What do you need to know after graduation?

Work and employment? Social five insurances and one gold? safe

College students employment guidance

medical insurance

Reimbursement of basic medical expenses will affect the use if payment is not cut off. From the date of insurance payment, employees can enjoy basic medical insurance benefits after 6 months. Medical insurance individuals pay 2%, units pay 6%, the cumulative payment time:

Men who have had sexual intercourse for 25 years and women who have had sexual intercourse for 20 years can enjoy lifelong medical insurance benefits without paying fees.

Remedial measures for withholding medical insurance:

Interrupt payment for 3 months → resume reimbursement for 6 months in the next month after payment → resume payment for more than 12 months after payment → resume payment for 1 year after payment.

Suggested additions:

Cheap bowls, hundreds of dollars to buy tens of thousands of insurance coverage to supplement medical insurance, expensive drugs/drugs can also be reimbursed, choose to guarantee renewal, to avoid getting old.

endowment insurance

Pay 15 years or more, and receive old age after retirement. Only look at accumulation, and paying money does not affect the collection. Individuals pay 8%, and units pay 20%.

Acceptance conditions:

At present, both men and women retire at the age of 65, and they can only receive it if they reach retirement age and pay 15 years before.

Key points:

One-time payment is not supported! Those who have not paid in full before retirement will have to pay for another five years. The more money you pay, the longer the time, and the better the treatment.

Supplement:

Want to get more after retirement: choose commercial pension insurance; Want to retire early: choose to increase for life.

unemployment insurance

You can only enjoy unemployment if you pay for one year. Generally speaking, you can get two months in one year and four months in two years, but the longest period of enjoyment cannot exceed 24 months. Can't accept voluntary resignation. Individuals pay 0.4%, and units pay 06%.

Acceptance conditions:

If you don't resign voluntarily, you will only lose your job if you are fired.

How much:

90% of the city's average minimum wage × 24 months

For example, the minimum wage in Shenzhen is 2360/ month, and after unemployment, it can be 2360*90%=2 124 yuan.

How to obtain:

1. Alipay can receive: Citizen Center → Social Security I → National Unemployment Benefit Application → Unemployment Insurance Application.

2. Or go to the Social Security Bureau for business with a social security card.

Work insurance

Compensation for work-related injuries is paid from here, and the total rates of eight grades range from 0.6% to 3.6%. The social security agency will verify the rates according to the characteristics of the industry to which the unit belongs. Work-related injuries to and from work are also counted ~ individuals do not pay fees, and employers pay fees.

What is work-related injury:

industrial disease

Accidents and injuries during working hours/workplaces/business trips/commuting, etc.

Precautions:

1. Remember to save relevant evidence (reimbursement form/report).

2. Don't use the medical insurance card to see a doctor

3. The first time the accident alarm+notify the unit.

Suggested additions:

1. accident insurance: in case of a dispute with the company, accident insurance will be paid first, and sudden death can also be paid.

2. Critical illness insurance: used after illness, one-time money.

maternity insurance

Those who are reimbursed for production expenses can also receive maternity allowance, which can only be received continuously for 6~ 12 months. Individuals don't pay, employers pay.

Reimbursement conditions:

In order to be reimbursed, you must give birth in the local area for one year.

What is the maternity allowance?

Maternity allowance = (per capita monthly payment of last year +30)

Days) × Maternity leave days

Either maternity allowance or maternity leave salary.

Precautions:

Everyone has to pay maternity insurance, and full-time wives can use their husbands' maternity insurance to reimburse them. After the interruption, they have to pay back the money for six months to one year before they can enjoy it.

Gong Zhijin

You can buy a house/rent a house/decorate it, and the payment will affect your settlement/car/school. Individuals and units each pay 5%~ 12% of the housing provident fund:

Housing loan/take out for use/children need to go to school, and the low interest rate of provident fund housing loan has a great impact on stopping payment (buying a car/settling down)

Key points:

Those that exceed the upper limit of the loan standard can be extracted and used to avoid waste.

Payment ratio:

Companies and individuals pay 1: 1, which is equivalent to an extra salary. Except for some companies, wages are paid according to the minimum wage.

Provident fund withdrawal: housing type: buying a house/renting a house/repaying a loan/renovating non-housing type: resignation/serious illness/minimum living allowance/retirement/death.