Where has the money we paid for social security gone?

We workers have the same feeling: to find a new job, negotiated wages of 10,000 yuan, in fact, get their hands on only 8,000 yuan. In addition to pay taxes on wages, more than 1,000 yuan are used to pay social security. Moreover, the organization has to pay most of the social security contributions, while the individual only pays a small portion. These money are going to do what with it?

The state's supervision of social security payments is more stringent, employers have to pay social security to employees on time every month, otherwise they will be penalized. Among them, pension insurance, medical insurance, unemployment insurance are by the unit and individual **** with the payment. Maternity insurance and work injury insurance are paid in full by the organization. Now, maternity insurance and medical insurance have been merged.

Individual social security contributions are deducted directly from the employee's salary. The unit to each employee to pay a lot of contributions, where does the money go? Many people do not know!

A unit of social security fees paid to employees each month

According to China's "Social Insurance Law" each month, the employee social security fees, units and individual part of the statutory contribution ratio.

As the salary level of employees is different, the base amount of social security contributions for each unit is different, and the proportion of social security contributions is determined according to the policy of the insured place and the industry to which the unit belongs.

Let's take Beijing as an example:

Pension insurance: unit contribution of 16%; personal contribution of 8%

Medical insurance (including maternity insurance): unit contribution of 9.8%; personal contribution of 2% + 3

Unemployment insurance: unit contribution of 0.5%; personal contribution of 0.5%

Industrial accident insurance: unit contribution of 0.4%

Assuming that the base of the employee's social security contributions are 6,500 yuan, personal contribution of 685.5 yuan; unit contribution of 1,735.5 yuan, unit contribution is 2.5 times the personal contribution. The ratio of social security contributions of the unit is higher than that of the individual by nearly 2.5 times, and the unit contribution is also nearly 2.5 times higher than that of the individual.

Two, the unit to pay the social security premiums where

National provinces and municipalities of the unit, the individual social security contribution ratio is different, the unit to pay a part of the national integrated fund. The social fund refers to the insurance premiums paid by the employer for the employee, after deducting the remaining part of the personal account.

The social insurance fund belongs to all participants, by the social insurance agency centralized management, unified transfer use. The social insurance fund shall be stored and used exclusively for the purpose, and shall not be misappropriated by any unit or individual.

The basic pension insurance fund has been gradually implemented nationally, and other social insurance funds are gradually implemented at the provincial level, the specific time and steps prescribed by the State Council.

The unit to pay part of the cost of social security, will enter the state of the integrated fund account, the insured workers to meet certain conditions, the state coordinated fund will be spent on the fund, to those who are eligible to enjoy the benefits of the insured. For example, pensions, unemployment benefits, maternity allowances, etc. are all spent by the State Coordinated Fund.

1. Pension Insurance

Pension insurance is paid by both the organization and the individual***. There are two accounts for each employee, one for the centralized fund and the other for the individual account.

The pension insurance paid by the unit should be transferred to the integrated account in accordance with the regulations, while the individual part of the contribution will be transferred to the individual pension insurance account.

China has a life-long pension insurance system. Participants receive monthly pensions after retirement, first from the individual pension account, after all the money in the individual account, participants can continue to receive pensions from the integrated account, and the integrated account is the big head of the pension. In addition, the integrated account is also used to pay funeral expenses and pensions to the survivors of the insured.

2. Unemployment Insurance

Under the burden reduction policy, the unemployment insurance unit contribution rate is 0.5%, and unemployment insurance is paid by both the unit and the individual ****.

Unemployment insurance does not have a personal account, the unit and individual part of the unemployment insurance premiums, all into the unemployment insurance fund.

When a participant is unemployed and meets the conditions for claiming unemployment benefits, he or she can enjoy the unemployment benefits. To a certain extent, to alleviate the economic pressure of the insured during the period of unemployment.

3. Workers' compensation insurance

Workers' compensation insurance unit contribution rate is determined according to the nature of the unit, workers' compensation insurance by the unit to pay the full amount.

The premiums paid by the unit for work-related injuries are all paid into the state's work-related injuries insurance fund.

If an employee is injured at work, he or she will be entitled to work injury insurance benefits after being recognized as injured at work. Among them, those who have lost the ability to work by the labor capacity appraisal, can enjoy the disability treatment. The vast majority of work injury insurance treatment by the work injury insurance fund expenses, greatly reducing the economic pressure on enterprises, but also give workers a strong protection.

4, medical insurance

medical insurance by the unit and the individual **** with the payment. Each employee's medical insurance also has two accounts, one is the general fund, the other is an individual account. The part of medical insurance paid by the individual will be fully credited to the individual account. A certain percentage of the unit's contribution to the medical insurance will be transferred to the individual account.

Medical insurance personal account = individual health insurance premiums + (unit health insurance premiums x the proportion of the transfer)

The proportion of health insurance unit contributions to the personal account is related to the place where the participant is insured, as well as the age of the participant, and varies from province to province and from city to city across the country.

Take Beijing as an example: Beijing health insurance personal account into the account of two parts, one part of the individual insurance contributions of 2%, the other part of the unit insurance according to age into a certain amount. Less than 35 years of age: 0.8% of the base of my monthly salary contributions to the personal account; 35 years of age or older less than 45 years of age: 1% of the base of my monthly salary contributions to the personal account; 45 years of age or older: 2% of the base of my monthly salary contributions to the personal account.

5. Maternity Insurance

Maternity insurance has been merged with medical insurance and is fully paid by the unit. All of the maternity insurance paid by the unit goes into the medical insurance fund, and when the insured person gives birth or undergoes a family planning operation, and meets the conditions for maternity insurance treatment, he or she can enjoy maternity insurance treatment, which is paid out of the integrated fund.

Maternity insurance benefits include maternity allowance and maternity medical expenses.

Beijing November 26, 2021, the latest maternity leave regulations: whether the birth of a child or two children, maternity leave at least: 98 days of basic maternity leave + 60 days of incentive leave = 158 days, the spouse paternity leave of 15 days. Maternity allowance is uniformly paid in accordance with the actual per capita contribution base for maternity insurance premiums paid by the employer in the month when the employee gives birth. The sum of the contribution base of all insured employees is divided by the number of insured employees. If the employee's salary during maternity leave is lower than the maternity allowance, then the difference between the maternity allowance and the maternity leave salary will be paid to the employee.

A woman's salary during maternity leave is only 4,000 yuan. The average monthly salary of the employee's employer is 8000 yuan. Maternity allowance = 8000 / 30 * 158 = 42,133 yuan, female employees during maternity leave, in addition to wages, but also get more than 20,000 yuan of subsidies. These subsidies come from the medical insurance fund. This provides a strong protection for women who have given birth, so that they can feel more at ease to raise the next generation.

Writing in the end

The social security fees that our workers pay every month, depending on the type of social security insurance, will go into the appropriate social insurance fund. The state puts this money together and manages it in an integrated way, earmarking it for specific purposes. This ensures that the insured will be provided with appropriate protection when they need it. For example: after the retirement of the insured person to receive a monthly pension, unemployment during the unemployment benefits, maternity leave during the maternity allowance and so on, are related to our insured person's immediate interests.