Payment ratio of enterprises and individuals in Changzhou Five Insurance Company

I. Changzhou Five Insurance and One Gold Proportion The proportion of five insurances and one gold consists of the proportion paid by the unit and the proportion paid by the individual. The specific proportion of "five insurances and one gold" in Changzhou is as follows: endowment insurance: unit contribution ratio 14%, individual contribution ratio 8%. Medical insurance: the unit contribution ratio is 1 1.5%, and the individual contribution ratio is 2%. Unemployment insurance: the unit contribution ratio is 2%. Individual contribution ratio 1% (farmers do not pay). Maternity insurance: unit contribution ratio 1.2%, industrial injury insurance: unit contribution ratio 0.8%, individual contribution ratio 5%- 12%, housing accumulation fund: unit contribution ratio 5%- 12%.

Second, what are the benefits of paying five insurances and one gold? 1. The more individuals pay, the more the unit will invest for you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual. 2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and if you deposit it in the bank, there will be interest tax. 3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death. With the improvement of social living standards, it will only increase rather than decrease, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life. 4. Paying medical insurance can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement. 5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the maternity insurance premium is entirely borne by the unit. 6. Payment of unemployment insurance benefits You can get unemployment insurance benefits and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies. 7. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit. 8. Paying the housing provident fund is equivalent to the unit depositing a tax-free income in proportion to you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans. 9. After the implementation of the unified account pension insurance payment system, the actual payment period of social insurance has become the most convincing proof of the length of service of enterprises. There are more and more times when social security payment certificates are needed, such as proving social services to confirm the days of paid annual leave, for example, loans need to be paid in local social security for more than one year when real estate is regulated, and so on. 10, don't worry too much about inflation or currency depreciation, because the pension benefits are composed of two parts, and the personal account pension is completely formed by individual contributions. This branch has the same inflation risk as bank deposits; However, the basic pension is linked to the local social average wage and the individual indexed average wage, which is itself anti-inflation; And after retirement, it will increase capital every year with the local economic level. The more you pay, the longer you pay, and the higher the level of pension benefits after retirement. The above is the specific content of Changzhou hardware insurance ratio for you, and I hope it will help you. Among the five insurances and one gold, maternity insurance and industrial injury insurance do not need to be paid by employees, and other types of insurance are paid by individuals and units according to a certain proportion. At the same time, the unit pays more than the individual. In other words, the higher the payment base, the more the unit invests in individuals.