What is the payment ratio of five insurances and one gold in Luohe?

Payment ratio of five insurances and one gold in Luohe: payment ratio of endowment insurance: unit 19%, individual 8%. Proportion of medical insurance payment: 9.5% for the unit and 2% for the individual+large medical expenses in 5 yuan. Unemployment insurance payment ratio: 0.5% for the unit and 0.5% for the individual; Work-related injury insurance payment ratio: the unit pays 0.9%; The contribution ratio of provident fund: 5%- 12%, which can be decided and adjusted by the employer. Individuals and employers make equal contributions 1: 1.

This paper introduces the payment proportion, payment method and handling conditions of Luohe five insurances and one gold. Among the five insurances and one gold, the old-age insurance, medical insurance, unemployment insurance and housing accumulation fund are jointly borne by the employer and employees, while the employer is fully responsible for the work-related injury insurance and maternity insurance of employees, and employees are not required to pay. China stipulates that employers must pay social insurance for workers, but the provident fund does not belong to the category of social insurance, so it is not mandatory.

First, the minimum payment standard of Luohe social security individuals and units and the payment ratio of five insurances and one gold.

1, Henan five insurance and one gold ratio social security.

Endowment insurance: the unit pays 20% and the individual pays 8%;

Medical insurance: the unit pays 8% and the individual pays 2%;

Unemployment insurance: the unit pays 2% and the individual pays1%;

Industrial injury insurance: the unit pays 1%, and the individual does not pay.

Maternity insurance: the unit pays 1%, and the individual does not pay.

2, Henan five insurance and one gold provident fund payment ratio

The proportion of workers and units housing provident fund deposit, according to the provisions of the Zhengzhou Municipal People's government. It is understood that the deposit ratio of housing provident fund is as follows:

The deposit ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year, and the maximum shall not exceed 12% of the average monthly salary of employees in the previous year.

Statistics from the Bureau of Statistics show that the average annual salary of employees in non-private enterprises in the city is 44,622 yuan. If the average annual salary of employees in non-private units in 20 13 reaches or exceeds the average annual salary level (44,622 yuan), the contribution ratio shall not be lower than 10% (that is, 37 1.85 yuan, 44,622+08). If it reaches 80% of the average salary of the year (35,698 yuan), the deposit ratio shall not be less than 8% (that is, 237.99 yuan, 35,69812× 8%).

As for the deposit requirements of private enterprises, the average wage of employees in urban private enterprises announced by the Bureau of Statistics is 27,533 yuan. If the average wage of employees in urban private enterprises reaches or exceeds the average wage level of that year (27,533 yuan), the deposit ratio shall not be lower than 10 (i.e. 229.44 yuan, 27,533 ÷12×10). If it reaches 80% of the average salary of that year (22,026 yuan), the deposit ratio shall not be less than 8%( 146.84 yuan, 22,02612× 8%).

Second, the terms of payment

1, terminate the labor relationship with the unit

2. If the employing unit is not insured as a whole, it shall be insured for all employees from the date of registration and establishment of the unit.

3. If the payment is interrupted after the employee's insurance payment, the individual payment system can be started according to the original employee status of different enterprises in our province upon the application of the unit or himself.

Third, return the materials.

When applying for overdue payment, the following materials shall be provided

1. I hold the original ID card.

2. Application Form for Payment of Basic Endowment Insurance for Urban and Rural Residents

3. Collection schedule

Fourth, the payment process.

1. The insured who has paid this year's endowment insurance premium in the same payment year can make multiple payments if there is an optional payment period in the same payment year.

2. When applying for overdue payment, the insured shall submit an application for overdue payment to the agency of basic old-age insurance for urban and rural residents with the original ID card, and the agency shall repay the payment according to the payment standard and repayment period selected by the insured.

3, the basic old-age insurance for urban and rural residents agency staff according to the insured's application, print the "basic old-age insurance for urban and rural residents payment application form" (hereinafter referred to as the "payment application form"), and confirmed by myself, signed and sealed by the handling personnel.

4. The person applying for payment shall pay at the designated bank with the payment application form and my ID card.

5. In the same payment year, the information system of the next natural year will automatically void the receiving plan of the previous year, and will not generate the receiving plan of the next year for the insured. After the insured himself holds the original ID card to the agency to select the payment standard and payment period for the next year, the agency will print and receive the plan sheet for him, and the insured will pay the fee at the designated bank with the plan sheet.

Verb (abbreviation of verb) processing time limit and cost

Time limit for processing: immediate processing on working days.

Handling fee: free of charge.

Location: Luohe Human Resources and Social Security Bureau

The above is the payment ratio and payment method of Luohe five insurances and one gold. Individuals who apply for social security can only pay medical insurance and endowment insurance, nor can they pay housing provident fund. Because employers pay more housing provident fund than social security, many employers will not buy housing provident fund for workers. Housing provident fund can only be used for buying houses, applying for housing loans or decoration. Individuals who apply for social security, in order to have a stable guarantee in the future, suggest buying some commercial insurance as a supplement.