Harbin dependency unit to pay three insurance and their own money to pay the difference?

Three insurance that is: pension insurance, unemployment insurance, medical insurance

A gold that is: housing provident fund (used in the purchase of a mortgage)

Suppose your social insurance base for 2000 (this base to your company shall prevail, you can ask your company's personnel department, and the proportion of the payment are unified), now in Beijing as an example of the proportion of the contribution

[edit This paragraph]1, pension insurance

The proportion of personal contributions 8%, the company paid a proportion of 20%, of which the personal account monthly storage amount = (8% + 3%) * 2000 = 220 yuan

The company paid the rest of the 17% as the social co-ordination fund, before you meet the conditions for receiving a pension, can be temporarily understood as a co-ordinated fund are sent to the current elderly.

Conditions for receiving a pension:

Men aged 60; women aged 50

Those who joined the workforce and paid social insurance before July 1, 1998, with a total of 10 years of contributions

Those who joined the workforce and paid social insurance after July 1, 1998, with a total of 15 years of contributions

Receipt of pensions Quantity

I think this is what you are most concerned about, as an example.

A male employee is currently 25 years old, participated in social insurance in 2000, and his pensionable age is 60 years old.

Assuming that in 2035 the employee has accumulated 35 years of social security contributions, and the contribution base is 2000 yuan; during this period, the company **** contribution of 168,000 yuan, individual contributions **** 67,200 yuan; the amount of money in the personal account 92400 yuan.

In 2004, the average monthly salary of the national average wage of 1022 yuan; assuming that the average monthly salary of the national average wage of 5000 yuan in 2030

The employee's monthly pension is ① + ② = 1770 yuan

① base pension: 5000 × 20% = 1000 yuan

② personal account pension: 92400 ÷ 120 = 770 yuan

① base pension: 5000 × 20% = 1000 yuan

② individual account pension: 92400 ÷ 120 = 770 yuan

This example applies to people who joined the workforce after 7/1/98. You can refer to this example to roughly calculate the amount of your

[edit]2, medical insurance

The individual part: 2% + 3 yuan; the company part: 10%

Among the individual account (which is also your medical passbook) per month: (2% + 0.8%) * 2000 = 56 yuan

The rest of the part is a co-ordinated fund, given to the community, to be distributed by the state.

The rest of the money is in a pooled fund, which is distributed by the state

The medical insurance guarantee:

Medical expenses incurred in foreign cities are not eligible for medical insurance.

April 1, 2001 to participate in the work, March 31, 2001 after the retirement of workers, the cumulative number of years of basic medical contributions must be men over 25 years, women over 20 years (including continuous service in line with national regulations and April 1, 2001 before the actual payment of pension insurance years), the employee's years of contribution is less than the above provisions of the previous year's average monthly salary of employees in the city as the basis for 7% less than the basic medical insurance premiums, according to the average monthly salary of workers in the city of the previous year as a base, the number of years. 7% less than the number of years of basic medical insurance premiums, from the next month to enjoy the basic medical insurance treatment of retirees.

After March 31, 2001 to participate in the insurance personnel, according to the actual contributions to calculate the years. If the number of years of contributions is less than the required number of years at the time of retirement, the balance of the individual account will be returned to the person, but he/she will not be entitled to the basic medical treatment.

[edit]3. Unemployment insurance

Individuals pay a portion of 0.5%; companies pay a portion of 1.5%

Whether it's the individual portion or the company's portion, it's not counted as part of your personal account, and it's all given to the state

Special note, migrant workers don't pay for unemployment insurance

Unemployment insurance collection: this is something that should be more of a concern to you, but reading the introduction, I guess you're more concerned about. But read the introduction, I guess your heart are ......

Continuous payment of more than 1 year less than 2 years, receive 3 months of unemployment benefits

Continuous payment of more than 2 years less than 3 years, receive 6 months of unemployment benefits

Continuous payment of more than 3 years less than 4 years, receive 9 months of unemployment benefits

Continuous payment of more than 4 years less than 5 years, receive 12 months of unemployment benefits

Continuous payment of more than 4 years more than 5 years, receive 12 months of unemployment benefits

For more than 5 years of continuous contributions, one additional month of unemployment benefit is paid for each year of continuous contributions, but the maximum period is not more than 24 months.

If an unemployed person becomes unemployed again after being re-employed during the period of receiving unemployment benefits, the time of contribution payment is recalculated!

Special note: the relief payment is very little at the moment, just a few hundred dollars per month, according to the above years, the longest can be able to receive 24 months, but also to ensure that you pay unemployment insurance for more than 5 years. It's not enough for you to apply for unemployment benefits and a host of other fees!

These are the most important things that you can do to help your business.

Please see below:

Unemployment insurance issued by the number of

Accumulated contribution time of less than 5 years, the unemployment insurance benefits monthly payment standard for 382 yuan;

Accumulated contribution time of 5 years less than 10 years, the unemployment insurance benefits monthly payment standard for 409 yuan;

Accumulated contribution time of 10 years less than 15 years, the unemployment insurance benefits

If the cumulative contribution time is more than 15 years but less than 20 years, the monthly payment standard of unemployment insurance benefit is 463 yuan;

If the cumulative contribution time is more than 20 years, the monthly payment standard of unemployment insurance benefit is 491 yuan.

[edit]Housing Provident Fund

Individuals pay x 12% of the wage base and units pay 12% of the wage base. Individuals can withdraw housing provident fund if they buy, build, renovate or overhaul their own housing; if they are retired or retiring, if they are totally incapacitated and have terminated their labor relationship with the unit; if they have moved their household accounts out of the city or county where they are located or if they have settled out of the country; if they are repaying the principal and interest of the purchase or loan; or if their rents are more than the prescribed percentage of the family's salary income. The housing fund of the individual to pay the wage base is the average monthly salary of the previous year, including overtime pay and other wage income.