How to calculate the full payment of Shenzhen social security

Medical insurance, endowment insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The first three types of insurance are premiums paid by enterprises and individuals, and the latter two are borne by enterprises.

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

At present, the contribution ratio of endowment insurance in Beijing is: 20% for the unit (of which 17% is included in the overall fund and 3% in the personal account) and 8% for the individual (all included in the personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan;

Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit; Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual.

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. However, in principle, the maximum wage shall not exceed 10% of the average wage of employees in Beijing.

(Overall planning fund refers to: in the process of the gradual transformation of the old-age insurance system from the state-unit system to the state-society system, the state needs to make overall plans to solve the problems of unbalanced economic development and aging population.

(1) Establish a social pooling fund mainly based on enterprise contributions; (2) Establish personal accounts based on employees and enterprises; (3) The government bears the management expenses of the endowment insurance fund. This semi-fund system, which combines social pooling with individual accounts, is conducive to coping with the crisis of China's aging population, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transformation from the enterprise pension insurance system to the individual pension insurance system. )

The payment amount of four insurances and one gold varies from region to region, and the base is the total salary. Some enterprises pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department.

The surrender of endowment insurance, unemployment insurance and medical insurance can only be obtained under the circumstances permitted by law, and shall be issued by the insurance registration department. For example, "Old-age insurance can only be received if it reaches the legal age, and unemployment insurance benefits is also eligible to receive it. For example, if you go to the street office where your household registration is located and apply for an employment permit, it means that you must have the will to apply for a job after you lose your job.

If you don't want to work after losing your job, you won't get insurance money. In addition, pensions and unemployment benefits cannot be enjoyed at the same time.

Do you enjoy insurance during the probation period?

You should also enjoy insurance during the probation period, because the probation period is an integral part of the contract period, not isolated from it. So you should also take out insurance during the probation period. In addition, it is the legal obligation of the enterprise to insure employees, which does not depend on the intention or will of the parties. Even if employees say that they do not need to pay insurance, commercial insurance cannot replace social insurance. Enjoy old-age insurance benefits

Those who have paid the old-age insurance premium 15 years or more and reached the statutory retirement age can enjoy the old-age insurance benefits:

1, receive the basic pension on a monthly basis according to regulations until death.

The basic pension is calculated as follows:

Basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement × 20% (the payment period is insufficient 15 is 15%)+ personal account principal and interest and indexed monthly average payment salary ×1payment period before the end of 997 ×

2. Death treatment. (1) Funeral expenses (2) One-time pension (3) Subsidies for immediate family members who meet the support conditions are paid monthly until the immediate family members who support them die.

Note: Endowment insurance should be paid continuously as far as possible. According to the relevant documents, if the enterprise or the insured pays the basic old-age insurance premium intermittently (except for the unemployed and those who do not pay according to the relevant regulations), the insured meets the conditions stipulated by the state for receiving the pension. When calculating the basic pension, the calculation base of the basic pension will be moved forward year by year according to the cumulative intermittent payment time to the average salary of employees in this city in the previous year (the cumulative intermittent payment time is calculated by 65438+).

For example:

If you retire in 2020, under normal circumstances, your basic pension is 2065438+the average social wage in 2009 × 20%, but if your pension insurance is interrupted for 30 months before retirement, it will be interrupted for 2.5 years. According to two years, your basic pension is 2065438+the average social wage in 2007 × 20%.

Enjoy medical insurance benefits

1, outpatient and emergency medical expenses

The annual medical expenses of the employees (65438+1October1-65438+February 3 1) are more than 2,000 yuan;

2. Settlement ratio:

During the contract period, 50% of the dispatched personnel will be reimbursed for more than 2,000 yuan, and 50% will be paid by the individual;

Within one year, the maximum amount of accumulated reimbursement for outpatient and emergency services of dispatched personnel is 20,000 yuan.

3. The insured shall properly keep the medical documents (including receipts and prescriptions for large amounts) in the outpatient department of the designated hospital. ), as a medical expense reimbursement certificate;

4. Outpatient treatment of three kinds of special diseases: when the insured needs to take anti-rejection drugs after radiotherapy and chemotherapy for malignant tumor, renal dialysis and renal transplantation, the second-and third-level designated hospitals where the insured sees a doctor will issue the Certificate of Disease Diagnosis, fill in the Application Form for Special Diseases of Beijing Medical Insurance, and report it to the district medical insurance center for approval and filing. Outpatient treatment and drug collection for these three special diseases are limited to designated hospitals that have approved treatment, and cannot be purchased in designated retail pharmacies. The medical expenses incurred meet the prescribed scope of outpatient special diseases, with reference to hospitalization settlement;

5. Hospitalization

● Hospitalization deposit: When the insured meets the hospitalization conditions, the hospital will collect part of the deposit of the insured, and the amount of the deposit will be determined by the hospital according to the illness. If the dispatched personnel unit and the insured fail to pay the medical insurance premium in full and on time, the hospitalization deposit shall be paid in full by the dispatched personnel;

● Settlement period: every 90 days of hospitalization of insured persons is a settlement period; No more than 90 days, each hospitalization is a settlement period;

● Medical expenses incurred by patients with malignant tumor after outpatient radiotherapy and chemotherapy, renal dialysis and renal transplantation taking anti-rejection drugs, as well as mental patients who need to be hospitalized all the year round, shall be settled every 360 days;

● The medical expenses incurred by the insured for family sickbed treatment in designated community health service centers (stations) shall be settled once every 90 days;

● When the insured is discharged from the hospital or at the end of the treatment stage, it is necessary for the dispatched personnel to settle with the hospital the expenses that should be paid by the dispatched personnel at their own expense and out of their own pocket, and the medical expenses that should be paid by the basic medical insurance pooling fund and the large medical mutual fund should be reported by the hospital to the medical insurance center for review and settlement;

● When the insured person is hospitalized, he shall set the settlement method of medical expenses within the scope stipulated by the basic medical insurance, and set the deductible line and the maximum payment limit of the basic medical pooling fund;

● The first hospitalization of the deductible line 1.300 yuan, and the later hospitalization in 650 yuan, with a maximum payment limit of 50,000 yuan; Mutual assistance for large medical expenses exceeding the maximum payment limit (excluding the part below the minimum deductible and the personal burden of dispatched personnel)

70% of the funds are paid, and 30% of the dispatched personnel are personally responsible. The maximum compensation for one year is 654.38+10,000 yuan. According to the hospital level and the amount of expenses in a settlement period, the settlement standard of hospitalization expenses is calculated by stages and paid cumulatively.

(When the proportion is adjusted, the new standard should be applied. )

Note: medical insurance for non-public traffic accidents is exempt!

Unemployment insurance benefits.

Unemployment insurance is paid continuously for more than 1 year, and the files are returned to the street. You can enjoy unemployment insurance benefits in the street.

1. Unemployment insurance: refers to the basic living expenses paid by the unemployment insurance agency to eligible unemployed people according to regulations, which is the most important unemployment insurance benefits. Unemployment insurance benefits shall be implemented according to relevant documents of Beijing;

2. Medical subsidy during the period of receiving unemployment insurance benefits: refers to the subsidy for medical expenses incurred by the unemployed during the period of receiving unemployment insurance benefits. According to relevant policies and regulations of Beijing;

3. Funeral subsidies for unemployed people who died during the period of receiving unemployment insurance benefits and pensions for their spouses and immediate family members shall be implemented in accordance with relevant regulations.

Work-related injury insurance enjoys treatment.

If an accident happens unfortunately during the contract period, you need to ask the enterprise for a description of the situation and affix the official seal of the enterprise, apply for work-related injury identification as soon as possible (preferably within three working days) and provide the following materials:

1, initial treatment diagnosis or hospitalization medical records;

2. Occupational disease diagnosis certificate (one original and one copy each);

3. If there is a traffic accident, provide a traffic brigade accident award or a traffic accident confirmation from the traffic department;

4. Copy of ID card;

5. Original labor contract within the validity period

Maternity insurance benefits.

Maternity-related expenses can be reimbursed.

The scope of reimbursement includes maternity allowance, maternity medical expenses, family planning operation medical expenses and other maternity-related expenses stipulated by the state and this Municipality.

Maternity allowance is calculated according to the payment base of the month when female employees give birth divided by 30 and multiplied by the number of days of maternity leave. Maternity allowance is the salary of female employees during maternity leave. If the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise.

Maternity medical expenses include medical examination expenses, delivery expenses, operation expenses, hospitalization expenses and medicine expenses incurred by female employees due to pregnancy and childbirth.

The medical expenses of family planning operation include the medical expenses incurred by employees due to family planning.

Now it is required to pay medical insurance for 20 years, pay pension 15 years to qualify for pension, and enjoy medical insurance reimbursement after retirement.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.