Guangzhou five insurances and one gold payment

I. Base and proportion of social security contributions in Guangzhou (I) Proportion of social security contributions Pension insurance: unit, 65,438+02%; Individuals, 8%; Medical insurance: unit, 8%; Individuals, 2%; And critical illness insurance, 12.45 yuan/month; Unemployment insurance: unit,1.5%; Individuals, 0.5%. Individuals don't have to pay (2) The social security payment base starts from 20 17 1, and the social insurance benefits and related payment standards are calculated based on the average monthly salary of employees in the province in 20 17. In 20 17 years, the average monthly salary of employees in the province was 42 15 yuan; The average monthly salary of Guangzhou employees in 20 17 years is 53 13 yuan, and the upper and lower limits of social insurance premium payment base in 20 17 years are adjusted from 20 1 July/7 years. After adjustment, the upper limit of the basic old-age insurance payment base for urban workers is adjusted from 1 1289 yuan to 12645 yuan; The lower limit is adjusted from 2258 yuan to 2529 yuan. The payment base for urban individual industrial and commercial households and flexible employees to participate in endowment insurance can be within the range of 60% to 300% of the average monthly salary of employees in the province last year, according to their actual income and economic affordability. After the payment base is selected, it will remain unchanged in the same social security year. The upper limits of basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance for urban workers were adjusted from 14367 yuan to 15939 yuan. The lower limit of the basic medical insurance and maternity insurance for urban workers was adjusted from 2,873 yuan to 3 188 yuan. The minimum payment base of work-related injury insurance and unemployment insurance is the monthly minimum wage of employees of enterprises in Guangzhou, that is, 1.550 yuan. The payment base for urban flexible employees to participate in medical insurance is the average monthly salary of employees in Guangzhou last year, that is, 53 13 yuan. Two. The deposit base and proportion of Guangzhou housing provident fund are 1. The proportion of housing provident fund is the same as that of the employee himself and his unit, and the supplementary housing provident fund is the same. That is, the housing provident fund deposit ratio is still 7% each; The proportion of supplementary housing provident fund deposit is still 1% to 8% respectively, and the specific proportion is determined by each unit according to the actual situation. Units that have real difficulties in depositing housing provident fund may apply for reducing the deposit ratio (the deposit ratio of employees and units shall not be lower than the prescribed minimum deposit ratio, taking a positive integer) or holdover housing provident fund, and then increase the deposit ratio or repay the holdover amount after the economic benefit of the unit improves. 2. The deposit base of housing provident fund has been adjusted from the average monthly salary to the average monthly salary since July 1. Employees who have joined the work since June 65438+ 10 1 shall take the monthly salary income of employees in the second month or the average monthly salary actually paid since they joined the work as the deposit base of housing provident fund. Workers newly transferred from June+10/October 1 June 65438 shall take the monthly salary paid after transfer or the actual average monthly salary paid as the base of their housing accumulation fund. 3. The upper limit and lower limit of the monthly deposit of housing provident fund. The upper limit of the monthly deposit of housing provident fund is 1.970 yuan, and the upper limit of the monthly deposit of urban individual industrial and commercial households and their employees and freelancers is 3,378 yuan. According to the deposit ratio of 7% of employees and units, the minimum monthly deposit of housing provident fund is 204 yuan. The lower limit of the monthly deposit of housing provident fund for urban individual industrial and commercial households and their employees and freelancers shall be implemented with reference to this standard. The payment ratio of five insurances and one gold in Guangzhou is lower than the law. But one thing is the same. Individuals need neither maternity insurance nor industrial injury insurance.

Legal objectivity:

Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity. Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.