Hello, I want to ask if I have a social security account in Henan and then go to work in Gansu, can I open a new account and pay various insurances and medical insurance?

Medical care, pension, maternity, work injury, unemployment insurance, housing provident fund

The specific social security composition ratio is:

Endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major 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;

Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself.

Most importantly, in this way, the proportion of social security paid by the company for you every month should be 21%+9%+2%+0.5%+0.8%+8% = 41.3%.

Your monthly social security payment should be 8%+2%+10+1%+8% =19%+10.

Leaving aside Yuan You's 10 for the time being, the ratio paid by the company and yours should be 4 13: 190, that is to say, if.

You pay 190 yuan social security for you every month, so the company will put 4 13 yuan into your social security account, and the money added to your social security account every month should be 4 13+ 190=603 yuan, so the social security fee paid by the company is actually more than twice that of you.

Back to three insurances and one gold and five insurances and one gold, everyone should have seen it here. In fact, the three insurances and one gold mentioned in Jianghu are completely equal to five insurances and one gold, except that the three insurances and one gold come from the insurance paid by you personally (pension+medical care+unemployment+provident fund), and the five insurances and one gold come from the insurance paid by your company (pension+medical care+unemployment+work injury+maternity+provident fund). Just say that three insurances and one gold are five insurances and one gold.

In addition to the company can pay you social security, in fact, people who don't have a job but have income, or people who have a company but don't pay social security can also pay social security themselves, but individuals can only pay endowment insurance+medical insurance, work injury, maternity, unemployment and provident fund, which you can't pay personally.

Here is what is the social insurance payment base.

Just now, we all know that the monthly social security payment ratio of the company is almost 4 13: 190, so now there is another question: What is the relationship between the monthly social security payment and this ratio? How is the social security fee determined?

You may not have noticed that every province and city issues a "minimum payment base for social insurance" at the beginning of July every year. This base is based on the average salary of employees+welfare+various subsidies in the previous year, which is determined after statistical calculation. The minimum base number announced by Nanjing in July this year is 1 189 yuan. What does this mean? It means that as long as Nanjing is a regular organization that pays social insurance for employees, the minimum monthly payment for each employee is1189× 41.3% = 491yuan, and the employees must at least pay189×19%+.

But now there is a new problem. The wages of employees in Nanjing vary greatly. Some people earn 1000 a month, while others earn 10000 a month. Does it mean that people who get 1000 pay the same social security fee as those who get 10000? Please note that this 1 189 is the lowest radix, and there is a highest radix above 1 189. Nanjing's highest base this year seems to be more than 8,000. I forgot the details, too Anyway, if your salary is below 1 189 yuan per month, the company must also pay189 yuan +089 × 4 1.3% = 49 1 yuan, and you must pay at least/kloc-0 per month. This is the significance of 1 189 as the minimum payment base of social security: even if you get 1000 or 800 yuan a month, you have to pay the minimum amount of 1 189 every month!

However, if your salary is higher than 1 189, for example, you pay 3,000 yuan a month, and your company goes to the Labor Bureau to pay insurance for you (the social security fee paid by your company has been deducted by the Labor Bureau), you should say to the Labor Bureau, "We have a comrade here who pays 3,000 yuan a month, so please deduct the social security fee according to the standard of 3,000 yuan." Then the Labor Bureau will deduct your company and your money based on 3000 yuan, and then pay it to your social security account. At this time, your company will pay you 3000×4 1.3% = 1239 yuan every month, and you will pay 3000× 19 yuan every month.

That is to say, if your salary is below 1 189 yuan, then you should pay according to 1 189 every month; If your salary is above 1 189 yuan, you will pay according to your actual salary every month, unless your salary is higher than the maximum base. If you get 10000 a month and the maximum base is 8000, you and your company will pay it according to 8000. Here, I want to expose the shameless practices of some companies. These companies may give you thousands of wages every month, but when you go to the labor bureau to declare your base, you will not report it according to your actual salary. For example, if you take 3,000 yuan a month, they may say that you only take 1 189×6589 yuan, and then the labor bureau will only deduct you 1 189×659 yuan a month. If so, then your company is shameless! Because the company pays twice as much as you, the less you pay, the less they pay! If calculated according to your actual salary of 3,000 yuan, they should pay you 3000×4 1.3% = 1239 yuan per month, while if calculated according to 1 189×4638, they will only pay you/kloc-0 per month. So in fact, you suffered a big loss! Regular companies will only report to the labor bureau according to your actual salary and deduct money! Only those cheap companies will pay you according to the minimum standard no matter how high your salary is! ! Don't think that the less you deduct from your social security fee every month, the better! ! Maybe you have been shamelessly bullied by the company and you have no idea! ! ! It's simple to determine the base number paid by the company for you: 300 yuan social security is deducted every month, and your base number is almost 300÷ 19%≈ 1578 yuan. See if your salary is this amount. If your salary is significantly higher than 1578, for example, you actually get 3000 or 4000 a month.

Sue when you are ready, or you can't get along in the company after you sue-+

Explain again that the proportion of social security varies from place to place. If you are not in Nanjing, your contribution rate is probably not 19%, but it will certainly not be too bad. For example, your base number may be 20% or 22%, but it will never be 30% or 40%! So although 19% is the proportion of Nanjing, students from other places can also use it to calculate their own base.

Here's what these social insurance premiums are and how to use them.

As mentioned earlier, social insurance = endowment insurance+medical insurance+industrial injury insurance+maternity insurance+unemployment insurance+housing accumulation fund.

Let's talk about endowment insurance first.

Generally, this insurance will be paid after 15 years before you retire, so students who want to get a pension must start paying before 15 years before you retire. This is similar outside Nanjing. If you pay the old-age insurance at retirement age and have not reached 15 years, the state will refund all the 8% pension stored in your personal account when you retire.

Then you will ask, where is the 2 1% paid by the company?

You can't expect the country to give it to you. After you retire and take away your personal money, the state will transfer all 2 1% of the money paid by the unit to the national pension fund. From then on, the money has nothing to do with you. You might say: damn it! That's my money. Why not give it to me? Because that's what the state stipulates, when returning money, only the money withheld by the individual will be returned to the individual, and the money paid by the unit for him has contributed to the country-

Let's take a look at how your pension is calculated when you retire.

The algorithm of pension is very complicated, because the country will change the payment base once a year. For example, you are now 30 years old, and your current payment base is 3,000 yuan. If the retirement age is 55, then you must start paying the old-age insurance before you are 40 years old. If you start paying at the age of 30 now and pay for 25 years at the age of 55, then you must enjoy the pension first. Secondly, if your contribution base of 3,000 yuan becomes 6,000 yuan in 25 years (I mean if), then at the age of 55, you can get a basic pension of 6,000× 20% =1.200 yuan every month, which is given to you by the state. Besides, you have accumulated a lot of money in your personal account for 25 years. Average the payment base, (3,000 yuan), so there should be 4,500× 8% (the proportion of old-age insurance paid by individuals) × 25× 12 months =108,000 yuan in your personal account in these 25 years, then you can get/in addition to the previous 1200 yuan.

In this way, except your own 900 yuan for one year, you will get more money every month after retirement than 1200 yuan, and your pension will definitely increase.

Therefore, the more pension insurance you pay, the better. The more you give, the more you enjoy after retirement. And after the country adjusts the base every year, you will get more and more money. It is possible to cross 1000 years later and get 1500. There is an abnormal policy here, that is, no matter where you pay social security fees, when you retire, you can only go back to your household registration and enjoy local retirement benefits. Let me give you an example. If you worked in Nanjing when you were young, paid social security for 20 years and then retired, but if your hukou is in Heilongjiang, you must go back to Heilongjiang to enjoy the old-age care.

Kim. If you have paid in Nanjing for 20 years, the average base is 3000 (I said if), and when you retire, the base of payment in Heilongjiang is only 1000 (I said if), then you can only enjoy 1000 when you retire! This is a loss! In short, if you pay social security in a rich place and retire to a poor place to enjoy social security, you will pay a lot but enjoy very little in your life! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is nothing we can do. This is a national policy. So please pay attention to all students who are currently registered in places with low base such as the west, but work in places with high base such as Beijing or Shanghai. Either you pay social security in the west, or you move your registered permanent residence to Beijing or Shanghai before you retire, otherwise you are doing a huge loss-making business in your life.

Then maybe you will say, if my registered permanent residence is in Nanjing, it's good for me to pay in Heilongjiang for 20 years, pay in a place with a low base, and enjoy high welfare after retirement. No! Do you think Nanjing Labor Bureau lets you enjoy it like this? ! Generally speaking, Nanjing will find reasons to directly refuse your transfer! You will be smarter than you at that time: Heilongjiang can't enjoy it, and Nanjing can't enjoy it! But some places have some loose regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay a high base in Nanjing for five years before allowing you to return to Nanjing to enjoy a pension. This policy is estimated to vary from place to place. Students who plan to transfer in the future had better go to your local labor bureau to find out about this problem now, so as to avoid accidents when they retire!

Let me talk about medical insurance.

The policy of this insurance country is not bad. What's important is that many hospital reimbursement claims say that the monthly medical insurance paid by the company is 9%, and your monthly medical insurance is about 2% plus 10 yuan. It doesn't matter if you are hospitalized for this serious illness, and in that 1 1%, the state will transfer 2% of yourself to your medical insurance account every month. If you pay social security according to the minimum base 1 189 yuan every month, then 1 189×2%=23.78 yuan is the money that the state calls you personally every month. You can accumulate this money to buy medicine or see a doctor directly by credit card, and the remaining 9% will be included in the medical pooling fund.

According to the regulations of Nanjing, those who started to pay medical insurance from June 5438+ 10, 2007, began to swipe their cards to buy medicines or go to outpatient clinics in February 2007, and hospitalization expenses can be reimbursed from July 2007. The report is quite complicated, such as:

If you were hospitalized in August 2007 1 and lived in the best tertiary hospital in Nanjing, all the drugs used during hospitalization were within the scope of medical insurance, and the expenses of surgery and hospitalization were 5,000 yuan, then the medical insurance center deducted 1 1,000 yuan when reimbursing, which is the starting price, and the remaining 4,000 yuan can be reimbursed 4,000 yuan. You only need to pay 4000× 14%=560 yuan, plus the previous starting price of 1000 yuan. After spending 5000 yuan, you only need to pay 1560 yuan, which 1560 yuan can be deducted from your medical insurance card (if you don't use that card often). So in fact, hospitalization won't cost you much. Medical insurance is much more important to us young people than old-age insurance. After all, hospitalization is too fucking expensive, which is also the most important significance of participating in social insurance. However, Nanjing stipulates that after retirement, you must pay 25 years of medical insurance to enjoy it for life, so if you retire at the age of 55, you must start paying medical insurance at the latest at the age of 30.

Let's talk about industrial injury insurance.

This kind of insurance is rarely used in practice, and I don't have much contact with it. Need to be reminded that this insurance will be used if you have an accident at work or at work.

However, in practice, many people do not pay attention to the preservation of evidence, resulting in the inability to enjoy work-related injury insurance. This is a pity. If you get hit by a car after work, you should call the police as soon as possible and let the police investigate the records and take photos to collect evidence. The police will give you an accident appraisal certificate after handling it, and you can take it to the unit to ask for a work-related injury report. If something happens to you, you'll let people get away, and you won't call witnesses or call the police. It won't be like this without evidence.

Adoption is regarded as a work-related injury

There is also a time limit for work-related injuries. If you have a work-related injury on July 1 2007, you must report it to the unit immediately, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of seeing a doctor or being hospitalized after the work-related injury to the unit, so that the unit can take these materials for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August 1 2007. If it has been more than one month since the date of work-related injury identification, the work-related injury may not be identified. If your company doesn't appraise you, you can take the materials to the appraisal center for appraisal, and it's better not to exceed one month, otherwise it will be very troublesome.

Let's talk about maternity insurance.

Let's take this for example. If you are a girl, your monthly salary is 1 0,000 yuan, and you started to pay maternity insurance in June 2007 at 65438+ 10/.The payment base is 1189, but you were pregnant in March 2007 and in 2007. Then after you leave the hospital, you should quickly submit all the materials such as marriage certificate (unmarried children can't be reimbursed)+one-child certificate (generally speaking, two children can't be reimbursed)+medical records+all invoices for building a large and small card check and hospitalization surgery fees+hospitalization list+discharge summary to the company. If the pregnancy test costs 500 yuan and the hospitalization and operation costs 2000 yuan, generally speaking, it can be fully reimbursed within the company's medical insurance coverage. The money given to you after reimbursement includes: 500 examination fee +2000 hospitalization operation fee+1 189 yuan/month× 4 months = 7256 yuan, 1 189 yuan/month× 4 months, which will be reimbursed by the medical insurance center. The state stipulates that the average salary of a girl in maternity insurance reimbursement must be four months, so if you give birth to a child for reimbursement, you can earn four months' salary without spending money! If your basic salary is higher than your salary, for example, 1000 yuan is 1 189, then you still make money. Maternity insurance must be paid for one year to enjoy, remember to remember.

There is another problem, boys also pay maternity insurance ~ so can boys enjoy maternity insurance?

If you are a boy, your wife doesn't have a job or her work unit doesn't pay insurance, and you paid maternity insurance when she gave birth.

Maternity insurance can be reimbursed for more than one year, but taking the previous example as an example, only 500 examination fee+half of 2000 hospitalization operation fee can be reimbursed = 1.250 yuan, and you can't enjoy 1 189 yuan/month ×4 months' salary subsidy! This is only for girls to enjoy reimbursement ~

For the same expenses, girls can get 7256 yuan for reimbursement, and boys can only get 1250 yuan for reimbursement, which is probably a rare policy of "discriminating against men"-+

Therefore, it is best for girls to make plans before giving birth and start looking for a company to pay maternity insurance one year in advance, so that they can make money! If a boy wants to marry a wife, he'd better marry a girl who paid maternity insurance for one year when she gave birth, and her salary is higher than her own! But it doesn't matter if she really doesn't have insurance, you can also reimburse her for maternity insurance, but you won't get the subsidized four-month salary, and you can only get back half of the newspaper's expenses.

unemployment insurance

Unemployment insurance takes one year to enjoy. Generally, it takes two months to pay 1 year, and four months to pay for two years, but it takes up to 24 months for a lifetime. Let's give an example:

If you started to pay insurance in June 5438 +2007 10, and were dismissed from the company in June 5438 +2008 10, you can ask the company to give you unemployment insurance for two months. If you pay insurance based on 5438+0 189 in June this year, you can get 800 yuan or 200 yuan at least in two months. June 5438 +2008 10, your contract with the company expired. If you don't want to renew your contract, you can also ask the company to provide you with unemployment insurance for two months and then leave your job, more than 800 yuan. In other words, when the contract expires or the company dismisses, you can ask the company to give you unemployment benefits for two months a year.

Do it. If the company doesn't do it for you, you can sue, one for each person.

However, if you resign before the expiration of the contract, even if you have paid 1 year, you will not enjoy unemployment insurance. As long as you resign, don't pay 1 year. Even if you pay1year unemployment insurance, you won't get a penny until you resign.

Housing provident fund is a good thing.

Let's just say that if you pay 200 yuan into the provident fund every month, the company will also pay 200 yuan into your account every month to buy a house.

This is 400 yuan. If you pay 50,000 yuan in your life, your account will be 6,543,800 yuan. Don't refuse such a good thing.

Provident funds can be used to buy a house, repay loans, decorate and so on. If your family can find a place to build a house, the money for building a house can also come from the provident fund.

If you haven't been using the money, it seems that you can withdraw all the money when you finally retire.

[Advanced] Supplementary explanation [5KB] Let's talk about the difference with Nanjing first. Magic is not allowed to pay medical insurance, which means that the social security center is a package.

Including pension, medical care, unemployment, work-related injuries and maternity, do not have to pay the provident fund, because it is under the jurisdiction of the provident fund center.

The specific social security composition ratio is:

Endowment insurance: the unit pays you 22% every month, and you pay 8% yourself;

Medical insurance: the unit pays you 12% every month, and you pay 2% yourself;

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;

Maternity insurance: the unit pays you 0.5% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 7% every month, and you pay 7% yourself.

Supplementary housing provident fund: the unit pays you 8% every month, and you pay 8% yourself (this is only available to state-owned enterprises with good general benefits, and the proportion is determined by the company itself, so it is very ethical for general companies to pay provident fund).

Another thing to talk about is the relationship between social security and individual tax adjustment.

When paying individual tax adjustment, the taxable base is calculated after personal deduction, but it should be noted that the part of the provident fund and supplementary provident fund that exceeds 12% (the part paid by individuals and enterprises) also needs to be calculated in the taxable base. For example, the above-mentioned 7% provident fund and 8% supplementary provident fund add up to 15%, then 3% deducted by individuals will be included in the taxable amount. At the same time, the 3% part of the enterprise, although not deducted from the personal salary, is still included in the tax base, that is to say, the individual will pay for the tax adjustment of this fee.

Medical insurance is used in this respect, and the way to transfer to personal accounts varies from place to place. What I like to say is that Nanjing turns monthly, and many places turn yearly. Specifically, the medical insurance year is from April 1 day to March 3 1 day of the following year, and the change of social security payment base is also determined in the first half of April. On April 1 day, the medical insurance bureau will advance the personal medical insurance of 1 year (that is, the 2%) to the personal medical insurance card account according to everyone's social security base, but there is a problem at this time. On April 1 day, when the social security base has not been established in that year, the medical insurance bureau can only predict the personal medical insurance premium in that year according to the base of the previous year. What should we do about this difference? That is, in April of the following year 1 make up for the underpayment or deduct the overpayment.

Maybe such a long paragraph seems troublesome, so give an example.

Someone's average monthly income in 2004 was 5,000 yuan, in 2005 it was 4,000 yuan, and in 2006 it was 6,000 yuan. When the medical insurance bureau injected the amount into the personal account on April 1 2006, the social security center had not approved the payment base in 2006 (i.e. the average monthly income in 2005), so the medical insurance bureau still calculated the annual personal account amount according to the payment base in 2005 (i.e. the average monthly income in 2004), i.e. 5000 * 2% * 10.

4000*2%* 12=960, so the extra 240 yuan will be deducted on April 2007 1. At the same time, the personal New Year funds credited to the account in April 2007 1 diary are still 960 yuan (actually, it should be 6000*2%* 12= 1440 yuan), and the underpaid 480 yuan will make up on April 1 2008. So because most people have different payment bases every year, almost everyone's general ledger in March and April is the same.

The amount of accounts seen over the years is different, which is generated when the medical insurance bureau does annual expense accounting.

There is also a time limit for work-related injuries. If you have a work-related injury on July 1 2007, you must report it to the unit immediately, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of seeing a doctor or being hospitalized after the work-related injury to the unit, so that the unit can take these materials for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August 1 2007. If it has been more than one month since the date of work-related injury identification, the work-related injury may not be identified. If your company doesn't appraise you, you can take the materials to the appraisal center for appraisal, and it's better not to exceed one month, otherwise it will be very troublesome.

This is supplemented. There are two ways to declare work-related injuries. One is declared by the company, which is valid within 30 days, just like the love above, and the other is declared by the individual, which is valid within one year. However, due to injury or other reasons, the longer the delay, the less evidence. Personal declaration will also delay a lot of time and energy because you don't understand the process.

In terms of maternity insurance, for those who have had abortion, dystocia, multiple births and premature births, please see the following links. Although it is Shanghai's policy, there are similarities everywhere.

Shanghai and Nanjing may have different policies, and the company will never take care of this reimbursement. Are directly linked to pregnant women through medical insurance. During the check-up, production and hospitalization, all the projects in medical insurance coverage will be paid by medical insurance. Of course, self-funded projects (such as advanced wards, self-funded drugs, etc.) still have to be borne by themselves.

After having a good baby, I went to the medical insurance bureau to apply for maternity allowance. The medical insurance bureau gave me 3000 social security, and then gave me three months' income from the payment base. Late childbearing plus half a month, multiple births, one more plus half a month.

If the average wage income in the previous year is greater than the upper limit of the social security payment base, then social security will only pay the part of the payment base, and the rest will be paid by the company.

For example, someone's average wage income in the last year is 10000, and the social security base is capped at 7392.

Then the monthly income paid by social security is 7392, and the rest 10000-7392=2608 is paid by the company.

(Although I think this situation is not easy for readers in the cloud to encounter =. =。 . )

In fact, there are two key points:

1, full payment before childbirth 1 year.

2. The social security payment base is declared normally.

Therefore, students, especially female students, should not think that the base declared by the company doesn't matter, and even be glad that their salary is high because of the low base. That's when you see the problem!

This is also the reason why so many female employees prefer to stay in places where wages are low but social security is fully declared. For one thing, small places don't like unmarried female workers, and for another, maternity insurance is a big income supplement. For example, a person's normal salary is 3000 yuan, but her year-end bonus income and other bonus income are included in the social security base declaration, so the monthly average may reach 5000 yuan. At this time, the income of the children in the first few months is 5000 yuan in January.

If you haven't been using the money, it seems that you can withdraw all the money when you finally retire.

Not seemingly, but absolutely!

Moreover, the interest of provident fund loans is much lower than that of commercial loans, which is also a big advantage.

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