Proportion of social security to total wages

The ratio of social insurance to salary is: 1, the insurance unit rate is 20%, and the individual rate is 8%; 2, the medical insurance unit payment ratio is 8%, the individual payment ratio is 2%; 3. The contribution rate of industrial injury insurance units is 0.2%, and individuals do not pay; 4, maternity insurance unit payment ratio is 0.8%, individuals do not pay; 5. Unemployment insurance unit contribution rate 1%, individual contribution rate1%; 6. The contribution ratio of housing provident fund units and individuals is 12% respectively. Whether it is a public institution or a private enterprise, it will buy five insurances and one gold for employees. Five insurances and one gold are not only the guarantee of our work, but also closely related to our life.

Because the per capita income varies from place to place, the proportion of provinces and cities is also different. The following is an example according to the minimum wage standard: endowment insurance: company 1680*20%=336, individual1680 * 8% =134.4;

Unemployment insurance: company1680 *1%=16.8, individual1680 * 0.2% = 3.36;

Industrial injury insurance: company 1680*0.25%=4.2, individual 0;

Maternity insurance: company1680 * 0.8% =13.44; Personal 0

Medical insurance: company 2521*10% = 252.1,individual 252 1*2%+3=53.42.

To sum up: social security company overpaid = 336+16.8+4.2+13.44+252.1= 622.54.

How much does the social security individual pay =134.4+3.36+53.42 =191.18.

According to the relevant regulations, employees who participate in basic old-age insurance, basic medical insurance, unemployment insurance, work injury insurance and maternity insurance shall determine the payment base according to their average monthly salary in the previous year.

Generally speaking, the higher the salary, the higher the payment base of social security, and vice versa, but there are upper and lower limits on the payment base.

For people whose income is too high or too low, the upper and lower limits of the payment base should be set accordingly: if the average salary of employees in the previous year is lower than the lower limit, the lower limit will be used as the payment base; Above the upper limit, the upper limit is used as the base of payment; If the average monthly wage is between the upper limit and the lower limit, the payment base of endowment insurance shall be determined according to my actual wage income.

Five provinces of Beijing, Shanghai, Tianjin, Shanxi and Xinjiang announced the social security payment base of 20 18. Beijing's social security payment base is the highest, reaching 8467 yuan, which is the only region in China that reaches 8000 yuan at present. The payment base for calculating the basic old-age insurance benefits in Tianjin is 7073 yuan, and the treatment standards for work injury insurance, wages and benefits are calculated at 5607 yuan.

According to the regulations of Ministry of Human Resources and Social Security, the base of social security fees paid by an employer is the total wages of its employees, and the base of employees' contributions is their own wages. If my average monthly salary is lower than 60% of the local average monthly salary, I will pay 60% of the local average monthly salary; If it exceeds 300% of the average monthly salary of local employees, it shall be paid according to 300% of the average monthly salary of local employees.

14 The provincial social security payment base is expected to be announced. According to the regulations of Ministry of Human Resources and Social Security, all localities implement the linkage mechanism between the social security payment base and the average wage growth of employees, and the average wage of employees in urban non-private units announced by the statistics department is the average wage of employees, thus determining the upper and lower limits of the social insurance payment base. Therefore, after the statistics department announces the average wage of employees in the previous year, local social security agencies will determine the upper and lower limits of the payment base according to the new average wage.

Legal basis: Article 12 of the Social Insurance Law of People's Republic of China (PRC), the employing unit shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.