How to pay the five insurance calculator

Specific social security composition ratio is:

Pension insurance: unit every month for you to pay 21%, you pay 8%;

Medical insurance: unit every month for you to pay 9%, you pay 2% plus 10 yuan of the general medical co-ordination (general medical co-ordination of the hospitalization of this);

Unemployment insurance: unit every month for you to pay 2%, you pay 1%;

Worker's compensation insurance: unit every month for you to pay 0.5 percent, you don't pay a penny;

Workers' compensation insurance: unit every month for you to pay 0.5 percent, you don't pay a penny;

There are many other ways to pay for the insurance.

Workers' compensation insurance: the unit pays 0.5% per month for you, you do not pay a penny;

Maternity insurance: the unit pays 0.8% per month for you, you do not pay a penny;

Housing provident fund: the unit pays 8% per month for you, you pay 8%

"Five insurance and one gold" in-depth analysis, the work of the must see

I believe that has been the work of the big brothers and sisters to pay their own social insurance is very concerned about it ... ... I'm not sure if you're going to be able to get a good look at this, but I'm sure you're going to be able to get a good look at this.

First of all, we should realize that social insurance is a better insurance than commercial insurance...

The reason is as follows. The reasons are as follows:

(1) Social insurance is a non-profit welfare program for the entire population.... Commercial insurance is for profit... On the whole, commercial insurance charges are much higher than

social insurance of the same standard

(2) Social insurance covers more aspects than commercial insurance.... Commercial insurance generally only covers medical or pension .... Social insurance can cover up to five risks at the same time

... And in the case of medical care... The advantages of social insurance are very outstanding

(3) The standard of social insurance keeps increasing every year... Every year at the beginning of July, the state will adjust the social security base according to the basic salary of workers... And the percentage of adjustment is very high... Generally

Annually adjusted by more than 10%.... That is to say, the further you go, the more money you will get... The best thing about this is that it eliminates the effect of inflation to a lesser extent... And even if commercial insurance does

adjust returns...

In a word, if you're not on Social Security now, please get on Social Security, and if you're on commercial insurance but not on Social Security,

Please get on Social Security .....

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So, what exactly does social security consist of...?

Social insurance=pension insurance+medical insurance+unemployment insurance+work injury insurance+maternity insurance+housing provident fund

(Note: the practice of the above five insurance may be different in various regions, your unit may not be all five insurance for you to pay, for example, in Nanjing, some units do not pay for the workers

Medical insurance and only pay for the remaining four insurance, some units do not pay provident fund, but only pay the remaining four insurance, some units do not pay the remaining four insurance, some units do not pay the remaining four insurance. The unit does not pay provident fund and only pay five insurance, so you must be clear about your unit in the end to pay you which insurance

and whether to pay provident fund!)

Specific social security composition ratio is:

Pension insurance: unit each month for you to pay 21%, you pay 8%;

Medical insurance: unit each month for you to pay 9%, you pay 2% plus 10 yuan of the general medical co-ordination (general medical co-ordination of the hospitalization of this);

Unemployment insurance: unit each month for you to pay 2%,

Unemployment insurance: unit each month for you to pay 2%,

Unemployment insurance: unit each month for you to pay 1%,

Unemployment insurance: unit each month for you to pay 2%,

Unemployment insurance: unit each month for you to pay 2%, you pay 1%.

Unemployment insurance: the unit pays 2% per month for you, you pay 1%;

Worker's compensation insurance: the unit pays 0.5% per month for you, you don't pay a penny;

Maternity insurance: the unit pays 0.8% per month for you, you don't pay a penny;

Housing provident fund: the unit pays 8% per month for you, you pay 8%

The above... So the math works out... The proportion of social security that the unit pays for you every month should be 21%+9%+2%+0.5%+0.8%+8%=41.3%

The proportion of social security that you pay for yourself every month should be 8%+2%+10 bucks+1%+8%=19%+10 bucks

The 10 bucks that you pay is removed for the time being and not talked about... The ratio of what the organization pays and what you pay should be 413:190... This means that if you pay 190 dollars a month for your social security

insurance.... Then your employer will put 413 dollars into your account... Every month your social security account on the increase of money should be 413 + 190 = 603 dollars

So you can not see the case, the unit to pay the social security costs are actually two times more than you, so you pay monthly social security premiums when you do not heartache ah ~ you have to know that the unit than you to pay

Much more it.... The heartache is actually the unit...!

Yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah.

Just three insurance and one gold is from your personal insurance (pension + medical + unemployment + provident fund) to say.... The first one is from the insurance you pay (pension+medical+unemployment+work injury+maternity+provident fund)

Speaking of the...

In addition to the unit can pay for your social security, in fact, no work but have income students or have a unit but the unit does not pay social security students can also pay for their own social security, but individuals can only pay the pension insurance + medical insurance,

Workplace injuries ah maternity ah unemployed ah provident fund ah you can not pay up the personal...

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The above introduction of the composition of the social security and the composition of the proportion, the following should be introduced to what is the social insurance. So now there is another problem: their own monthly

Paid social security contributions and the ratio of what is the relationship between the social security premiums in the end how to determine it?

You may not have noticed, each province and city will be released in early July each year, a "minimum social insurance payment base", the base is based on the previous year's average salary + benefits

+ a variety of subsidies and other miscellaneous expenses after statistics and calculations to determine the Nanjing July this year! Announced the minimum base is 1189 yuan, which is what it means, meaning that Nanjing as long as it is

formal for the workers to pay social security units, each month for each employee to pay at least 1189 × 41.3% = 491 yuan, and the workers each month at least to pay 1189 × 19% + 10 = 236 yuan, so that you

and the unit should be paid monthly The social security fee is out

But now there is a new problem.... There is a huge difference in wages in Nanjing... Some get 1000 a month.. Some get 10,000 a month... Do you want those who get 1000 and those who get 10000 to pay the same amount of social security contributions?

Please note... The 1,189 is the minimum base... There is a maximum base above 1189... The highest base in Nanjing this year is over 8000... I don't remember exactly... Anyway, if your

wage per month in 1189 yuan below.... The unit must also according to 1189 yuan for you to pay 1189 x 41.3% = 491 yuan, and you have to pay at least 1189 x 19% + 10 = 236 yuan per month, this is

is the 1189 as the minimum social security contribution base of the significance of it: even if you get 1000 or 800 yuan a month, you have to pay according to the minimum of the 1189 every month!

But if your salary is higher than 1189, for example, you get 3,000 a month, then the unit to the labor bureau to pay your insurance (your unit and you pay the social security fees are

is the labor bureau deducted Oh ~) should be to the labor bureau to say: "ah ah, a comrade on our side to get 3,000 a month, according to 3,000 yuan of the standard deduction of social security premiums".... Then the labor bureau will be

3000 yuan for the payment of the base to deduct your unit and your money and then hit your social security account, your unit at this time every month should be for you to pay 3000 × 41.3% = 1,239 yuan, and you

individuals every month to pay 3,000 × 19% + 10 = 580 yuan

That is, if your wages in the The first thing you need to do is to make sure that you're paying the right amount of money for the right job, and that you're paying the right amount of money for the right job. ------------------- rest rest rest ----------------------------------

The shameless practice of some companies has to be exposed here.... These companies may pay you thousands of dollars a month... But they don't

report your actual salary when they go to the labor bureau to declare your base.... For example, if you get 3000 dollars a month... They may go to the labor office and say you only get 1,189 dollars... Then the labor office only deducts you 1189 x 19% + 10 = $236 per month...

I'm afraid you're still happy... Because you think you're being deducted less... You actually get more money in your hand?

Wrong! If so your company is shameless! Because the company pays more than 2 times as much as you do... So the less you pay the less they pay! If your

actual salary is 3000.... They should pay you 3000 x 41.3% = 1239 dollars a month.... If you make 1189, they will only pay you 1189 x 41.3% = 491 dollars per month!

So you're actually at a huge disadvantage! The regular company will only go to the labor bureau to declare your actual salary and then deduct the money! Only those underhanded companies will pay you the minimum

standard no matter how high your salary is! Don't ever think that the less your social security contributions are deducted each month, the better!!!! You may have been shamelessly bullied by the company and you are still completely unaware of it!!!!

To determine exactly how much you pay into the base, it's simple: if you pay 300 bucks a month in social security contributions. Then your base is almost 300 ÷ 19% ≈ 1578 yuan, you see

Look at your salary is not this number.... If your salary is significantly higher than 1578... For example, you actually get 3000 or 4000 per month. Then you have been bullied by the company...

After being bullied, you can go to the local labor inspection brigade to sue your company.... Generally, a lawsuit is accurate... But it's best to leave your job with the evidence (such as pay stubs, etc.) before suing,

You can't stay in the company after suing

To make it clear once again... The percentage of social security is different from place to place.... If you're not in NJ then you're probably not paying 19%.... But it's certainly not that much different...

For example, your base may be 20% or 22%... But definitely not 30% or 40%! So while 19% is the NJ rate... But foreign students can also rely on this roughly calculate their own base

En, now you know how much you should pay each month social security contributions, but these social security contributions are what exactly the situation and how to use it? Here we will introduce

It has been said before, social insurance = pension insurance + medical insurance + industrial injury insurance + maternity insurance + unemployment insurance + housing fund

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(1) Pension Insurance

This insurance generally have to be paid for 15 years to the time of retirement in order to enjoy the pension for life.... So if you want to get a pension, please make sure you start paying 15 years before you retire

.

If you have paid for your pension insurance for less than 15 years by the time you retire, the state will return all of the 8 percent of the pension that you have saved in your personal account to you.

Where did the 21 percent that you paid for your pension insurance go, you may ask?

This you don't expect the state to give you...

This you don't expect the state to give you... After you retire and take your personal money... The state will take the 21% of the money that the unit paid for you and transfer it to the state pension

Comprehensive fund, from then on this money has nothing to do with you anymore

You may say: Holy shit! That's my money why not give me

Because the state is so stipulated, the return of money when only returned to the individual he deducted the money paid by the individual, the unit for him to pay all the money for the country to make a contribution

Below we look at the time of your retirement pension is how to calculate

Pension algorithms are very complex.... Because the state changes the contribution base once a year... For example, if you are 30 years old... Your current contribution base

is 3,000 yuan.... And if the retirement age is 55... Then you have to start paying the pension insurance before you are 40 years old, and if you start paying it now from the age of 30 to 55 years old

It is 25 years... Then first of all, you will be able to enjoy the pension... Secondly, if after 25 years your contribution base of 3,000 dollars has changed to 6,000 dollars (I'm talking about if)... Then when you are 55 years old

first of all, you can get 6000 x 20% = 1200 dollars of basic pension every month... This is the state to you, in addition to your personal account money in 25 years also accumulated

No less, the contribution base averaged out, (3000 + 6000) ÷ 2 = 4500, then you should have 4500 x 8% (you pay the pension insurance

personal percentage) x 25 years x 12 months = 108,000 yuan. Yuan... Then in addition to the previous 1200 yuan you can also get 108,000 ÷ 120 = 900 yuan per month, so

You 55 years old from the beginning of the month at least can get 1200 + 900 = 2100 yuan of pension.... Of course, every year the national base is still rising, so that in addition to your own 900 yuan per year.

After you retire, you will get more than 1,200 yuan every month, and your pension will be more and more

So the more you pay for your pension, the better. The more you pay, the more you'll enjoy after you retire... And... The more you pay, the more you'll enjoy when you retire.

Paying 1,000 now and getting 1,500 ten years from now is possible

There is a **policy** that should be introduced here. It doesn't matter where you pay your social security contributions.... When you retire you can only go back to your hukou to enjoy the local retirement benefits...

Looking at it this way, the person who pays in a place with a high base but retires to a place with a low base to enjoy a pension will lose a lot of money, why do you say that?

Let me give you an example, if you are young and work in Nanjing, paid 20 years of social security and then retired, but if your account in Heilongjiang, then you must go back to Heilongjiang to enjoy the pension.

If you have paid in Nanjing for 20 years the average base is 3000 (I say if), and when you retire the contribution base of Heilongjiang is only 1000 (I say if), then you can only enjoy the treatment of 1000 when you retire

When you can only enjoy the treatment of 1000! This is a big loss! In a word, if you pay for social security in a rich place but go back to a poor place to enjoy social security when you retire, then you pay a lot but enjoy very little in your life

! You may only get 1,000 bucks for 3,000 bucks! This is a very horrible thing, but there is no way, the country is this policy, so please all the current account in the west and other base of the low places but

is in Beijing or Shanghai and other base of the high places to work to pay social security students pay attention to, you can either in the west to pay the social security, or in the retirement of the account before moving to Beijing or Shanghai, or else you are

doing life a huge loss of money!

Then maybe you'll say, if my account is in Nanjing, then I'll just pay for 20 years in Heilongjiang, pay in the low base, and enjoy high benefits when you retire in the high base.

Wrong! You think the Nanjing Labor Bureau will just let you enjoy it? And then you'll be the smartest of the smart: you can't get it in Heilongjiang,

Jiangsu, and you can't get it in Nanjing either!

But some places have some moderating provisions for such cases, such as Nanjing allows you to transfer back to Nanjing from a place with a low base for 5 years before retirement, and then continue to pay the high base in Nanjing for another 5 years,

before it allows you to return to Nanjing to enjoy your pension. This policy is not the same in all places, and it is best to go to your local labor bureau to get this

problem right now, so that you don't have to go through unexpected surprises when you retire!

(2) medical insurance

This insurance national policy is quite good, the important thing is that the hospitalization reimbursement of a lot of

Previously said that the unit of the monthly payment of medical insurance to you is 9%, your personal monthly payment of medical insurance is about 2% plus 10 yuan of the general medical co-ordination, the general medical co-ordination does not care about other

Only the hospitalization of you, and that the 11% in the

The State will be to your medical insurance every month. The state every month to your health insurance account to play your own 2%, if you pay the minimum monthly base of 1189 yuan social security,

then 1189 × 2% = 23.78 yuan is the state every month to your personal money, this money you can accumulate directly to the credit card to buy drugs or outpatient clinic, the rest of the 9% of the state will be taken to calculate to the health care

Therapy Coordinating

According to the provisions of Nanjing, if you start paying medical insurance in January 2007, then from February 2007 you can buy drugs or outpatient clinics by credit card, from July 2007 you

hospitalization costs can be reimbursed, the report is quite complex, for example, say well:

If you are hospitalized on August 1, 2007, and live in a hospital in the city of Nanjing, the hospital will be the first to be hospitalized in the city of Nanjing.

If you were hospitalized on August 1, 2007, and stayed at the best tertiary hospital in Nanjing, and used medicines within the scope of medical insurance during your hospitalization, and spent 5,000 yuan on surgery and hospitalization, then the medical insurance center will deduct 1,000 yuan for the reimbursement of the first time, which is the starting price, and reimburse the remaining 4,000 yuan for the medical insurance center to reimburse 4,000 x 86% = 3,440 yuan, and you only have to pay 4,000 x 14% = 560 yuan for the reimbursement of your expenses. 4000×14%=560 yuan can be, plus the previous 1,000 yuan starting price, you spent 5,000 yuan, you only need to pay 1,560 yuan, and this 1,560 yuan can also be deducted from your health insurance

card (if you usually do not use the card), so in fact, your hospitalization does not cost much money

Medical insurance is more important than pension insurance for our young people, but also more important than the old-age insurance. The most important thing for us to do is to pay for our health insurance, after all, hospitalization is too damn expensive, and this is where the most important significance of participating in social insurance lies

But the city of Nanjing stipulates that health insurance must be paid for a full 25 years to be able to enjoy a lifetime of retirement, so if you are 55 years old and retired, you will have to start paying for your health insurance from the age of 30 at the latest

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(3) Workers' Compensation Insurance

This insurance practice is generally used less, I do not have much contact, need to remind everyone

But in practice, many people do not pay attention to save evidence, resulting in their inability to enjoy the workers' compensation insurance, which is a pity

If you are off work when the car hit, then you should quickly call the police, so that the police to investigate the record and take pictures of the evidence, the police deal with it. After the police will give you an accident what identification

book and so on, you can take this to the unit to request the report of work injuries.... If you have an accident and just let people run away and do not look for witnesses and do not report to the police and so on, that no evidence of the case

generally will not be adopted as a work-related injury

Work-related injuries there is also a statute of limitations, if you July 1, 2007 out of work-related injuries, you must immediately report the unit to the police and the evidence issued by the accident and the identification of the certificate of the accident and you out of work-related injuries to the medical or hospitalization records to the police and the police. See a doctor or hospitalized medical records to the unit, told the unit to take these materials to do the work injury identification, your unit must be in August 1, 2007 before your valid materials to the work injury identification center, such as

from the date of your injury more than one month, the injury may not be identified up. If your unit does not give you identification, then you can take the material to the identification center identification, the most

good not to exceed one month, otherwise it will be very troublesome and troublesome

(4) maternity insurance

Ah, this is also an example of a good, if you are a woman, the monthly salary of 1,000 yuan, January 1, 2007, began to pay maternity insurance, contributions to the base of 1,189, the number of children's health care workers, the number of children's health care workers. The base is 1189, and you

March 2007, pregnant, in late December 2007, gave birth to a child, in January 2008, discharged from the hospital, then you have to quickly after the discharge of the marriage certificate (not reimbursed for children born out of wedlock) + only child certificate (generally speaking, the birth of two

tire reimbursement can not be) + medical records + build a large and small card check and hospitalization and surgical costs of all invoices + hospitalization list + discharge summary of all these materials to the company, if you are pregnant checkup spent

500 yuan, hospitalization + surgery spent 2000 yuan, generally speaking, the company in the medical insurance regulations within the scope of basically can reimburse you for all of the reimbursement, reimbursement of the money to you include: 500

checkups + 2,000 hospitalization and surgery + 1189 yuan

1189 yuan / month × 4 months = 7256 yuan,

1189 yuan / month × 4 months this is the health insurance center especially for the reimbursement of the girls subsidies, only the girls reimbursement to get

The state regulations girls reimbursement of maternity insurance must be given to the four months of the average salary, so you give birth to the reimbursement of the child not only do not spend money but also can earn four

months of salary! I'm not sure how much I'm going to be able to pay for it.

If you pay a higher base than your salary, for example, if you pay 1,189 for 1,000 dollars, then you have earned it

Maternity insurance must be paid for at least one year to be able to enjoy it, remember to remember

Additionally there is also the question of whether male students are also paying maternity insurance, so male students are entitled to maternity insurance?

If you're a guy and your wife doesn't have a job or doesn't have insurance, and you've been paying maternity insurance for more than a year when she had the baby, then you can get reimbursed for the maternity

insurance,

but in the previous example, you can only be reimbursed for the half of the 500 yuan checkup fee + 2,000 yuan hospitalization and surgical fee = 1,250 yuan,

Subsidized The 1189 yuan/month x 4 months of salary you won't be able to enjoy! The first thing you need to do is to start paying for maternity insurance a year in advance, and you can earn it!

And if a guy wants to marry, he'd better marry a girl who has already paid a year's worth of maternity insurance when she has a baby, and who pays a higher base amount than her own salary. However, if she really

in the absence of insurance is okay, you can also reimburse her maternity insurance, but you do not subsidize the 4 months of salary to take, and the cost of the newspaper you can only get back half

(5) unemployment insurance

this is also to be paid for a year in order to enjoy the general payment of 1 year to take 2 months, pay for 2 years to take 4 months, but a lifetime of up to take 24 months. . For example:

If you start to pay insurance on January 1, 2007, in January 2008 you were dismissed by the company, then you can let the company give you 2 months of unemployment insurance, if the year you are to

1189 the base of the payment of the insurance, then you can get at least 2 months of more than 800 yuan ... Or you start to pay insurance on January 1, 2007, January 2008, you and the company contract expires, you

don't want to renew the contract, then you can also leave the company before the company to get you 2 months of unemployment insurance, also more than 800 yuan... That is to say, the expiration of the contract or the company dismissed,

You can be in accordance with the ratio of one year to get two months of unemployment benefits to ask the company to give you to do, if the company does not give you to do you can go to the lawsuit, a lawsuit a quasi-

But if you are not the expiration of the contract to quit their own resignation to go, then even if you have paid for one year will not be able to enjoy the unemployment insurance

As long as they quit their own resignation, not to mention the payment of 1 year, even if the payment of 1 year, the unemployment insurance will not be able to enjoy the unemployment insurance. 1 year, is to pay 10 years of unemployment insurance to the time of resignation you can not get a penny

(6) provident fund

Ah ah, housing provident fund is a good thing ah

Said so, if you pay 200 dollars for the provident fund every month, the company every month to your account to play 200 dollars, you buy a house when this is 400 bucks if you

Lifetime to pay 50,000, then your account is 100,000, this good thing we must not refuse ah

Provident Fund can be used to buy a house, pay the loan, renovation and so on, if you can find their own family land to build a house, then build a house from the provident fund to pay the money

If you have not been using the money, and finally retired seems to be able to take the money out of it.

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