What is the social insurance industry rate?

Social insurance industry rates need to be treated differently. The industry rate of basic old-age insurance may be 8%, 12% and 20%. The unit rate of basic medical insurance and unemployment insurance is 2%, and the personnel rate is1%; The industrial injury insurance rate is controlled between 0.5% and 3%, and employees do not pay; Maternity insurance rates may be, er, 0.4% and 0.8%, and employees will not pay.

1. What is the social insurance industry rate?

1. Basic old-age insurance: the unit contribution rate is 20%, and the individual contribution rate of employees is 8%. The contribution rate of individual economic organizations is 12%, and the individual contribution rate of employees is 8%.

2. Basic medical insurance: the unit contribution rate is 8%. The proportion of employees' individual contributions is 2%.

3. Unemployment insurance: the unit contribution rate is 2%. Employee individual contribution rate 1%.

4. Work-related injury insurance: according to the risk degree of the industry, determine the benchmark rate of this unit, and control the benchmark rate between 0.5% and 3%, and adjust it in time according to the relevant situation. Employees do not pay their own fees.

5. Maternity insurance: the contribution rate of state organs and fully funded institutions is 0.4%; The enterprise contribution rate is 0.8%; The contribution rate of other employers can choose 0.4% or 0.8%. Employees do not pay their own fees.

Second, the collection method of social insurance premiums

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 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.

There are differences in the industry rates of five social insurances, and the specific rates need to be determined by combining insurance types and units. In our country, the sharing subjects of social insurance premiums are the state, enterprises and individuals, and the different combinations of these three subjects have produced many ways of cost sharing. Common social security rate allocation methods include average rate allocation system, differential rate allocation system and average progressive rate system.