2019 Social Security Registration and Enrollment Training

Here's what you need to know

About five insurance and one gold

"Five insurance and one gold" refers to five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance;

"One gold The "one gold" refers to the housing provident fund.

While pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and the individual **** the same premiums, work injury insurance and maternity insurance is entirely borne by the enterprise. Individuals do not need to pay. It is important to note that the "five insurance" is legal, while the "one gold" is not legal.

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The contribution ratio of "five insurance and one gold"

Currently, the contribution ratio of Beijing's old-age insurance is 20% for the unit (of which 17% is allocated to the overall fund and 3% to the personal account) and 8% for the individual (all of which is allocated to the personal account); and the contribution ratio of medical insurance is 10% for the unit and 2% for the individual + 3% for the personal account.

Unemployment insurance contribution rate: 1.5% for the unit, 0.5% for the individual; industrial injury insurance is based on the unit's industry scope to determine its industrial injury rate; maternity insurance contribution rate: 0.8% for the unit, the individual does not pay.

Provident fund contribution ratio: according to the actual situation of the enterprise, choose the housing provident fund contribution ratio. However, in principle, the maximum contribution shall not exceed 10% of 300% of the average salary of the employees in Beijing.

(Co-ordinated fund that is: national co-ordination is needed in the process of the gradual transformation of the pension insurance system from a state-unit system to a state-society system, in order to solve the problems of unbalanced economic development and the aging of the population.

(1) the establishment of a social co-ordination fund based on contributions from enterprises; (2) the establishment of individual accounts based on contributions from employees and enterprises; (3) the government bears the administrative costs of the pension insurance fund. This semi-fund system combining social co-ordination and individual accounts is conducive to coping with the crisis of China's aging population, gradually spreading out the cost of transition from the old to the new system, and gradually realizing the transformation from an enterprise-based pension insurance system to an individual-based pension insurance system).

The amount of contribution for the four insurance policies is different in each region, and the base is based on the gross salary. Some enterprises have a basic salary and some related subsidies at the time of payment, but some enterprises pay only the basic salary, which is against the law. The specific ratio to the local labor department to consult.

About the pension insurance, unemployment insurance and medical insurance draw, is in the case of legal permission to receive, by the establishment of the insurance registration department to issue, for example, "pension insurance, to reach the age of legal can, unemployment insurance benefits to receive is also to have the conditions, for example, you go to the household location of the street office for the certificate of unemployment, and at the same time did the The job seeker's license means that you must have the will to look for a job after you become unemployed, and only under such conditions can you receive it.

If you don't want to work after you lose your job, then you can't be paid insurance benefits. Also, you can't get both pension and unemployment benefits at the same time.

Is insurance available during the trial period?

You should be insured during the probationary period because the probationary period is a part of the contract period, it is not isolated from the contract period. So you should be insured during the probationary period as well. In addition, the enterprise to the employee insurance is a legal obligation, does not depend on the parties concerned or voluntary or not, even if the employee said do not need to pay insurance, and commercial insurance can not replace the social insurance.

Enjoyment of pension insurance

Accumulated payment of pension insurance for more than 15 years, and reached the legal retirement age, you can enjoy the pension insurance treatment:

1. Receive the basic pension according to the regulations on a monthly basis, until death.

The formula for calculating the basic pension is as follows:

Basic pension = basic pension + individual account pension + transitional pension = average monthly salary of the city's employees in the year before retirement × 20% (15% for those who have contributed for less than 15 years) + principal and interest on the individual account and ÷ 120 + indexed average monthly salary for contributions × years of contributions before the end of 1997 × 1.4%.

2, death treatment. (1) funeral expenses (2) one-time pension (3) living hardship allowance for immediate family members eligible for support, paid monthly until the death of the immediate family member to be supported.

Note: Pension insurance should be paid continuously as far as possible. According to the relevant documents, where an enterprise or an insured person pays basic pension insurance premiums intermittently (except for unemployed persons during the period when they receive unemployment insurance premiums or those who do not pay the premiums in accordance with the relevant regulations), and the insured person complies with the old-age pension conditions stipulated by the state, when calculating the basic pension, the base of its calculation of the basic pension shall be calculated according to the cumulative intermittent contribution time (The cumulative interrupted contribution time is calculated as one interrupted contribution year for every full 12 months, and is not calculated for less than 12 months)

For example:

If you retire in 2020, your basic pension will be the 2019 average social wage × 20%, but if you have interrupted your pension insurance for 30 months before retirement, the base pension will be calculated according to the average social wage × 20% of 2019. Before the pension insurance interruption of 30 months, is interrupted for 2.5 years, according to 2 years, your basic pension is the average social salary in 2017 × 20%

Medical insurance enjoyment

1, outpatient and emergency medical expenses

In the year of the active employee (January 1 - December 31) in line with the scope of the basic medical insurance medical expenses Accumulated more than 2,000 yuan or more;

2. Settlement ratio:

50% reimbursement for the part of 2,000 yuan or more for the dispatched staff during the contract period, and 50% out-of-pocket payment from the individual;

The maximum amount of outpatient and emergency reimbursement paid to the dispatched staff accumulated in a single year is 20,000 yuan.

3, participants should keep the outpatient medical bills (including receipts and prescription bottoms for the parts below the large amount) of the outpatient treatment in the designated hospitals as the vouchers for reimbursement of medical expenses;

4, the outpatient treatment of three kinds of special illnesses: participants suffering from malignant tumors radiation therapy and chemotherapy, renal dialysis, kidney transplantation and taking antirejection medicines need to be treated in the outpatient clinics, the participants will have to be treated in the second and third level designated hospitals. The second and third level designated hospitals will issue "disease diagnosis certificates" and fill in the "Beijing Medical Insurance Special Disease Declaration and Approval Form", and report it to the district medical insurance center for approval and filing. The outpatient medical treatment and medicine collection for these three special diseases are limited to the approved designated hospitals, and cannot be purchased at designated retail pharmacies. If the medical expenses incurred meet the scope of outpatient special diseases, they will be settled with reference to hospitalization;

5. Inpatient medical care

●Inpatient deposit: When a participant who meets the conditions for hospitalization is hospitalized, the hospital will charge the participant a part of deposit, the amount of which will be determined by the hospital on a pro rata basis according to the condition. If the unit of the dispatched person and the insured person fail to pay the medical insurance premiums in full and on time, the hospitalization deposit will be fully advanced by the dispatched person personally;

●Settlement cycle: every 90 days of inpatient treatment for the insured person is a settlement cycle: if it is not more than 90 days, each hospitalization is a settlement cycle;

●Outpatient radiation therapy and chemotherapy for patients with malignant tumors, renal dialysis, renal transplantation Medical expenses incurred by patients with malignant tumors under outpatient radiotherapy and chemotherapy, renal dialysis, anti-rejection drugs after kidney transplantation, and patients with mental illnesses requiring year-round hospitalization are subject to one settlement cycle every 360 days;

● Medical expenses incurred by insured persons under treatment in the family hospital beds of designated community health service centers (stations) are subject to one settlement cycle every 90 days;

● At the time of discharge from hospitals or when the phase of treatment is completed, it is necessary for the dispatched persons to settle the medical expenses incurred by the dispatched persons at the hospitals at their expense first. The hospital shall declare to the medical insurance center for examination and settlement of the medical expenses that should be paid by the basic medical insurance co-ordination fund and the large amount of medical mutual aid funds;

●The settlement of medical expenses for hospitalization treatment of the insured personnel, which are in line with the scope of the basic medical insurance regulations, shall be set up as the starting line and the maximum amount of the basic medical co-ordination fund payment;

● The starting line is RMB 1,300 for the first hospitalization and RMB 650 for subsequent hospitalizations, and the maximum payment limit is RMB 50,000; the mutual aid

fund pays 70% of the large medical expenses exceeding the maximum payment limit (excluding the portion below the starting line and that borne by the dispatched personnel), and the dispatched personnel bears 30% of the burden individually. The maximum payment is 100,000 yuan in one year. The settlement standard for hospitalization expenses is calculated in sections and paid cumulatively according to the level of the hospital and the amount of expenses in a settlement cycle.

(When there are adjustments to the rates, the new standards will be applied)

Note: The medical insurance is exempt from liability for traffic accidents not caused by work.

Unemployment insurance to enjoy the treatment

Unemployment insurance continuously paid for more than one year, after the file returned to the street. You can enjoy the unemployment insurance treatment in the street.

1. Unemployment insurance benefits: refers to the basic living expenses paid by the unemployment insurance agency to the eligible unemployed in accordance with the provisions of the unemployment insurance, which is the most important unemployment insurance treatment. Unemployment insurance treatment is implemented according to the relevant documents of Beijing Municipality;

2. Medical benefits during the period of receiving unemployment insurance benefits: it refers to the benefits paid to the unemployed for the medical expenses incurred during the period of receiving unemployment insurance benefits. It is implemented in accordance with the relevant policies and regulations of Beijing;

3. Funeral benefits for unemployed persons who die while receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members are implemented in accordance with the relevant regulations.

Workers' compensation insurance

In the unfortunate event of an accident during the contract period, it is necessary to obtain a statement of the situation from the enterprise and stamp it with the enterprise's official seal, and apply for recognition of the work injury as soon as possible (preferably within three working days) and provide the following materials:

1. diagnosis of the initial treatment or hospitalization medical records;

2. certificate of diagnosis of occupational disease (original and a copy of each)

3, traffic accidents need to provide the traffic brigade's accident verdict or the traffic department's traffic accident certificate;

4, a copy of ID card;

5, the original labor contract within the period of validity

Maternity insurance to enjoy the treatment

Can be reimbursed for maternity-related expenses

Reimbursement scope includes, maternity allowance, maternity medical expenses, medical expenses for family planning surgery, and other maternity-related expenses stipulated by the state and the city.

The maternity allowance is calculated by dividing the employee's contribution base for the month in which she gives birth by 30 and multiplying it by the number of days of maternity leave. The maternity allowance is the wage of the female worker during her maternity leave, and if the maternity allowance is lower than her own wage, the difference shall be made up by the enterprise.

Maternity medical expenses include medical examination fees, delivery fees, operation fees, hospitalization fees and medicine fees incurred by female workers due to pregnancy and childbirth.

Family-planning surgery medical expenses include medical expenses incurred by workers for family planning.

Now it is required to pay 20 years for health insurance and 15 years for pension to be eligible for pension and post-retirement reimbursement

Special Tips

First of all, if you go to work in a place other than your hukou location, for example, if your original hukou is in Beijing and you go to work in Shenzhen, no matter whether or not your hukou has been transferred to Shenzhen, in case you don't work there in future, can the five insurance premiums you paid in Shenzhen be transferred to another hukou location? The first thing you need to know is whether or not you're going to be able to get the money you need to pay for the insurance you need to pay.

Because now there is no national network for this thing, only the network in Beijing, that is, if you were working in

Beijing a unit, a few years later jumped to another Beijing unit to work, so that the five insurance and one gold is not a problem

. But if you jump from another province or city, it will be very troublesome to transfer, and it is still a problem whether you can transfer or not.

Three of the five insurance policies mentioned earlier are paid for by enterprises and individuals***. This means: for example, for the pension insurance

insurance, for example, your salary is 2000, then you personally have to pay 8%, the unit to pay 15% (the above data are

assumptions), these money are deposited in your account, until you meet the time you can enjoy the pension insurance can only be drawn

withdrawal (the specific conditions of the previous), and then consider the What is written in the above paragraph, in case if you can't transfer it, then your

money will be paid for nothing and you can't withdraw it.

All enterprises and individuals **** the same part of the contribution is like this, housing fund is also like this, for example, according to the salary multiplied

by the ratio, if you have to pay 500 per month, the unit to pay you 1,000, if you jumped ship, the money can not be transferred,

then you 500 per month for nothing, and can not be taken out! -Because you are not eligible for the Housing Provident Fund, you can only take it out when you buy a house

.

Some people may ask: If I don't plan to spend my whole life in the city where I started working, can I not contribute to the fund in case I can't

transfer it out? The answer is no. At least that part of the three insurance is mandatory by the state

, so it's rather hopeless.

Additionally, the question of which part of your salary is multiplied by the percentage of the base of the contribution to the five insurance and one gold is taken. Is this

of the first look at the composition of wages: basic salary + benefits + bonuses. Many companies are only in accordance with the basic

salary on the five insurance and gold, because if you follow the three parts to calculate, your personal on some more but the unit to you on the

More (enterprises and individuals **** with the payment of the five insurance and gold are individuals to pay a small head, the unit to pay a large head), so many companies to

to save money for their own, the base is less than the less. In addition to the welfare part, there is a big cat, this everyone in the future in the signing of

contract time must ask!

As I said earlier, the housing fund is also a business and personal **** with the payment, but the part of the enterprise to pay you sooner or later is

your (as long as you buy a house in the future, it is possible to take out a lump sum). For example, if you pay

500 per month according to the proportion, the unit may give you a sticker 1000, although before you buy a house this 1500 is not taken out, but theoretically that 1000 is also for you, then some enterprises will count that 1000 as a benefit for you. Actually it shouldn't count ！！！！ Because that 1000 is false, is you in not buy a house will not be able to take out, so people in the signing of the time to ask whether this welfare inside the housing fund is included, careful ah careful!

Company benefits in the "four gold" algorithm (Shanghai situation reference)

"Four gold" contributions to the definition of the base

Generally four gold base is the month's salary, but if the salary is very high (for example, more than the previous year), the base of the four gold is the month's salary.

But if the salary is very high (for example, more than three times the average monthly salary in your city)

then the base will be at the top. But if it's particularly low (say, less than 60 percent of your city's average monthly wage), the base is capped.

Shanghai's 2004 situation, for example, was that the average monthly social wage in 2003 was 1,847 yuan. If your monthly salary

exceeds 1847*3=5541 yuan. If your monthly salary is less than 1847*60%=1108.

2 yuan, then the four gold base is 1108.2 yuan. If your salary is between $1108.2 and $5541, then the base is your

salary.

Ratio of contributions to the four pensions

Ratio of contributions to the four pensions: Individual's portion of the contribution, company's portion

Pension insurance: base*8%+base*22% (seems to have been changed recently)

Medicinal insurance: base*2%+base*12%

Unemployment insurance: base*2%+base*12%

Unemployment insurance: base*2%+base*12%

There are two types of insurance: unemployment insurance and unemployment insurance. /p>

Unemployment insurance premium: base*1%+base*2%

Housing provident fund: base*7%+base*7%

Which the individual out of the left part of the i.e., 8% + 2% +1% + 7% = 18%, the company out of the right part of the i.e., 22% +1

2% + 2% + 7% = 43%, that is to say, after deducting the four gold Wages are: X=Worker's salary - base * 18%; and the company pays

The total money paid out is Y=Worker's salary + base * 43%

Everyone should pay attention to this!

One, the contribution rate of the four gold, not necessarily equal to your salary, that is to say, if the pre-tax salary of 4,000, the contribution base is not necessarily 4,000, there may be less than this number.

Two, the company's expenses, in addition to the upstairs, there are maternity insurance and workers' compensation insurance. The former 05%, the latter from 0.

5-3% varies

The above is the case for Shanghai, other cities are certainly not the same (in addition to pre-tax deductions of 1600)

Non-Shanghai employment how to pay the "four gold"

The four golds are the same as those of the other cities, but they are not the same. The "four pensions" is short for social insurance and housing fund, of which Shanghai's social insurance includes pension insurance,

medical insurance, unemployment insurance, maternity insurance and industrial injury insurance. At present, whether a person employed in Shanghai can pay and enjoy social insurance premiums and housing fund in Shanghai

Labor and Social Security Bureau mainly depends on its domicile situation, generally there are

the following cases:

One of the cases that should be in accordance with the city's domicile to pay the social insurance are:

(1) obtaining the domicile of the Shanghai Municipal People's Government (including the graduated employment directly applying for the Shanghai Municipal People's Government).

(1) those who have acquired Shanghai household registration (including those who applied for Shanghai household registration directly upon graduation and employment, or those who went through the procedure of talent introduction by the employer after employment);

(2) those who have obtained Shanghai residence permits (including those who applied for Shanghai household registration directly upon graduation and employment, or those who went through the procedure of talent introduction by the employer after employment). In these two cases, college students can participate in Shanghai's social insurance

insurance after employment, and can ask the employer to pay Shanghai's urban social insurance ("urban insurance") or small

urban social insurance ("town insurance") in accordance with the relevant provisions. The above two cases are identical in terms of the payment of social insurance premiums; there is a difference in terms of the payment of the

Shanghai Housing Provident Fund, i.e., the employer is obliged to pay the

Shanghai Housing Provident Fund for those who have obtained the Shanghai household registration; while the employer has no obligation to pay the

Shanghai Housing Provident Fund for those who have obtained the Shanghai Residence Permit. Provident Fund.

Secondly, what if you don't have a Shanghai household registration or a Shanghai residence permit? These people can pay the Shanghai Comprehensive Insurance for Foreign Workers when they are employed, and of course, the employer should fulfill the procedures for hiring foreign workers in accordance with the relevant regulations.

The Shanghai Comprehensive Insurance for Foreign Workers includes a comprehensive insurance policy for foreign workers. The Shanghai Comprehensive Insurance for Migrant Workers includes three benefits: work-related injuries, hospitalization medical care and old age allowance.

In summary, non-Shanghai-born college graduates should inform the employer of their household registration when discussing the issue of "four golds" with the employer and negotiate the employer's obligation to apply for a household registration or residence permit, and sign the results of the negotiation into the employment agreement or a separate agreement. You can also sign the results of the negotiation into an employment agreement or sign a separate agreement so as not to affect the payment and enjoyment of social insurance and housing fund

in the future.

How to protect the rights during the probationary period

Laborers' rights

1, the period of up to six months according to the People's Republic of China *** and the State Labor Law, Article 21: "The labor contract

Can be agreed on a probationary period. The maximum length of the trial period shall not exceed six months."

The probationary period is a period of investigation not exceeding six months agreed upon by the employer and the worker for the purpose of mutual understanding and selection.

Specific calculations are as follows:

2, only one trial, the next is not an example of trial period can only be once, generally applies to the employee's first employment or re-employment

The time when the renewed labor contract shall not be agreed upon a trial period. This is because the trial period is a kind of investigation period, is in the employee and the employer

Unit is relatively unfamiliar with the situation in order to protect the interests of both parties and set. If the employee and the employer are already familiar with each other

, of course, there is no need to agree on a separate probationary period. If agreed, this agreement is also illegal, can not produce legal effect

. Even if the employer has changed the employee's job, may not agree to another probationary period.

3, the trial period contract = labor contract law clearly prohibits the existence of "trial period contract".

If the employer and the employee did not sign a labor contract, only in the letter of appointment, notice of employment or other written documents

Agreed to a trial period, as an agreement on the labor contract, the duration of the trial period as the duration of the labor contract. Similarly

, if only the salary during the probationary period is agreed upon, the salary is regarded as the labor remuneration in the labor contract, and if the employer also agrees

on the salary after the regularization, the salary after the regularization is regarded as the labor remuneration, and the agreement on the salary during the probationary period is invalid. The employee has the right to demand that the employer pay him a salary equal to the regularized salary during the probationary period. However, if the employer only verbally promises to raise the salary after the employee's regularization

without making a specific agreement in any document with specific figures, the probationary salary is

considered as labor remuneration.

1, the obligation to inform the employer shall inform the worker of his

powers and obligations to be fulfilled when the worker enters the employer and starts working. Such as the employer should inform the workers about the rules and regulations, labor discipline, labor prevention

protection conditions, employee benefits and a series of content. In particular, employees should be informed in detail of their conditions of employment, job requirements and so on. If the employer fails to inform the employee, the employer will be held liable for the employee's negligence.

2, the obligation to train employees to carry out job training is also an important responsibility of the employer. If the employer fails to carry out vocational

industrial training leads to the employees can not work, or workplace accidents, the employer needs to bear the corresponding responsibility.

3, the obligation to prove that "trial period" is a process of trying to contact each other, but if the employer wants to try

use period, and the employee "bye-bye" must have a good reason.

In the trial period, the employer must have evidence to prove that the worker does not meet the conditions of employment, can unilaterally terminate the labor

contract. In other words, the employer bears the full burden of proof.

Once a dispute arises between the two parties on the termination of the labor relationship during the probationary period, the employer must bear the full burden of proof

. Therefore, the employer should pay attention to the standardization of its own behavior throughout the probationary period and keep the necessary book

face materials and documents to justify the reasonableness.

Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"