20 19 Suqian five insurance and one gold payment base ratio, five insurance and one gold minimum standard.

Revealing Suqian five insurances and one gold: it is not cost-effective to use the housing provident fund for a long time.

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not.

The payment amount of five insurances and one gold varies from region to region, and the base is the total wages. Some enterprises pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department. The proportion of payment varies from place to place.

The following is the proportion of social security contributions in Shenzhen

Shenzhen household registration personnel:

Pension insurance contribution ratio: unit contribution 14%, individual contribution 8%, and * * * is 22%.

Minimum payment: unit1808 *14% = 253.12 yuan, individual 1808*8%= 144.64 yuan.

The proportion of medical insurance payment: the unit pays 6.2% (basic first grade) +0.5% (maternity insurance), and the individual pays 2% (basic first grade), which is 8.7%.

Minimum payment: unit 2950.8 * (6.2%+0.5%) =197.70 yuan, individual 2950.8*2%=59.02 yuan.

Unemployment insurance: 1808*2% (paid by the company)+1808* 1% (paid by individuals), * * 54.24 yuan.

Industrial injury insurance: benchmark ratio: 0.4%, 0.8%, 1.2%. After the floating rate is implemented, it will be paid according to the actual payment rate.

Payment ratio of housing provident fund (the ratio of units and individuals is the same): 10%-40%, with units and individuals each bearing half. For example, the minimum payment 10%, each unit and individual pays 5%.

Non-Shenzhen household registration personnel:

Pension insurance contribution ratio: unit contribution ratio 13%, individual contribution ratio 8% * * *: 21%.

Minimum payment: unit 1808* 13%=235.04 yuan, individual 1808*8%= 144.64 yuan.

Proportion of medical insurance payment:

A. The first file of basic medical insurance (original comprehensive medical insurance): the proportion of medical insurance payment: the unit pays 6.2%+0.5% (maternity insurance) and the individual pays 2% (basic first file), which is 8.7%. Tongshen Lake

Minimum payment: unit 2950.8 * (6.2%+0.5%) =197.70 yuan, individual 2950.8*2%=59.02 yuan.

B, the second stage of basic medical insurance (original hospitalization insurance): the unit pays 0.6%+0.2% (hospitalization insurance+maternity insurance), and the individual pays 0.2% (hospitalization insurance), * * * meter: 1%.

Unit: 49 18*0.8%=39.344 yuan, and individual 49 18*0.2%=9.836 yuan.

C. Three-level basic medical insurance (medical care for migrant workers): 0.45% paid by the unit+0.65438+0% paid by the individual: payment base ×0.45%=22. 13 yuan/month; Payment base ×0. 1%=4.92 yuan/month.

Unemployment insurance: 1808*2% (paid by the company)+1808* 1% (paid by individuals), * * 54.24 yuan.

Industrial injury insurance: benchmark ratio: 0.4%, 0.8%, 1.2%.

After the floating rate is implemented, it will be paid according to the actual payment rate.

Payment ratio of housing provident fund (the ratio of units and individuals is the same): 10%-40%, with units and individuals each bearing half. For example, the minimum payment 10%, each unit and individual pays 5%.

Personal:144.64+18.08+4.82 =167.64 When looking for a job, in addition to asking about salary, you should generally ask how to pay five insurances and one gold. Because you can't live without it. But five insurances and one gold actually have some secrets that you don't know. For example, pension insurance is overpaid; Medical insurance not all diseases can be insured.

The following are the secrets of "five insurances and one gold":

Shenma is five insurances and one gold: five insurances and one gold for social security, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

Revealing the five insurance and one gold scam: Did you pay your money for nothing?

Proportion of regular payment of five insurances and one gold

Next, let's read the secret of five insurances and one gold in detail.

1, Suqian endowment insurance: Your consumption level may drop sharply after retirement.

At present, the core of China's old-age insurance system is the basic old-age insurance for urban workers. That is, people who work can deduct a sum of money from their salary every month and get a pension from the social security system when they reach the legal retirement age (60 men and 50 women).

If you graduate from university at the age of 22 and work in Beijing with the highest China Pension Development Index, the average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2065,438+065,438+0 was 4,672 yuan), and the salary base paid by the company is 8,000 yuan. According to the fixed growth rate of 5%, when you retire (60 years old), your monthly salary is 48,600 yuan. According to current standards, the pension you receive after retirement is 8624 yuan. This is only equivalent to 18% of the salary before retirement, and is lower than the national average basic consumption expenditure.

2. Suqian medical insurance: not all diseases can be guaranteed.

Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction and mental illness are not covered by medical insurance.

In addition, if there are unfortunate traffic accidents or injuries by gangsters, these are not covered by medical insurance. Only when the public security organ proves that the injurer cannot be found can it be temporarily written off by medical insurance.

There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.

3, Suqian city to receive unemployment benefits, must first meet the following two conditions:

1) The employer and I have fulfilled the obligation to pay unemployment insurance for 1 year according to the regulations.

2) Resign voluntarily

Then there are a lot of formalities to be done: within 60 days from the date of leaving your job, you should register unemployment with the labor security department of the street or town where your household registration is located and apply for unemployment insurance money with your vocational guidance and training card, household registration book, ID card, proof of labor (employment) termination contract or work relationship, and photos.

Pay attention to the location of your hukou, that is, if your hukou is in Gansu and people work in Shanghai, you have to go back to your hometown all the way. According to current standards, the unemployment insurance premium in most cities ranges from several hundred yuan a month, and basically does not exceed 1 10,000 yuan. The more backward the economy is, the less you can get. There is not much money, and the time to get it is not long: before unemployment, pay 1 to five years, and get 12 months at most; 5 years to 10 years, at most 18 months; If the accumulated payment time exceeds 10 year, the longest payment period is 24 months.

4. Suqian industrial injury insurance: 48-hour life and death line.

On June 19, an article entitled "Is the death of underage migrant workers late 1 hour not a work-related injury death? The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.

They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.

In fact, disputes and lawsuits about work-related injuries have been going on. It's not just a 48-hour line. It's not that easy to identify work-related injuries.

5. Suqian maternity insurance: there must be a unit.

Childbirth is a very private matter, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.

Maternity insurance must be paid for at least one year to enjoy it. After giving birth, we will continue to pay the fees. If you don't pay, you won't enjoy the benefits of family planning later.

6. Suqian housing provident fund: it is not worthwhile to use it for a long time.

As many people know, the more housing provident fund units pay each month, the better, which can be used to buy houses and decorate in the future. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account.

Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In the case of increasing inflation, it is obviously not as good as self-investment, or even as good as one-year time deposit in banks.

Now, have you understood all these little secrets about five insurances and one gold?