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

The payment ratio of five insurances and one gold in Jiangyin is pension: the unit bears 19% and the individual bears 8%. Unemployment: 0.5% for units and 0.5% for individuals. Medical maternity: 9.5% for the unit and 2% for the individual+large amount of medical treatment in 5 yuan. Work-related injury: the enterprise bears 0.9% alone. Provident fund: 10%- 12%.

The proportion of five insurances and one gold will change every year, which is the result of the joint decision of the local social security bureau and enterprises, and each region is different. So what is the payment ratio of five insurances and one gold in Jiangyin? What's the use of paying five insurances and one gold? Below, I will give you an introduction of relevant legal knowledge.

First, Jiangyin five insurance and one gold payment ratio

The minimum standard base of five insurances and one gold in Jiangyin is based on the minimum wage in this city, which belongs to Jiangyin, a first-class area 1630 yuan.

1. Pension insurance contribution ratio: company contribution ratio:14%; Individual contribution ratio: 8%;

2. Medical insurance payment ratio: company payment ratio: 8%; Individual contribution ratio: 2%;

3. Unemployment insurance payment ratio: company payment ratio: 2%; Individual contribution ratio:1%;

4. Payment ratio of work-related injury insurance: the company's contribution ratio: the employer pays in full according to the work-related injury insurance rate of the unit;

5. Maternity insurance payment ratio: the company's payment ratio: based on the average monthly salary of employees in 20 14 years.

6. Housing accumulation fund payment ratio: the company pays ratio: 5%; Individual contribution ratio: 5%.

Two. Matters needing attention in paying five insurances and one gold

1, many places have paid endowment insurance, but there is no place for more than ten years, so you have to go back to your hukou to get it:

According to the current regulations, the old-age insurance should be refunded where the payment has exceeded 10 years at the longest. If the payment is made in several places, and no place has paid for more than 10 years, it will be returned to the place where the account is located.

This also means that if you pay 9 years 1 1 month based on 5,000 yuan in big cities such as Beijing, Guangzhou and Shenzhen, the old-age insurance will be returned to the place where the average salary in the previous year was only 2,000, which is not more worry-free.

2. If the accumulated endowment insurance deposit is less than 15 years, and it is impossible to receive lifelong endowment insurance, the personal deposit will be returned:

Generally, you have to pay 15 years, and you can enjoy the pension for life when you retire, so people who want to get the pension must start paying before you retire. If you pay less than 15 of the old-age insurance at retirement age, the state will refund all the 8%-9% pension saved in your personal account when you retire. 20% paid by the company will all be transferred to the national pension fund, which has nothing to do with you.

3. In order to save money, the company does not pay five insurances and one gold according to the actual salary;

In order to save money, some units do not pay employees five insurances and one gold according to the actual salary, but only pay them according to the minimum deposit base. For example, the actual salary of employees is 5,000 yuan, but 3,000 yuan is privately transferred to personal accounts in various forms such as reimbursement and subsidies, and only 5,000 yuan is paid as the base.

I remind you: when choosing a company, you must ask about the payment base. At present, the state has no exact legal definition and sanction basis for such cases.

4 enterprises do not pay five insurances and one gold on the grounds of household registration and archives:

At present, some companies refuse to provide old-age insurance for their employees on the grounds that their employee files are not in the company or their household registration is not in the local area. These reasons are bullshit. You only need an ID card to get five insurances and one gold, which has nothing to do with your account and file.

I would like to remind you that if you encounter such incidents, you can defend your rights through legal means. At the same time, it is illegal for enterprises to force employees to transfer their file relationship to the company on the grounds of five insurances and one gold.

5, medical insurance must be paid for 25 years to enjoy lifelong medical insurance after retirement:

If you don't pay for 25 years, only the 2% balance paid by those individuals will be paid in the account when you retire, and the 10% paid by the company will be turned over to the state. In addition, if it is interrupted for more than 3 months, the medical insurance will be invalid. When the severance payment is interrupted, you must contact the new company to make up for it.

To sum up, with regard to the payment ratio of five insurances and one gold in Jiangyin, it should be noted that industrial injury insurance and maternity insurance are paid in full by the unit, while other insurances are paid in part by the unit and in part by the individual. In addition, if the accumulated endowment insurance is less than 15 years, it is impossible to receive lifelong endowment insurance.