How much do I have to pay for the social security card every month?

How much do I have to pay for my social security card every month? The practice of five insurances and one gold may be different in different regions. In fact, students who don't have a job but have income, or students who have a unit but don't pay social security can also pay social security themselves. You may not have noticed that every province and city will issue the "minimum payment base of social insurance" at the beginning of July every year. You don't have to pay any money yourself ... If you want to know more about how much you have to pay to the social security card every month, follow me and have a look.

How much do I have to pay for the social security card every month?

The practice of the above five insurances and one gold in different regions may be different. In fact, students who don't have a job but have income, or students who have a unit but don't pay social security can also pay social security themselves?

You may not have noticed that every province and city issues the "Minimum Payment Base of Social Insurance" at the beginning of July every year. You don't have to pay any money yourself, but employees have to pay at least1189×19%+10 = 236 yuan every month. Please deduct the social security fee according to the standard of 3000 yuan. " Then the Labor Bureau will deduct your company and your money based on 3000 yuan, and then pay it to your social security account. At this time, your company will pay 3000×4 1 for you every month, that is to say, if you pay 190 yuan's social security for you every month, your company will credit 465438 into your social security account.

Therefore, in the case that you can't see it, some units only pay five risks without paying the provident fund, so you must find out what risks your unit has paid you and whether you have paid the provident fund. Anyway, if your salary is below 1 189 yuan per month, even commercial insurance will be adjusted and returned, and individuals cannot pay the provident fund.

The composition and proportion of social security are introduced above. What is the base of social insurance payment?

Just now, the students already know that the social security ratio paid by the company every month is almost 4 13: 190, unless your salary is higher than the maximum base. If you take 10000 a month, the maximum base is 8000, 3% = 49 1 yuan! So in fact, you have suffered a big loss, and your company may not give you all the five insurances and one gold. For example, some units in Nanjing don't pay medical insurance for employees, but only pay the remaining four insurances and one gold, because you think that the money deducted from you is less, but in fact you get more money.

No! If so, then your company is shameless. Don't feel bad when you pay social security every month ~ you know that the company pays much more than you. This is the lowest radix, and there is a highest radix above 1 189, 1 189. The highest base in Nanjing this year seems to be more than 8,000, with five insurances and one gold paid from your company.

In addition to the unit can give you social security, the first thing that hurts is the unit-

Yaya ~ Back to three insurances and one gold and five insurances and one gold, you pay 8% yourself.

Above, in this way, the company should pay 2 1%+9%+2%+0.5% for your social security every month, but when they declare your base in the labor bureau, they will not report it according to your actual salary. For example, when you take 3000 yuan every month and the company goes to the labor bureau to pay insurance for you (the social security fees paid by your company and you are deducted by the labor bureau ~)

Your monthly social security payment should be 8%+2%+10+1%+8% =19%+10.

The paid 10 Yuan You is temporarily removed, and the unit contribution ratio and your contribution ratio should be 413;

Unemployment insurance: the company pays 2% for you every month, and you pay it yourself 1%: the company pays 0.8% for you every month. In the medical field, the advantages of social insurance are very prominent.

The standard of social insurance is constantly improving every year. The company must pay you 1 189 yuan +089 × 4 1.3% = 49 1 yuan, and you must pay at least 1 18 every month. This is the significance of taking 1 189 as the minimum payment base of social security: even if you take 1000 or 800 yuan a month, you have to pay the minimum 1 189, but individuals can only pay endowment insurance+medical insurance?

Please note that the state will adjust the social security base according to the basic salary of employees at the beginning of July every year, and the adjustment ratio is still very high, generally increasing by more than 10% every year, which means that the more money you get in the future, the biggest advantage of this is that it can eliminate the impact of inflation to a relatively small extent, but it will not rise faster than the overall social insurance.

In short, those students who have not yet participated in social insurance, please join social insurance as soon as possible! Because the company pays twice as much as you, the less you pay, the less they pay! Regular companies will only report to the labor bureau according to your actual salary and then deduct the money. Everyone should realize that social insurance is better than commercial insurance for the following reasons:

1. Social insurance is a national welfare security undertaking that is not for profit! Only those cheap companies will pay you according to the minimum standard no matter how high your salary is! ;

Work-related injury insurance: the unit pays you 0 every month, and the social security fee paid by the unit is actually more than twice that of you! Don't think that the less you deduct from your social security fee every month, the better! ! Maybe you have been shamelessly bullied by the company and you have no idea! When they go to the Labor Bureau, they may say that you only get 1 189 yuan, some people get 10000 yuan a month, and some people can get10000 yuan a month. How is the social security fee determined? Those students who have participated in commercial insurance but not social insurance should also participate in social insurance as soon as possible.

So, how is social insurance specifically constituted? This involves the composition and proportion of social insurance. Every province and city has its own standards, so it is different, so the social insurance premium that you and your unit should pay every month will come out.

But now there are new problems, and the wages of employees in Nanjing are very different! )

The specific social security composition ratio is:

Endowment insurance, but generally not too much difference, take my Nanjing as an example:

Social insurance = endowment insurance+medical insurance+unemployment insurance+industrial injury insurance+maternity insurance+housing accumulation fund.

(Note: What is the relationship between your monthly social security contributions and this ratio? What does this mean? It means that as long as Nanjing is a regular company that pays social security for employees, the minimum amount of money you pay for each employee every month is1189× 41.3% = 491yuan: the company pays 265438 for you every month.

Here, I want to expose the shameless practices of some companies. These companies may give you thousands of wages every month. This base is calculated and determined according to the average salary of employees+benefits+various subsidies in the previous year?

Now students go out to look for a job, and they often hear that the unit pays three insurances and one gold or five insurances and one gold; If your salary is above 1 189 yuan, you should pay .3% =1239 yuan according to your actual salary every month, and you should pay 3000× 19%+ 10=580 yuan every month.

That is to say, if your salary is below 1 189 yuan, then you should pay according to 1 189 every month! If calculated according to your actual salary of 3,000 yuan, they should pay you 3000×4 1.3% = 1239 yuan per month, while if calculated according to 1 189×4638, they will only pay you/kloc-0 per month.

Housing accumulation fund:190;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan serious illness co-ordination (serious illness co-ordination mainly covers hospitalization). I forgot the specific .5%, you don't have to pay for it yourself;

Maternity insurance, didn't you say that taking 1000 is the same as taking 10000, and then the labor bureau will only deduct you1189×19%+10 = 236 yuan every month? I'm afraid you are still very happy. Nanjing announced the lowest price in July this year. In fact, the three insurances and one gold mentioned in the Jianghu are completely equal to five insurances and one gold, but the three insurances and one gold come from your personal insurance (pension+medical care+unemployment+provident fund), so now there is another problem!

But if your salary is higher than 1 189, for example, you earn 3000 yuan a month! !

It's simple to determine the base number paid by the company for you: 300 yuan social security is deducted every month, and your base number is almost 300÷ 19%≈ 1578 yuan. See if your salary is this amount. If your salary is significantly higher than 1578, for example, you actually get 3000 or 4000 a month. After being bullied, you can go to the local labor inspection brigade to sue your company. Generally speaking, you can tell the truth when you sue, but you'd better find evidence (such as salary slips) before you sue, otherwise you won't be able to mix up in the company after you sue-+

Explain again that the proportion of social security varies from place to place. If you are not in Nanjing, your contribution rate is probably not 19%, but it will certainly not be too bad. For example, your base number may be 20% or 22%, but it will never be 30% or 40%! So although 19% is the proportion of Nanjing, students from other places can also use it to calculate their own base.