20 19 Jiangmen five insurance and one gold payment base ratio, five insurance and one gold minimum standard.

Revealing five insurances and one gold in Jiangmen: it is not cost-effective to use the housing provident fund for a long time.

Looking for a job, in addition to asking about salary, you usually have to ask how to pay five insurances and one gold. Because you can't live without it. But five insurances and one gold actually have some secrets that you don't know. For example, pension insurance is overpaid; Medical insurance not all diseases can be insured.

The following is the secret of "five insurances and one gold": the payment ratio and payment base of Jiangmen five insurances and one gold.

Endowment insurance: unit, 15%, 0.8%

Medical insurance: 6.5% for units and 2% for individuals.

Unemployment insurance: the unit contribution rate is 2%, the individual contribution rate is 1%, and migrant workers themselves do not pay.

Maternity insurance: the unit contribution rate is 0.45%, and individual employees do not pay maternity insurance premium.

Work-related injury insurance: 0.5% for Class I industry, 1.0% for Class II industry and 1.5% for Class III industry. Employees do not pay work-related injury insurance premiums.

Housing accumulation fund: the deposit amount of accumulation fund shall not be less than 5% of the average monthly salary of employees in the previous year, and shall not exceed 20% of the average monthly salary of employees in the previous year. At the same time, it is restricted by the upper and lower limits of the deposit in our city.

(1) In 2013 years, the lower limit of the payment base of employee pension insurance in our city is still 5 1% of the average monthly salary of employees in the province in 20 10 years, and the payment base of individual industrial and commercial households and flexible personnel in cities and towns is not less than 59% of the average monthly salary of employees in enterprises in the province in the previous year.

(2) In 20 13, the payment base of unemployment insurance, industrial injury insurance and maternity insurance in our city is still implemented according to the standard of 20 10, in which the average monthly salary of enterprise employees in our city is 229 1 yuan. That is, the upper limit of payment is 6873 yuan, and the lower limit is 1375 yuan.

(3) It shall be executed according to the document number. Jiangfuban [20 10] 107, that is, the average monthly salary declared by the insured in the previous year exceeded 300% of the minimum payment base; Below the minimum payment base, according to the minimum payment base. In 20 13 years, the minimum payment base of the whole city will be uniformly implemented at 2 100 yuan.

(4) With the approval of the Municipal Housing Provident Fund Management Committee, from July 30 to 20 13, 2065438, the minimum monthly deposit amount of housing provident fund for units and employees in our city was 56.50 yuan, the upper limit was 3452.25 yuan in the urban area, and it was 3 165.25 yuan in Taishan City, Kaiping City, Heshan City and enping city City.

Shenma is five insurances and one gold: five insurances and one gold for social security, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

Revealing the five insurance and one gold scam: Did you pay your money for nothing?

Proportion of regular payment of five insurances and one gold

Next, let's read the secret of five insurances and one gold in detail.

1, Jiangmen Old-age Insurance: Your consumption level may drop significantly after retirement.

At present, the core of China's old-age insurance system is the basic old-age insurance for urban workers. That is, people who work can deduct a sum of money from their salary every month and get a pension from the social security system when they reach the legal retirement age (60 men and 50 women).

If you graduate from university at the age of 22 and work in Beijing with the highest China Pension Development Index, the average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2065,438+065,438+0 was 4,672 yuan), and the salary base paid by the company is 8,000 yuan. According to the fixed growth rate of 5%, when you retire (60 years old), your monthly salary is 48,600 yuan. According to current standards, the pension you receive after retirement is 8624 yuan. This is only equivalent to 18% of the salary before retirement, and is lower than the national average basic consumption expenditure.

2. Jiangmen Medical Insurance: Not all diseases can be insured.

Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction and mental illness are not covered by medical insurance.

In addition, if there are unfortunate traffic accidents or injuries by gangsters, these are not covered by medical insurance. Only when the public security organ proves that the injurer cannot be found can it be temporarily written off by medical insurance.

There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.

3, Jiangmen City to receive unemployment benefits, must first meet the following two conditions:

1) The employer and I have fulfilled the obligation to pay unemployment insurance for 1 year according to the regulations.

2) Resign voluntarily

Then there are a lot of formalities to be done: within 60 days from the date of leaving your job, you should register unemployment with the labor security department of the street or town where your household registration is located and apply for unemployment insurance money with your vocational guidance and training card, household registration book, ID card, proof of labor (employment) termination contract or work relationship, and photos.

Pay attention to the location of your hukou, that is, if your hukou is in Gansu and people work in Shanghai, you have to go back to your hometown all the way. According to current standards, the unemployment insurance premium in most cities ranges from several hundred yuan a month, and basically does not exceed 1 10,000 yuan. The more backward the economy is, the less you can get. There is not much money, and the time to get it is not long: before unemployment, pay 1 to five years, and get 12 months at most; 5 years to 10 years, at most 18 months; If the accumulated payment time exceeds 10 year, the longest payment period is 24 months.

4. Jiangmen industrial injury insurance: 48-hour life and death line.

On June 19, an article entitled "Is the death of underage migrant workers late 1 hour not a work-related injury death? The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.

They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.

In fact, disputes and lawsuits about work-related injuries have been going on. It's not just a 48-hour line. It's not that easy to identify work-related injuries.

5. Jiangmen maternity insurance: there must be a unit.

Childbirth is a very private matter, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.

Maternity insurance must be paid for at least one year to enjoy it. After giving birth, we will continue to pay the fees. If you don't pay, you won't enjoy the benefits of family planning later.

6. Jiangmen Housing Provident Fund: It is not cost-effective not to use it for a long time.

As many people know, the more housing provident fund units pay each month, the better, which can be used to buy houses and decorate in the future. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account.

Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In the case of increasing inflation, it is obviously not as good as self-investment, or even as good as one-year time deposit in banks.

Now, have you understood all these little secrets about five insurances and one gold?