How much does it cost to pay for seven insurance premiums a month how much does it cost a month

First of all, we should realize that the social insurance is a better insurance than the commercial insurance, the reasons are as follows:

1. Social insurance is the state does not carry out for profit the welfare of all the people to carry out the cause of protection, while the commercial insurance is to be profit-making, in general, the commercial insurance charges than the same specifications of the social insurance to be a lot higher Oh

2. The protection of aspects than the general commercial insurance to be more, commercial insurance is generally only insured medical or pension, social insurance can generally be insured at the same time five insurance, and in the medical piece, the advantages of social insurance is very prominent

3. Social insurance standards are constantly rising every year, the state will be in accordance with the basic salary of the workers at the beginning of July each year for social security base adjustments, and adjust the proportion is also very high, the general increase of 10% or more per year, the social security system will be adjusted in accordance with the basic salary of the workers. Generally higher than 10% per year, that is, the more money after the higher, the biggest advantage of doing so is that the impact of inflation can be eliminated to a relatively small, and commercial insurance, even if it will also be adjusted to return, but the overall will not be faster than the social insurance said

In a word, now did not participate in the social insurance has been the work of the students speed to participate in the social insurance, has been to participate in the commercial insurance but did not participate in the social insurance has been working students, but not to participate in the social insurance, but also to participate in the social insurance.

So, how does social insurance work?

Now students go out to look for work will often hear the unit to pay three insurance or five insurance, yes, that is to say that the unit is willing to pay for your social insurance, but according to the state regulations the unit to pay part of the same time you have to pay a part of the individual, which involves the composition of the composition of the social insurance and composition of the proportion of the problem, which is not the same as the standard of each province and city, but the general is not much different from the standard of each province and city, but it is not the same as the standard of each province and city. Roughly not too much difference, in my city of Nanjing, for example:

Social insurance = pension insurance + medical insurance + unemployment insurance + industrial injury insurance + maternity insurance + housing fund

(Note: the above five insurance may be different in various areas of practice, your unit may not be the five insurance for you to pay all the money, for example, Nanjing, some units do not pay the staff and only pay the other four) Medical insurance and only pay the rest of the four insurance, some units do not pay the provident fund and only pay five insurance, so you must find out what your unit in the end to you to pay what insurance and whether to pay the 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 the main);

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

Worker's 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 fund: the unit pays 8% per month for you, you pay 8%

Above all, so that it comes down to

Housing Provident Fund: the unit pays 8% for you every month, and you pay 8% for yourself

Above that, the proportion of social security paid by the unit for you every month should be 21% + 9% + 2% + 0.5% + 0.8% + 8% = 41.3%

Your own proportion of social security paid by the unit for you every month should be 8% + 2% + 10 bucks +1% + 8% = 19% + 10 bucks

Temporarily, the unit pays the proportion of social security paid by the unit and the proportion of your payment is 413:19%. should be 413:190, that is to say, if you pay 190 dollars a month for their own social security, then the unit will be your social security account into 413 dollars, every month your social security account on the increase of money should be 413 + 190 = 603 dollars

So that in the case you can not see, the unit to pay the social security costs is actually more than twice as much as you, so you Every month when you pay the social security fee don't heartache ah ~ you have to know the unit than you pay a lot more it, heartache is actually the unit - +

Yeah ah ~ words back to that three insurance a gold and five insurance a gold, here we should have seen, in fact, the jianghu on the three insurance a gold is completely equal to the five insurance a gold, just three insurance a gold is from the insurance you personally pay (old age + medical + unemployment + provident fund) to say. Provident Fund), five insurance a gold from your unit to pay the insurance (old age + medical + unemployment + industrial injury + maternity + provident fund) to say. The three insurance and one gold said five insurance and one gold in fact just to say it sounds good~

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 the individual can only pay the pension insurance + medical insurance, work injury ah maternity ah unemployed ah provident fund ah you personally can not pay up

The above introduction of the composition and composition of the proportion of the social security, and the composition of the social security, and the proportion of the social security, and the proportion of the social security, and the proportion of the social security, and the proportion of the social insurance. The composition of the social security and the composition of the ratio, the following should be introduced to what is the social insurance payment base

Just now the students already know the ratio of social security paid by the unit each month and the ratio of your payment is almost 413:190, so now there is another problem: their monthly social security premiums and what is the relationship between this ratio, social security premiums in the end is how to determine it?

You may not have noticed, each province and city will be released in early July each year, a "social insurance minimum payment base", the base is based on the previous year's average salary + benefits + a variety of subsidies and other miscellaneous costs after statistics and calculations after the determination of the Nanjing this year, the minimum base announced in July was 1189 yuan, this is what it means, meaning that Nanjing as long as the formal payment of social security units for employees, each month for each employee to pay at least 1189 × 41.3% = 491 yuan, and employees to pay at least 1189 × 19% + 10 = 236 yuan per month, so you and the unit should pay the social security premiums every month out

But now there is a new But now there is a new problem, Nanjing workers wages vary greatly ah, some people get 1000 a month, some people can get 10,000 a month, do you want to get 1000 and get 10,000 are paying the same social security contributions?

Please note that this 1189 is the minimum base, in 1189 above the highest base, Nanjing this year's highest base seems to be more than 8,000, I have forgotten, anyway, if your salary every month in 1189 yuan below, the unit must be in accordance with the 1189 yuan for you to pay 1189 × 41.3% = 491 yuan, and your own every month at least 1189 × 19% + 10 = 236 yuan, and you have to pay 1189 × 19% + 10 = 236 yuan. 19% + 10 = 236 yuan, this is 1189 as the minimum social security contribution base of the significance of it: even if you get 1000 or 800 yuan a month, you must pay the minimum monthly in accordance with the 1189!

But if your salary is higher than 1189, for example, you get 3,000 yuan a month, then the unit to the labor bureau to pay your insurance (your unit and you pay the social security fees are deducted by the labor bureau Oh ~) should be on 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. Please deduct the social security premium at the rate of 3,000 dollars." Then the labor bureau will pay 3000 for the base to deduct your unit and your money and then hit your social security account, your unit should pay 3000 × 41.3% = 1,239 yuan per month for you, and you should pay 3,000 × 19% + 10 = 580 yuan per month

That is, if your salary is below 1,189 yuan, then each month you will be In accordance with the 1189 to pay; if your salary in 1189 yuan above, then every month you in accordance with your actual salary to pay, unless your salary is higher than the maximum base figure, if you take 10,000 a month and the maximum base figure is 8,000 then, you and your unit are in accordance with the 8,000 to pay

Here to expose the shameless practice of some companies, these companies may give you a few thousand dollars a month, but the company will pay you a lot of money, but it is not enough for you to pay. Thousands of wages, but they go to the labor bureau to declare your base when not in accordance with your actual salary to report, for example, if you take 3,000 yuan per month, they go to the labor bureau may say that you only take 1,189 yuan, and then the labor bureau only deducted 1,189 × 19% + 10 = 236 yuan per month, you are afraid that you are also happy very much, because you feel that the deduction of your money is less, you actually get your hands on a lot of money

What is wrong with this? p>

Wrong! If this is the case, your company is shameless! Because the company's contribution is more than twice as much as yours, so the less you pay, the less they pay! If according to your actual salary of 3000 to calculate, they should pay you 3000 × 41.3% = 1239 yuan of social security contributions per month, and according to the 1189 to calculate, they only pay 1189 × 41.3% = 491 yuan per month for you! So you're actually at a huge disadvantage! The regular company will only according to your actual salary to the labor bureau to declare and deduct money! Only those underhanded companies will pay you the minimum regardless of your salary!!!! Don't think that the less you have to pay each month, the better! You may have been shamelessly bullied by the company and you are still completely unaware!!!!

To determine the unit for you in the end to pay the base is how much is very simple: if you deduct 300 dollars a month of social security, then your base is almost 300 ÷ 19% ≈ 1578 yuan, you look at your salary is not this number, if your salary is obviously higher than 1578, for example, every month, you actually get 3,000 or 4,000, then certainly you have been bullied by the company to the company, to be bullied. After the bullying you can go to the local labor inspection brigade to sue your unit, generally a quasi, but it is best to leave the evidence (such as pay stubs, etc.) to find the good and then sue, or you sued after the company generally do not mix - +

To explain again is that the composition of social security ratios in various places are not the same, if you are not in Nanjing, then the proportion of your contribution is probably not 19%, but certainly not too much, but the difference is not too much. But certainly not too much difference, for example, your base may be 20% or 22%, but definitely not 30% or 40%! So although 19% is the proportion of Nanjing, but foreign students can also rely on this roughly calculate their own base

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En, now you know how much you should pay monthly social security premiums, but these social security premiums are specifically What is the situation and how to use it?

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

First of all, let's talk about the pension insurance

This insurance generally have to pay the full 15 years to the time of retirement in order to enjoy the pension for the rest of your life, so you want to get the pension students be sure to start the pension 15 years before you retire, and then you will have to pay the full 15 years before the retirement. The first 15 years before retirement, this is outside of Nanjing is almost the same rules

If you to the retirement age to pay pension insurance less than 15 years, then wait until your retirement time the state will be your personal account on the deposit of 8% of the pension all refunded to you

Then you will ask, the unit to pay you 21% to go where?

This you do not expect the state will give you, you retire to your personal money away, the state will unit for you to pay 21% of the money all the money to the national pension fund, from this money and you no longer have to do

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

Because the state is so stipulated -- +

Return of money only to the individual he deducted the money paid by the individual, the unit for him to pay all the money for the country to contribute to the -- +

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

The algorithm of the pension is very complex because the state each year will be the base of contributions to the pension fund, the state will be the first to pay the pension fund, the state will be the base of contributions to the fund. The state will change the contribution base once a year, for example: if you are now 30 years old, your current contribution base is 3,000 yuan, and the retirement age if 55 years old, then you have to start paying the pension insurance before you are 40 years old, and if you are now from the age of 30 years old to pay, pay to the age of 55 years old is 25 years, then first of all, sure that you can enjoy the pension, and secondly, if 25 years after you paid 3,000 yuan of the contribution base has become 6,000 yuan (I said if), then you are 55 years old, first of all, you can get 6,000 × 20% = 1,200 yuan per month of the basic pension, which is the state to you, in addition to your personal account on the money in the 25 years has accumulated a lot of contributions to the base of the average of the good, (3,000 + 6,000) ÷ 2 = 4500 Then you should have this 25 years on the personal account 4500 × 8% (you pay the proportion of the individual pension insurance) × 25 years × 12 months = 108,000 yuan, then in addition to the previous 1200 yuan you can get 108,000 ÷ 120 = 900 yuan per month, so you can get at least 1,200 + 900 = 2,100 yuan per month at 55 years of age. Pension, of course, every year the state base is still rising, so that every year in addition to your own 900 yuan, you will get more money than 1200 yuan per month after retirement, that your pension will of course more and more

So the more you pay for pension insurance, the better, the more you pay the more you enjoy more after retirement, but also, the state adjusts the base every year after you get the money will be more and more, now pay 1,000 yuan. More and more, now pay 1000 ten years later to get 1500 are possible

Here to introduce a ** policy, that is, no matter where you pay social security premiums, when you retire you can only go back to your hukou location to enjoy the local retirement treatment, so look at the base of the place to pay the social security but retire back to the base of the place to enjoy the pension of the person that the loss of a big, Why do you say that? Why do you say that? Let me give you an example, if you work in Nanjing when you are young, paid 20 years of social security and then retired, but if your hukou in Heilongjiang, then you must go back to Heilongjiang to enjoy the pension. If you paid for 20 years in Nanjing with an average base of 3000 (I'm talking about if), and when you retire the contribution base in Heilongjiang is only 1000 (I'm talking about if), then you can only enjoy 1000 when you retire! This is a big loss! In a word, if you pay social security in a rich place but retire to a poor place to enjoy social security, then you pay a lot of life but enjoy very little! If you pay 3,000 dollars, you may only get 1,000 dollars! This is a very scary thing, but there is no way, the country is this policy, so please all the current account in the west and other base of low places but in Beijing or Shanghai and other base of high places to work to pay social security students pay attention to, you either in the west to pay 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 business

Then perhaps you will say

If my account in Nanjing, then I in Heilongjiang to pay 20 years is not good, in the base of the low payment, retirement back to the base of the high place to enjoy high benefits. Wrong! Do you think the Nanjing Labor Bureau will just let you enjoy it?! Usually in this case Nanjing will find a reason to refuse to transfer you! Then you'll be smart: you can't enjoy it in Heilongjiang, and you can't enjoy it in Nanjing either!

But some places in such a situation have some easing of the provisions, such as Nanjing allows you to retire before 5 years from the base of the low places to transfer back to Nanjing, and then continue to pay 5 years in Nanjing, Nanjing's high base, and then it allows you to return to Nanjing to enjoy the pension. This policy is not the same in all places, and it is best to go to your local labor bureau to get this right now, so that you don't have to go through any unexpected surprises when you retire.

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