Proportion of social security between units and individuals 2023

Social security has a great relationship with our life. We will take some social insurance in our life, not only to protect ourselves, but also to reduce the burden on our families. Endowment insurance in social security can improve the life and economy of our elderly, and medical insurance in social security can reduce the economic pressure of our treatment. Both kinds of insurance are good and worth it. These are the two types of social security paid by individuals, and other social security should be shared by enterprises and individuals. So what is the social security ratio? Let's listen to Bian Xiao's opinion.

1. What is the social security ratio?

Social security includes five kinds of insurance: endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees.

Pension insurance payment ratio: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account).

The proportion of medical insurance payment: 8% for the unit and 2% for the individual.

Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual;

Work-related injury insurance payment ratio: the unit pays 1% for you every month, and you don't have to pay a penny yourself;

Maternity insurance payment ratio: the unit pays you 1% every month, and you don't have to pay a penny yourself.

Article 60 of the Social Insurance Law, the employing unit shall declare itself 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.

Second, the role of social security.

1. Old-age insurance provides protection for the elderly.

Basic endowment insurance is different from voluntary commercial endowment insurance. It is a compulsory insurance system implemented according to national laws, and all units and individuals within the scope of implementation must participate. The fundamental purpose is to ensure the basic life of workers after they quit their jobs in old age, so that they can have a sense of security. The object of endowment insurance in China was originally limited to employees of state-owned and collective enterprises. With the deepening of economic system reform, multiple ownership systems and economic components with public ownership as the main body coexist, and it is very common for employees to move frequently in different regions and between different ownership systems. In order to relieve the worries of urban workers in choosing jobs, optimize the allocation of labor resources and serve social stability and economic development. At the same time, due to the progress of society and the improvement of people's living standards, it has become an indisputable fact that the population tends to be aging, and the family structure will also undergo great changes. Therefore, the state requires all kinds of urban enterprises, employees, individual industrial and commercial households and their helpers, urban freelancers to participate in a unified social basic old-age insurance system and enjoy the same basic old-age insurance benefits as employees of state-owned and collective enterprises.

2. Medical insurance provides protection for diseases.

Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. Medical insurance has the basic characteristics of social insurance, such as compulsion, mutual assistance and sociality. Therefore, the medical insurance system is usually enforced by national legislation and a fund system is established. The expenses are paid jointly by the employer and the individual, and the medical insurance premium is paid by the medical insurance institution to solve the medical risks caused by the illness or injury of the employees.

3. Industrial injury insurance plays an important role at the critical moment.

Generally speaking, industrial injury insurance is rarely used, but if something happens at work or at work, this insurance will be used. It is understood that work-related injury insurance is a social security system that centralizes the work-related injury insurance premiums paid by employers, establishes a work-related injury insurance fund through social co-ordination, and gives practical legal medical treatment and necessary economic compensation to workers or their survivors who suffer accidental injuries or occupational diseases in production and business activities, resulting in death, temporary or permanent loss of working ability.

This kind of compensation includes not only medical and rehabilitation expenses, but also the cost of ensuring basic living. The implementation of work-related injury insurance has guaranteed the medical care and basic living, disability pension and survivors' pension of workers with work-related injuries, and relieved the worries of workers and their families to some extent. Compensation for work-related injuries reflects the respect of the state and society for workers. The establishment of industrial injury insurance is conducive to promoting safe production and protecting and developing social productive forces. Industrial injury insurance is closely related to the improvement of working conditions, disease prevention and injury prevention, safety education, medical rehabilitation and social services in production units. It is of great significance to improve the safety production level of production and business units and employees, prevent or reduce work-related injuries and occupational diseases, and protect the health of employees.

4. The important role of participating in maternity insurance.

Maternity insurance is a social policy that the state provides living security and material assistance for pregnant women. Because of the natural differences in physiological functions between female workers and male workers, female workers were originally in a weak position in the labor market. The state protects their legitimate rights and interests through maternity insurance, so that they will not lose their jobs due to childbirth.

Both men and women pay maternity insurance, but the insurance is mainly for women. Maternity insurance allowance for female employees includes maternity allowance, maternity medical expenses, nutrition allowance and other subsidies, of which maternity allowance is 4 months' salary. While male employees enjoy 10 days of vacation and allowance. If the female spouse has no job or the work unit has not paid maternity insurance, the male can use his maternity insurance as soon as possible, but only half of the medical expenses can be reimbursed, and there is no salary for four months.

5. The importance of participating in unemployment insurance

Establishing unemployment insurance fund is an important part of unemployment insurance system, and unemployment insurance premium is the main source of unemployment insurance fund. Therefore, only when urban enterprises and institutions and their employees pay unemployment insurance premiums in full and on time according to regulations can we ensure the payment ability of unemployment insurance funds, effectively protect the basic livelihood of unemployed people and promote the capital expenditure needed for re-employment.

Developing unemployment insurance is an important duty of the state. On the one hand, the government should organize the collection and management of unemployment insurance premiums. On the other hand, when the unemployment insurance premium can't meet the demand, the government will ensure the fund expenditure through financial subsidies. It is an important measure to ensure that the unemployment insurance premiums collected are deposited in banks or purchased government bonds according to regulations, and the interest income obtained is incorporated into the fund.