Zhenjiang five insurance and gold payment ratio is how the

A, Zhenjiang five insurance a gold payment ratio 1, according to the provisions of the current year, the employee's social insurance contribution base according to its last social security year the actual total wages to determine, but the minimum shall not be lower than the minimum contribution base (currently the city urban area of 1794 yuan / month), the maximum shall not be higher than the maximum contribution base (currently the city urban area of 10,126 yuan / month). 2, at present, the city's urban enterprises of the social insurance contribution ratio is: pension insurance: unit 20.5%, personal 8%; medical insurance: unit 9%, personal 2.5%; unemployment insurance: unit 2%, personal 1%; maternity insurance: unit 0.6%, personal non-contributory; industrial injury insurance: unit 0.6%, 1%, 1.8% (according to the scope of the unit's business to determine), personal non-contributory. 3, housing fund collection is not within the scope of management of the municipal social services department, the specific circumstances, you can contact the municipal housing fund management center Looking for a job, in addition to asking for wages, and generally also ask how to pay the five insurance and one gold. The reason is that you can't live without it. But there are some secrets that you don't know about the five insurance and one gold. For example, pension insurance pay more ≠ get more; medical insurance is not all the disease can get insurance. Second, what is the use of five insurance a gold paid 1, Zhenjiang City, pension insurance: after retirement, your consumption level may have to fall sharply Currently China's pension insurance system, to "urban workers basic pension insurance" as the core. The current pension insurance system in China is centered on the "basic pension insurance for urban workers", which means that working people have a sum of money deducted from their salary every month, and can receive a pension from the social security system when they reach the legal retirement age (60 years old for men and 50 years old for women). Suppose you graduate from university at the age of 22 and work in Beijing, which has the highest "China Pension Development Index", with an average monthly income of 8,000 RMB (the average monthly salary in Beijing in 2011 was 4,672 RMB), and your unit contributes 8,000 RMB to your salary base. According to the fixed growth rate of 5%, your monthly salary will be 48,600 RMB when you retire (age 60). And according to the current standard, you will receive a pension of $8,624 upon retirement. This equates to only 18% of your pre-retirement salary and is below the national average basic consumer spending. 2, Zhenjiang City medical insurance: not all the disease can get insurance plastic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, the above medical expenses, medical insurance is not care. In addition, if you are unfortunate enough to be involved in a traffic accident or injured by criminals, these are not covered by medical insurance, and can only be temporarily written off by the medical insurance if the public security organs prove that the victim cannot be found. There are also many restrictions on the use of medical insurance in other places. In the domestic non-residential place of sudden illness, the need for emergency rescue can first be hospitalized nearby, but must be within three working days, the date of hospitalization, hospital name and other information will be reported to the participating medical insurance agency for the record, the condition is stabilized need to continue to be treated, should be promptly transferred to a designated medical institutions for medical treatment. 3, Zhenjiang City to receive unemployment benefits, must first meet the following two conditions: 1) the unit and I have been in accordance with the provisions of the obligation to fulfill the unemployment insurance contributions for 1 year 2) non-self-initiated Resignation and then there is a whole lot of formalities to be done: should be in the date of leaving the job with vocational guidance and training card, hukou book, identity card, the termination of the labor (employment) contract or proof of working relationship and photos to the hukou where the street, town, labor security department for unemployment registration. Register as unemployed and apply for unemployment insurance benefits at the labor security office in the street or town where you have a hukou. Note that it is the location of the household registration, which means that if you have a household registration in Gansu and work in Shanghai, you will have to go all the way back to your hometown to do it. According to the current standard, the unemployment insurance benefits in most cities range from a few hundred yuan a month to no more than 1,000 yuan a month, and the more economically backward the region, the less you can receive. Money is not much, can be collected for a long time is not long: unemployed before the cumulative contributions of 1 year to 5 years, up to 12 months; 5 years to 10 years, up to 18 months; cumulative contribution time of 10 years or more, up to 24 months. 4, Zhenjiang City, workers' compensation insurance: 48 hours of life and death line June 19, the network appeared on a piece of paper entitled "minor civilian workers die 1 hour late is not counted as a workplace death forcing people to die early? The net post. The net post said, Hunan Loudi 17-year-old civilian workers Chen Guo, in Dongguan City, Shijie Town, working in severe heat stroke death. As Chen Guo died 49 hours after the onset of the disease, his family has not been able to get compensation after 20 days. They were told that Article 15 of China's Regulations on Work Injury Insurance stipulates that if a person dies of a sudden illness during working hours and at work, or if he dies within 48 hours after being rescued, the death will be regarded as a work injury. Chen Guo died in the 49th hour after the onset of the disease, not considered a work injury. In fact, disputes and litigations over the recognition of work injuries have been ongoing. Not only 48 hours of life and death line, to recognize work injuries, not so easy. 5, Zhenjiang Maternity Insurance: must have a unit Maternity is a very personal thing, but if there is no work unit, it is difficult to enjoy maternity insurance. The reason is that maternity insurance must be paid by the unit. In other words, a full-time wife cannot have maternity insurance. Maternity insurance can only be enjoyed if you have paid contributions for at least one year. After giving birth to a child, you have to continue to pay the contributions, if you do not pay, you will not be able to enjoy the benefits of family planning later. 6, Zhenjiang City Housing Provident Fund: long-term use is not cost-effective Many people know that every month the unit to pay more and more housing provident fund, the better, in the future to buy a house, decoration can be used. But for people who do not buy a house, or are not prepared to buy a house in the short term, the provident fund so exist on the account, and not cost-effective. This is because the current year's contribution to the CPF can only earn a demand deposit interest rate, while previous years' contributions can only earn a three-month fixed deposit interest rate. In the case of increased inflation, it is obviously not as good as using it for your own investment, or even as good as a one-year fixed deposit in the bank. Regarding the Zhenjiang five insurance and one gold payment ratio, we should note that the amount of employee five insurance and one gold payment is a little bit related to the social security year the actual total salary, the collection of housing fund is managed by the department of housing fund. In addition, to receive unemployment benefits, it is necessary to meet the unit and I have been in accordance with the provisions of the obligation to fulfill the unemployment insurance premiums for 1 year and is not my own initiative to quit the unemployment caused by these two conditions.