On the payment of five insurances and one gold, some people say that social security, like provident fund, is deducted as much as possible every month. Is it true?/You don't say.

As an on-the-job employee, it involves the deposit base of five insurances and one gold. In the past, the five insurances were all approved and managed by social security agencies, and the housing provident fund was approved by the competent department of provident fund. With the construction of various medical support departments, the division of responsibilities is becoming more and more optimized. Social security agencies only take care of three risks: old-age service, laid-off and work-related injuries. The medical insurance department undertakes medical and maternity insurance, and the housing construction department undertakes provident fund.

Although the division of responsibilities is optimized, the deposit base of five insurances and one gold is mostly the same. The employer takes the wages of its employees who pay five insurances and one gold as the deposit base, the employees themselves take their average monthly income of last year as the deposit base, and the newly hired employees take their salary of last month as the deposit base.

In the payment of five insurances and one gold, many people are more concerned about the payment of provident fund. The contribution ratio of the provident fund is 5% to 12%, based on the individual's annual income in the previous year, and the employees of the employer pay in the same proportion. For example, if the deposit ratio set by the employer is 12%, then you pay 12% by the employer and 12% by the employee himself, and all the enterprise contributions and individual contributions are transferred to the employee's personal account. In fact, the more employees deduct, the more enterprises contribute. Although the monthly salary will be reduced, the provident fund is equivalent to their own savings and their own wage income.

Of the five insurances in personal social security, only social endowment insurance, medical insurance and unemployment insurance are paid by individuals and units in proportion. Unemployment insurance is only 1% because the payment standard is very low. However, the greater the payment standard, the longer the payment period, and the higher the unemployment benefits after being laid off in the future. The specific calculation standard of unemployment insurance benefits is actually calculated according to the payment base other than the payment period.

The proportion of personal deduction from social endowment insurance is 8%, and all of this 8% is credited to personal account. Moreover, the more I deduct, the greater my salary income, the greater my deposit base, the higher my payment index, and the greater my personal account is credited to the fund balance, which will increase my pension insurance income after retirement.

The proportion of individual contributions to medical insurance is 2%, and the individual contributions to medical insurance should be fully returned to the individual account, and the enterprise contributions should be returned according to the proportion of 30%, and the returned amount should be returned according to the amount paid by the individual. Therefore, the greater the amount deducted by me, the higher the deposit base, and the higher the medical insurance funds returned to the individual account. This is also the main reason why some people only return dozens of dollars a month, while others return hundreds of dollars a month.

For example, the personal salary is 5,000 yuan per month, and 8% of the social endowment insurance is deducted every month, and 400 yuan is deducted from the salary every month; The proportion of medical insurance must be deducted is 2%, and the monthly medical insurance fee is deducted 100 yuan, which should be returned to his personal account; Unemployment insurance premiums must be deducted from 25 yuan; If the provident fund is paid according to the ratio of 12%, 600 yuan's provident fund will be deducted every month, plus the part paid by the enterprise, and the monthly individual housing provident fund will be 1200 yuan.

If the individual's monthly salary is 10000 yuan, then the social security and provident fund deduction costs need to be doubled compared with the monthly deduction of 5,000 yuan. The monthly pension insurance in 800 yuan, medical insurance in 200 yuan, unemployment insurance in 50 yuan, provident fund 1200 yuan, and the personal account of provident fund is 2,400 yuan per month. Provident funds are tangible, equivalent to savings deposits, so what's the use of deducting this money from personal social security?

From the perspective of medical insurance, the monthly salary of 1000 yuan is twice that of 5000 yuan, but the money deducted by oneself is returned to the social security card in the form of personal medical insurance account. In fact, the sheep is stuffed with wool, and I don't lose money. It's just that this money can be used for medical care, but the medical expenditure itself is needed and must be used.

The enterprise payment part needs to be refunded. If the return ratio of the enterprise is 1%, according to the payment of 5,000 yuan, only a part of the enterprise will return to 50 yuan. According to the return of 1 1,000 yuan, the enterprise needs to return 1 1,000 yuan, which is twice that of the person who paid 5,000 yuan. Therefore, some medical insurance will be deducted and returned to individuals.

A little bit more complicated is some social endowment insurance, with a monthly salary of 5,000 yuan and a monthly salary of more than 65,438+10,000 yuan, which is just twice as different, and the deposit base is also twice as different. The difference between my deduction amount and my personal account balance needs to be doubled. Theoretically, in the future, the personal account pension insurance premium needs to be doubled. After adding the pension, the difference of the old-age insurance premium will be more than 60% under the premise of the same payment period.

Generally speaking, if I deduct more from the provident fund, the enterprise will deduct more. In fact, it is to improve my personal account savings of the provident fund; Deducting more money from personal social security means higher on-the-job salary, higher deposit base, higher average payment index, higher fund balance in personal account, higher social security benefits and higher pension benefits in the future.