Five major insurance bases in Jinan and Rizhao

Five insurances refer to several kinds of security benefits provided by employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance.

Five insurance payment ratio:

Pension insurance payment ratio: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account).

Proportion of medical insurance payment: 8% for the unit and 2% for the individual+3 yuan;

Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual;

Work-related injury insurance payment ratio: the unit pays 1% for you every month, and you don't have to pay a penny yourself;

Maternity insurance payment ratio: the unit pays you 1% every month, and you don't have to pay a penny yourself;

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the maximum shall not exceed 10% of the average wage of employees. Starting from the second half of 20 10, the city has uniformly stipulated that all employers should pay housing provident fund at 12% of their salary. Units and individuals are 65438+ 02% of salary.

Five insurance payment base allocation:

According to the Regulations on the Management of Housing Provident Fund in the State Council, the monthly payable amount for the next deposit year is calculated based on the average monthly wage income of employees in the previous year from July 20 13 to June 20 14 (the deposit year), that is, from 20 12 to 12.

The social insurance payment base is an important basis for calculating the insurance premiums paid by employers and their employees and the social insurance benefits of employees. The base determines the amount of social insurance premiums to be paid and affects the social insurance benefits of employees.

The average monthly salary of employees above the individual level is the payment base; The employer takes the sum of the individual payment bases of employees as the payment base. Wages of employees include hourly wages, piecework wages, bonuses, allowances and subsidies, overtime wages, wages paid under special circumstances, etc.

According to the policy, when the average wage income of employees in last year was lower than 60% of the average wage of employees in this city last year, 60% of the average wage of employees in this city last year was used as the base for payment, and 300% of the average wage of employees in this city in the previous year was used as the base for employers and employees to pay social insurance premiums, while the part exceeding 300% was not used as the base for employers and employees to pay social insurance premiums.

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