Shenyang five insurance and one gold payment base

Shenyang five insurance and one gold payment base

What is the latest social security policy of five insurances and one gold in 2023?

1. The employer cannot refuse to pay the insurance premium for the employee on the grounds that the employee agrees not to pay the "five insurances and one gold".

2. Simply put, it is normal retirement, but individuals pay social security until they pay 15 years, and then receive pensions. The new social security policy stipulates a new social security policy: the first one, one-time payment. Is to directly pay the remaining years in one lump sum. This method is the most popular, but the threshold is also relatively high.

3. So we say that the payment standard of five insurances and one gold usually includes the second half and the first half, and the relevant payment standard will change every July.

4. Pension insurance unit 2 1%, individual 8%. Medical insurance unit 9%, individual 2%+3 yuan. Unemployment insurance unit 2%, individual 0%. Industrial injury insurance pays 0.5%. Maternity insurance payment 1%. Housing accumulation fund: the employer pays the housing accumulation fund at 12% of the salary. Units and individuals are 65438+ 02% of salary.

Base and proportion of five insurances and one gold payment

1, calculation formula of payment base for five insurances and one gold: monthly payment amount = monthly payment base × payment coefficient (Note: the monthly payment amount is the insurance amount paid in the current month, the monthly payment base is the taxpayer's pre-tax salary, and the payment coefficient is the payment coefficient corresponding to different people in different regions every year according to national regulations. Basic old-age insurance: salary base paid by individuals ×8%.

2. The proportion of individuals paying five insurances and one gold should be 8%+2%+0.2%+ 12% = 22%, which means that the total proportion of individuals paying five insurances and one gold is 22%. Five insurances and one gold refer to the general term of the security benefits provided by the employer to employees according to regulations.

3. The payment base of five insurances and one gold is generally 60%-300% of the average salary of employees in the previous year.

4. In terms of "five risks", the sharing ratio between units and individuals is generally: 20% for pension insurance units and 8% for individuals; The medical insurance unit bears 6% and the individual bears 2%.

5. The payment base of five insurances and one gold is 60% to 300% of the average social wage. Social insurance base, referred to as social insurance base, refers to the social insurance payment base of employees in a social security year.

6. The concept of five insurance and one gold payment proportion base and the concept of payment wages. When we say payment wages, we mean wage income that can be included in the scope of paying social insurance premiums. According to the current policy, payment wages are wages included in the total wage statistics according to the provisions of the national statistical department.

New policy of five insurances and one gold in 2023

Employees' social security fees are paid on a monthly basis, and the five insurances are paid on a monthly basis according to the standard. Units and individuals bear different proportions. Social security units should bear 15% endowment insurance, 9% medical insurance, 0.5% unemployment insurance, 0.2% industrial injury insurance and 5% residual insurance.

The new medical insurance policy in 2023 is mainly reflected in the following three aspects: more outpatient reimbursement, higher annual reimbursement limit, higher proportion of general outpatient reimbursement and wider reimbursement scope.

Payment standard of five insurances and one gold in 2023

The social security payment base of five insurances and one gold generally refers to the salary of the current month. The social security payment base is 60%-300% of the average social wage. For example, the average social wage 1000 yuan, and the payment base can be 600 yuan-3,000 yuan.

The upper limit of the basic medical insurance payment base for urban workers is adjusted from 17424 yuan to1856/kloc-0 yuan, and the lower limit is adjusted from 3485 yuan to 37 12 yuan. The upper limit of the payment base of work-related injury insurance and unemployment insurance in Baoyuan Town is adjusted from 17242 yuan to1856/kloc-0 yuan, and the lower limit is the monthly minimum wage standard for employees of enterprises in Guangzhou, that is, 1895 yuan.

Subjective law: three insurances and one gold are deducted from the personal part: 8% for old-age pension in 240 yuan, 2% for medical care in 60 yuan, unemployment1%in 30 yuan, and 7% for provident fund10 yuan, accounting for 18% of the total salary, so it is 3000-240-60-2/kloc-0.