2019 Sanming five insurance and gold payment base ratio, five insurance and gold minimum standard

Uncover the five insurance and one gold in Sanming City: housing provident fund is not cost-effective for a long time

Among them, the social security contribution base is a hurdle, in general, it has two standards, the highest standard and the lowest standard. If a person's salary is between the maximum and minimum standards, then according to their own average monthly salary in the previous year multiplied by the contribution rate to pay; if a person's salary is greater than the maximum standard, then according to the maximum standard to pay, the extra part of the money is not paid; more critical is that, if a person's salary is lower than the minimum standard, then you have to pay the money according to the minimum standard.

The social security contribution base is generally based on the average salary, which is based on the "Interim Measures for the Administration of Employees' Basic Pension Insurance Individual Accounts" (Labor Office [1997] No. 116). The Measures stipulate that if the average monthly salary is less than 60% of the average monthly salary of local employees, the contribution shall be 60% of the average monthly salary of local employees; if it is more than 300% of the average monthly salary of local employees, the contribution shall be 300% of the average monthly salary of local employees, and the exceeding part shall not be credited to the base of the salary for the contribution, or the base for the payment of the old-age pension. The average wage as a reference base is equally significant for unit contributions. Although according to the relevant documents, the social security fees to be paid by enterprises are calculated on the basis of 20% of the total wages of the enterprises, in practice, however, many localities use the average wage as the reference base for making contributions. However, in practice, many places still use the individual account method to restrain enterprises, requiring them to make contributions with reference to the highest and lowest base standards. In addition to pension insurance, which is the main event, the other four insurance policies, such as medical insurance and unemployment, in many places are also based on this base as a reference standard.

In addition, in accordance with the provisions of the Housing Provident Fund contribution base is in accordance with the average monthly salary of employees in the previous year once a year to adjust the base of the provident fund shall not be lower than the minimum monthly wage standard, the maximum does not exceed the previous year in the average monthly per capita salary of employees in the workplace three times.

And the five insurance and gold payment ratio is "different from place to place", in general, the five insurance and gold minimum payment ratio is as follows:

Pension insurance: the unit payment ratio of 20%, the individual payment ratio of 8%;

Medical insurance: the unit payment ratio of 9% +1%, the individual payment ratio of 2%,

The unit payment ratio of 9% +1%, the individual payment ratio of 2 +3;

Unemployment insurance: unit payment ratio of 1%, the individual payment ratio of 0.2% (Remarks: agricultural households do not pay);

Maternity insurance: unit payment ratio of 0.8%, the individual does not contribute;

Industrial injury insurance: unit payment ratio of 0.8%, the individual does not contribute;

Provident fund: unit payment ratio of 12%, the individual payment The proportion of 12%.

Looking for a job, in addition to asking for wages, generally have to ask how to pay for five insurance. Because of your life, you can't live without it. But there are some secrets that you don't know about the five insurance. For example, the pension insurance to pay more ≠ get more; medical insurance is not all the disease can be insured, and so on.

The following for you to reveal the secret of "five insurance and one gold":

God is five insurance and one gold: social security five insurance and one gold, including pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, housing fund.

The secret of the five insurance and one gold scam: your money is not paid in vain

Formal five insurance and one gold payment ratio

Next, we come to the detailed interpretation of the secret of the five insurance and one gold.

1, Sanming City pension insurance: after retirement, your consumption level may have to fall sharply

Currently China's pension insurance system, to the "urban workers basic pension insurance" as the core. This means that working people have a sum of money deducted from their paychecks every month, and when they reach the legal retirement age (60 for men and 50 for women), they can receive a pension from the social security system.

Suppose you graduated from university at the age of 22 and worked in Beijing, which has the highest pension development index in China, with an average monthly income of 8,000 yuan (the average monthly salary in Beijing was 4,672 yuan in 2011) and a unit contribution of 8,000 yuan to the 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, the pension you receive after retirement is $8,624. This equates to only 18% of your pre-retirement salary and is less than the national average basic consumer spending.

2, Sanmina City medical insurance: not all diseases can get insurance

plastic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, the above medical expenses, health insurance does not care.

In addition, if the unfortunate traffic accident, or by thugs hurt, these are not in the medical insurance coverage, only in the public security organs to prove that really can not find the victim of the case, can be by the medical insurance temporary write-off.

There are also many restrictions on the use of health insurance in other places. In the domestic non-residential place of sudden illness, the need for emergency rescue can first be near the hospital, but must be within three working days, the date of hospitalization, the name of the hospital and other information will be reported to the participant health insurance agencies for the record, the condition of stabilization after the need to continue to treat, it should be transferred to the designated medical institutions in time to seek medical treatment.

3, Sanming City to receive unemployment benefits, you 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 a full year

2) non-self-initiated resignation

Then there is a whole lot of formalities to be done: you should be in the date of leaving the job within 60 days of the vocational guidance and training card, household registration, identity card, the termination of labor (employment). The first thing you need to do is to register for unemployment with the labor security department of the street or town where your household is located within 60 days of the date of separation with your vocational guidance and training card, household register, ID card, proof of termination of the labor (employment) contract or working relationship, and a photograph to apply for unemployment insurance benefits.

Note that the location of the hukou, that is to say, if your hukou in Gansu, and people work in Shanghai, you have to go a long way back home to do. The current standard, most of the city's monthly unemployment insurance premiums vary from a few hundred dollars, basically no more than 1,000 yuan, the more economically disadvantaged areas, the less you can receive. Money is not much, can be collected for a long time is not long: unemployed before the cumulative contribution 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, Sanming City, workers' compensation insurance: 48 hours of life and death line

June 19, the network appeared on an article entitled "underage civilian workers die 1 hour late is not considered 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 heatstroke death. As Chen Guo died in the 49th hour 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 Work Injury Insurance Regulations 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 treated as a work injury. Chen Guo is the onset of the 49th hour after the death, is not considered a work injury.

In fact, the dispute and litigation on the recognition of work injury has been continuous. Not only 48 hours of life and death line, to recognize the work injury, not so easy.

5, Sanming Municipal 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. This is because maternity insurance must be paid by the unit. In other words, a full-time wife would not be able to have maternity insurance.

Maternity insurance is only available if you have paid contributions for at least one year. After the birth of a child, you have to continue to pay, but if you do not pay, you can not enjoy the benefits of family planning.

6, Sanming City housing fund: long-term not cost-effective

Many people know that the more units pay housing fund the better each month, the future to buy a house, decoration can be used. But for those who don't buy a house, or aren't planning to buy a house in the short term, it's not cost-effective to have a provident fund just sitting on your account.

This is because the portion of the provident fund that is paid in the current year can only earn a demand deposit rate, while the funds paid in previous years can only earn a three-month fixed deposit rate. With inflation on the rise, it is clearly not as good as using it for investment yourself, or even a one-year fixed deposit in a bank.

Now, these little secrets about the five insurance funds, you have figured out?