How to calculate the account balance of social security card in the current year and over the years?

1. Account over the years = (total personal medical insurance payment this year+unit payment included in personal account-advance payment at the beginning of the year+account balance at the end of the year-deduction from the previous year+medical insurance adjustment this year+other insurance transfer amount) ×( 1+ interest rate)

2. Account in this year = monthly account amount paid in advance in the next year × 12+ individual account unit payment part included in the standard+[liquidation amount in this year (if the liquidation amount in this year is negative)]

Third, simply put, the accounts of the past years are the money you have paid so far MINUS the money you have used. The account was paid to you in advance according to your previous payment base, and will be settled next year.

Medical insurance is paid on a monthly basis, and the balance of the current year is the sum of the personal account balance of the current year 12 months. The calendar year account refers to the name that is now called the previous year account.

4. The account balance of the social security card is the personal account of the social security applicant, that is, the monthly social security pension amount: salary base *11%*1February.

This is how the balance over the years has been accumulated.

Usually, the monthly payment ratio of social security pension is 20% for the company and 8% for the individual, of which 1 1% is credited to the individual account and 17% is credited to the social security pooling account.

Extended data:

Calculation standard of social insurance premium

Social insurance must work out a certain proportion of the insured's burden according to the probability of various risk accidents and the total payment expenditure estimated in advance according to the payment standard as the standard for determining the insurance rate. Moreover, unlike commercial insurance, the calculation of social insurance rate needs to consider more social and economic factors besides risk factors in order to obtain a fair and reasonable rate.

Collection method of social insurance premium

1, proportional insurance system

This method is based on the wage income of the insured, and a certain proportion is stipulated to collect insurance premiums.

Adopting the proportional system, the initial main purpose of social insurance is to compensate the income lost by the insured in risk accidents in order to maintain their minimum living. Therefore, we should refer to his usual income, on the one hand, as a standard to measure payment, on the other hand, as the basis for premium calculation.

The biggest drawback of the work-based proportional insurance system is that the burden of social insurance is directly related to wages. Whether employers and employees bear social insurance premiums or one of them bears social insurance premiums, the burden of social insurance is manifested in the increase of labor costs, which will lead to capital crowding out labor, which will lead to an increase in unemployment.

2。 Equal insurance premium system

That is, regardless of the income of the insured or his employer, the insurance premium of the same amount should be charged. The advantages of this system are simple calculation and easy to be universally realized. Moreover, in countries that collect insurance premiums in this way, the payment system is generally divided equally, which has the significance of equal income and expenditure. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability.

Baidu encyclopedia-social insurance