How to determine the social security deposit base?

At present, the proportion of five insurances and one gold paid by Hangzhou Company is as follows: pension insurance unit pays 14.0%, and individual pays 8.0%, totaling 22.0%; Medical insurance units pay 1 1.5%, and individuals pay 2.0%, totaling13.5%; The unemployment insurance unit pays 1.0%, and the individual pays 0.5%, totaling1.5%; Work-related injury insurance units pay 0.5%- 1.2%, and individuals don't have to pay, totaling 0.5%-1.2%; Maternity insurance units pay 1.0%, and individuals don't have to pay, totaling1.0%; Housing provident fund units and individuals each pay 12%, a total of 24%.

What are the benefits of paying five insurances and one gold respectively?

1. Old-age insurance: Pay 15. After reaching the legal retirement age, you can receive a monthly pension.

2. medical insurance: medical expenses can be reimbursed in proportion when you are sick.

3. Unemployment insurance: those who have paid for more than one year and meet the requirements can receive unemployment benefits when they are unemployed.

4. Work-related injury insurance: medical expenses can be reimbursed in case of work-related injury, and subsidies can be received for disability.

5. Maternity insurance: enjoy maternity allowance, medical expenses subsidy and medical expenses reimbursement.

6. Housing provident fund: You can apply for provident fund loans to buy a house, and the interest rate of provident fund loans is about 2 points lower than that of commercial loans. At the same time, it is necessary to meet the needs of employees who continuously pay housing provident fund 1 year. It is reported that they have to pay for six months before they can apply for a loan.

How to determine the payment base of five insurances?

For newly recruited employees, the salary income of the initial month is used as the base of payment, and from the second year onwards, the average monthly salary of the actual salary of the previous year is used as the base of payment. If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year shall be the payment base; If the wage income of employees is lower than 60% of the local average wage of employees in the previous year, 60% of the local average wage of employees in the previous year shall be the base of payment; If the employee's salary is between 300% and 60%, declare it according to the facts.

Payment ratio of five insurances and one gold in Hangzhou in 2020

Endowment insurance: the company pays 14% and the individual pays 8%;

Unemployment insurance: the company pays 0.5% and the individual pays 0.5%;

Industrial injury insurance: the company pays by industry, and the individual does not pay;

Maternity insurance: the company pays 1.2%, and the individual does not pay;

Medical insurance: the company pays 10.5%, and the individual pays 2%;

Housing accumulation fund: the company pays 5- 12%, and the individual pays 5- 12%.

Hangzhou five insurance and one gold payment base in 2020

Employees who participate in basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance and maternity insurance should take the average monthly wage income of 20 18 years as the payment base of 20 19 years.

According to 20 18 years' average annual salary of workers in Zhejiang province (two decimal places are reserved):

The average monthly salary is 66432 yuan ÷ 65438+February =5536 yuan/month;

The guaranteed wage base is 5536 yuan ×60%=332 1.60 yuan;

The capped salary base is 5536 yuan ×300%= 16608.00 yuan;

The upper and lower limits of social security base in Hangzhou are: 332 1.60- 16608.00 yuan.

The upper limit of the deposit base of housing provident fund is 25,950 yuan, and the lower limit is 20 10 yuan, Lin 'an 1800 yuan, jiande city, Tonglu and Chun 'an counties 1660 yuan.

Minimum standard of five insurances and one gold in Hangzhou in 2020

Minimum payment amount of endowment insurance: unit: 3321.60×14% = 465.02 yuan; Personal: 332 1.60×8% = 265.73 yuan.

Minimum payment amount of medical insurance: unit: 3321.60×10.5% = 348.77 yuan; Personal: 332 1.60×2% = 66.43 yuan.

Minimum payment amount of unemployment insurance: unit: 3321.60× 0.5% =16.61yuan; Personal: 3321.60× 0.5% =16.438+0 yuan.

Minimum payment for maternity insurance: unit: 3321.60×1.2% = 39.86 yuan; Personal: No need to pay.

Minimum payment amount of industrial injury insurance: unit: determined according to the industry; Personal: No need to pay.

Minimum deposit of housing provident fund: unit: 20 10×5%= 100.5 yuan; Individual: 20 10×5%= 100.5 yuan.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

Article 59 People's governments at or above the county level shall strengthen the collection of social insurance premiums.

Social insurance premiums shall be uniformly collected, and the implementation steps and specific measures shall be stipulated by the State Council.

Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.

Sixty-first social insurance fee collection agencies shall collect social insurance premiums in full and on time according to law, and regularly inform employers and individuals of the payment situation.