What is the proportion of social insurance in Wuhan?

The proportion of social insurance in Wuhan is: the pension insurance benefits are paid by the company 19%, and the individual pays 8%; Medical insurance is regarded as 6% paid by the company and 2% paid by the individual; Industrial injury insurance and maternity insurance are paid by the employer; The treatment of unemployment insurance is that the company pays 0.6% and the individual pays 0.4%.

1. What is the social insurance ratio in Wuhan?

1. Endowment insurance: the unit pays 19%, and the individual pays 8%. There are two conditions for receiving pension insurance benefits: you must reach the statutory retirement age and the payment period must reach 15 years or more.

2. Medical insurance: the unit pays 6% and the individual pays 2%. From the date of insurance payment, employees can enjoy basic medical insurance benefits after 6 months.

3. Work-related injury insurance: paid by the employer. The industrial injury insurance rate is divided into 8 grades, ranging from 0.6% to 3.6%, and the social security agency shall verify the rate according to the characteristics of the industry to which the unit belongs.

4. Maternity insurance: paid by the employer. Maternity insurance rate is 0.3%. Male workers participate in maternity insurance, and if their wives are not insured, they can also enjoy certain maternity allowance when giving birth.

5. Unemployment insurance: the unit pays 0.6% and the individual pays 0.4%. Unemployment insurance can only be enjoyed after paying for one year. Generally, it is paid for two months in one year and four months in two years, but the longest period of enjoyment cannot exceed 24 months.

Second, what does social security mainly include?

1. Pension insurance

Endowment insurance is a social insurance system in which workers get certain economic compensation, material help and services from the government and society after reaching the legal retirement age.

State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, institutions and their employees who implement enterprise management must participate in the basic old-age insurance.

The contribution rate of new insured units (referring to various enterprises) is 10%, and the individual contribution rate is 8%. Individual industrial and commercial households and their employees, flexible employees and other personnel who are insured in the form of individuals have different rates according to the payment period. Individual workers who participate in the basic old-age insurance, the payment base can be high or low within the prescribed scope, and more contributions will benefit more. To receive a monthly pension, employees must reach the statutory retirement age and have gone through retirement procedures; Units and individuals have participated in the old-age insurance according to law and fulfilled the obligation to pay the old-age insurance; Personal payment must be at least 15 years.

2. Medical insurance

The basic medical insurance system for urban employees is a social insurance system based on the affordability of finance, enterprises and individuals to ensure the basic medical needs of employees. All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc. ), organs, institutions, social organizations, private non-enterprise units and their employees must participate in the basic medical insurance. The basic medical insurance fund for urban workers consists of the basic medical insurance social pooling fund and individual accounts. The basic medical insurance premium consists of the employer and the employee's personal account.

3. Work injury insurance

Industrial injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased. Work-related injury insurance premiums are paid by employers, and the collection rate of work-related injury insurance premiums in industries with high incidence of work-related injuries is higher than the general standard. On the one hand, it is to ensure that the industrial injury insurance fund can fully pay the industrial injury insurance benefits of employees in these industries. On the other hand, through the collection of high rates, enterprises can have a sense of risk, strengthen the prevention of work-related injuries and reduce the casualty rate.

4. Unemployment insurance

Unemployment insurance is a system enforced by the state through legislation and set up by the society to provide material assistance to workers who have temporarily interrupted their livelihood due to unemployment. All kinds of enterprises and their employees, institutions and their employees, social organizations and their employees, private non-enterprise units and their employees, and employees with whom state organs have established labor contracts shall apply for unemployment insurance. The unemployment insurance fund is mainly used to guarantee the basic livelihood of the unemployed. Urban enterprises, institutions, social organizations and private non-enterprise units pay unemployment insurance premiums at 2% of the total wages, and their employees pay unemployment insurance premiums at 1% of their wages. Units without fixed wages pay unemployment insurance premiums based on the average social wage in the last year in the overall planning area. The unit employs contract workers of farmers and herdsmen who do not pay unemployment insurance premiums.

5. Maternity insurance

Maternity insurance is aimed at the physiological characteristics of fertility behavior. According to the law, when working women temporarily stop working and lose their normal income due to childbirth, the state or society provides them with material help. Maternity insurance benefits include maternity allowance and maternity medical services. The maternity insurance fund consists of the maternity insurance premium paid by the employer and its interest and overdue fine. Maternity allowance for female employees during maternity leave, medical expenses incurred during childbirth, family planning operation expenses for employees and other expenses related to maternity insurance stipulated by the state shall be paid from the maternity insurance fund.

The proportion of social insurance in Wuhan needs to be handled in strict accordance with the procedures and requirements stipulated in the above laws. In particular, different types of social security have different issues. The parties can submit relevant materials to the social security department for legal identification according to the actual industry, so as to avoid the wrong application of the law.