20 19 Guangzhou social security base

Revealing five insurances and one gold in Guangzhou: it is not cost-effective to use the housing provident fund for a long time.

Aspect 1: Guangzhou social security base and provident fund deposit base

As for the deposit base of provident fund, starting from July 1, the deposit base shall not be lower than the current minimum wage standard in this city 1895 yuan. Since the statistics department has not announced the average monthly salary of employees in this city, the upper limit of the deposit base is tentatively set at 5 times of the average monthly salary of employees in this city in 20 13 years, that is, 5808 yuan *5=29040 yuan. After the statistics department announces the average monthly salary data of employees in this city, Guangzhou Housing Provident Fund Management Center will issue a document to adjust the upper limit of the deposit base accordingly.

The average monthly salary of Guangzhou employees is 6 187 yuan.

Calculation method:

According to relevant regulations, the monthly deposit base of housing provident fund is the average monthly salary of employees in the previous year, and the upper limit of the deposit base of housing provident fund is 5 times. From the upper limit of 30,935 yuan in the above documents, it can be concluded that the social wage is 6 187 yuan (30,935 ÷ 5 = 6187 yuan).

Based on:

Article 10 of the Regulations of Guangzhou Municipality on Housing Provident Fund shall be calculated according to the proportion of housing provident fund contributions of employees and units based on the average monthly salary of employees in the year above the monthly contribution of housing provident fund. The wage income of employees is calculated according to the corresponding total wages announced by the Bureau of Statistics.

Social security base: from July 1 day, the upper limit of the basic old-age insurance payment base for urban employees will be adjusted from 13404 yuan to 14958 yuan; The lower limit remains unchanged at 2408 yuan. The upper limit of the basic medical insurance payment base for urban workers is adjusted from 17424 yuan to1856/kloc-0 yuan, and the lower limit is adjusted from 3485 yuan to 37 12 yuan. The upper limit of work-related injury insurance and unemployment insurance payment base is adjusted from 17242 yuan to1856/kloc-0 yuan, and the lower limit is the monthly minimum wage standard of Guangzhou employees, that is, 1895 yuan. The upper limit of the payment base of maternity insurance for urban workers is adjusted from 17424 yuan to1856/kloc-0 yuan, and the lower limit is adjusted from 3485 yuan to 37 12 yuan.

Aspect 2: Guangzhou social security ratio and provident fund deposit ratio

In terms of the deposit ratio of provident fund, the deposit ratio of housing provident fund for units and individuals is 5%-20% respectively, and the specific deposit ratio is independently selected by units and individuals. In principle, each unit can only choose one unit deposit ratio, and the individual deposit ratio should be equal to or higher than the unit deposit ratio.

Social security payment ratio: social security is divided into units and individuals (for reference only):

Endowment insurance: 8% for individuals, 20% for foreign-funded units, 0/8% for provincial units and 0/2% for private enterprises.

Medical insurance: unit 7%, individual 2%.

Unemployment insurance: 0.2% for the unit and 0. 1% for the individual.

Work-related injury insurance: 0.4% for the unit, and no payment for the individual.

Maternity insurance: the unit is 0.85%, and the individual does not pay.

Adjustment of unemployment insurance rate: From July 1 day, the unemployment insurance rate of each insured unit will be adjusted every year, which will be collected by the local tax department according to the approved rate. The floating rate is determined according to the unemployment insurance application rate of the employer in the first five years, and it is divided into three grades: 0.9%, 1.2% and 1.5%. From July 65,438+0, the unit rate of new insurance will be levied at 65,438+0.2%.

Adjustment of work-related injury insurance rate: From July 1 day, our city will make annual floating adjustment of work-related injury insurance rate of insured units, which will be collected by the local tax department according to the approved rate. The floating rate is graded according to the proportion of the industrial injury insurance fees actually paid by the employer in the last social security year (referred to as the income and expenditure rate), and is increased or decreased on the basis of the original industry benchmark rates (1.0%, 1.5%). The original benchmark rate of the employer is 0.5%, and there is no floating rate.

As can be seen from the above, Guangzhou's five insurances and one gold include social security and provident fund. The above is the introduction of the payment base and proportion of five insurances and one gold in Guangzhou. If in doubt, please consult Guangzhou Social Security Bureau and Guangzhou Housing Provident Fund Management Center.

Looking for a job, in addition to asking about salary, you usually have to ask how to pay five insurances and one gold. Because you can't live without it. But five insurances and one gold actually have some secrets that you don't know. For example, pension insurance is overpaid; Medical insurance not all diseases can be insured.

The following are the secrets of "five insurances and one gold":

Shenma is five insurances and one gold: five insurances and one gold for social security, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

Revealing the five insurance and one gold scam: Did you pay your money for nothing?

Proportion of regular payment of five insurances and one gold

Next, let's read the secret of five insurances and one gold in detail.

1, Guangzhou Pension Insurance: Your consumption level may drop significantly after retirement.

At present, the core of China's old-age insurance system is the basic old-age insurance for urban workers. That is, people who work can deduct a sum of money from their salary every month and get a pension from the social security system when they reach the legal retirement age (60 men and 50 women).

If you graduate from university at the age of 22 and work in Beijing with the highest China Pension Development Index, the average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2065,438+065,438+0 was 4,672 yuan), and the salary base paid by the company is 8,000 yuan. According to the fixed growth rate of 5%, when you retire (60 years old), your monthly salary is 48,600 yuan. According to current standards, the pension you receive after retirement is 8624 yuan. This is only equivalent to 18% of the salary before retirement, and is lower than the national average basic consumption expenditure.

2. Guangzhou Medical Insurance: Not all diseases can be insured.

Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction and mental illness are not covered by medical insurance.

In addition, if there are unfortunate traffic accidents or injuries by gangsters, these are not covered by medical insurance. Only when the public security organ proves that the injurer cannot be found can it be temporarily written off by medical insurance.

There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.

3. To receive unemployment benefits in Guangzhou, you must first meet the following two conditions:

1) The employer and I have fulfilled the obligation to pay unemployment insurance for 1 year according to the regulations.

2) Resign voluntarily

Then there are a lot of formalities to be done: within 60 days from the date of leaving your job, you should register unemployment with the labor security department of the street or town where your household registration is located and apply for unemployment insurance money with your vocational guidance and training card, household registration book, ID card, proof of labor (employment) termination contract or work relationship, and photos.

Pay attention to the location of your hukou, that is, if your hukou is in Gansu and people work in Shanghai, you have to go back to your hometown all the way. According to current standards, the unemployment insurance premium in most cities ranges from several hundred yuan a month, and basically does not exceed 1 10,000 yuan. The more backward the economy is, the less you can get. There is not much money, and the time to get it is not long: before unemployment, pay 1 to five years, and get 12 months at most; 5 years to 10 years, at most 18 months; If the accumulated payment time exceeds 10 year, the longest payment period is 24 months.

4. Guangzhou industrial injury insurance: 48-hour life and death line.

On June 19, an article entitled "Is the death of underage migrant workers late 1 hour not a work-related injury death? The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.

They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.

In fact, disputes and lawsuits about work-related injuries have been going on. It's not just a 48-hour line. It's not that easy to identify work-related injuries.

5. Guangzhou maternity insurance: there must be a unit.

Childbirth is a very private matter, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.

Maternity insurance must be paid for at least one year to enjoy it. After giving birth, we will continue to pay the fees. If you don't pay, you won't enjoy the benefits of family planning later.

6. Guangzhou Housing Provident Fund: It is not cost-effective not to use it for a long time.

As many people know, the more housing provident fund units pay each month, the better, which can be used to buy houses and decorate in the future. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account.

Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In the case of increasing inflation, it is obviously not as good as self-investment, or even as good as one-year time deposit in banks.

Now, have you understood all these little secrets about five insurances and one gold?