What is the scope of social security?

Question 1: What is social security? What does social security include? How much is the general full coverage? Social security is the abbreviation of social insurance. Social security is compulsory, that is, both employers and individuals need to pay. At present, social security is divided into five types: endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance.

The role of social insurance lies in: providing for the old, getting medical care for the sick, getting medical care for the sick, getting medical care for the injured, and losing income. In other words, you can get some compensation and relief for illness and injury.

If it is possible, it will definitely be better than not doing it well. If you do it, you will be guaranteed, and vice versa.

Individuals who pay fees only need to pay pension, medical care and unemployment, and maternity and work-related injuries are paid by the unit.

The pension payment ratio is 20% for the unit and 8% for the individual.

About 6% for medical units and 2% for individuals.

Unemployed unit 2%, individual 1%

Question 2: What exactly does social security cover? Social security mainly includes pension, medical care, maternity, work injury and unemployment. Pension: payment 15 or above, reaching the statutory retirement age, you can receive a monthly pension; Medical treatment: hospitalization can be reimbursed for a large amount of expenses; Childbirth: before giving birth to a child, you can enjoy part of the expenses reimbursement as long as you continue to pay 12 months or more; Work-related injuries: In case of work-related injuries, you can enjoy a certain proportion of reimbursement; Unemployment: You can get unemployment insurance benefits after the unit terminates the labor contract with you and before you find a new work unit. How long you receive it depends on how long you pay unemployment insurance money.

I don't know what you mean by accident. If the company buys you accident insurance, you can get some money, but it is not social insurance, but commercial insurance, such as life insurance and Taikang. In social security, work-related injuries meet your requirements, but work-related injury insurance must be appraised. Different levels of disability, compensation for work-related injury insurance is different! So it's hard to say there are many details!

Question 3: What does social security include? What does social security include?

Complete social security includes five insurances and one gold, namely, pension, medical care, work injury, maternity, unemployment insurance and housing accumulation fund.

Based on the company's purchase of full social insurance, the calculation is as follows:

Medical insurance: 2% for individuals and 8% for units;

Endowment insurance: individual 8%, unit12%;

Unemployment insurance: individual 1%, unit 2%;

Industrial injury insurance: no individual, unit1%;

Maternity insurance: no individual, unit1%;

Provident fund: 3.5% for individuals and 3.5% for units.

Work injury and maternity insurance expenses shall be borne by the unit.

If the salary is 6000 yuan/month, the premium to be paid is:

Medical insurance: 6000*2%= 120 yuan, unit 6000*8%=480 yuan;

Endowment insurance: 6000*8%=480 yuan, and the unit is 6000* 12%=720 yuan; 450

Unemployment insurance: 6000* 1%=60 yuan, unit 6000*2%= 120 yuan;

Work-related injury insurance: no individual, unit 6000* 1%=60 yuan.

Maternity insurance: no individual, unit 6000* 1%=60 yuan.

Provident fund: 0.000 * 3.5% = 2 10 yuan, 6,000 * 3.5% = 210 yuan.

So the personal total is: 870 yuan, and the unit total is: 1650 yuan.

The calculated data may be different from the actual data, but the calculation method is like this.

Question 4: What does "social security" cover? Five insurances refer to: medical insurance, endowment insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The first three types of insurance are premiums paid by enterprises and individuals, and the latter two are borne by enterprises.

What is the payment ratio of "five insurances and one gold"?

At present, the contribution ratio of endowment insurance in Beijing is: 20% for the unit (of which 17% is included in the overall fund and 3% in the personal account) and 8% for the individual (all included in the personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan;

Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit; Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual.

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. However, in principle, the maximum wage shall not exceed 10% of the average wage of employees in Beijing.

(Overall planning fund refers to: in the process of the gradual transformation of the old-age insurance system from the state-unit system to the state-society system, the state needs to make overall plans to solve the problems of unbalanced economic development and aging population.

(1) Establish a social pooling fund mainly based on enterprise contributions; (2) Establish personal accounts based on employees and enterprises; (3) *** bear the pension fund management costs. This semi-fund system, which combines social pooling with individual accounts, is conducive to coping with the crisis of China's aging population, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transformation from the enterprise pension insurance system to the individual pension insurance system. )

The payment amount of four insurances and one gold varies from region to region, and the base is the total salary. Some enterprises pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department.

The surrender of endowment insurance, unemployment insurance and medical insurance can only be obtained under the circumstances permitted by law, and shall be issued by the insurance registration department. For example, "Old-age insurance can only be received if it reaches the legal age, and unemployment insurance benefits is also eligible to receive it. For example, if you go to the street office where your household registration is located and apply for an employment permit, it means that you must have the will to apply for a job after you lose your job.

If you don't want to work after losing your job, you won't get insurance money. In addition, pensions and unemployment benefits cannot be enjoyed at the same time.

? Do you enjoy insurance during the probation period?

You should also enjoy insurance during the probation period, because the probation period is an integral part of the contract period, not isolated from it. So you should also take out insurance during the probation period. In addition, it is the legal obligation of the enterprise to insure employees, which does not depend on the intention or will of the parties. Even if employees say that they do not need to pay insurance, commercial insurance cannot replace social insurance. Enjoy old-age insurance benefits

Those who have paid the old-age insurance premium 15 years or more and reached the statutory retirement age can enjoy the old-age insurance benefits:

1, receive the basic pension on a monthly basis according to regulations until death.

The basic pension is calculated as follows:

Basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement × 20% (the payment period is insufficient 15 is 15%)+ personal account principal and interest and indexed monthly average payment salary ×1payment period before the end of 997 ×

2. Death treatment. (1) Funeral expenses (2) One-time pension (3) Subsidies for immediate family members who meet the support conditions are paid monthly until the immediate family members who support them die.

Note: Endowment insurance should be paid continuously as far as possible. According to the relevant documents, if the enterprise or the insured pays the basic old-age insurance premium intermittently (except for the unemployed and those who do not pay according to the relevant regulations), the insured meets the conditions stipulated by the state for receiving the pension. When calculating the basic pension, the calculation base of the basic pension will be moved forward year by year according to the cumulative intermittent payment time to the average salary of employees in this city in the previous year (the cumulative intermittent payment time is calculated at 65438+ for each full year).

For example:

If you retire in 2020, under normal circumstances, your basic pension is 2065438+the average social wage in 2009 × 20%, but if your pension insurance is interrupted for 30 months before retirement, it will be interrupted for 2.5 years. According to two years, your basic pension is 2065438+the average social wage in 2007 × 20%.

Medical insurance >>

Question 5: What does social security include? Social security is the abbreviation of social insurance. Social security is compulsory, that is, both employers and individuals need to pay. Social security is currently divided into: old-age insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance. The role of social insurance lies in: providing for the old, getting medical care for the sick, getting medical care for the sick, getting medical care for the injured, and losing income. In other words, you can get some compensation and relief for illness and injury. If it is possible, it will definitely be better than not doing it well. If you do it, you will be guaranteed, and vice versa. Individuals who pay fees only need to pay pension, medical care and unemployment, and maternity and work-related injuries are paid by employers. The proportion of personal pension payment is 8%, medical care is 2%, and unemployment is 1%. Pay monthly according to your salary. Social security should include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The first three are social security contributions paid jointly by units and individuals, while the last two are paid by units. Social insurance is compulsory, and the unit must buy it for the workers. Types of social security, individual contributions and proportional pension insurance, 8% medical insurance, 2% maternity insurance, industrial injury insurance and unemployment insurance. 1%

Question 6: What does the company's social security cover? Hello:

The social security of the company is divided into five insurances: pension, medical care, unemployment, regular education and work-related injury.

Let's not talk about anything else. Let's talk about medical care in the middle.

Medical insurance is mainly used to ensure the medical treatment of employees. There are two cases: 1. Outpatient service no.2. Hospitalization.

1. Outpatient service refers to some minor illnesses such as colds and must be hospitalized. Go to the outpatient pharmacy to get the social security card and prescribe some medicine. The money in the social security card can be used at will. But when you run out, you can only use it at your own expense, or wait until next month.

2. Hospitalization refers to some serious diseases that must be hospitalized. There is a threshold for hospitalization expenses (about 1000-2000 yuan), and the rest of hospitalization expenses must be reimbursed according to regulations. About 80% can be reimbursed.

After the medical insurance card is included in the social security, it will be distributed to individuals in about three months and can be used. As long as you pay social security every month, it is always effective.

Question 7: What social insurance are there? Social insurance is divided into five categories:

First, endowment insurance (divided into urban workers' endowment insurance and urban and rural residents' endowment insurance);

Second, unemployment insurance;

Three, medical insurance (medical insurance for urban workers and medical insurance for urban and rural residents);

Fourth, industrial injury insurance; 5. Maternity insurance.

Question 8: What is social security? What types of insurance are mainly included? What's the use? How to use it? The specific social security composition ratio is:

Endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major illness co-ordination mainly covers hospitalization);

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself;

Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself.

Most importantly, in this way, the proportion of social security paid by the company for you every month should be 21%+9%+2%+0.5%+0.8%+8% = 41.3%.

Your monthly social security payment should be 8%+2%+10+1%+8% =19%+10. Leaving aside 10 paid by Yuan You for the time being, the ratio paid by the company and yours should be 4 13: 190, which means that if you pay 190 yuan's social security every month, the company will put 4 13 yuan into your social security account and add it to your social security account every month.

So when you can't see it, the social security fee paid by the company is actually more than twice that of you, so don't feel bad when you pay social security every month ~ you know that the company pays much more than you, but it is the company that feels bad.

Back to three insurances and one gold and five insurances and one gold, everyone should have seen it here. In fact, the three insurances and one gold mentioned in Jianghu are completely equal to five insurances and one gold, except that the three insurances and one gold come from the insurance paid by you personally (pension+medical care+unemployment+provident fund), and the five insurances and one gold come from the insurance paid by your company (pension+medical care+unemployment+work injury+maternity+provident fund). Just say that three insurances and one gold are five insurances and one gold.

In addition to the company can pay you social security, in fact, people who don't have a job but have income, or people who have a company but don't pay social security can also pay social security themselves, but individuals can only pay endowment insurance+medical insurance, work injury, maternity, unemployment and provident fund, which you can't pay personally.

Here is what is the social insurance payment base.

Just now, we all know that the monthly social security payment ratio of the company is almost 4 13: 190, so now there is another question: What is the relationship between the monthly social security payment and this ratio? How is the social security fee determined?

You may not have noticed that every province and city issues a "minimum payment base for social insurance" at the beginning of July every year. This base is based on the average salary of employees+welfare+various subsidies in the previous year, which is determined after statistical calculation. The minimum base number announced by Nanjing in July this year is 1 189 yuan. What does this mean? It means that as long as Nanjing is a regular organization that pays social insurance for employees, the minimum monthly payment for each employee is1189× 41.3% = 491yuan, and the employees must at least pay189×19%+.

But now there is a new problem. The wages of employees in Nanjing vary greatly. Some people earn 1000 a month, while others earn 10000 a month. Does it mean that people who get 1000 pay the same social security fee as those who get 10000?

Please note that this 1 189 is the lowest radix, and there is a highest radix above 1 189. Nanjing's highest base this year seems to be more than 8,000. I forgot the details, too Anyway, if your salary is below 1 189 yuan per month, the company must also pay189 yuan +089 × 4 1.3% = 49 1 yuan, and you must pay at least/kloc-0 per month. This is the significance of 1 189 as the minimum payment base of social security: even if you get 1000 or 800 yuan a month, you have to pay the minimum amount of 1 189 every month!

However, if your salary is higher than 1 189, for example, you pay 3,000 yuan a month, and when the company goes to the labor bureau to pay insurance for you (the social security fee paid by your company is deducted by the labor bureau), you should say to the labor bureau, "Yeah, there is a comrade here who pays 3,000 yuan a month, so please deduct the social security fee according to the standard of 3,000 yuan." Then. & gt

Question 9: What is social insurance? What is included? 1. What is social insurance?

Social insurance is a social insurance system in which the state gives certain material assistance to workers when they temporarily or permanently lose their source of livelihood due to old age, illness, work injury, unemployment, childbirth and death.

Two, all enterprises must pay social insurance, regardless of farmers and towns.

Three, civil servants should also pay social insurance, civil servants insured institutions and institutions of social insurance.

Question 10: What kind of insurance does the social security company buy depends on how much insurance you pay? There are "five risks" and "three risks". Generally speaking, provident fund does not belong to the scope of social security. As mentioned above, "five insurances" refer to endowment insurance, medical insurance and unemployment insurance. As for medical insurance, it is calculated according to last year's payment, and whether it can be reimbursed depends on local or company policies.

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