What is the minimum base for Beijing to pay its own social security?

At present, people have different views on social security. Some people think that social security has brought great protection to ordinary employees, so they don't have to worry about getting old and seeing a doctor. But in recent years, more and more people think that the monthly social security payment has become a great burden, and the fees paid account for a large part of the salary. More importantly, the money paid may not be fully recovered in the future.

Let's not discuss whether the social security value is worth paying, because for employees, they have to pay if they don't want to. Then, for those who have no job, or those who leave their jobs in the work window, should they pay social security by themselves? First of all, we have to calculate how much social security we have to pay.

There are many kinds of out-of-pocket social security, and 360 Bian Xiao chose two of the most common ones.

The first is the social security for urban workers paid in the social security center where the household registration is located.

The condition is that urban residents, with registered permanent residence and no job, choose to pay their own social security for old-age care and medical care. Social security for urban residents is not easy to handle. Generally, most people will pay social security, pension insurance, medical insurance and unemployment insurance for urban workers through local social security centers. Although unemployment insurance is useless, they still have to pay it.

The payment base refers to the local average wage of employees in the previous year, in which the minimum payment base of endowment insurance is 40% of the local average wage in the previous year, and the payment ratio is 20%. The minimum payment base of medical insurance is 60% of the local average salary in the previous year, and the payment ratio is 5%.

Take the old-age insurance in Beijing as an example. In 20 16, the average monthly salary of Beijing employees was 7706 yuan, and the minimum payment was 7706*40%*20%=6 16.48 yuan. Other areas can be brought into the local average wage calculation.

In Beijing, the social security paid by oneself is divided into three grades: low grade, medium grade and high grade. Pay 1 0,030.96 yuan per month for low grade, 1 0,357.87 yuan per month for middle grade and 20 1.25 yuan per month for high grade.

I'll tell you why it's best to hand it in at the lowest level.

As I said at the beginning, the proportion of ordinary employees paying social security is much higher than that of individuals. For example, pension insurance companies in Beijing pay 19% and individuals pay 8%, and medical insurance companies pay 10% and individuals pay 2%. The part paid by the unit is included in the overall social security account, and the part paid by the individual is included in the personal account.

If the money in the individual pension insurance account is not collected before death, it can be inherited. The money in the personal medical insurance account can be directly returned to your own medical insurance passbook, which can be withdrawn at any time, or returned to your own medical insurance card, and you can swipe your card when you see a doctor; However, the money in the overall account, that is, the money in the social security pool, is everyone's * * * property. It's hard to say how much it can spread on your own head, and it's not overpaid.

If you pay social security yourself, although all the money is paid by yourself, only 40% is included in your personal account, and the other 60% is included in your overall account. Is it a loss? So it is best to pay social security according to the lowest level.

Second, worry about social security and find an institution to pay social security.

This generally refers to foreigners working in big cities. When leaving or jumping ship, I worry that social security will affect buying a house and a car, so I go to some institutions to pay social security. Many people also find friends who run companies around them to pay for it. Five insurances and one gold can be paid selectively. In addition to pension, medical care and unemployment insurance, the other two insurances and one gold can be paid or not. Because short-term payment of work-related injury insurance, maternity insurance and provident fund has little impact, everyone generally only pays three insurances.

In this case, the social security paid is basically the same as that paid by ordinary employees, but the difference is that the part paid by the unit must also be paid by individuals, so the cost is very high.

On-the-job employees, pension insurance units pay 19% and individuals pay 8%, medical insurance units pay 10% and unemployment insurance units pay 0.8% and individuals pay 0.2%. If you pay by yourself, this 27%+ 12%+ 1%=28%. In addition, the proportion that can be included in personal accounts is even less. For example, the proportion of self-payment for old-age insurance is 27%, but only 8% is included in personal accounts, accounting for only 29.6%, which is not as good as the previous situation of self-payment for social security.

However, the social security paid in this case is of a short-term transitional nature. No one will pay this social security even if he doesn't work all the year round, otherwise he will lose money.

Generally, everyone pays social security according to the minimum base. The following 360 small series will give you a calculation of how much you have to pay each month in Beijing.

Last year, the average wage in Beijing was 7,706 yuan, and the minimum payment base of old-age insurance was 40% of the average wage, while the minimum payment base of medical insurance and unemployment insurance was 60% of the average wage. The contribution rates of old-age insurance, medical insurance and unemployment insurance were 27%, 12% and 1% respectively, and the calculated amount was 7,706 * 40% * 27.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.