2019 Tianjin five insurance and gold payment base ratio, five insurance and gold minimum standard

Revealed Tianjin five insurance and one gold: housing fund long-term unused not cost-effective

1, Tianjin five insurance and one gold payment base

(1) degree of Tianjin provident fund contribution base

Since July 1, the city's housing fund contribution base from the average monthly gross salary of the employee individual in 2013, adjusted to the employee's individual average monthly gross salary. The total wages of the employees are approved in accordance with the caliber of total wages calculation stipulated by the national statistics department. Degree of housing accumulation fund contribution base minimum shall not be less than 1850 yuan, the maximum shall not exceed 19230 yuan.

Units in the January 1 to June 30 period of new hiring and new transfer of employees, the adjusted contribution base since the hiring or transfer of the month to June of the average monthly gross salary.

(2) degree Tianjin social security contribution base

Employers and employees to pay urban workers basic pension, urban workers basic medical care, unemployment, work injury and maternity insurance premiums base of the minimum and maximum standard of 2812 yuan and 14058 yuan respectively.

The minimum and maximum standards for the base of social insurance contributions paid by farm workers who first participate in pension, medical and work injury insurance are 2109 RMB. Urban self-employed businessmen and flexibly employed people to pay the basic pension insurance premiums for the base of 6047 yuan. According to the 6047 yuan contribution is difficult, you can choose between 6047 yuan and 2912 yuan to determine the contribution base.

Five types of individuals to participate in the medical insurance contribution base standard

1. Individual urban industrial and commercial enterprises and flexibly employed persons to contribute to the medical insurance base of 2912 yuan.

2. Flexible employment of self-employed people enjoying social insurance subsidies, their health insurance subsidies base 2912 yuan.

3. For the older flexible employees in the hosting center who are entitled to social insurance subsidy, the base for health insurance contribution is RMB 2812.

4. For those who are receiving unemployment insurance benefits, the contribution base for basic medical insurance for urban workers is 2812 RMB.

5. The contribution base for medical insurance and medical subsidy for disabled soldiers with grade 1 to 6 disability is 4686 RMB.

Retirees health insurance premium financing standards

Civil administration retirees and military retirees without military status, to participate in the basic health insurance premium financing standards for 6575 yuan (including the amount of health insurance personal account injection).

Civil service medical subsidy standards

1. Civil administration of the retired cadres of the army placed in the city to participate in the civil service medical subsidy financing standards for 9315 yuan, of which 6575 yuan into the basic medical insurance fund for employees, 2740 yuan into the civil service medical subsidy fund.

2. Central and foreign units in Tianjin, employees and retirees to participate in the civil service medical subsidy financing standards for 3756 yuan and 7387 yuan respectively.

The standard for reserving social insurance premiums

The standard for reserving maternity insurance premiums for pregnant female workers for employers that have been legally declared abolished, dissolved, bankrupt, and declared to be terminated due to other reasons is RMB 20184.

2, Tianjin five insurance and one gold payment ratio

(1) Tianjin provident fund contribution ratio

The city's unified contribution ratio of unit and employee housing provident fund remains unchanged, still 11% each. 16 January transferred to the city's unified management of the Tianjin Economic-Technological Development Area of foreign-invested enterprises can be transferred according to the pre-transfer of the housing provident fund contribution ratio policy implemented until December 31st. The company's business is also a major player in the market.

(2) Tianjin social security contribution ratio

Pension insurance: 8% for individuals, 20% for organizations

Medical insurance: 2% for individuals, 10% for organizations

Unemployment insurance: 1% for individuals, 1% for organizations

Industrial injury insurance: no contribution for individuals, 1% for organizations

Maternity insurance: no contribution for individuals, 0.8% for organizations

Looking for a job? /p>

Looking for a job, in addition to asking for wages, generally have to ask how to pay the five insurance and gold. This is because you can't live without it. But there are some secrets that you don't know about the insurance. For example, the pension insurance to pay more ≠ get more; medical insurance is not all the disease can be insured, and so on.

The following for you to reveal the secret of "five insurance and one gold":

God is five insurance and one gold: social security five insurance and one gold, including pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, housing fund.

The secret of the five insurance and one gold scam: your money is not paid in vain

Formal five insurance and one gold payment ratio

Next, we come to the detailed interpretation of the secret of the five insurance and one gold.

1, tianjin city pension insurance: after retirement your consumption level may have to fall sharply

Currently China's pension insurance system, to "urban workers basic pension insurance" as the core. This means that people who work are deducted from their paychecks every month, and when they reach the legal retirement age (60 for men and 50 for women), they can receive a pension from the social security system.

Suppose you graduated from university at the age of 22 and worked in Beijing, which has the highest pension development index in China, with an average monthly income of 8,000 yuan (the average monthly salary in Beijing was 4,672 yuan in 2011) and a unit contribution of 8,000 yuan to the salary base. According to the fixed growth rate of 5%, your monthly salary will be 48,600 RMB when you retire (age 60). And according to the current standard, you will receive a pension of $8,624 upon retirement. This equates to only 18% of your pre-retirement salary and is less than the national average basic consumer spending.

2, Tianjin medical insurance: not all diseases can get insurance

plastic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, the above medical expenses, medical insurance is not care.

In addition, if the unfortunate traffic accident, or by thugs hurt, these are not in the medical insurance coverage, only in the public security organs to prove that really can not find the victim of the case, can be by the medical insurance temporary write-off.

There are also many restrictions on the use of health insurance in other places. In the domestic non-residential place of sudden illness, the need for emergency rescue can first be near the hospital, but must be within three working days, the date of hospitalization, the name of the hospital and other information will be reported to the participant health insurance agencies for the record, the condition of stabilization after the need to continue to treat, it should be transferred to the designated medical institutions in time to seek medical treatment.

3, Tianjin to receive unemployment benefits, must first meet the following two conditions:

1) the unit and I have been in accordance with the provisions of the obligation to fulfill the unemployment insurance premiums for 1 year

2) non-owner-initiated resignation

Then there is a whole lot of formalities to be done: should be in the date of leaving the job within 60 days of the vocational guidance and training card, household registration, identity card, the termination of labor (employment). The first thing you need to do is to register for unemployment with the labor security department of the street or town where your household is located within 60 days of the date of separation with your vocational guidance and training card, household register, ID card, proof of termination of the labor (employment) contract or working relationship, and a photo to apply for unemployment insurance benefits.

Note that the location of the hukou, that is to say, if your hukou in Gansu, and people work in Shanghai, you have to go a long way back home to do. The current standard, most of the cities in a month of unemployment insurance premiums ranging from a few hundred dollars, basically no more than 1,000 yuan, the more economically backward areas, the less you can receive. Money is not much, can be collected for a long time is not long: unemployed before the cumulative contribution of 1 year to 5 years, up to 12 months; 5 years to 10 years, up to 18 months; cumulative contribution time of more than 10 years, up to 24 months.

4, Tianjin Workers' Compensation Insurance: 48 hours of life and death line

June 19, the network appeared on the Internet, entitled "minor civilian workers die 1 hour late not counted as a workplace fatality forcing people to die early? the net post. The net post said, Hunan Loudi 17-year-old civilian workers Chen Guo, in Dongguan City, Shijie Town, working in severe heatstroke death. As Chen Guo died in the 49th hour after the onset of the disease, his family has not been able to get compensation after 20 days.

They were told that Article 15 of China's Work Injury Insurance Regulations stipulates that if a person dies of a sudden illness during working hours and at work, or if he dies within 48 hours after being rescued, the death will be treated as a work injury. Chen Guo is the onset of the 49th hour after the death, is not considered a work injury.

In fact, the dispute and litigation on the recognition of work injury has been continuous. Not only 48 hours of life and death line, to recognize the work injury, not so easy.

5, Tianjin Municipal Maternity Insurance: must have a unit

Maternity is a very private thing, but if there is no work unit, it is difficult to enjoy maternity insurance. This is because maternity insurance must be paid by the unit. In other words, a full-time wife would not be able to have maternity insurance.

Maternity insurance can only be enjoyed if you have paid contributions for at least one year. After the birth of a child, you will have to continue to pay, but if you don't, you won't be able to enjoy the benefits of family planning at a later stage.

6, Tianjin Housing Provident Fund: long-term not cost-effective

Many people know that the more the unit pays each month, the better the Housing Provident Fund, the future to buy a house, renovation can be used. But for those who don't buy a house, or aren't planning to buy a house in the short term, it's not cost-effective to have a provident fund just sitting on your account.

This is because the portion of the provident fund that is paid in the current year can only earn a demand deposit rate, while the funds paid in previous years can only earn a three-month fixed deposit rate. With inflation on the rise, it is obviously not as good as using it for investment yourself, or even a one-year fixed deposit in a bank.

Now, these little secrets about the five insurance funds, you have figured out?