Calculation of five insurances and one gold in Tianjin

The algorithm of five insurances and one gold is as follows: endowment insurance: the unit pays 2 1% for you every month, and pays 8% by itself; Medical insurance: the unit pays 9% for you every month, and 2% by itself plus 10 yuan serious illness co-ordination (serious illness co-ordination mainly covers hospitalization); Unemployment insurance: the company pays 2% for you every month and pays1%by itself; Work-related injury insurance: the unit pays you 0.5% every month, and you don't have to pay it yourself; Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay it yourself; Housing accumulation fund: the unit pays 8% to you every month and 8% to yourself. The individual social security contribution rate is: 8%+2%+0.4% =10.4%; The individual's "provident fund" contribution rate is: 5%- 12% (optional); The social security contribution rate of the company is: 19%+6.5. +02% (according to the company's regulations) For example, suppose someone's monthly salary is 5 1 10 yuan, which is calculated according to the highest contribution ratio. The monthly payment of five insurances and one gold is as follows: 1. Personal payment: someone must pay social security and provident fund every month. Personal social security = salary and monthly salary× personal social security contribution rate 5 1 10 yuan×10.4% = 531.44 yuan provident fund = salary and monthly salary× personal provident fund contribution rate 5 10 yuan×12% = One gold and individual tax total 53 1.44 yuan +6 13.2 yuan+13.96 yuan =1/58.6 yuan 2. Unit payment: the social security paid by the unit to someone every month, and the social security of the provident fund = salary and monthly salary × unit social security contribution rate 5 10 yuan ×27.7%= 14 15.47 yuan; the social security of the provident fund = salary and monthly salary × unit social security contribution rate 510 yuan × 5.47 yuan. A person has to pay five insurances and one gold every month: 14 15.47 yuan +6 13.2 yuan =2028.67 yuan: Social insurance is a kind of insurance with better quality than commercial insurance for the following reasons: (1) Social insurance is a national welfare guarantee undertaking that is not for profit, but Commercial insurance generally only covers medical care or old-age care, while social insurance can generally cover five risks at the same time. Moreover, in terms of medical care, the advantages of social insurance are very prominent. (3) The standard of social insurance is constantly improving every year. At the beginning of July every year, the state will adjust the social security base according to the basic salary of employees, and the adjustment ratio is still very high. Generally, it will increase by more than 65,438+00% every year, which means that the more money you get in the future, the higher it will be. Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. The scope of five insurances and one gold insurance is as follows: (1) Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium; (2) Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. (3) Measures for endowment insurance for civil servants and staff members managed by reference to the Civil Service Law shall be formulated by the State Council.

Legal objectivity:

"Regulations on the Administration of Housing Provident Fund" Article 16 The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit. "Regulations on the Management of Housing Provident Fund" Article 17 Newly-employed employees shall start to pay housing provident fund from the second month of employment, and the monthly payment amount shall be the employee's own salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio. "Regulations on the management of housing provident fund" Article 18 The deposit ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.