How much social security is deducted from the 5000 salary of public institutions?

The proportion of institutions paying five insurances and one gold is higher than that of ordinary enterprises, but lower than that of many large and medium-sized state-owned enterprises, joint ventures and foreign-funded enterprises with good benefits.

Strictly speaking, the social security that institutions need to pay should be "six insurances and one gold", that is, endowment insurance, medical insurance, work injury insurance, maternity insurance, unemployment insurance, provident fund and occupational annuity. This is the part that the company must withhold. For individual employees, because all work-related injury insurance and maternity insurance are paid by employers, individuals need to withhold and pay. In fact, there are only three insurances and two golds to co-ordinate the "three insurances and two golds".

Specific payment ratio:

1. Old-age insurance: the unit pays 20% and the individual pays 8%.

2. Medical insurance: the unit pays 8% and the individual pays 2%.

3. Work-related injury insurance: the unit pays 1%, and the individual does not need to pay.

4. Maternity insurance: the unit pays 1%, and the individual does not need to pay.

5. Unemployment insurance: the unit pays 2%, and the individual pays 1%.

6. Housing accumulation fund: units and individuals shall be withheld in equal amount, with an average deduction of 12% for individuals and a maximum deduction of 15% in some areas.

7. Occupational annuity: the unit pays 4% and the individual pays 4%.

Economically, the monthly salary withholding ratio of employees in public institutions is between 27% and 30%. If the salary payable is 5,000 yuan, the actual income is 3,560 yuan per month 1.350- 1.500 after deducting various insurance premiums. Compared with ordinary private enterprises, this ratio is relatively high. The gap is mainly concentrated in two parts, one is the provident fund, and many private enterprises withhold and pay at least 5%; Second, occupational annuity. At present, most private enterprises have not paid occupational annuities. And why some foreign companies or large state-owned enterprises are higher than public institutions, mainly because of the proportion of provident funds, many of which are paid according to the highest ceiling. Because the wage base of these enterprises is relatively large, the amount deducted is relatively large, and the superposition of individuals and units is much higher than that of public institutions.

Is the ratio of five insurances and one gold in public institutions higher than that in private enterprises? In terms of payment ratio, the whole country is the same, and the payment ratio of government agencies, institutions, state-owned enterprises, private enterprises and foreign-funded enterprises is the same. There is no question of the proportion of contributions, and all units and individual employees pay in proportion.

Since public institutions have been included in the social security payment system since 20 14, 10 and 1, there is no difference in the payment ratio between them and enterprises. The contribution rate of endowment insurance is still 24%, including unit contribution rate 16%, individual contribution rate 8%, medical insurance contribution rate 8%, unit contribution rate 6%, individual contribution rate 2%, unemployment insurance contribution rate 1%, unit contribution rate 0.5% and individual contribution rate 0.5%. Maternity insurance and industrial injury insurance are paid by the unit. The deposit ratio of housing provident fund is 5% 12%. Institutions pay in accordance with the payment ratio stipulated by the local government, and enterprises pay in accordance with the specific payment ratio determined by the unit. Therefore, as long as it is a unit that participates in social security for urban workers, the payment ratio is the same, but the payment ratio of individual insurance types between regions has been adjusted, which is a local policy.

Although there is no difference between the payment ratio of public institutions and the payment ratio of enterprises, the payment base and payment index are completely different because of the large wage difference between public institutions and enterprises. The wage gap of staff in public institutions is relatively small, and the wage gap of each rank is only a few hundred yuan, which is relatively unified on the whole; However, the wage gap in enterprises is relatively large, for example, the gap between unit leaders and department leaders may be several times, and the gap between department leaders and ordinary employees is several times. The payment unit of "five insurances and one gold" takes the total wages of employees as the payment base, and individuals take the actual wages as the payment base. Because everyone's salary level is different, although the proportion of deduction is the same, the specific amount of deduction is different. Because the salary standard of everyone in the same office is different, the payment base is different, and the specific payment amount will not be the same.

Although the contribution ratio of public institutions is the same as that of enterprises, the average wage level of employees in public institutions is higher than that of private enterprises. In addition, employees in public institutions have stable jobs and long continuous payment time. After retirement, the average person has more than 30 years of service or payment period, so the overall pension level will be higher after retirement. In enterprises, especially private enterprises, many units take the payment base not according to the actual wages of employees, but according to the local average social wages of employees, and some units even take 60% of the average social wages of employees as the payment base. In addition, employees in private enterprises are unstable and sometimes stop sending. Many people pay 15 years or so, and relatively few pay for 20 years. This is a private enterprise employee.

To sum up, since institutions began to pay five insurances and one gold in 14+06, 20 1 year 10, the proportion of their contributions is completely consistent with that of employees of enterprises, and there is no difference between units and individuals and enterprises. However, because everyone's salary level is different, the monthly payment base of employees is different, which leads to different payment amounts. Coupled with factors such as payment period and personal account, the pension difference after retirement is also relatively large.

Whether private enterprises, state-owned enterprises or institutions pay five insurances and one gold, the proportion is almost unified throughout the country. However, Mr. Yang, who fights when he retires, is different, mainly because of the different payment base and payment period. The payment ratio is roughly as follows:

Endowment insurance: unit 15%, individual 8%

Medical insurance: unit 10%, individual 2%+3.

Maternity insurance: the unit is 0.8%, and the individual does not pay.

Unemployment insurance: unit 0.8%, urban hukou 0.2%, rural hukou not required.

Work-related injury insurance: unit 0.2%- 1.9%

Housing accumulation fund: units and individuals: 5%- 12%.

The above proportion is basically common in the whole country, which shows that whether it is state-owned enterprises, private enterprises or institutions, the contribution ratio is the same, and there is no obvious difference in height. Then there is a phenomenon that everyone must have seen: when we work in the unit, when the monthly salary is 6,000 yuan or 8,000 yuan, the social security paid by the unit for us is paid according to the lowest proportion, which means that regardless of the salary, the social security paid is the lowest. This is inconsistent with state-owned enterprises and institutions. State-owned units will pay in strict accordance with the provisions of the social security law. The salary of 5000 is 5000, and the salary of 8000 is 8000. This is called full payment.

At present, there is not much difference between the full payment and the minimum payment. At present, the monthly medical insurance payment is different, and the high return is more. When the rest retire, the gap will widen. Employees who pay in full are much higher than the minimum pension, and the highest gap can reach nearly 7.5 times. When the minimum payment is 1000 yuan/month, the maximum payment can be 7500 yuan/month.

Therefore, the payment ratio is unified and the unit cannot be changed. The difference is the payment base, which is declared by each unit and will be uneven, high or low.

Thanks for reading, welcome to add my attention!

Hello, landlord. Strictly speaking, the payment ratio of five insurances and one gold is different for everyone, because the payment ratio of five insurances and one gold is determined according to your actual salary, so everyone is basically different, because there are different payment indicators to choose from.

Of course, in order to reduce one of his labor costs, many private enterprises pay their five insurances and one gold treatment according to the minimum payment base. In this way, the so-called private enterprises, its five insurance and one gold payment is relatively low. Compared with the proportion of institutions paying five insurances and one gold, it is definitely lower. If private enterprises only pay five insurances and one gold according to the minimum payment standard, it is basically incomparable with public institutions.

Because although public institutions began to pay five insurances and one gold after 20 14, they all paid the corresponding social security benefits in strict accordance with one of their own salary standards, which means that the social security benefits paid by the staff of public institutions are relatively high, and public institutions have established an occupational annuity system, which is a supplementary pension system. Therefore, while enjoying this pension, institutions can actually have one after retirement.

Thanks for reading, please add my attention.

Hello, landlord, why is the ratio of five insurances and one gold in public institutions higher than that in private enterprises? This problem is indeed quite common, and many people may be very concerned about it. Even if it is normal, why? Because the staff of public institutions participated in five insurances and one gold after 20 14, the staff of public institutions set the payment base of social security strictly according to their actual income, so the payment base is relatively high.

Then, as a private unit, many private business owners pay social security benefits according to the minimum payment standard of 60% in order to reduce the labor cost of employees. In this case, their payment level is relatively low. Therefore, the payment level of private enterprises and institutions is different. Then the final impact is that the level of pension benefits will be different in the future, because the higher the payment index, the higher the level of pension benefits.

However, this problem will be fundamentally solved after the 20 19 social security tax reform, because the main purpose of the social security tax reform is to require enterprises to pay social security benefits in strict accordance with the actual income of their employees. It is not allowed to pay social security agents according to low standards, so in this case, this phenomenon will be gradually changed from this year, and social security benefits will be paid according to their actual income.

Thanks for reading, please add my attention.

Willing to answer questions in the workplace: in the same place, the five insurances and one gold of public institutions are generally higher than those of private enterprises, but if the benefits of private enterprises are good, the five insurances and one gold will be higher. 1. What are the contents of five insurances and one gold? 2. What is the general payment ratio of five insurances and one gold? 3. Why are there more public institutions than private enterprises? 1. What are the contents of five insurances and one gold?

Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees will be merged in some pilot areas, and the cost of birth check-up will be reimbursed together with general medical expenses.

1. Purchase basis:

2. Purchase amount:

Social insurance base, referred to as social insurance base, refers to the social insurance payment base of employees in a social security year.

It is determined according to the average monthly wage income of employees from June 1 day to February 1 day in the previous year. Simply put, it is social security base = annual wage income 12.

The social insurance payment base is an important basis for calculating the social insurance premiums and social insurance benefits paid by employers and their employees. There are upper and lower limits, depending on the actual situation in each region.

2. What is the general payment ratio of five insurances and one gold?

The monthly payment base of social insurance is generally determined according to the average monthly salary of employees in the previous year, which is determined once a year. Once determined, it may not be changed within one year. The contribution ratio of general institutions is as follows:

Calculated in proportion, paid by units and individual employees respectively.

1) endowment insurance: unit: 22%, individual: 8%.

2) Unemployment insurance: unit: 2%, individual 1%.

3) Maternity insurance: all borne by the unit (0.5%)

4) Work-related injury insurance: it shall be borne by the unit (0.5%).

5) Medical insurance: unit: 12%, individual 2%.

6) Provident fund: unit: 12%, individual: 12%.

Note: The proportion mentioned here refers to the housing accumulation fund in general, especially. Different units have different deduction ratios. Institutions are also divided into four levels: province, city, county and township. At the same time, institutions are also divided into fully funded institutions and self-supporting institutions. According to the benefit of the unit, the unit decides the proportion of provident fund withdrawal.

3. Why are there more public institutions than private enterprises?

The number of "five insurances and one gold" is determined by the social insurance payment base and the proportion paid by individuals and units respectively.

1. About the payment base.

The payment base of social insurance depends on the salary base, and the salary base of public institutions is fixed.

The salary base of private enterprises is set by the enterprises themselves. The salary of private enterprises is graded, and the salary of chairman, general manager, department manager and ordinary employees is very different. So the base for paying social insurance is completely different. The higher the base, the higher the payment under the same proportion.

However, the wage gap of staff in public institutions is not very large. Compared with enterprise executives, the payment base of institutions is relatively low, and compared with ordinary employees of enterprises, the payment base of institutions is relatively high.

2. About the payment ratio.

In the same way, the payment ratio of enterprise executives is much higher than that of ordinary employees, so the "five insurances and one gold" payment of enterprise executives is definitely higher than that of public institutions, but it is not necessarily the case for ordinary employees. Depending on the specific situation of the units, many of them are lower than those of public institutions.

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Coordinates Shandong new second-tier cities, private enterprises, five insurance payment base has been adjusted several times, the current base is 3466, and individuals pay 340 a month. The contribution base of provident fund is 3000, and each individual company 12%, which is quite high, but the base is low, and there is not much in one month. The cardinality is based on the minimum standard.

The five insurances and one gold of civil servants and institutions have been compared several times, and I dare not compare them again in the future. The five insurances are basically the same, and the provident fund is also quite large. Most private enterprises do not have enterprise annuities.

Now formal enterprises have to pay five risks, but the root of private enterprises is that bosses should maximize profits and reduce costs as much as possible. Civil servants and institutions responded to the policy, improved the treatment guarantee, and paid them in full and on time. This is also one of the reasons why civil servants and institutions are still scrambling to apply for the exam when their wages are low.

It's hard to say, generally speaking, the proportion of five insurances and one gold in public institutions is higher than that in domestic private enterprises, but it's hard to say about foreign investment and joint ventures!

If they are paid in accordance with state regulations, the proportion of five insurances and one gold is the same. There are not many problems.

However, due to the different nature of enterprises, they have different attitudes towards paying five insurances and one gold.

Institutions and state-owned enterprises are state units, which are more standardized in terms of payment. Generally, you won't pay less. However, due to the problem of cost control, private enterprises often pay less or not. I have a relative who works in a private hotel. The hotel only pays a nominal amount of money, not paying five insurances and one gold. I have two classmates, both of whom are middle and senior managers in enterprises. One works in a private enterprise with a high annual salary, but the provident fund is only 100 yuan a month. The classmate who works in a state-owned enterprise has an annual salary of only 200,000 yuan, but his provident fund actually reaches 2,000 yuan per month.

Therefore, private enterprises pay less or even no five insurances and one gold.

Institutions generally pay wages in strict accordance with the provisions of the labor department.

But private enterprises are relatively more flexible.

Large private enterprises may be better, but for most small and medium-sized enterprises that effectively supplement the socialist economy, paying fees according to the minimum base has become the choice of most enterprises.