it for you, you can sue the company.

But if your contract is not expired and you resign, then even if you pay a full year will not be able to enjoy the unemployment insurance

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

The Housing Provident Fund is a good thing

To put it this way, if you pay 200 bucks a month for the Fund, then the company will also play 200 bucks a month to your account, you buy a house

This is 400 bucks, if you pay 50,000 for the rest of your life, then your account is 100,000, this kind of good thing we must not

To be rejected ah.

Public Provident Fund can be used to buy a house, pay back the loan, renovation and so on, if your own family can find land to build a house, then build a house

money can also be paid from the Public Provident Fund

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

[Advanced]Supplementary Notes[5KB]

[Advanced]Supplementary Notes[5KB]

This is the first time that I've seen this kind of money in the world, but I think it is a good idea. p>To say and Nanjing different place it, Mordor is not allowed to not pay medical insurance, that is to say, the social security center of this piece

including old age medical unemployment injury maternity together with the enterprise asked to collect, but the provident fund can be paid can not be paid, because this is subordinate to the jurisdiction of the provident fund

center

specific social security composition of the proportion of

Pension insurance

Pension insurance: the unit pays 22% for you every month, and you pay 8%;

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

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

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

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

Maternity insurance: the unit pays 0.5% for you every month, and you pay 1%;

Maternity insurance: the unit pays 0.5% for you every month, and you pay 1%;

Maternity insurance: unit each month for you to pay 0.5%, you do not pay a penny;

Housing fund: unit each month for you to pay 7%, you pay 7%

Supplementary housing fund: unit each month for you to pay 8%, you pay 8% (this is only a general benefit of the state-owned enterprises

will be, and the proportion of the company and the company) (The general company to pay a provident fund even if it is very moral)

Additionally to say is the relationship between social security and personal tax

In the payment of personal tax, is the personal deduction that part of the deduction and then calculate the taxable base, but there is a point to note

Provident fund and supplemental provident fund exceeds the part of the 12% (personal and corporate contributions) also need to be counted in the taxable base

There is a point to note that the part of the

For example, if the 7% provident fund and 8% supplementary provident fund mentioned above add up to 15%, then the 3% part of the personal deductions should be counted

in the taxable amount, and at the same time, the 3% of the enterprise, although not deducted from the individual's salary, should still be counted in the taxable

base, that is to say, the individual will have to pay the tax bill for this expense. tax bill.

Medical insurance use this piece, around the way for the transfer to the personal account is different

Love is the Nanjing kind of monthly transfer into the way, there are a lot of places is the annual transfer

Specifically this is the case, the health insurance year is every year from April 1 to the next year's March 31, at the same time, social security contributions to the base of the change is also

in the first half of April The change of the base for social security contributions is also

determined in early April.

The health insurance bureau will be in accordance with each person's social security base on April 1, 1 year of personal health insurance (that is, the 2%) into the personal health insurance card

account, but then there is a problem, April 1, the year of the social security base has not yet been established, the health insurance bureau can only

according to the previous year's base to the projected year of the individual health insurance premiums, then the difference should be What to do? That is, on April 1 of the following year

to make up for the undercount or deduct the overpayment

Maybe such a large paragraph may seem very troublesome, so let's take an example

Someone's average monthly income was 5,000 yuan in 2004, 4,000 yuan in 2005, and 6,000 yuan in 2006

Medicare gave an individual account to an individual on April 1, 2006

The bureau of medical insurance in the year 2006

was not yet established. When the Social Security Center credited the amount to the individual account on April 1, 2006, the Social Security Center had not yet approved the 2006 contribution base

(that is, the average monthly income in 2005), so the MPS still calculated the amount of the individual account for the whole year on the basis of the contribution base in 2005 (that is, the average monthly income in 2004

)

that is, 5,000 *2%*12=1200,

but in fact this person's personal account amount for the year should be

4000*2%*12=960,

then this extra 240 yuan will be deducted on April 1, 2007 when the person's personal account amount is

4000*2%*12=960,

then this extra 240 yuan will be deducted on April 1, 2007 when the person's personal account is deducted. Meanwhile the new year's personal

personal benefit credited to the account on April 1, 2007 will still be $960 (actually it should be $6000*2%*12=$1440), and the underpayment of $480 will be made up on April 1, 2008

back.

So because most people's contribution base is different every year, almost everyone's account totals in March and the amount of money they

see in their accounts for the calendar year in April each year are different, and that's what the Health Insurance Administration creates when it does its yearly cost accounting.

There is also a statute of limitations for work-related injuries. If you have a work-related injury on July 1, 2007, you must report it to your unit right away, hand over to your unit the

evidence issued by the police and the certificate of accident assessment, as well as the medical records of the doctor's visit or hospitalization after your work-related injury, and ask the unit to take these materials to

make a work-related injury assessment. Your unit must send your valid materials to the Work Injury Identification Center before August 1, 2007, if the distance

from the day of your injury is more than a month, the injury may not be identified. If your unit does not go to your identification, then

You can take the material to the identification center identification, it is best not to exceed one month, otherwise it will be very troublesome and troublesome

This point has a complementary declaration of work injuries, there are two ways, one is the unit to declare, and the same as the above love to say, 30 days have

effective, and another is the declaration of the individual, effective within one year, but Due to the injury or other reasons, the longer the delay the more insufficient evidence

, personal declaration, but also because they do not know the process will delay a lot of time and energy.

In terms of maternity insurance, for miscarriages, difficult births, multiple births, and premature births, you can look specifically at this link below, which is

Shanghai's policy, but there are similarities all over the world.

Maybe there is a difference in policy between Shanghai and Nanjing, the company absolutely does not care about this aspect of the reimbursement, are directly by the medical insurance and the pregnant woman hooked up

Hook

In the maternity check birth hospitalization period, medical insurance within the scope of the medical insurance co-ordination are medical insurance co-ordination payment, of course, out-of-pocket items (such as

such as high-grade wards, out-of-pocket medicines, etc.) or to bear the burden of their own.

After the birth of a child, you can go to the health insurance bureau to apply for a maternity allowance, and the bureau will give you 3,000 yuan

Social security will give you 3 months of income from the contribution base

Adding half a month for late births, and half a month for multiple births

If your average monthly income from the previous year was greater than the upper limit of the social security contribution base, then you will be paid by social security only.

Part of the base

The rest will be paid by the company

For example, if someone's average monthly wage income in the previous year was 10,000 and the social security base was capped at 7,392.

The social security system will give you 7,392 per month, and the rest of the 10,000 - 7,392 = 2,608 will be paid by the company.

(Though I think this is a situation that is less likely to be encountered by those of you in the cloud =. =.)

In fact, there are two key points:

1, before giving birth to a full year of contributions

2, social security contributions to the base of the normal declaration

So students, especially female students, do not feel that the company declared the base of the high and low does not matter to you, and even for the base of the

number of low their wages to the hands of the higher to celebrate, to the point of time to see the problem! I'm not sure if you're going to be able to do that!

This is why there are so many female workers would rather stay in the low-wage but social security full declaration of the place to give birth to a child and then jump ship

Reason, a small place does not like unmarried female employees, and secondly, maternity insurance is a large amount of income supplements.

For example, a person's normal salary of 3,000, but the social security base declaration counts her year-end awards and other bonuses income,

then the monthly average may reach 5,000, which is when the birth of a child in those months to take the January 5,000 income.

If you have not been using this money, when you finally retire, it seems that you can take all the money out of it

Not seemingly, is absolutely possible!

And provident fund loans are much lower than commercial loans, which is also a major benefit

Expanded reading: insurance how to buy, which is good, hand in hand to teach you to avoid the insurance of these "pits"