Social security overcharged? There is a big boss. Can you explain it?

The deducted social security fee is actually the cost of medical insurance for serious illness. In many areas, it was deducted from June+10 in 5438, and the standards for deduction were different. Some areas are tens of yuan, and some areas are hundreds of yuan. Among them, the payment standard of medical insurance for serious illness in Changsha is 130 yuan/year, with deduction in January. Want to know the local deduction standard, it is recommended to consult the local medical insurance bureau.

Serious illness medical insurance is used to supplement the basic medical insurance, and individuals who exceed the medical insurance limit pay their own expenses and are reimbursed twice. The reimbursement limit is much higher than the basic medical insurance, and the deductible line is also very high, but the reimbursement standards in different regions are different.

Social security payment refers to the act of participating in various social security insurances and paying premiums. Generally refers to the payment of social endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. Social security payment is divided into two parts: unit payment part and individual payment part.

development status

Entering 20 15, Tianjin, Chongqing, Fujian, Jiangxi and other places have implemented new social security payment base standards. Compared with 20 14, the social security fees paid by employers and employees have increased to varying degrees.

60%-300% of the average social wage is generally used as the base of social security payment. If the average wage is lower than the lower limit, it shall be calculated according to the lower limit, and if it exceeds the upper limit, it shall be calculated according to the upper limit. Due to historical and practical reasons, the average social wage is inflated, which cannot fully reflect the real situation of the average income of social groups. "

Therefore, the linkage mechanism between the social security payment base and the average social wage itself is debatable. In addition, the floating social security payment base will inevitably increase the payment burden of enterprises and low-income groups. How to balance the rights and obligations of the insured requires overall consideration and corresponding supporting measures.

Reduce the social security contribution rate. At present, the contribution rates of five social insurances in China, namely, pension, medical care, unemployment, work injury and maternity, are 36.6% for enterprises and 1 1% for individuals, which together exceed 40% of individual wages, and are on the high side in the world. Under the background of high social security contribution rate, it will undoubtedly further increase the burden of payment and affect the enthusiasm of participating in insurance.

The Third Plenary Session of the 18th CPC Central Committee clearly pointed out that the coverage of insurance payment should be expanded, and the social insurance premium rate should be appropriately reduced in a timely manner. The adjustment of social security payment base and rate must be carried out simultaneously, and the level of different income groups should be adjusted reasonably to reduce the burden of low-income people.