What is the social security what are the types of social security how much do you pay per month?

Unemployment insurance: the unit pays 2% for you every month, you pay 1%;

Worker's compensation insurance: the unit pays 0.5% for you every month, you don't have to pay a penny;

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

Housing provident fund: the unit pays 8% for you every month, you pay 8% for you;

Above all, so that it comes down to this, the unit will pay for your social security every month. unit each month for you to pay the proportion of social security should be 21% + 9% + 2% + 0.5% + 0.8% + 8% = 41.3%

Your own each month for you to pay the proportion of social security should be 8% + 2% + 10 yuan + 1% + 8% = 19% + 10 yuan

Temporarily removed from the $ 10 you pay do not talk about the proportion of the unit to pay the proportion of your payment and the proportion of the unit to pay the proportion of the unit to pay the proportion of the unit to pay the proportion of the unit to pay the proportion of the unit to pay the proportion of the unit to pay the proportion of your payment should be 413:190. 413:190, which means that if

You pay 190 dollars for your social security every month, then the unit will be your social security account into 413 dollars, every month your social security account on the increase in the money should be 413 + 190 = 603 dollars

So you can not see, the unit to pay the cost of social security in fact, is 2 times your more than So you pay your social security fees every month, don't be distressed ah ~ you have to know the unit than you pay a lot more than it, the heartache is actually the unit.

Talking back to the three insurance and five insurance and one gold, here we should have seen, in fact, the jianghu said three insurance and one gold is completely equal to the five insurance and one gold, just three insurance and one gold is from your personal insurance (old age + medical + unemployment + provident fund) to say, five insurance and one gold is from your unit to pay the insurance (old age + medical + unemployment + injury + maternity + provident fund) to say. The three insurance and one gold said five insurance and one gold in fact just say it sounds good.

In addition to the unit can pay for your social security, in fact, no work but have income personnel or have a unit but the unit does not pay social security personnel can also pay for their own social security, but the individual can only pay the pension insurance + medical insurance, work injury ah birth ah unemployment ah provident fund, ah, you personally can not pay up.

Here is what is the social insurance payment base

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

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 to determine the minimum base published in Nanjing in July this year was 1189 yuan, this is what it means, it means that Nanjing as long as the formal social security units for employees to pay, every 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 be paid every month social security premiums came out.

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 premiums?

Please note that this 1189 is the lowest 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 to the labor bureau to say: "ah ah, a comrade on our side to get 3,000 a month, please in accordance with the standard of 3,000 yuan to deduct the social contribution. Please deduct the social contribution according to the standard 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 you have to pay a lot of money to the company to pay for it. Thousands of wages, but they go to the Bureau of Labor Statistics to declare your base does not follow your actual salary to report, such as if you take 3000 yuan per month, they go to the Labor Bureau may say you only take 1189 yuan, and then the Bureau of Labor Statistics each month only deduct you 1189 × 19% + 10 = 236 yuan, you are afraid that you are also very happy, because you feel that deductions of your money is less, you actually get your hands on the money more wrong! If so your company is too shameless! Because the company's contribution is more than twice as much as yours, so the less you pay, the less they pay! If your actual salary of 3,000 to calculate, they should pay you 3,000 × 41.3% = 1,239 yuan of social security contributions per month, while according to the 1,189 to calculate, they only pay 1,189 × 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 totally unaware of it!!!! 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 3000 or 4000, then certainly you have been bullied by the company, be bullied you can go to the local labor inspection brigade to sue the company. The local labor inspection brigade sued your unit generally a lawsuit a quasi, but it is best to leave the evidence (such as pay stubs, etc.) to find a good lawsuit, or you sued the company after the general mixing - + to explain again is that the composition of the proportion of social security is not the same in all places, if you're not in Nanjing, then the proportion of your contribution is likely to be 19%, but certainly not too much difference, such as the base for you! may be 20% or 22%, but definitely not 30% or 40%! So although 19% is the proportion of Nanjing, but foreign students can rely on this roughly calculate their own base

The following introduction to these social security contributions in the specific situation and how to use

It has already been said that the social insurance = pension insurance + medical insurance + workers' compensation insurance + maternity insurance + unemployment insurance + housing provident fund

First, the old-age insurance Well

This insurance generally have to pay the full 15 years after the time of retirement in order to enjoy the pension for life, so want to take the pension students please be sure to start before their own retirement 15 years ago, this is outside of Nanjing is almost the same rules if you pay the pension insurance to the age of retirement less than 15 years, then wait until the time of your retirement, the state will be on the account of your personal savings of 8

This is the first time that you have to pay the pension insurance to the age of 15 years. /p>

% of the pension all refunded to you

Then you will ask, the unit for you to pay 21% of where to go? This you do not expect the state will give you, you retire to your personal money away, the state unit for you to pay all the 21% of the money to the national pension fund, from this money and you no longer have to do with you may say: Holy shit! That's my money why not give me because the state is so stipulated when the refund is only returned 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 --

Let's take a look at the time of your retirement pension is how to calculate

The pension algorithm is very complex, because the state will be the base of the contribution changes once a year, the state will be the first time, the state will be the first time, the state will be the first time, the state will be the first time, the state will be the first time, the state will be the first time. 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 to pay the pension insurance before you are 40 years old, and if you are now from the age of 30 years old to start 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 pay the 3,000 yuan of the Contribution base has become 000 (I said if), then you are 55 years old, first of all, you can get 6000 × 20% = 1200 yuan per month of the basic pension, which is the state to you, in addition to your personal account money in 25 years has accumulated a lot of contribution base averaged well, (3000 + 6000) ÷ 2 = 4500, then

You this 25 years of personal account in the personal account of a good, (3000 + 6000) ÷ 2 = 4500, then

The first thing you can do is to pay the contribution base of the contribution base. 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 every month 108,000 ÷ 120 = 900 yuan, so that you are 55 years old, you can get at least 1200 + 900 = 2100 yuan per month pension, of course, every year the national base is still in the process of development, but also in the future, the state of the country's pension system. Of course, every year the base of the country 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 will enjoy more after retirement, but also, the state adjusts the base every year after you get more and more money. Now pay 1000 after ten years to get 1500 are possible here to introduce a perverted policy, that is, no matter where you pay social security premiums, when you retire you can only go back to your hukou to enjoy the local retirement treatment, so see, in the base of a high place to pay social security but retired back to the base of a low place to enjoy the pension of the people that would have lost a lot of money, why is it so? I'll give an example, if you are young when you work in Nanjing, paid 20 years of social security and then retired, but if your account in Heilongjiang, then you have to go back to Heilongjiang to enjoy the pension

Gold. If you have paid in Nanjing for 20 years the average base is 3000(I am talking about if), and when you retire the contribution base in Heilongjiang is only 1000(I am 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 places but in Beijing or Shanghai and other base places to work to pay

Social security students pay attention to, you can either in the west to pay for 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 money

Then perhaps you will say, the rich places to pay for social security but when you retire back to the poor places to enjoy social security, then you pay a lot of life but enjoy very little! >Then maybe you will say, if my account in Nanjing, then I pay 20 years in Heilongjiang is not good, in the base of the low place to pay money, 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 any unexpected accidents when you retire.

The following medical insurance

The national policy of this insurance is quite good, the important thing is to reimburse a lot of hospitalization

Previously said that the unit of the monthly payment of medical insurance for you is 9%, your personal monthly payment of medical insurance is about 2% plus 10 yuan of the general medical co-ordination, the general medical co-ordination does not care about other things only to care for your hospitalization, and the 11% in the country will be every month to the The 11% of the state every month to your health insurance account to play your own 2%, if you pay the minimum monthly base of 1189 yuan social security, then 1189 × 2% = 23.78 yuan is the state every month to your personal money, this money you can accumulate directly to the credit card to buy drugs or outpatient clinic, the remaining 9% of the state will be taken to calculate the health care fund

According to the provisions of the nanjing, if you From January 2007 to start paying medical insurance, then from February 2007 you can swipe the card to buy drugs or outpatient clinic, from July 2007 onwards you can be reimbursed for hospitalization costs, the report is quite complex, for example,

Good

If you are hospitalized in August 1, 2007, live in the best third-class hospitals in Nanjing, hospitalization with the is the medical insurance coverage of drugs, surgery + hospitalization and other costs a *** spent 5,000 yuan, then the reimbursement of the medical insurance center first deducted 1,000 yuan, which is the starting price, the remaining 4,000 yuan medical insurance center can be reimbursed 4,000 × 86% = 3,440 yuan, you only have to pay 4,000 × 14% = 560 yuan can be, coupled with the previous 1,000 yuan of the starting price, you have to pay 1,560 yuan for 5,000 yuan. 5000 yuan they only have to pay 1560 yuan on it, and this 1560 yuan can also be deducted from your health insurance card (if you usually do not use that card), so in fact you can not spend much money on hospitalization medical insurance for our young people than the pension insurance is much more important, after all, hospitalization is really too damn expensive, which is to participate in the social security of the most important significance of the place However, the Nanjing municipal regulations The medical insurance must be paid for 25 years in order to enjoy a lifetime after retirement, so if you retire at the age of 55, then at the latest 30 years of age must begin to pay the medical insurance

The following is said to be the workers' compensation insurance

This insurance is generally used in practice, I do not have much contact with, and I need to remind everyone is that you if you are at work or on

When off duty out of something, this insurance will be used in the future.

But in practice, many people do not pay attention to save evidence, resulting in their inability to enjoy the workers' compensation insurance, which is a pity

If you are off duty when hit by a car, you should quickly call the police to investigate the record and take pictures of the evidence, the police

After the processing of the accident will give you an accident what the appraisal of things, you can take the something, you can take this to the unit to ask for a report of injury

If you have an accident and just let people run away and do not look for witnesses and do not report to the police and so on, then there is no evidence of the case will not

be adopted as a workplace injury

Workplace injuries there is also a statute of limitations problem, if you have a workplace injury on July 1, 2007, you must immediately report to the unit to the police issued

This is the first time that a workplace injury has been reported to a workplace injury, the police will be the only way to prevent the accident from happening.

Evidence and accident appraisal certificate and you out of the work injury to see a doctor or hospitalized medical records to the unit, so that the unit to take these materials to

do the identification of work injuries, your unit must be in the August 1, 2007 before the validity of your materials sent to the Work Injury Appraisal Center, if the distance from the

from the day of the injury for more than a month, then the injury may be identified not to

from the day of the injury, then the identification of the injury. The first thing you need to do is to get your hands dirty. If your unit does not go to your appraisal,

then you can take the material to the appraisal center appraisal, it is best not to exceed one month, otherwise it will be very troublesome and troublesome

The following maternity insurance

this is also an example of a good, if you are a woman, the monthly salary of 1,000 yuan, January 1, 2007 began to pay the maternity

The first thing you need to do is to make sure that you have the right amount of money to pay for the insurance policy, and that you have the right amount of money to pay for the insurance. The first time I saw a woman in the hospital, I was able to get her to go to the hospital for a few days, and I was able to get her to go to the hospital for a few days, and I was able to get her to go to the hospital for a few days, and I was able to get her to go to the hospital for a few days. But you can also earn 4 months of salary!

If you pay a higher base amount than your salary, for example, if you pay 1,189 dollars for 1,000 dollars,

then you have earned it

You have to pay for maternity insurance for at least one year before you can enjoy it.

If you're a man and your wife doesn't work or doesn't have insurance, and you've paid for maternity insurance for more than a year when she gave birth, then you can get reimbursed for the maternity insurance,

But in the previous example, you can only be reimbursed for 500 yuan for the checkups

half of the 2,000 yuan of hospitalization surgery costs=1,250 yuan,

Subsidized 1189 yuan/month x 4 months of salary you will not enjoy

! This is only available to girls when they are reimbursed,

The same amount of money, girls will get 7,256 yuan for reimbursement, while boys can only get 1,250 yuan for reimbursement,

This is one of China's rare policies that discriminate against

males,

So, it's best to plan ahead before you give birth to a child. So it's best to plan ahead and start paying for maternity insurance a year in advance, so you can earn it!

And if a guy wants to marry a wife, he'd better marry a girl who has already paid for a year's maternity insurance when she had her baby and the base amount she paid is higher than her

own salary! However, if she really does not have insurance is okay, you can also give her reimbursement of maternity insurance, but

You do not have subsidies for four months of salary to take, and the cost of the report you can only get back half.

Unemployment insurance

Unemployment insurance, this is also to pay a full year to enjoy, generally pay 1 year to get 2 months, pay 2 years to get 4 months, but a lifetime of the most

More than 24 months. For example:

If you start to pay insurance on January 1, 2007, in January 2008, you were dismissed by the company, then you can let the company give you 2 months

of unemployment insurance, if the year you are to 1189 of the base of the payment of the insurance, then you can get at least 2 months more than 800 yuan

Or you January 1, 2007, start to pay insurance, in 2008, you can get at least 2 months

Or you Jan. The first time you start to pay insurance, January 2008 you and the company contract expires, you do not want to renew the contract then

Then you can also leave the company before the company to give you to get 2 months of unemployment insurance, also more than 800 yuan

That is to say, the expiration of the contract or the company dismissed, you can be in accordance with the year to get 2 months of unemployment benefits rate to ask the company to give you

The company will not be able to get the unemployment insurance, but it will be able to provide you with a good job, so you have to pay for the unemployment insurance. If the company doesn't do it for you, you can sue the company.

But if your contract is not expired and you resign, then even if you pay a full year will not be able to enjoy the unemployment insurance

As long as the resignation, not to mention the payment of 1 year, is to pay 10 years of unemployment insurance to the resignation of the time you can not get a penny.

The Housing Provident Fund is a good thing

To put it this way, if you pay 200 bucks a month for the Fund, then the company will also play 200 bucks a month to your account, you buy a house

This is 400 bucks, if you pay 50,000 for the rest of your life, then your account is 100,000, this kind of good thing we must not

To be rejected ah.

Public Provident Fund can be used to buy a house, pay back the loan, renovation and so on, if your own family can find land to build a house, that build a house

money can also be paid from the Public Provident Fund

If you have not been using this money, and finally retired when it seems to be able to take all the money out of the bar

[Advanced]Supplementary Notes[5KB]

[Advanced]Supplementary Notes[5KB]

This is the first time that I've seen this kind of money in the world, but I think it is a good idea. p>To say and Nanjing different place it, Mordor is not allowed to not pay medical insurance, that is to say, the social security center of this piece

including old age medical unemployment injury maternity together with the enterprise asked to collect, but the provident fund can be paid can not be paid, because this is subordinate to the jurisdiction of the provident fund

center

specific social security composition of the proportion of

Pension insurance

Pension insurance: the unit pays 22% for you every month, and you pay 8%;

Medical insurance: the unit pays 12% for you every month, and you pay 2%;

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

Worker's compensation insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny;

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

Maternity insurance: the unit pays 0.5% for you every month, and you pay 1%;

Maternity insurance: the unit pays 0.5% for you every month, and you pay 1%;

Maternity insurance: unit each month for you to pay 0.5%, you do not pay a penny;

Housing fund: unit each month for you to pay 7%, you pay 7%

Supplementary housing fund: unit each month for you to pay 8%, you pay 8% (this is only a general benefit of the state-owned enterprises

will be, and the proportion of the company and the company) (The general company to pay a provident fund even if it is very moral)

Additionally to say is the relationship between social security and personal tax

In the payment of personal tax, is the personal deduction that part of the deduction and then calculate the taxable base, but there is a point to note

Provident fund and supplemental provident fund exceeds the part of the 12% (personal and corporate contributions) also need to be counted in the taxable base

There is a point to note that the part of the

For example, if the 7% provident fund and 8% supplementary provident fund mentioned above add up to 15%, then the 3% part of the personal deductions should be counted

in the taxable amount, and at the same time, the 3% of the enterprise, although not deducted from the individual's salary, should still be counted in the taxable

base, that is to say, the individual will have to pay the tax bill for this expense. tax bill.

Medical insurance use this piece, around the way for the transfer into the personal account is different

Love is the Nanjing kind of monthly transfer into the way, there are a lot of places is the annual transfer

Specifically this is the case, the health insurance year is every year from April 1 to the next year's March 31, at the same time, social security contributions to the base of the change is also

in the first half of April The change of the base for social security contributions is also

determined in early April.

The health insurance bureau will be in accordance with each person's social security base on April 1, 1 year of personal health insurance (that is, the 2%) into the personal health insurance card

account, but then there is a problem, April 1, the year of the social security base has not yet been established, the health insurance bureau can only

according to the previous year's base to the projected year of the individual health insurance premiums, then the difference should be What to do? That is, on April 1 of the following year

to make up for the undercount or deduct the overpayment

Maybe such a large paragraph may seem very troublesome, so let's take an example

Someone's average monthly income was 5,000 yuan in 2004, 4,000 yuan in 2005, and 6,000 yuan in 2006

Medicare gave an individual account to an individual on April 1, 2006

The bureau of medical insurance in the year 2006

was not yet established. When the Social Security Center credited the amount to the individual account on April 1, 2006, the Social Security Center had not yet approved the 2006 contribution base

(that is, the average monthly income in 2005), so the MPS still calculated the amount of the individual account for the whole year on the basis of the contribution base in 2005 (that is, the average monthly income in 2004

)

that is, 5,000 *2%*12=1200,

but in fact this person's personal account amount for the year should be

4000*2%*12=960,

then this extra 240 yuan will be deducted on April 1, 2007 when the person's personal account amount is

4000*2%*12=960,

then this extra 240 yuan will be deducted on April 1, 2007 when the person's personal account is deducted. Meanwhile the new year's personal

personal benefit credited to the account on April 1, 2007 will still be $960 (actually it should be $6000*2%*12=$1440), and the underpayment of $480 will be made up on April 1, 2008

back.

So because most people's contribution base is different every year, almost everyone's account totals in March and the amount of money they

see in their accounts in April

for the calendar year are different, and that's what the health insurance board creates when they do their yearly cost accounting.

There is also a statute of limitations for work-related injuries. If you have a work-related injury on July 1, 2007, you must report it to your unit right away, hand over to your unit the

evidence issued by the police and the certificate of accident assessment, as well as the medical records of the doctor's visit or hospitalization after your work-related injury, and ask the unit to take these materials to

make a work-related injury assessment. Your unit must send your valid materials to the Work Injury Identification Center before August 1, 2007, if the distance

from the day of your injury is more than a month, the injury may not be identified. If your unit does not go to your identification, then

You can take the material to the identification center identification, it is best not to exceed one month, otherwise it will be very troublesome and troublesome

This point has a complementary declaration of work injuries, there are two ways, one is the unit to declare, and the same as the above love to say, 30 days have

effective, and another is the declaration of the individual, effective within one year, but Due to the injury or other reasons, the longer the delay the more insufficient evidence

, personal declaration, but also because they do not know the process will delay a lot of time and energy.

In terms of maternity insurance, for miscarriages, difficult births, multiple births, and premature births, you can look specifically at this link below, which is

Shanghai's policy, but there are similarities all over the world.

Maybe there is a difference in policy between Shanghai and Nanjing, the company absolutely does not care about this aspect of the reimbursement, are by the medical insurance directly and the pregnant woman hooked up

Hook

In the maternity checkups during the birth of the hospitalization period, within the scope of the medical insurance co-ordination is the medical insurance co-ordination payment, of course, out-of-pocket expenses of the items (such as

such as high-grade wards, out-of-pocket expenses medicines, etc.) or to bear the burden of their own.

After the birth of a child, you can go to the health insurance bureau to apply for a maternity allowance, and the bureau will give you 3,000 yuan

Social security will give you 3 months of income from the contribution base

Adding half a month for late births, and half a month for multiple births

If your average monthly income from the previous year was greater than the upper limit of the social security contribution base, then you will be paid by social security only.

Part of the base

The rest will be paid by the company

For example, if someone's average monthly wage income in the previous year was 10,000 and the social security base was capped at 7,392.

The social security system will give you 7,392 per month, and the rest of the 10,000 - 7,392 = 2,608 will be paid by the company.

(Though I think this is a situation that is less likely to be encountered by those of you in the cloud =. =.)

In fact, there are two key points:

1, before giving birth to a full year of contributions

2, social security contributions to the base of normal declaration

So students, especially female students, do not feel that the company declared the base of high and low does not matter to you, and even for the base of the

number of low their wages to the hands of the high and celebrate, to this time to see the problem! I'm not sure if you're going to be able to do that!

This is why there are so many female workers would rather stay in the low-wage but social security full declaration of the place to give birth to a child and then jump ship

Reason, a small place does not like unmarried female employees, and secondly, maternity insurance is a large amount of income supplements.

For example, a person's normal salary of 3,000, but the social security base declaration counts her year-end awards and other bonuses income,

then the monthly average may reach 5,000, which is when the child birth of the months to take is the income of 5,000 in January.

If you have not been using this money, when you finally retire, it seems that you can take all the money out of it

Not seemingly, is absolutely possible!

And the fact that CPF loans have much lower interest rates than commercial loans is also a big plus.

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