Proportion of contributions paid by teachers' social security units and individuals

1. Pension insurance payment ratio: 20% for the unit and 8% for the individual. 2. Medical insurance payment ratio: unit 10%, individual 2%. 3. Unemployment insurance payment ratio: unit 1% individual, work-related injury insurance payment ratio: the unit pays for you every month, and the individual does not pay. 5. Maternity insurance payment ratio: the unit pays for you every month, and the individual does not pay. 6. Provident fund: both units and individuals are 65438+ 02% of salary.

First, the proportion of teachers paying five insurances and one gold.

1, pension insurance unit ratio: 21%; Individual contribution ratio: 8%.

2. Payment ratio of medical insurance units:11%; Individual contribution ratio: 2%.

3. Payment ratio of unemployment insurance unit, individual payment ratio and maternity insurance unit:1%; Individuals do not bear the payment.

5, the proportion of work-related injury insurance units, individuals do not bear the payment.

Two, the provisions on the proportion of teachers' five insurances and one gold

1. Generally speaking, public teachers belong to the official career establishment of the state and are fully funded educational units, so they do not need to pay endowment insurance, so they only have four insurances and one gold; Teachers in private schools are contracted and need to pay five insurances and one gold.

2. The five insurances and one gold paid by teachers include endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. Among them, individuals participate in paying insurance, such as pension, medical care, unemployment insurance and other social security projects, as well as provident fund.

3. As for how to calculate teachers' five insurances and one gold, this is also divided into public and private teachers. Generally, the standard for private teachers to pay five insurances and one gold is the same as that of local enterprise employees. You can consult the social security bureau or the housing provident fund management center.

4. In terms of "five risks", the sharing ratio between units and individuals is generally: 20% for pension insurance units and 8% for individuals; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit 2%, individual1%; 1% maternity insurance shall be borne by the unit; Industrial injury insurance is also borne by the unit, and individual employees do not bear maternity and industrial injury insurance. In terms of "one gold", the proportion of units and individuals is generally between 5%- 12%, and the proportion of units and individuals paying provident fund is the same.

Three. Insurable value

Insurable value is the actual value of the subject matter insured. According to China's Insurance Law, if the insured and the insurer have an agreement on the insured value of the subject matter insured and specify it in the contract, when the subject matter insured suffers losses, the agreed insured value shall be taken as the compensation calculation standard.

If the insured and the insurer have not agreed on the insured value of the subject matter insured, when the subject matter insured suffers losses, the actual value of the subject matter insured at the time of the insured accident shall be taken as the compensation calculation standard.

Simply put, the insured value can be determined by three methods:

1, according to the provisions of the law and contract law, the law and contract law are the fundamental basis for determining the insurance value;

2. According to the insurance contract and the agreement of both parties. It is difficult to measure the insurance value of some insurance objects, such as life insurance and health insurance. If people's health and life cannot be measured by money, the insurance value shall be agreed by both parties.

3. Determine the insurance value according to the change of market price. The insured value of some insurance objects is not always constant. Most of the subject matter will also depreciate with the passage of time, and its insurance value will show a downward trend.

To sum up, the proportion of teachers' five insurances and one gold is generally slightly different from that of individuals. According to the different schools where teachers are located, the proportion has also changed, but the change range is certain. It should be noted that the contribution ratio of public schools and private schools is different. I remind you that when calculating the proportion of teachers' five insurances and one gold, you must first distinguish your own situation and calculate according to the specific proportion regulations.