How much is the social security fee in July this year

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 is mainly in charge of hospitalization of this); unemployment insurance: unit each month for you to pay 2%, you pay 1%; workplace injury insurance: unit each month for you to pay 0.5%, you don't pay a penny; maternity insurance: unit each month for you to pay 0.8%, you don't pay a penny; maternity insurance: unit each month for you to pay 0.5%, you don't pay a penny; maternity insurance: unit each month for you to pay 0.8%, you don't pay a penny. pay 0.5%, you do not pay a penny; maternity insurance: unit every month for you to pay 0.8%, you do not pay a penny; housing provident fund: unit every month for you to pay 8%, you pay more than 8%, so that calculation, the unit every month for you to pay the proportion of the social security should be 21% +9% +2% +0.5%+0.8%+8% = 41.3% of your own Every month for you to pay the proportion of social security should be 8% +2% +10 yuan +1% +8% = 19% +10 yuan temporarily remove the 10 yuan you pay not to talk about, the unit to pay the proportion of the proportion of your contribution and the proportion of your contribution should be 413:190, which is to say that if you pay 190 yuan every month for their own social security, then the unit will be to your social security account into the 413 yuan, every month your Social security account on the increase of money should be 413 + 190 = 603 dollars so that you can not see the case, the unit to pay the cost of social security is actually 2 times more than you, so you pay social security premiums every month when you do not want to heartache ah ~ you have to know that the unit more than you pay a lot of it, the heartache is actually the unit. The words back to the three insurance and five insurance and gold, here we should have seen, in fact, the jianghu said three insurance and gold is completely equal to the five insurance and gold, just three insurance and gold is from your personal insurance (old age + medical + unemployment + provident fund) to say, five insurance and gold is from your unit to pay the insurance (old age + medical + unemployment + injury + maternity + provident fund) to say. The three insurance a gold said five insurance a gold is actually just to say good sound only. In addition to the unit can pay for your social security, in fact, no work but have income or have a unit but the unit does not pay social security personnel can also pay for their own social security, but individuals can only pay the pension insurance + medical insurance, industrial accidents ah maternity ah unemployed ah provident fund ah, you can not pay up personally. Below is an introduction to what is the social insurance payment base just now you already know the monthly unit to pay the proportion of social security and you pay the ratio 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 to determine the minimum base in Nanjing in July this year was announced 1189 yuan, this What is the meaning of it, meaning that Nanjing as long as the formal payment of social security units for employees, each month for each employee to pay at least 1,189 × 41.3% = 491 yuan, and employees to pay at least 1,189 × 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 10000 a month, do you want to get 1000 and get 10000 are paying the same social security contributions? Please note that this 1189 is the minimum base, in 1189 above there is the highest base, Nanjing this year's highest base seems to be more than 8000, I have forgotten, anyway, if your salary per month in the 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 pay 1189 × 19% + 10 = 236 yuan, and this is the 1189 × 19% + 10 = 236 yuan, this is the social security contributions. 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, we have a comrade a month to get 3,000, according to 3,000 yuan of the standard deduction of social contributions! ". Then the labor bureau will pay 3000 yuan 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 at this time for you, and you should pay 3000 × 19% + 10 = 580 yuan per month that is, if your salary is below 1,189 yuan, then every month you pay in accordance with 1,189; If your salary is below 1,189 yuan, then every month you pay in accordance with 1,189; If your salary is below 1,189 yuan, then every month you pay in accordance with 1,189; If your salary is below 1,189 yuan, then every month you pay in accordance with the social security account. If your salary is more than 1189 yuan, then every month you pay according to your actual salary, unless your salary is higher than the maximum base, if you get 10000 a month and the maximum base is 8000, you and your unit are according to the 8000 to pay here to expose the shameless practice of some companies, these companies may give you a few thousand dollars a month, but they go to the bureau to declare your base will not be according to your salary, and the base will not be according to your salary. The base of the time and will not be in accordance with your actual wages to report, for example, if you take 3,000 yuan per month, they go to the labor bureau may say you only take 1,189 yuan, and then the labor bureau each month only deduct you 1,189 × 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 after the company generally do not mix - + to explain again is that the composition of the social security ratio of various places is not the same, if you are not in Nanjing that your contribution ratio is likely to be 19%, but certainly not too much difference, such as 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 below to introduce the social security premiums specifically what is the situation and how to use the previous has been said, social insurance = pension insurance + medical insurance + industrial injury insurance + maternity insurance + unemployment insurance + housing fund first of all, the pension insurance is good this insurance is generally to pay the full 15 years to the retirement time to enjoy the pension for life! When you can enjoy a lifetime pension, so you want to get a pension students please be sure to start paying before their own retirement 15 years ago, this is almost outside of Nanjing is also such a provision if you pay the pension insurance to the retirement age of less than 15 years, then wait until you retire when the state will be your personal account on the deposit of 8% of the pension all back to you that you will ask, the unit to pay you 21% to where to go? Where is the 21% that the organization paid for you? 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 all the 21% of the money to the national pension fund, from this money and you no longer have anything to do with you may say: Holy shit! That's my money why not give me because the state is so stipulated when the money back to the individual he deducted his own personal money, the unit for him to pay all the money for the country to contribute to the following we look at your retirement pension is how to calculate out of the pension algorithm is very complex, because the state every year will be the basis for the contribution to change once, for example, well: if you are now 30 years old, you Now the contribution base is 3,000 yuan, and the retirement age if 55 years old, then you must be in your 40 years old before you start to pay the pension insurance, 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 a 000 yuan (I am talking about if), then you 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 contributions to the base of the average, (3000 + 6000) ÷ 2 = 4500, then you should have 4500 × 8% (you pay the personal proportion of the pension) × 25 years on the account of the individual Personal ratio) × 25 years × 12 months = 108,000 yuan, then in addition to the previous 1,200 yuan you can get every month 108,000 ÷ 120 = 900 yuan, so you can get at least 1,200 + 900 = 2,100 yuan per month from age 55, of course, every year the base of the country is still rising, so that every year, in addition to your 900 yuan, you Retirement will get more than 1200 dollars a month after the money, that your pension will of course more and more so that the more you pay pension insurance, the better, the more you pay the more you enjoy after retirement, but also, the state adjusts the base every year after you get more and more money, now pay 1000 ten years later to get 1500 are possible here to introduce a perverted policy, that is, no matter where you pay social security premiums, you can get 1200 + 900 = 2100 yuan of pension. 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 be a big loss, why is that? Let me 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 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 can not, 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 money in the business that maybe you will say, if my account in the Nanjing, then I paid 20 years in Heilongjiang is not good, in the base of the low place to pay money, when retired 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! You'll be smart but not smart enough: you can't get it in Heilongjiang, and you can't get it in Nanjing either! However, some places have some moderating provisions for such a situation, for example, Nanjing allows you to transfer back to Nanjing from a place with a low base for 5 years before retirement, and then continue to pay the high base in Nanjing for another 5 years, after which it allows you to return to Nanjing to enjoy the pension. This policy is expected to vary from place to place, in the future intend to transfer the students had better go to your local labor bureau now to clarify this issue, lest you retire when the unexpected accidents! The following medical insurance this insurance national policy is quite good, it is important to hospitalization reimbursement of a lot of said before the unit to pay for your monthly medical insurance is 9%, you pay for your personal monthly medical insurance is about 2% plus 10 yuan of the general medical co-ordination, the general medical co-ordination does not care about anything else only care about your hospitalization, and that 11% of the state will be in your health insurance account each month to play 2% of your own if you Every month in accordance with the minimum base of 1189 yuan to pay 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 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 start in January 2007 to pay the medical insurance, then from February 2007 You can buy drugs or outpatient clinic from the card, from July 2007 onwards you can be reimbursed for the cost of hospitalization, the report is quite complex, for example: if you are hospitalized on August 1, 2007, live in Nanjing's best three hospitals, hospitalization with the medicine covered by health insurance, surgery + hospitalization and other costs of 5,000 yuan, then reimbursement of the time of the medical insurance center First deduct 1,000 yuan, which is the starting price, the remaining 4,000 yuan health insurance center can be reimbursed 4,000 × 86% = 3,440 yuan, you only need to pay 4,000 × 14% = 560 yuan on it, plus the previous 1,000 yuan starting price, you spent 5,000 yuan on their own as long as to pay 1,560 yuan on it, and this 1,560 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 health insurance for our young people than the pension insurance is much more important, after all, hospitalization is really too damn expensive, which is also to participate in the most important significance of social insurance where However, Nanjing City, the medical insurance must be paid for a period of 25 years in order to retire after a lifetime of enjoyment, so if you retire at the age of 55, then at the latest age of 30 years old, you must Started to pay the medical insurance below to say that the workers' compensation insurance this insurance practice is generally used less, I do not have much contact, need to remind everyone is that you if you are at work or commuting to and from work when something happens, this insurance will be useful but in practice many people do not pay attention to save evidence, resulting in their own inability to enjoy the workers' compensation insurance, which is very unfortunate if you are off duty when hit by a car, then you Should quickly call the police, so that the police to investigate the record and take pictures to collect evidence, the police will give you an accident after processing what the certificate of appreciation and so on, you can take this to the unit to ask for the report of work injuries if you have an accident and just let people run away and do not look for witnesses do not report to the police and so on, that is no evidence of the case will not generally be adopted as a work-related injuries work injuries there is also a statute of limitations, if you are July 1, 2007 out of work injuries, you will not be able to enjoy the work injury insurance, this is a pity. July 1, 2007 out of the work injury, then you must immediately report to the unit, the evidence issued by the police and the accident certificate and you out of the work injury to see a doctor or hospitalized after the 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 2007 before the August 1, your valid materials to the work injury identification center, if you out of the day of the injury for more than a month, then the work injury may be Identification of the work injury may not be up. 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 to say the following about maternity insurance this is also an example to illustrate well, if you are a woman, the monthly salary of 1,000 yuan, January 1, 2007 began to pay maternity insurance, the contribution base of 1,189, and you are March 2007 pregnancy, the end of December 2007, the birth of a child, the birth of a child. At the end of December 2007, you gave birth to a child, in January 2008, then you have to quickly after the discharge of the marriage certificate (unmarried children can not be reimbursed) + only child certificate (generally speaking, the birth of two children can not be reimbursed) + medical records + build a large and small card examination and hospitalization and surgical costs of all the invoices + hospitalization lists + hospitalization summary of these all the materials to the company, if you are pregnant with the examination of the cost of $ 500, the hospitalization and surgery cost of $ 500, the hospitalization and surgery cost of $ 500, the hospitalization and surgery cost of the child's life, the hospitalization and surgery cost of the child's life, the hospitalization and surgery cost of the child's life. If you spend 500 yuan for examination when you are pregnant, and 2000 yuan for hospitalization and surgery when you give birth to a child, generally speaking, the company can basically reimburse you for all within the scope of the health insurance regulations, reimbursement of money to you include: 500 yuan examination fees + 2000 yuan hospitalization and surgery + 1189 yuan / month × 4 months = 7256 yuan, 1189 yuan / month × 4 months this is the health insurance center special subsidies for reimbursement of the girls, only the girls claimed! The state requires that girls reimbursement of maternity insurance must be given 4 months of average salary, so you have a child reimbursement not only do not spend money but also can earn 4 months of salary! If you pay a higher base than the salary, such as taking 1000 yuan to pay is 1189, then you also earned it maternity insurance at least one year to pay to enjoy, remember to remember In addition, there is a problem, the boys also pay maternity insurance ah ~ so can the boys enjoy maternity insurance? If you are a man, your wife does not work or work unit does not pay insurance, and she gave birth to a child when you pay maternity insurance has been more than a year, then you can also reimbursement of maternity insurance Oh, but in the previous example, for example, you can only reimburse the 500 yuan examination fee + 2000 yuan hospitalization surgery fee half = 1250 yuan, subsidies of 1189 yuan / month × 4 months of salary you can not enjoy! This is only when the girl reimbursement can enjoy Oh ~ the same cost, the girl reimbursement will be able to get 7256 yuan, the boy reimbursement can only get 1250 yuan, this is probably one of China's rare "discrimination against men" policy said -- + So, the girl to have a child before the best plan, a year in advance to start finding a unit of payment! Maternity insurance, you can earn it! And if a guy wants to marry a wife, he'd better marry a girl who has already paid a year's maternity insurance when she gave birth to a child, and the base amount of payment 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 subsidize the 4 months of salary to take, and the cost of the newspaper 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 maximum of 24 months. For example: if you start paying insurance on January 1, 2007, January 2008, you were dismissed by the company, then you can let the company to give you 2 months of unemployment insurance, if the year you are to 1189 of the base payment of insurance, then you can get at least 2 months more than 800 yuan or you start paying insurance on January 1, 2007, January 2008, you and the company's contract expires! You do not want to renew the contract, 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, the expiration of the contract or the company dismissed, you can be in accordance with a year to get 2 months of the proportion of the unemployment benefits to ask the company to give you, if the company does not give you can go to the lawsuit, a lawsuit a quasi. But if you are not the expiration of the contract to resign and go, then even if you pay the full 1 year can not 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. Housing Provident Fund is a good thing ah so to speak, if you pay 200 dollars a month for the provident fund, then the company every month to your account to play 200 dollars, you buy a house when this is 400 dollars, if you pay 50,000 for a lifetime, then your account is 100,000, this kind of good thing we must not refuse ah. 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 builds a house money can also be paid from the 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 it [advanced chapter] the supplemental instructions [5KB] to say and Nanjing is different from the place it, Mordor is not allowed to do not pay the medical insurance, that is to say, the social security center this piece including pension, medical, unemployment, labor and employment. The center of this piece including old age medical unemployment injury maternity together to ask the enterprise to collect, but the provident fund can be paid can not be paid, because it is under the jurisdiction of the provident fund center specific social security composition ratio for: pension insurance: unit each month for you to pay 22%, you pay 8%; medical insurance: unit each month for you to pay 12%, you pay 2%; unemployment insurance: unit each month for you to pay 2%, you pay 2%, you pay 1%; industrial injury insurance: unit each month for you to pay 0.5%, you do not pay a penny; maternity insurance: unit each month for you to pay 0.5%, you do not pay a penny; housing provident fund: unit each month for you to pay 7%, you pay 7% of supplemental housing provident fund: unit each month for you to pay 8%, you pay 8% (this is only general) (This is only a very good efficiency of the state-owned enterprises will have, and the proportion of the company's own decision, the general company to pay a provident fund even if it is very moral) Another thing to say is that the relationship between social security and the individual transfer tax in the payment of the individual transfer tax, it is a personal deduction that part of the deduction and then calculate the taxable base, but there is a point to note, provident fund and supplementary provident fund more than 12% of the portion of the part (personal and business contributions) also need to be counted in the taxable base. base such as the above mentioned provident fund 7%, 8% of the supplementary provident fund, adding up to 15%, then the individual deductions that 3% of the part to be counted in the taxable amount, at the same time, the enterprise's that 3%, although not deducted from the individual's salary, but still have to be counted in the taxable base, that is to say, the individual has to be for the cost of this fee for the individual transfer of the tax to pay the bill. Medical insurance use of this piece, around the way for the transfer of personal accounts in different ways love to say is the Nanjing kind of monthly transfer into the way, there are a lot of places is the transfer of the year specifically, 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 change the base is also determined in early to mid-April. 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 individual health insurance card account, but then there is a problem, April 1, when the social security base for the year has not yet been established, the health insurance bureau can only be in accordance with the previous year's base to the projected individual health insurance premiums for the current year, then the difference between the how it is? That is, on April 1 of the second year to make up for the undercounting or deduction of more than given may be so large paragraph will seem to feel very troublesome, then we give an example of someone's average monthly income of 5,000 yuan in 2004, the average monthly income of 4,000 yuan in 2005, the income of 6,000 yuan in 2006 health care bureau in April 1, 2006 to the personal account into the amount of the social security center has not yet been approved 2006 contribution base (that is, the average monthly income in 2005), so the medical insurance bureau is still in accordance with the 2005 contribution base (that is, the average monthly income in 2004) to calculate the amount of personal accounts for the whole year, that is, 5000 * 2% * 12 = 1200, but in fact, the amount of this person's personal account for the year should be 4000 * 2% * 12 = 960, then This extra $240 will be deducted on April 1, 2007 At the same time on April 1, 2007 into the account of the new year's individual gold is still 960 yuan (actually should be 6000 * 2% * 12 = 1440 yuan), the underpayment of 480 yuan, will be made up on April 1, 2008 back. So because most people's contribution base is different each year, almost everyone's account totals in March and the amount they see in their calendar year accounts in April are different each year, 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 immediately report to the unit, the evidence issued by the police and the accident identification certificate and your work-related injuries 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-related injuries, your unit must be in the August 1, 2007, before the validity of the materials sent to the Work Injury Appraisal Center, if the distance from the day of your out of If the day of your injury is more than one month, the injury may not be identified. If you do not go to the unit to identify you, 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 to add this point, there are two ways to declare the injury, one is the unit to declare, and the same as the above love to say, 30 days, and one is an individual to declare, a year is valid, but due to the injury or for other reasons, the longer the evidence will be insufficient, the individual to declare. Personal declaration will also delay a lot of time and energy because you don't know the process. Maternity insurance, miscarriage, difficult labor, multiple births, premature births, you can look at the following link, although it is Shanghai's policy, but there are similarities around. Shanghai and Nanjing policy may be different, the company absolutely does not care about this aspect of the reimbursement, are directly linked by the medical insurance and pregnant women in the maternity checkups during the birth of the hospitalization period, the medical insurance within the scope of the medical insurance co-ordination are medical insurance co-ordination payment, of course, out-of-pocket expenses of the project (such as advanced wards, out-of-pocket expenses, medicines, etc.) or to bear the burden themselves. After the birth of a child, they go to the health insurance bureau to apply for maternity benefits, the health insurance bureau to give 3,000 yuan to the social security piece, and then give three months of the contribution base income late childbearing plus half a month, multiple births, more than one plus half a month if the previous year's average monthly income is greater than the upper limit of the social security contribution base, then the social security will only pay the contribution base that part of the rest of the company pay for example, the previous year's average monthly income is 10,000, the social security base of the company to pay the rest. For example, if someone's average monthly wage income in the previous year was 10,000, and the social security base is capped at 7,392, then the monthly income given by the social security is 7,392, and the rest of the 10,000 - 7,392 = 2,608 is paid by the organization. (Although I think that this situation, in the cloud of all of you are not too easy to come across =. =.) In fact, the key place there are two points: 1, before giving birth to a full year of contributions 2, social security contributions to the base normal declaration so that students, especially female students, do not feel that the company declared to you the base of the high and low does not matter, and even for the base of the low some of their own wages to the hands of the high and celebrate, to this time on the problem to see it! This is why 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 before jumping ship, a small place does not like unmarried unmet female employees, and secondly, maternity insurance is also a large amount of income supplement. For example, a person's normal salary of 3,000, but the social security base declaration counts her year-end awards and other bonuses, then the average monthly income may reach 5,000, this time to give birth to a child in a few months to take is January 5,000 income. If you have not been using this money, and finally retired when it seems to be able to take all the money out of it is not seemingly, is absolutely can! And CPF loans have much lower interest rates than commercial loans, which 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"