Advantages and disadvantages of working in Chongqing and buying Shenzhen social security

First, the pros and cons of working in Chongqing and buying Shenzhen social security

The advantage is that if you pay in a big city, the unit will help you pay part of it, and the payment will be higher. At retirement age, the retirement salary will be higher, because the retirement salary is determined according to the local per capita salary, and the price in big cities is higher. So the retirement salary is higher.

Disadvantages are: social security and medical insurance are consumed at the place of purchase, people are in Chongqing, social security is bought in Shenzhen, medical insurance cards can only be bought in Shenzhen, and hospitalization can only be reimbursed in Shenzhen. Medical insurance does not make much sense. Did you buy social security in Shenzhen or retire in Shenzhen? It is very troublesome to withdraw money in Chongqing, such as frequent annual examination, especially when people are old. Others, such as dealing with work-related injuries and unemployment, are particularly troublesome.

Second, the impact of paying social security in different places.

1. Due to the large difference in wage and income levels in different places, the payment bases of employers and individuals are also different, which will affect the pension benefits after retirement.

2. If you pay social security in other places and you can't directly reimburse the expenses by using medical insurance, you still have to go back to the insured place to apply for reimbursement separately, and the proportion of reimbursement outside the province is relatively low.

3. If you need to receive unemployment insurance benefits after unemployment, you should go to the place where social security is paid.

4. If you are a non-local hukou, you need to provide proof of social security payment or tax payment for more than one year when you buy a house. Social security paid in other places cannot meet this condition.

Third, how to handle social security in Shenzhen?

1. Individuals apply for Shenzhen social security.

Individuals need to bring relevant documents and materials, and then go to the relevant bank outlets for social security.

2. The enterprise is the agent of Shenzhen Social Security.

The unit manager can help employees to apply for financial social security cards in batches. Schools can pre-apply for social security cards through the social security card pre-application system, and then prepare relevant materials and submit them to the signing bank for the bank to handle relevant procedures.

Four, Shenzhen social security grade cost difference

1, the first payment base is the total amount of the company last month, and the payment ratio is 0.82%.

2. The payment base of the second file is the average monthly salary of employees in the previous year, and the payment ratio is 0.8%.

3. The payment base of the third file is also the average monthly salary of employees in the previous year, but the payment ratio is 0.55%.

At present, most enterprises choose the third gear. Enterprises need to pay around 400 yuan, while individuals need to pay around 200 yuan every month. The higher the payment level, the more premiums employees need to pay, the more premiums units need to pay, but the more benefits they enjoy, so the higher the level, the better.

Verb (abbreviation of verb) the role of social security

Medical insurance is a kind of social insurance, in addition, it also includes pension insurance, unemployment insurance, work injury insurance and maternity insurance. Together, they are the function of social security.

(1) The purpose of old-age insurance: to receive a pension after retirement and enjoy funeral expenses and pensions;

(2) The purpose of unemployment insurance: after unemployment, you can receive unemployment insurance benefits and medical expenses and enjoy subsidies;

(3) The purpose of industrial injury insurance: to pay for treatment, living care, disability allowance and disability subsidy;

(4) Use of maternity insurance: you can enjoy maternity leave (about 90 days), maternity allowance and maternity grants.

legal ground

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.