What's the difference between boys paying five insurances?

The specific social security composition ratio is:

Endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major illness co-ordination mainly covers hospitalization);

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself;

Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself.

Most importantly, in this way, the proportion of social security paid by the company for you every month should be 21%+9%+2%+0.5%+0.8%+8% = 41.3%.

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

Leaving aside Yuan You's 10 for the time being, the ratio paid by the company and yours should be 4 13: 190, that is to say, if.

You pay 190 yuan Social Security every month, then the company will put 4 13 yuan into your social security account.

The monthly increase in your social security account should be 4 13+ 190=603 yuan.

So when you can't see it, the company actually pays more than twice as much as you, so you pay social security every month.

Don't feel bad at work ~ you should know that the unit pays much more than you do, but it is the unit that feels bad.

Back to three insurances and one gold and five insurances and one gold, you should see it here. In fact, the three dangers mentioned in the Jianghu.

One gold is completely equal to five insurances and one gold, but three insurances and one gold come from your personal insurance (pension+medical care+unemployment+provident fund).

Yes, five insurances and one gold come from the insurance paid by your company (pension+medical care+unemployment+work injury+maternity+provident fund). Put out three insurances and one insurance.

Gold says five insurances and one gold, but it's just a nice talk.

In addition to the unit can pay social security for you, in fact, people who have no job but have income or people who have a unit but don't pay social security can also do it.

Pay social security by yourself, but individuals can only pay endowment insurance+medical insurance, work injury, maternity, unemployment, provident fund, but individuals can't.

Here's what these social insurance premiums are and how to use them.

As mentioned earlier, social insurance = endowment insurance+medical insurance+industrial injury insurance+maternity insurance+unemployment insurance+housing accumulation fund.

Let's talk about endowment insurance first.

This insurance is generally paid 15 years before you can enjoy the pension for life, so students who want to get a pension.

Please be sure to pay before retirement 15 years ago, which is similar outside Nanjing.

If the pension insurance payment at retirement age is less than 15, the state will deposit 8.5% in the personal account at retirement.

% of the pension will be refunded to you in full.

Then you will ask, where is the 2 1% paid by the company?

You can't expect the country to give it to you. When you retire and take your personal money, the state will give you 2 1.

% of the money has been transferred to the national pension fund, which has nothing to do with you anymore.

You might say: Holy shit! That's my money. Why not give it to me?

Because it is stipulated by the state.

When returning money, only the money deducted by the individual himself is refunded, and the money paid by the unit for him has contributed to the country-

Let's take a look at how your pension is calculated when you retire.

The algorithm of pension is very complicated, because the country will change the payment base once a year. For example, you are now 30 years old,

Your current payment base is 3000 yuan. If the retirement age is 55, you must start to pay before the age of 40.

Endowment insurance, and if you pay from the age of 30 now and have to pay for 25 years by the age of 55, then you can definitely enjoy the pension first.

Secondly, if the payment base of 3,000 Yuan You paid in 25 years becomes 6,000 yuan (I said if), then you are 55 years old.

First of all, you can get a basic pension of 6000×20%= 1200 yuan every month, which is given to you by the state, except yours.

People's accounts have accumulated a lot of money in 25 years. Let's average the payment base, (3000+6000)÷2=4500, then

You should have 4500×8% (the proportion of personal pension insurance) ×25× 12 months in your personal account over the past 25 years.

= 108000 yuan, so in addition to the previous 1200 yuan, you can also get 108000÷ 120=900 yuan every month, so you are 5.

At the age of five, you can get at least a monthly pension of 1200+900=2 100 yuan. Of course, the national base is still rising every year.

In this way, every year except your own 900 yuan, you will get more money than 1200 yuan every month after retirement, so your pension.

There will certainly be more and more gold.

Therefore, the more pension insurance you pay, the better. The more you give, the more you enjoy after retirement. And the country will adjust every year.

After the base, you will get more and more money. It is possible to pay 1000 now and get 1500 ten years later.

There is an abnormal policy here, that is, no matter where you pay social security fees, you can only pay them when you retire.

Where the registered permanent residence is located, enjoy local retirement benefits. From this perspective, social security is paid in a place with a high base, but retired to a place with a low base.

People who enjoy pensions will lose a lot. Why do you say that? Let me give you an example. If you were in Nanjing when you were young.

Work, pay social security for 20 years and then retire, but if the hukou is in Heilongjiang, you must go back to Heilongjiang to enjoy the old-age care.

Kim. If you have been in Nanjing for 20 years with an average base of 3,000 (I mean if), you will be in Heilongjiang when you retire.

The payment base is only 1000 (I mean if), then you can only enjoy 1000 when you retire! This is a loss! one

In other words, if you pay social security in a rich place and return to a poor place to enjoy social security after retirement, you will have to pay a lot in your life.

Enjoy very little! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is no way, this is the country.

Policy, so please all current registered permanent residence in places with low base such as the west, but work in places with high base such as Beijing or Shanghai.

Attention, social security students, you should either pay social security in the west, or move your account to Beijing or Shanghai before you retire, otherwise.

You are making a great loss in your life.

Then maybe you will say, if my hukou is in Nanjing, I will make friends in Heilongjiang for 20 years and make friends in a place with a low base.

When you retire, go back to a place with a high base and enjoy high welfare. No! Do you think Nanjing Labor Bureau lets you enjoy it like this?

! Generally speaking, Nanjing will find reasons to directly refuse your transfer! Then you will be smarter: in the black dragon

Jiang can't enjoy it, nor can Nanjing!

But some places have some loose regulations on this situation. For example, Nanjing allows you to retire at a low base five years before retirement.

The place is transferred back to Nanjing, and then you will continue to pay the high base of Nanjing for five years, and then you can go back to Nanjing to enjoy your pension.

Policy estimates vary from place to place. Students who plan to transfer in the future had better go to your local labor bureau to solve this problem now.

Be clear, lest you have an accident when you retire! Let's talk about maternity insurance.

Let's take this for example. If you are a girl, your monthly salary is 1 0,000 yuan, and you started to have children on June 65438+ 10/in 2007.

Insurance, the payment base is 1 189, and you were pregnant in March 2007, gave birth to a child at the end of February 2007, and was discharged in June 2008.

Get a marriage certificate after discharge (unmarried children can't be reimbursed)+one-child certificate (generally speaking, two children can't be reimbursed).

+medical record+check all invoices, hospitalization and operation expenses+hospitalization list+discharge summary, these materials have been submitted.

When I came to the company, if I spent 500 yuan on pregnancy check-up, I spent 2,000 yuan on hospitalization and surgery when I gave birth, which is generally public.

The company can basically reimburse you all within the scope of medical insurance, and the money given to you after reimbursement includes: 500 inspection fee+2,000 yuan.

The hospitalization operation fee is+1 189 yuan/month× 4 months =7256 yuan, 1 189 yuan/month× 4 months, which will be reimbursed by the medical insurance center.

Girls' subsidies can only be obtained through reimbursement.

According to the national regulations, girls must pay an average salary of 4 months for reimbursement of maternity insurance, so if you reimburse a child, not only

You can earn 4 months' salary without spending money! If your basic salary is higher than your salary, for example, 1000 yuan is 1 189.

So you made a profit?

Maternity insurance must be paid for one year to enjoy, remember to remember.

There is another problem, boys also pay maternity insurance ~ so can boys enjoy maternity insurance?

If you are a boy, your wife doesn't have a job or her work unit doesn't pay insurance, and you paid maternity insurance when she gave birth.

For more than one year, maternity insurance can also be reimbursed, but in the above example, the inspection can only be reimbursed to 500 yuan.

Consulting fee+half of hospitalization operation fee in 2000 = 1250 yuan, and you can't get the subsidized salary of1/89 yuan/month ×4 months.

! This is only for girls to enjoy reimbursement ~

For the same expenses, girls can get 7256 yuan for reimbursement, while boys can only get 1250 yuan for reimbursement, which is probably a rare discrimination in China.

Public policy theory-+

Therefore, it is best for girls to make plans before giving birth and start looking for a company to pay maternity insurance one year in advance, so that they can make money!

If a boy wants to marry a wife, it is best to marry a woman who has paid maternity insurance for one year when she gave birth, and the payment base is higher than her.

A girl with a high salary! But it doesn't matter if she really doesn't have insurance, you can also reimburse her for maternity insurance, but

You get four months' salary, no subsidy, and you can only get back half of the reported expenses.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.