How much is the amount of money to pay for a month how much is the amount of money to pay for a month?

First of all, we should realize that the social insurance is a better insurance than the commercial insurance, the reasons are as follows:

1. Social insurance is the state does not carry out for profit the welfare of all the people to carry out the cause of protection, while the commercial insurance is to be profit-making, in general, the commercial insurance charges than the same specifications of the social insurance to be a lot higher Oh

2. The protection of aspects than the general commercial insurance to be more, commercial insurance is generally only insured medical or pension, social insurance can generally be insured at the same time five insurance, and in the medical piece, the advantages of social insurance is very prominent

3. Social insurance standards are constantly rising every year, the state will be in accordance with the basic salary of the workers at the beginning of July each year for social security base adjustments, and adjust the proportion is also very high, the general increase of 10% or more per year, the social security system will be adjusted in accordance with the basic salary of the workers. Generally higher than 10% per year, that is, the more money after the higher, the biggest advantage of doing so is that the impact of inflation can be eliminated to a relatively small, and commercial insurance, even if it will also be adjusted to return, but the overall will not be faster than the social insurance said

In a word, now did not participate in the social insurance has been the work of the students speed to participate in the social insurance, has been to participate in the commercial insurance but did not participate in the social insurance has been working students, but not to participate in the social insurance, but also to participate in the social insurance.

So, how does social insurance work?

Now students go out to look for work will often hear the unit to pay three insurance or five insurance, yes, that is to say that the unit is willing to pay for your social insurance, but according to the state regulations the unit to pay part of the same time you have to pay a part of the individual, which involves the composition of the composition of the social insurance and composition of the proportion of the problem, which is not the same as the standard of each province and city, but the general is not much different from the standard of each province and city, but it is not the same as the standard of each province and city. Roughly not too much difference, in my city of Nanjing, for example:

Social insurance = pension insurance + medical insurance + unemployment insurance + industrial injury insurance + maternity insurance + housing fund

(Note: the above five insurance may be different in various areas of practice, your unit may not be the five insurance for you to pay all the money, for example, Nanjing, some units do not pay the staff and only pay the other four) Medical insurance and only pay the rest of the four insurance, some units do not pay the provident fund and only pay five insurance, so you must find out what your unit in the end to you to pay what insurance and whether to pay the provident fund!)

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 of the hospitalization of the main);

Unemployment insurance: unit each month for you to pay 2%, you pay 1%

Worker's compensation insurance: the unit pays 0.5% per month for you, you do not pay a penny;

Maternity insurance: the unit pays 0.8% per month for you, you do not pay a penny;

Housing fund: the unit pays 8% per month for you, you pay 8%

Above all, so that it comes down to

Housing Provident Fund: the unit pays 8% for you every month, and you pay 8% for yourself

Above that, the proportion of social security paid by the unit for you every month should be 21% + 9% + 2% + 0.5% + 0.8% + 8% = 41.3%

Your own proportion of social security paid by the unit for you every month should be 8% + 2% + 10 bucks +1% + 8% = 19% + 10 bucks

Temporarily, the unit pays the proportion of social security paid by the unit and the proportion of your payment is 413:19%. should be 413:190, that is to say, if you pay 190 dollars a month for their own social security, then the unit will be your social security account into 413 dollars, every month your social security account on the increase of money should be 413 + 190 = 603 dollars

So that in the case you can not see, the unit to pay the social security costs is actually more than twice as much as you, so you Every month when you pay the social security fee don't heartache ah ~ you have to know the unit than you pay a lot more it, heartache is actually the unit - +

Yeah ah ~ words back to that three insurance a gold and five insurance a gold, here we should have seen, in fact, the jianghu on the three insurance a gold is completely equal to the five insurance a gold, just three insurance a gold is from the insurance you personally pay (old age + medical + unemployment + provident fund) to say. Provident Fund), five insurance a gold from your unit to pay the insurance (old age + medical + unemployment + industrial 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 students or have a unit but the unit does not pay social security students can also pay for their own social security, but the individual can only pay the pension insurance + medical insurance, work injury ah maternity ah unemployed ah provident fund ah you can not pay up

The above introduction of the composition and composition of the proportion of the social security, the above is a good example of a social security system. The composition of the social security and the composition of the ratio, the following should be introduced to what is the social insurance payment base

Just now the students already know the ratio of social security paid by the unit each month and the ratio of your payment 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 after the determination of the Nanjing July this year, the minimum base is announced! 1189 yuan, this is what it means, meaning that Nanjing as long as the formal social security units for employees to pay, each 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 pay the monthly social security premiums came out

But now there is a new 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 contributions?

Please note that this 1189 is the minimum 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 on the labor bureau to say: "ah ah, a comrade on our side to get 3,000 a month, according to 3,000 yuan of the standard deduction. Please deduct the social security premium at the rate 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 the company will pay you a lot of money, but it is not enough for you to pay. Thousands of wages, but they go to the labor bureau to declare your base when not in accordance with your actual salary to report, for example, if you take 3,000 yuan per month, they go to the labor bureau may say that you only take 1,189 yuan, and then the labor bureau only deducted 1,189 × 19% + 10 = 236 yuan per month, you are afraid that you are also happy very much, because you feel that the deduction of your money is less, you actually get your hands on a lot of money

What is wrong with this? p>

Wrong! If this is the case, your company is shameless! Because the company's contribution is more than twice as much as yours, so the less you pay, the less they pay! If according to your actual salary of 3000 to calculate, they should pay you 3000 × 41.3% = 1239 yuan of social security contributions per month, and according to the 1189 to calculate, they only pay 1189 × 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 no matter how high your salary is! 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 completely unaware!!!!

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 3,000 or 4,000, then certainly you have been bullied by the company to the company, to be bullied. After the bullying you can go to the local labor inspection brigade to sue your unit, generally a quasi, but it is best to leave the evidence (such as pay stubs, etc.) to find a good and then sued, or you sued after the company generally do not mix - +

To once again explain is that the composition of social security ratios of the various localities are not the same, if you're not in Nanjing, then the percentage of your contribution is probably not 19%, but certainly not too much, but the difference is not too much. But it's certainly not too much different, for example, 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

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En, now you know how much you should pay social security premiums every month, but these social security premiums are specifically What is the situation and how to use it?

It has already been said that social insurance = pension insurance + medical insurance + work injury insurance + maternity insurance + unemployment insurance + housing fund

First of all, let's talk about the pension insurance

This insurance generally have to pay the full 15 years to the retirement time to enjoy the pension for the rest of your life, so you want to get the pension students be sure to start the pension 15 years before you retire, and then you will have to start the insurance before the retirement. The first 15 years before retirement, this is outside of Nanjing is almost the same rules

If you to the retirement age to pay the pension insurance less than 15 years, then wait until your retirement time the state will be your personal account on the deposit of 8% of the pension all refunded to you

Then you will ask, the unit to pay you 21% to go where?

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 21% of the money all the money to the national pension fund, from this money and you no longer have to do

You may say: Holy shit! That is my money why not give me

Because the state is so stipulated -- +

Return of money only 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 -- +

The following we look at the time of your retirement pension is how to calculate

The algorithm of the pension is very complex because the state each year will be the base of contributions to the pension fund, the state will be the first to pay the pension fund, the state will be the base of contributions to the fund. The state will change the contribution base once a year, 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 paying the pension insurance before you are 40 years old, and if you are now from the age of 30 years old 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 paid 3,000 yuan of the contribution base has become 6,000 yuan (I said if), then you are 55 years old, first of all, you can get 6,000 × 20% = 1,200 yuan per month of the basic pension, which is the state to you, in addition to your personal account on the money in the 25 years has accumulated a lot of contributions to the base of the average of the good, (3,000 + 6,000) ÷ 2 = 4500 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 108,000 ÷ 120 = 900 yuan per month, so you can get at least 1,200 + 900 = 2,100 yuan per month at 55 years of age. Pension, of course, every year the state base 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 enjoy more after retirement, but also, the state adjusts the base every year after you get the money will be more and more, now pay 1,000 yuan. More and more, now pay 1000 ten years later to get 1500 are possible

Here to introduce a ** policy, that is, no matter where you pay social security premiums, when you retire you can only go back to your hukou location to enjoy the local retirement treatment, so look at the base of the place to pay the social security but retire back to the base of the place to enjoy the low pensioners that lose a lot of money, why is this so, the base of the place to pay social security but retire back to the base of the place to enjoy the pensions. Why do you say that? Let me give you an example, if you work in Nanjing when you are young, paid 20 years of social security and then retired, but if your hukou 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 there is no way, 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 business

Then perhaps you will say

If my account in Nanjing, then I in Heilongjiang to pay 20 years is not good, in the base of the low payment, retirement back to the base of the high place to enjoy high benefits. Wrong! 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 rest of the 9% of the state will be taken to calculate the health care fund

According to the provisions of the Nanjing, if you are not able to pay the medical insurance, you will have to pay the medical insurance account. You pay medical insurance from January 2007, then from February 2007 you can buy drugs or outpatient clinic, from July 2007 you can be reimbursed for hospitalization costs, reported quite complex, for example, said:

If you were hospitalized on August 1, 2007, live in the best third-class hospitals in Nanjing, hospitalization with all the medical insurance coverage The medicine, surgery + hospitalization and other costs a *** spent 5,000 yuan, then the reimbursement of the health insurance center first deducted 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 can be, plus the previous 1,000 yuan starting price, you spent 5,000 yuan of your own As long as you 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 damned expensive, which is to participate in the social security of the most important significance of the place

But Nanjing city regulations must be paid to the medical insurance, but the city of Nanjing must be paid to the medical insurance. However, the Nanjing municipal regulations medical insurance must be paid for 25 years in order to enjoy a lifetime after retirement, so if you retire at 55 years old, then at the latest 30 years of age, you must start to pay the medical insurance

The following talk about workplace 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 work or commute to and from the office when the time to go out of something, this insurance will be used.

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 will give you an accident after the processing of the appraisal of the certificate and so on, you can Take this to the unit asked to report work injuries

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, there is no evidence of the case will not generally be adopted as a work injury

Work injuries there is also a statute of limitations problem, if you have a work injury on July 1, 2007, you must immediately report the unit to the police and the evidence issued by the police, and the certificate of the accident as well as the evidence of the accident and the police and you out of the work injury after the visit to the hospital or hospitalization. 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 August 1, 2007, before your valid materials sent to the Work Injury Appraisal Center, if the day from your work-related injuries more than one month, the injury may not be identified up. If your unit does not give you 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

The following maternity insurance

Ah, this is also an example of a good, if you are a woman, the monthly salary of 1,000 yuan, January 1, 2007 to pay the beginning of the maternity insurance, the base of the payment of 1189, and your March 2007, you have to pay the maternity insurance, and you have to pay the maternity insurance, and you have to pay the maternity insurance. And you are pregnant in March 2007, at the end of December 2007 gave birth to a child, in January 2008 discharged from the hospital, then you are discharged from the hospital to quickly after the marriage certificate (not reimbursed for children born out of wedlock) + only child certificate (generally speaking, the reimbursement of the birth of two children can not be) + 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 submitted to the company, if you When pregnant checkups spent 500 yuan, when giving birth to a child hospitalization + surgery spent 2,000 yuan, in general, the company in the health insurance regulations can basically reimburse you for all the reimbursement, reimbursement of money to you include: 500 yuan checkups + 2,000 hospitalization and surgery + 1189 yuan / month × 4 months = 7,256 yuan, 1,189 yuan / month × 4 months, which is the health insurance center special for the reimbursement of the The girl's subsidy, only the girl's reimbursement can get

The state regulation of the girl's reimbursement of maternity insurance must be given to the 4 months of the average salary, so you give birth to a child reimbursement not only do not spend money but also can earn 4 months of salary!

If you pay more than your salary, for example, if you pay 1,000 yuan for 1,189 yuan, then you have earned it

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

And there is also the question of whether a man who pays for maternity insurance is entitled to it.

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 reimbursement of maternity insurance Oh, but in the case of the previous example, you can only reimbursement of 500 yuan of examination fees + 2000 yuan of half of the hospitalization surgical fee = 1250 yuan, subsidies of 1,189 yuan / month x 4 months of salary you You won't be able to enjoy it! The first thing you need to do is to start paying for maternity insurance a year in advance, so you can earn money.

And if a guy wants to marry a wife, he'd better marry a girl who has already paid a year's worth of maternity insurance when she has a baby, and who pays a higher base amount 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 report you can only get back half -- +

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Unemployment insurance, this is also required to pay a full year's salary, and the base of the payment is higher than her own salary. This also requires you to have paid for a full year in order to be eligible, usually 2 months for 1 year, 4 months for 2 years, but a maximum of 24 months for a lifetime. 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 to 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 start to pay insurance on January 1, 2007, January 2008 you and the contract with the company to pay the insurance. 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 the proportion of a year to get 2 months of unemployment benefits to ask the company to give you to do it, if the company does not give you to do it, you can go to the lawsuit it, a lawsuit! A quasi --+

But if you are not the expiration of the contract to resign to go, then even if you pay a full year can not enjoy the unemployment insurance

As long as the resignation of their own, 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 --+

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Ah ah, housing provident fund is a good thing ah ~

Said so, 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 the rest of your life, then your account is 100,000, such a good thing we all know that you can't get any money from your account. The good thing is that we must not refuse ah ~

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