Isn't the base of paying three or four social security unchanged with the change of wages? Is it based on the salary of the first job?

"Three gold" refers to pension insurance, medical insurance and unemployment insurance.

"Four funds" refer to endowment insurance, medical insurance, unemployment insurance and housing accumulation fund.

Endowment insurance refers to the cash that can be received every month after retirement.

See social security clearly

Composition of social insurance

endowment insurance

unemployment insurance

employment injury insurance

medical insurance

maternity insurance

I. Endowment insurance

1, basic old-age insurance

The basic old-age insurance is a system implemented by the state through legislation, which aims to ensure that workers get basic living security when they lose their ability to work in old age.

Applicable to all kinds of enterprises and employees, the standards are basically unified, and the expenses are shared by the state, enterprises and individuals.

The society as a whole is combined with individual accounts.

Every employee has a life-long pension insurance account, and the individual contributions and the retirement pooling fees paid by the employer are included in the personal account. No matter where employees work, as long as individuals and units pay fees, they are included in personal accounts. When you retire, the pension will be paid according to the accumulated amount in your personal account.

Personal accounts include:

1, all basic old-age insurance premiums paid by individuals;

2, the basic old-age insurance premiums paid by enterprises are included in a certain proportion of the insured individual contribution wage base;

3. Interest on the amount stored in personal account

How to store and use the amount of personal account?

1. Buy special directional bonds of the National Social Insurance Fund.

2, deposited in the bank pension insurance fund accounts

Personal accounts can only be used for providing for the aged, and may not be withdrawn in advance for reasons such as house purchase, medical care and children's education.

Can personal accounts be inherited?

If an employee dies on the job or after retirement, his personal account can be inherited.

On-the-job death: the amount of inheritance is the principal and interest of the individual contribution in the individual account.

Death after retirement:

Inheritance amount = individual account balance × the proportion of individual payment principal and interest to the total storage amount of individual account.

What is wage payment?

Payment of wages refers to the payment base of endowment insurance premiums calculated by units and individuals according to the prescribed proportion, which is an important basis for individuals to calculate the level of endowment insurance.

Basic old-age insurance premium payment standard

1, individual: based on my average monthly salary in the previous year, the contribution ratio is 8%;

2. The unit shall pay the basic old-age insurance premium according to 19% of the sum of the salary bases of all insured persons (adjusted to 20% from 2003).

How to determine the proportion of enterprises in personal accounts?

1July, 1998, it was stipulated that a personal account for basic old-age insurance should be established for the insured according to 1 1% of the salary base paid by the insured.

The proportion of enterprise contributions is 3%

Who can receive the basic pension on a monthly basis?

When reaching the retirement age stipulated by the state, the accumulated basic old-age insurance premium 15 years or more;

1In July, 988, those who took part in the work before the implementation of the Regulations and retired after the implementation paid the basic old-age insurance premium for more than 0/0 years.

Basic old-age insurance benefits

Basic pension consists of basic pension and personal account pension.

1, monthly standard of basic pension: 20% of the average monthly salary of employees in this city in the previous year;

2. Personal account pension standard:1120 of my account deposit;

If the individual payment period is less than 15, he will not enjoy the basic pension treatment on a monthly basis after retirement, and the amount stored in his personal account will be paid to him in one lump sum.

Second, unemployment insurance.

What is 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.

1, mandatory principle

2, the principle of unity

3. The principle of tripartite burden

Unemployment insurance premium payment standard?

Unit: Pay unemployment insurance premium according to 65,438+0.5% of the total average monthly salary of employees in the previous year;

Individuals: Individuals pay unemployment insurance premium at 0.5% of their average monthly salary in the previous year.

What are the conditions for enjoying unemployment insurance?

1, who has participated in unemployment insurance and paid according to regulations;

2. Unintentional interruption of employment;

3, has been registered for unemployment, and there are job requirements.

The treatment of the unemployed?

1, Medicaid;

2. One-time Medicaid;

3. Plan maternity grants;

4. Funeral allowance;

5. Pension

What is the duration of unemployment insurance?

1-2 years, 3 months;

2-3 years, 6 months;

3-4 years and 9 months;

4-5 years, 12 months;

For more than 5 years, it will be paid every 1 year 1 month, with a maximum of 24 months.

What are the criteria for receiving unemployment benefits?

1, payment

2, 5- 10 years, 75% of the minimum wage;

3、……

70% of the minimum wage from the13rd month.

Third, industrial injury insurance.

What is industrial injury insurance?

Work-related injury insurance is legislation passed by the state, which provides medical treatment, vocational rehabilitation, economic compensation and basic living security for workers who suffer accidental injuries and lose their ability to work due to work accidents and occupational diseases; A social insurance system that provides material assistance, such as pensions, to the survivors of people who died at work.

What are the conditions for enjoying industrial injury insurance?

Injured at work and in a sick state

Persons who lose their ability to work due to work-related injuries and thus interrupt their wage income.

Permanent or temporary loss of working ability and total or partial loss of wage income

Survivors who lost their source of living expenses because of the death of their breadwinner.

What is the treatment of industrial injury insurance?

1, industrial injury medical treatment

2. Work injury treatment

3. Disability treatment

4. Occupational rehabilitation treatment

5. Treatment of death at work

Irresponsible compensation

When a worker has an industrial accident in production, regardless of whether the responsibility for the accident belongs to the worker himself or not, the person who suffers occupational injury should unconditionally obtain the necessary economic compensation.

Industrial injury insurance premiums are all borne by enterprises, and individuals do not pay.

Fourth, medical insurance.

1, basic medical insurance

1, the basic medical insurance is organized by the government, and employers and employees participate together. The level of medical treatment of the insured is determined according to the affordability of finance, employers and employees.

2, the basic medical insurance to implement the combination of individual accounts and pooling funds, to protect the basic medical needs of the insured.

What is the big medical mutual aid system?

In order to solve the problem of excessive personal burden of seriously ill inpatients and chronic outpatients, the supplementary medical insurance that enterprises and institutions that are organized by the government and do not enjoy civil service subsidies must participate in is a necessary supplementary part of the basic medical insurance.

Payment standard of basic medical insurance

Basic medical insurance premium and large medical expenses

Insured employees 2%5 yuan

Retirees /3 yuan

Employer 9% 1%

The average wage of employees in the previous year is based on the sum of the wages paid by all employees of the enterprise.

Description of payment standard of basic medical insurance

If the average monthly salary of employees in the previous year is lower than 60% of the average monthly salary of employees in this Municipality, 60% of the average monthly salary of employees in this Municipality in the previous year shall be used as the payment base.

The standard part that exceeds 300% of the city's average monthly salary is not used as the payment base.

individual account

Personal account is a special account set up by the agency for the insured through the bank, which is used to record and store the use of medical insurance premiums paid by individuals and premiums paid by units.

The funds in personal accounts belong to individuals and can only be used to pay medical expenses. Individuals cannot deposit money into this account.

Sources of personal account funds

1, all personal contributions are included in the personal account.

2, the proportion of unit payment included in the personal account.

Under the age of 35, pay 0.8% of my salary;

35-44 years old 1%;

Over 45 years old is counted as 2%;

Retirees under the age of 70 are counted as 4.3% of the average salary of the previous year.

Over 70 years old is counted as 4.8%.

Personal account payment range

1, outpatient and emergency expenses;

2. Designated pharmacies need sufficient fees;

3. Co-ordinate the expenses below the minimum payment line of the fund;

4. The deductible Internet access fee shall be borne by the individual in proportion.

Medical expenses that are not paid by the overall fund.

1, non-designated medical institutions (except emergency)

2, non designated pharmacies to buy drugs (except emergency)

3. Injuries caused by traffic accidents, medical accidents or other accidents.

4. I take drugs, fight or cause injuries due to other illegal acts.

5, due to suicide, self-mutilation, alcoholism and other reasons to receive treatment.

6. Treatment abroad or in Hongkong, Macao Special Administrative Region and Taiwan Province Province.

7, in accordance with the provisions of the state and the city should be paid by individuals.

Basic medical insurance: Qifubiaozhun (unit yuan)

Hospital grade qifubiaozhun

Active employees and retired employees

Level I Hospital 500(759)350(53 1)

Level II Hospital 1000(797)

Tertiary hospital 2000 (1897)

Note: The minimum payment standard is after July 1 in 2005, and the brackets are before July 1.

Basic medical insurance: payment ratio

Hospital-level employees and retired employees

Overall fund pays individual contributions, and overall fund pays individual contributions.

90% 10%93%7% of the first-level hospitals

Secondary hospital 85% 15%89.5%

Tertiary hospital 80%20%86% 14%

Basic medical insurance: capping line

Maximum limit (maximum payment limit of the whole fund):

The annual cumulative machine is calculated at 4 times the average wage of employees in this city in the first half of the year.

For example, the average salary last year was 3 1020 yuan.

The top line is 124080.

Basic medical insurance: major illness allowance

Proportion of payment of Medicaid expenses for major diseases Proportion of individual payment of Medicaid for major diseases

0 to 65438+ 10,000 yuan 90% 10%

More than150,000 yuan and less than150,000 yuan, 95% and 5% respectively.

Verb (abbreviation of verb) maternity insurance

Social maternity insurance is a social security system which aims at women's reproductive behavior and characteristics, collects maternity funds by compulsory means, provides timely economic help for pregnant and lying-in women, guarantees the basic life and health of insured mothers and children, and guarantees the reproduction of social population and the rights and interests of women and children.

Who handles maternity insurance?

(1) State organs, institutions, state-owned enterprises, municipal collective enterprises, social organizations, private non-enterprise units, municipal foreign-invested enterprises and their employees who participate in endowment insurance in our city, and central, provincial and other enterprises and institutions and their employees who participate in comprehensive basic medical insurance in Dongguan should also participate in maternity insurance.

(II) Township collective enterprises, township foreign-invested enterprises, private enterprises and their employees, urban individual economic organizations and their employees, according to the scope of implementation of the old-age insurance in our city, while participating in the old-age insurance and hospitalization basic medical insurance, must take the township as a unit to participate in maternity insurance.

payment types/methods

Maternity insurance for employees shall raise funds in accordance with the principle of "fixed income with support and slight savings".

The maternity insurance premium for the above-mentioned employees in Item (1) of Article 2 shall be paid monthly by the unit at 0.5% of the total average monthly salary of all employees in the previous year;

The maternity insurance premium of the employees in Item (2) shall be paid by the unit according to 0.5% of the average monthly salary of employees in this city (town) last year multiplied by the number of employees on the job. Self-employed workers do not pay maternity insurance premiums.

Maternity insurance benefits

Workers who participate in maternity insurance, after two months of insurance, meet the provincial and municipal family planning conditions or planned pregnancy and abortion, according to their participation in comprehensive basic medical insurance or hospitalization basic medical insurance, respectively, according to the following standards, enjoy a one-time fixed maternity allowance and maternity medical treatment:

After the insured woman is discharged from the hospital, if she suffers from diseases caused by childbirth during the puerperium (within six weeks after delivery), her basic medical expenses for hospitalization shall be paid in the following ways (other diseases shall be handled according to the provisions of medical insurance):

For female employees who participate in comprehensive basic medical insurance and maternity insurance, the maternity insurance fund can reimburse 90%, and the personal burden is10%; The maternity insurance fund pays 80% and the individual pays 20% for female employees who participate in basic medical insurance and maternity insurance.

Insured couples voluntarily have only one child for life, which is in line with the relevant provisions of the Guangdong Family Planning Regulations. After receiving a valid one-child certificate from the family planning department, they can enjoy 280 yuan at one time.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.