What are the social security payment methods?

First of all, the factory needs to bear a part of social security, and social security payment is divided into unit part and individual part. This situation in your factory is illegal.

Social security includes many items, which are generally paid according to five insurances and one gold, or three insurances and one gold.

Take five insurances and one gold as an example:

Endowment insurance: the unit pays 265438+ 0% of your salary base every month, and you pay 8% of your salary base yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 3~ 10 yuan serious illness co-ordination (serious illness co-ordination mainly covers hospitalization);

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself; Work-related injury insurance determines its work-related injury rate according to the industry scope divided by the unit, which is between 0.5% and 2%;

Maternity insurance: the company pays 0.8~ 1% for you every month, and you don't have to pay any money yourself;

Housing accumulation fund: the unit pays 8% for you every month, and you pay 8% yourself (the situation varies from place to place, so choose the proportion of housing accumulation fund according to the actual situation of the enterprise. But in principle, the maximum shall not exceed 10% of the average wage of employees)

Take three insurances and one gold as an example:

1. Old-age insurance: the individual contribution is 4% of the base salary, the enterprise contribution is 10% of the base salary, and the individual contribution reaches the legal normal retirement age.

2. Medical insurance: 2% of the salary base of individual contributions and 9.8% of the salary base of unit contributions in the basic medical insurance, of which 0.8% is deposited in individual accounts; Individuals in large mutual funds for medical expenses pay 3 yuan every month, and the unit pays 1% of the salary base. Personal illness, paid by the basic medical insurance fund and personal account * * *. Medical expenses that exceed the qifubiaozhun of the basic medical insurance pooling fund and should be borne by individuals in proportion. The insufficient part of personal account shall be paid by myself.

3. Unemployment insurance: 0.5% of individual contribution wage base and 1.5% of unit contribution wage base. Participate in unemployment insurance according to the regulations, and the unit and I fulfill the payment obligation according to the regulations for 1 year; Not because of my will to interrupt employment; Those who have registered for unemployment and have job requirements can receive unemployment insurance money.

4. Housing accumulation fund: individuals pay 8% of the salary base, and units pay 8% of the salary base. Individual purchase, construction, renovation and overhaul of owner-occupied housing; Retirement, complete loss of working ability, and termination of labor relations with the unit; Cities and counties where the registered permanent residence has moved out or settled abroad; Repay the principal and interest of the house purchase loan; If the rent exceeds the specified proportion of family wage income, you can withdraw the housing provident fund.