Does the average wage calculation include five insurances and one gold, and five insurances and one gold?

Five insurances and one gold? It refers to five kinds of social insurance and a provident fund. Five risks? Including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; ? A piece of gold? Refers to the housing accumulation fund. So does the calculation of average wage include five insurances and one gold? Let me find out whether the average salary calculation includes five insurances and one gold, which I hope will help you.

The calculation of average salary includes five insurances and one gold.

Provisions on the composition of total wages (DecreeNo. People's Republic of China (PRC) Statistics Bureau 1) stipulate that total wages consist of the following six parts:

(1) hourly wages; (2) piece rate; (3) bonuses; (4) Allowances and subsidies; (5) Overtime pay; (6) Wages paid under special circumstances. Article 47 of the Labor Law stipulates that the employer shall independently determine the wage distribution mode and wage level of the unit according to the production and operation characteristics and economic benefits of the unit.

Therefore, the salary calculation caliber is the same, but the calculation method of each unit is different, so you need to consult the employer for details.

Among the types of insurance that employees should participate in as stipulated in the Social Insurance Law, basic old-age insurance, basic medical insurance and unemployment insurance are jointly paid by employers and employees. The insurance paid by the individual withheld by the unit belongs to the employee's salary. Article 19 of the Regulations on the Management of Housing Provident Fund stipulates that the housing provident fund paid by individual employees shall be withheld and remitted from their wages by their units every month. Part of the provident fund paid by individuals also belongs to the wages of workers.

The monthly minimum wage in Lixia District, Shizhong District, Huaiyin District, tianqiao district and Licheng District of Jinan City has been raised to 1. 500 yuan since this year, and the rest counties (cities) have been raised to 1.350 yuan. The Notice on Several Specific Issues Concerning the Implementation of the Minimum Wage Standard (Lu Lao She Han [2006] No.387) stipulates that the social insurance premiums and housing accumulation funds that individual workers should pay should be included in the minimum wage standard.

The measure of average wage

On the issue of wages, people's feelings are getting stronger and stronger. General? Two words. From a purely theoretical point of view, with? General? It is necessary and desirable to express the change of residents' wealth level. However, if it is linked to real life and combined with the current social situation, then, on average? It may be difficult to objectively reflect the current social situation and the real living standards of the masses.

In a country with a big gap between the rich and the poor, the foothold of measuring the living standards and wealth growth of the people in this country should be placed on the society? Short salary board? On the other hand, it is lower than the average social income level and the social poverty line.

First of all, we must look at the population changes at these two levels. Analyze whether the crowds gathered at these two levels have increased or decreased. If it increases, it means that the gap between the rich and the poor in society is further widened, the phenomenon of unfair distribution of social wealth is further expanded, and social contradictions are likely to accumulate further. We must take effective measures to control the deterioration of this phenomenon. If it is reduced, it shows that the status quo is improving and can continue to develop according to this goal.

Second, the increase and decrease of people's income at these two levels. Are you online? General? In addition, how much has the income of people below the average income level increased? How much has the income of people below the poverty line increased? If the income growth level of people at these two levels is lower or much lower than the social average, it shows that the gap between the rich and the poor in society continues to increase, and various measures taken have no effect or limited effect, so policies and strategies must be adjusted.

Third, the changing trend of these two levels. On the one hand, look at the changing trend of people at these two levels, whether they develop in many aspects or in few aspects; On the other hand, look at the changing trend of these two income levels, whether it is sustained growth, the growth rate exceeds the social average, or other phenomena. Only by analyzing, understanding and mastering the trend can we make scientific judgments and decisions. Of course, social analysis? Short salary board? We can also start with the superstructure, economic base, regional differences and so on, but it may be the most realistic, urgent and necessary to start with income groups. Only by solving this short-board problem, the goal of increasing citizens' fiscal revenue will not become empty talk.

We said that if social wealth is seriously lacking and people are generally poor, what should we do? General? It is reasonable and scientific to reflect the increase of social wealth and the improvement of people's income level. However, when social wealth has accumulated to a certain extent and the gap between the rich and the poor in society has been widening, what if it is reused? General? This concept is difficult to reflect the real situation of society. Here? General? It is more likely to be a sign of the widening gap between the rich and the poor, rather than a manifestation of the improvement of social income level.

Application process of five insurances and one gold

Employee handling

1. Processing conditions are: if there is a work unit, it will be handled by the unit, and individuals will provide ID cards and photos;

2. Endowment insurance and medical insurance can be taken away with the job transfer;

3. Transfer of old-age insurance: find a new work unit, open an old-age insurance transfer form at the original unit, fill in the current work unit clearly (it is best to go through the original transfer procedures), and the social pension management department where the original unit is located will sign and seal the old-age insurance account transfer procedures, and the original unit will handle the old-age account reduction; Then go to the current unit to stamp for approval, and go through the formalities of accepting old-age care in the old-age insurance department where the current unit is located, and the number of people in the current unit will increase; After the transfer of old-age insurance, the current unit also participated in the old-age insurance for you. The two can be combined to calculate the payment period, and the retirement procedures will not be affected in the future! ! The transfer of medical insurance is basically the same.

4. Generally speaking, intermediate unemployment should pay social insurance on a monthly basis, or it can be interrupted according to its own situation;

5. Payment time can be determined according to relevant policies.

Unemployment treatment

Those who have no work units can only participate in social insurance according to the situation of freelancers, and can only participate in endowment insurance and medical insurance.

Endowment insurance: Bring my ID card, unemployment certificate and two 1 inch photos to the business window of the local social security center.

Medical insurance: after completing the formalities of endowment insurance, take the above materials and the well-run endowment insurance manual to the business window of the local medical insurance center. Just pay the fee normally according to the regulations.

Payment ratio of five insurances and one gold

The provisions of five insurances and one gold are different in each region, and the base is based on the total wages. Some enterprises pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department, and the payment ratio varies from place to place.

Pension insurance payment ratio: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account).

Proportion of medical insurance payment: 8% for the unit and 2% for the individual+3 yuan;

Unemployment insurance payment ratio: unit 0.8%, individual1%;

Work-related injury insurance payment ratio: the unit pays 1% for you every month, and you don't have to pay a penny yourself;

Maternity insurance payment ratio: the unit pays you 1% every month, and you don't have to pay a penny yourself;

For example, 20 13, the average wage of social workers in Yunnan province is 3682 yuan, and the average wage of social workers in Chuxiong prefecture is 3582 yuan. The minimum payment base is 3582 yuan *60%=2 149 yuan, and the payment is calculated according to the actual salary if the salary is higher than 2 149 yuan.

For welfare, such as illness can be reimbursed, retirement can get a pension, and unemployment can get subsidies. For the payment after the previous job-hopping, you can accumulate social security and calculate the payment period, and then go through the transfer procedures.

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the maximum shall not exceed 10% of the average wage of employees. Starting from the second half of 20 10, the city has uniformly stipulated that all employers should pay 1.

2% to pay housing provident fund. Units and individuals are 65438+ 02% of salary.

Among them, the individual is the right part, that is, 8%+ 1%+2%+7%= 18%, and the company is the left part, that is, 20%+2%+1%+7% = 39%. Cardinal number *18%; The total capital contributed by the company is Y= workers' salary+base *39%.

The contribution ratio of the first and fourth gold is not necessarily equal to your salary, that is to say, if the pre-tax salary is 4000, the contribution base is not necessarily 4000, which may be lower than this figure.

Four gold? It is the abbreviation of social insurance and housing accumulation fund, among which Shanghai social insurance includes endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance. Whether people who are currently employed in Shanghai can pay and enjoy social insurance and housing accumulation fund in Shanghai Labor and Social Security Bureau mainly depends on their household registration. Generally, there are the following situations:

Generally, the four gold base is the monthly salary, but if the salary is high (for example, more than three times the average monthly salary in your city last year), then the base is at the top. And if the salary is particularly low (for example, lower than 60% of the average monthly salary in your city last year), the base will also have a back cover.