How to pay personal insurance for employees in Gaoyou city

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Nowadays, social security is sometimes called five insurances and one gold, and three insurances and one gold. See how the company compound interest, some pay three risks, and some pay five risks.

Five insurances and one gold include: social endowment insurance, social medical insurance, industrial injury insurance, unemployment insurance and maternity insurance.

housing accumulation fund

At present, social security transfer is still very troublesome. A lot of things have to go to the social security account, and many things have to go to the place where they are located. Your company is in Shanghai, so I'm afraid you have to do a lot of things.

Medical insurance is more troublesome. If it is handled at the registration place, it can only be reimbursed at the registration place. However, except for some local designated hospitals, the registration places of medical documents in other places are not recognized.

So your social security medical compensation is probably a vacancy. Your company had better buy commercial insurance for employees, and group life insurance is the best. A person has more than 200 yuan a year, and has a large amount of medical expenses insured, and as long as he buys it in a big insurance company, it is basically omnipotent! ~!

Handling of social security:

Through the social security bureau where the household registration is located, the individual bears the full cost. The upper and lower limits of the urban insurance base paid by freelancers are determined between 300% and 60% of the average monthly wage income of employees in this city last year. Some areas have different grades to choose from in terms of payment base and proportion. Pension and medical care must be paid, and unemployment, work injury and maternity insurance premiums are not paid. Please consult the local social security bureau 12333 for specific expenses. Social security policies vary from place to place.

Social security principle: 1, minimum living guarantee for workers who lose their ability to work;

2. Low level and wide coverage (killing the rich and helping the poor)

Payment standard: 1. Employees: individuals pay 8%, and companies pay 20%, which are not included in personal accounts (last year 1 1%, of which 3% went into personal accounts and changed every year).

2. Flexible employees: divided into four grades, the lowest (annual change) is 2256 yuan/year, 65438 yuan +087.83 yuan/month, of which 40% goes into personal accounts and 60% goes into social pooling.

Payment time: at least 15 years. If the payment is insufficient 15 years, it can be supplemented 15 years.

Calculation method of social security collection and payment:

Before retirement, the average monthly salary of employees in the whole city in the previous year was × 20% (15 for those whose payment period was less than 15)+ personal account principal and interest and ÷ 120+ indexed monthly average salary.

Example:

(Suppose the average wage in a city is 134 1.67 yuan).

Mr. Wang, a 35-year-old flexible employee, bought social security for himself, and the minimum payment was 187.83 yuan/month, that is, 2253.96 yuan/year. By the time Mr. Wang paid 15, that is, when he was 50 years old, the total cost was 33,809.4 yuan:

Access to Mr. Wang's social security personal account: 33,809.4x40% =13,523.76 yuan;

Enter the social security pooling account: 33,809.4x60% = 20,285.64 yuan;

Assuming that Mr. Wang's average social wage in the year before his retirement is 2000 yuan, Mr. Wang's monthly pension is:

Part I: 2000X20%=400 yuan

Part II:13523.76x (1120) =1/2.7 yuan.

Total: 5 12.7 yuan/month.

Defects of social security:

1. Only 40% of the money paid goes into personal accounts, and the remaining 60% goes into national social pooling.

2. The fee will increase by 20%-25% every year, and the payment time should be at least 15 years.

3. To receive a pension, you must reach the age stipulated by the state (55 years old for women and 60 years old for men, and extra for those who are over age).

4. If you die after reaching the age of collection, only the burial fee will be paid, and if you die before the retirement age, the cash value will be returned, with a loss of 100%.

There is no basic law, no contract, no value-added guarantee, and no one tells you how much money you can collect every year or month in the future. The staff of the Social Security Bureau are just a bunch of grandfathers.

6. Moving from different places is very troublesome.

7. If you add medical insurance, there is a certain guarantee, but when you really need a lot of medical expenses, the various restrictions of medical insurance will drive you crazy. It may cost tens of thousands, and only a few thousand or less can be reimbursed.

8. Social security is the guarantee of minimum water quality, not a package (Zhu Rongji said). To truly care for the aged, it is necessary to prepare from an early age.

9. The amount of reimbursement for medical treatment is limited, especially for serious illness. The phenomenon of insufficient social security coverage and outpatient expenses is even blank.

10, in actual use, especially for people with three addresses like the landlord, the utilization rate is very small, and the actual treatment is almost zero.

If your company refuses to buy business group insurance for employees, buy a business insurance for yourself. Don't be reluctant to part with money. It's too late to cry when something goes wrong ~