The latest and most comprehensive encyclopedia of social security knowledge.

Social security is what we often call five risks: pension, medical care, unemployment, maternity and work-related injuries. Take Shanghai as an example. From 2065438 to 2009-2020, the proportion of social security fees paid by units was 32.6%, and that paid by individuals was 10.5%. If the monthly salary before tax is 1 000, the company will pay you 3260 social security fees every month; I personally need to pay 1050.

It can be seen that the social security fee paid by the unit is more than three times that paid by the individual. So, don't feel bad about the social security fee you deducted, because the boss is even more distressed! You can call 12333 to confirm the latest payment base and proportion to the local social security center.

Payment base

Around July every year, all provinces and cities will publish a "social insurance payment base". Take Shanghai as an example, the minimum base is 4699 yuan, which is defined according to 60% of the average salary in Shanghai. Literally, it is not difficult to understand that if the salary is lower than this base, the unit also needs to pay social security fees to employees according to this minimum payment base.

Corresponding to the lowest base, there is also the highest payment base. Let's take Shanghai as an example. Even if your monthly income is 65,438+10,000 yuan, the company can only give you 23,496× 32.6% = 7,660 yuan at most, and you can also give 23,496×10.5% = 2,467 yuan at most.

If the personal salary level is between the minimum and maximum payment base, it will be paid according to the actual salary.

Everyone should also pay attention to this. The so-called heart of hurting people is indispensable, and the heart of preventing people is indispensable. It is not ruled out that there will be a few unscrupulous bosses who cheat on the social security payment base and reduce labor costs in disguise at the expense of employees' retirement pensions (except provident fund).

Want to know what is the standard for the company to pay you social security, in addition to consulting the HR department honestly and frankly, there is a simple method that is harmless to people and animals. For example, the payroll shows that 500 yuan was deducted from social security in a certain month, and the payment base chosen by the company for you is almost 500 ÷10.5% = 4,762 yuan. Please call 12333 to confirm the latest individual contribution ratio to the local social security center before calculation!

provide for the aged

1

how much

The unit pays 20% to the social pooling account and 8% to the personal account for employees every month.

2

How long will it take?

The first thing to understand is that the endowment insurance must be paid for 15 years, so that you can receive it monthly after retirement and enjoy it for life. If you don't pay 15 years, after retirement, the state will only refund you 8% of your monthly contribution (pension in personal account), but 20% paid by the unit for you will be included in the pension pooling fund, which is impossible to receive.

three

how much

Payment 15 years is only the basic threshold, and the payment period and payment base will determine how much pension you can finally receive. Generally speaking, the more you pay, the longer you pay, and the more you get! What is the basis? Pension collection consists of two accounts, personal account pension+basic account pension. Personal account pension amount = personal account storage amount ÷ personal account pension months.

The amount of savings in a personal account is 8% of your personal monthly commitment. Counting the number of months is actually a rough estimate of how many months you can live after retirement. According to the data given by Ministry of Human Resources and Social Security, retirement at 50 is 195 months, retirement at 55 is 170 months, and retirement at 60 is 139 months. This data is a rough average based on the average life expectancy.

Give a chestnut. Lao Zhang joined social security at the age of 35, with a monthly salary of 5,000 yuan (assuming no change), and retired at the age of 60 after 25 years.

Personal account * * * is 5000×8%× 12 months× 25 years = 120000 yuan. Retire at the age of 60, for a total of 139 months, and you can get it from your personal account every month: 120000÷ 139=863 yuan. The amount of basic pension = (the average monthly salary of employees in the whole province last year+the average monthly salary of employees in the whole province last year × the payment index) ÷2× the payment period × 1%. The contribution index refers to the proportion of your retirement salary to the average social salary of that year. Among the chestnuts mentioned above, it is assumed that when Lao Zhang retired, the average salary in his province was 5,000 yuan, and the average salary in the previous year was 4,500 yuan.

According to the formula, first calculate the payment index =5000÷5000= 1. Monthly pension of basic account = (4500+4500×1) ÷ 2× 25×1%=1/25 yuan. Lao Zhang's monthly pension = 863+1125 =1988 yuan until his death. What would happen if Lao Zhang didn't live to 139 months? At this time, the state will return the pension in the personal account to the family members in one lump sum, but the money paid by the company to basic deposit account can't be recovered, and it will be transferred to the pension fund to supplement those who live longer than 139 months. As can be seen from the above: 1. With the increase of the average social wage every year, Lao Zhang's pension will also increase. In the past 10 years, the pension has maintained an annual growth rate of about 8%, and the growth rate is considerable. 2. Pension must be paid more and paid less. The premium of high-income people is partly distributed to low-income people.