What's the use of high social security

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Social security and medical insurance are a kind of welfare treatment of the country. The company has changed, so has the social security! Social security, in layman's terms, for example, if you are sick and the medical expenses are not very high, the Social Security Bureau can reimburse you for most of the social security unemployment insurance. If you are unemployed, they will help you find a job and you can get unemployment benefits. If you accidentally have an accident and pay social security accident insurance, they can pay you accident compensation. If you pay the old-age insurance, you can get a certain pension every month when you are 60 years old. Medical insurance refers to social medical insurance. When doctors treat patients, they often consider the patient's medical insurance. The following is the basic knowledge of social medical insurance.

Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. The basic medical insurance fund consists of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts; The basic medical insurance premium paid by the employer is divided into two parts, one part is included in the personal account, and the other part is used to establish the overall fund.

Social Security For employees, social security refers to "five insurances and one gold", specifically: endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance; One gold: housing accumulation fund.

"Housing accumulation fund": the specific units and individuals each bear 50% of the proportion, calculated according to the average annual salary of individuals. The state stipulates that the housing accumulation fund shall not be less than 10% of the salary, and the units with good benefits may be higher, and the employees and units shall bear 50% respectively. Therefore, paying the housing provident fund is very cost-effective for employees!

In terms of "five risks", according to the wages of employees, the sharing ratio between units and individuals is generally: pension insurance units bear 20%, and individuals bear 8%; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit 2%, individual1%; 1% maternity insurance shall be borne by the unit; 0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance. Social security is the abbreviation of basic social endowment insurance. Those who participate in the social security pension system and meet the Regulations on the Administration of Endowment Insurance can receive pensions (retirement pensions) after reaching the statutory retirement age. The regulations on the management of old-age insurance stipulate that: 1, and the accumulated payment is 15 years, reaching the statutory retirement age. You can get a pension (pension). The cumulative payment period is less than 15 years, and you can't get a pension (pension) under normal circumstances. The contribution ratio of endowment insurance varies from region to region. You can ask the local social security agency for details. If you are 25 years old now, you will not get a pension if you buy 15 years. You must meet the requirements of pension insurance management in order to receive relevant treatment. The Regulations on the Administration of Endowment Insurance stipulates that after the insured pays 15, 5% of the pension benefits at retirement will be accrued for each additional payment. So under normal circumstances, the insured is paid to the statutory retirement age. In addition, because the retirement benefits of old-age insurance are increasing every year, its payment amount is also increasing with the socialized wage index. Therefore, the state bears corresponding social responsibilities to the insured. The unit pays more than 300, and the individual pays more than 100. How do you divide this near 500 yuan? How can there be so much money in the social security card? Where did all the money go? Ah, I bought it at the age of 40, and I have to pay it at the legal age? There is a burden ratio in the payment of endowment insurance. First of all, you have to determine your personal contribution base, and then you can work out the amount you bear. Unit 20%, individual 8%, unit 1%, unit 2%, individual 1%. The social insurance expenses paid by the unit are included in the social pooling fund, and the expenses paid by the individual are included in the personal account of endowment insurance. If you want to receive a pension (retirement pension), you must comply with the relevant policies of pension insurance.