2019 Yancheng five insurance and gold payment base ratio, five insurance and gold minimum standard

Reveal Yancheng City five insurance and gold: housing fund long-term unused not cost-effective

Payment items Individual contribution ratio % Unit contribution ratio % Pension insurance 8% 20% Medical insurance 2% 6-10% Unemployment insurance 0.5-1% 1.50% Industrial injury insurance

0.5 -1.2% Maternity insurance

0.80% Provident fund 10-12% 10-12%

Five insurance bases

Table of enterprise social insurance premium rates from July to June Type of insurance Enterprise contribution base Enterprise payment base rate Enterprise employee Individuals bear the social security premiums (method of determining the monthly contribution base for individual employees: determined in accordance with their average monthly salary for the previous year, but not less than 60% of the average monthly salary of the province's employees for the previous year, and not more than 300% of the average monthly salary of the province's employees for the previous year) Monthly contribution base (at least 60% of the previous year's provincial average salary) Rate Monthly contribution amount (yuan) Individual account billing standard Enterprise basic Pension Insurance Declared by the employer in accordance with the total wages of all employees 14% 2419 8% 193.52 Pension Insurance Individual Account Monthly 2419*8%=193.52 Yuan Enterprise Basic Medical Insurance 5.50%

Fixed 81 The amount allocated to the individual account of the participating employees' medical insurance is 81 Yuan/month. The limit of reimbursement is 1500 RMB for one medical insurance year (from July of the current year to June of the following year). Unemployment insurance 1.50% 2419 0.50% 12.1 of which rural household workers do not pay personal injury insurance 0.5-2%

Participating workers do not pay personal

Looking for a job, in addition to asking for a salary, and generally have to ask how to pay for five insurance and one gold. Because you live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live, live. But there are some secrets that you don't know about the five insurance. For example, the pension insurance to pay more ≠ get more; medical insurance is not all the disease can get insurance.

The following for you to reveal the secret of "five insurance and one gold":

God is five insurance and one gold: social security five insurance and one gold, including pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, housing fund.

The secret of the five insurance and one gold scam: your money is not paid in vain

Formal five insurance and one gold payment ratio

Next, we come to a detailed explanation of the secret of the five insurance and one gold.

1, Yancheng city pension insurance: after retirement, your consumption level may have to fall dramatically

At present, China's pension insurance system, to the "urban workers basic pension insurance" as the core. This means that people who work will have a sum of money deducted from their paychecks every month, and when they reach the legal retirement age (60 years old for men and 50 years old for women), they can receive a pension from the social security system.

Suppose you graduated from college at the age of 22 and worked in Beijing, which has the highest pension development index in China, with an average monthly income of 8,000 yuan (the average monthly salary in Beijing was 4,672 yuan in 2011), and the unit contributes 8,000 yuan to the salary base. According to the fixed growth rate of 5%, your monthly salary will be 48,600 RMB when you retire (age 60). And according to the current standard, the pension you receive after retirement is $8,624. This equates to only 18% of your pre-retirement salary and is less than the national average basic consumer spending.

2, Yancheng City medical insurance: not all the disease can get insurance

plastic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, the above medical expenses, health insurance does not care.

In addition, if the unfortunate traffic accident, or by thugs hurt, these are not in the medical insurance coverage, only in the public security organs to prove that really can not find the victim of the case, can be temporarily written off by the medical insurance.

There are also many restrictions on the use of medical insurance in other places. In the domestic non-residential place of sudden illness, the need for emergency rescue can first be near the hospital, but must be within three working days, the date of hospitalization, hospital name and other information reported to the participating medical insurance agency for the record, the condition is stabilized after the need to continue to treat, should be transferred to the designated medical institutions in time to seek medical treatment.

3, Yancheng City to receive unemployment benefits, you must first meet the following two conditions:

1) the unit and I have been in accordance with the provisions of the obligation to fulfill the unemployment insurance contributions for a full year

2) non-owner-initiated resignation

Then there is a whole lot of formalities to be done: you should be in the date of leaving the job within 60 days of the vocational guidance and training card, household registration, identity card, the termination of labor (employment). Within 60 days from the date of separation, you should bring your vocational guidance and training card, household register, ID card, proof of termination of the labor (employment) contract or working relationship, and a photo to the labor security department of the street or town where your household is located to register as unemployed and go through the procedure of applying for unemployment insurance benefits.

Note that the location of the hukou, that is to say, if your hukou in Gansu, and people in Shanghai work, you have to go all the way back home to do. The current standard, most of the cities in a month of unemployment insurance premiums ranging from a few hundred dollars, basically no more than 1,000 yuan, the more economically backward areas, the less you can receive. Money is not much, can be collected for a long time is not long: unemployed before the cumulative contribution of 1 year to 5 years, up to 12 months; 5 years to 10 years, up to 18 months; cumulative contribution time of 10 years or more, up to 24 months.

4, Yancheng City, workers' compensation insurance: 48 hours of life and death line

June 19, the network appeared on an article entitled "underage civilian workers die 1 hour late is not considered a workplace death forced people to die early? The net post. The net post said, Hunan Loudi 17-year-old civilian workers Chen Guo, in Dongguan City, Shijie Town, working in severe heatstroke death. As Chen Guo died in the 49th hour after the onset of the disease, his family has not been able to get compensation after 20 days.

They were told that Article 15 of China's Work Injury Insurance Regulations stipulates that if a person dies of a sudden illness during working hours and at work, or if he dies within 48 hours after being rescued, the death will be treated as a work injury. Chen Guo is the onset of the 49th hour after the death, is not considered a work injury.

In fact, the disputes and lawsuits about the recognition of work injuries have been constant. Not only 48 hours of life and death line, to recognize the work injury, not so easy.

5, Yancheng Maternity Insurance: must have a unit

Maternity is a very private thing, but if there is no work unit, it is difficult to enjoy maternity insurance. This is because maternity insurance must be paid by the unit. In other words, a full-time wife would not be able to have maternity insurance.

Maternity insurance can only be enjoyed if you have paid contributions for at least one year. After the birth of a child, you will have to continue to pay, but if you don't, you won't be able to enjoy the benefits of family planning at a later stage.

6, Yancheng City housing fund: long-term not cost-effective

Many people know that the more units paid every month, the better the housing fund, the future to buy a house, renovation can be used. But for those who don't buy a house, or are not prepared to buy a house in the short term, it's not cost-effective to have a provident fund just sitting in your account.

This is because the portion of the provident fund that is paid in the current year can only earn a demand deposit rate, and the funds paid in previous years can only earn a three-month fixed deposit rate. With inflation on the rise, it is obviously not as good as using it for investment yourself, or even a one-year fixed deposit in a bank.

Now, these little secrets about the five insurance funds, you have figured out?