Why let me do the bank card

Pay five insurance let do bank card reasons, as follows:

1, because the social security card from the information collection to the final card, it is impossible to get the card in a short period of time, the regular process up to 50 working days. This tip, should be your local social security department and the bank cooperation, to speed up the process;

2, there is a possibility that: that card should be used by the social security company to verify your identity, but also may be the monthly deduction of social security costs of the bank card, or directly payroll card, or when you withdraw from the insurance as a refund account, usually should not be much use, you can be used to save money with.

"Five insurance" contribution ratio:

Pension insurance contribution ratio: 20% of the unit (of which 17% into the integrated fund, 3% into the personal account), 8% of the individual (all into the personal account);

Medicare insurance contribution ratio: 10% of the unit, individual 2% + 3 yuan;

Unemployment insurance contribution rate: 1.5% for the unit, 0.5% for the individual;

Workers' compensation insurance determines its rate according to the scope of the industry into which the unit is classified;

Maternity insurance contribution rate: 0.8% for the unit, and the individual doesn't pay. The non-working hukou does not have this, so the non-working hukou only has a maximum of "four insurance and one gold".

The role of the five insurance and gold:

1, the more individuals pay, the unit for you to put more. Five insurance and gold contributions are the same base unit and individuals bear different proportions, the unit contribution is about two times the individual contribution.

2, the social security fund contributions are tax-free, not only to pay no personal income tax, treatment to receive no personal income tax, and the special account is not deducted interest tax; and if the salary as a payroll to me, is required to withhold personal income tax, deposited in the bank, there will be interest tax.

3. After paying pension insurance for a minimum number of years and reaching the legal retirement age, you can retire and receive a monthly pension. Pension can be received until death, and with the improvement of the standard of living of society and "only increase", will be adjusted every year to increase the capital, can make the old age to get stable and reliable protection.

4, pay medical insurance can get medical insurance reimbursement; if the accumulated in-service contributions to meet the minimum number of years, after retirement can not continue to pay the basic medical fees and can enjoy higher than the level of reimbursement of in-service health insurance.

5. Paying for maternity insurance reimburses the cost of prenatal checkups, family planning surgery and childbirth surgery. Moreover, maternity insurance premiums are fully borne by the organization.

6, pay unemployment insurance can get unemployment insurance benefits and other subsidies in case of unemployment. Unemployment insurance is a policy-based insurance, which is usually not available in commercial insurance companies.

7, pay work injury insurance can be in the encounter of industrial accidents or occupational disease compensation, not afraid of 10,000, just be afraid of the eventuality, especially some of the major accidents, do not have to worry about small companies to delay payment of treatment. Moreover, the premiums for work injury insurance are fully borne by the organization.

8, the payment of housing fund is equivalent to the unit with you in the same proportion to deposit a tax-free income, can be withdrawn for housing-related purposes, if not used up in employment, retirement can also be a one-time take out; in addition, housing fund loan interest rates lower than commercial loans.

In summary, because the social security card from the information collection to the final card, it is impossible to get the card in a short period of time, the regular process can be up to 50 working days. This tip, should be your local social security department and the bank cooperation, engaged in speeding up the process.

Legal basis:

Article 2 of the Social Insurance Law of the People's Republic of China

The state establishes a social insurance system of basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to protect the right of citizens to obtain material assistance from the state and society in accordance with the law in the event of old age, sickness, industrial injury, unemployment and maternity, etc.

The state has established a social insurance system of basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and so on.