Qingdao Minimum Social Security Payment Standard

The minimum social security payment base in Qingdao is 3269 yuan. When paying social insurance in China, it is necessary to determine the minimum payment base strictly according to the employee's own salary, which is actually determined according to the minimum wage standard of the previous year.

1. What is the minimum social security payment base in Qingdao?

The minimum payment base for employees of social security enterprises in Qingdao is 3,269 yuan, and the social insurance payment ratio is:

1, pension insurance? : The unit contribution ratio is 16%, and the individual contribution ratio is 8%;

2. Medical insurance: 8.5% for the unit and 2% for the individual.

3. Unemployment insurance? : 0.7% for the unit and 0.3% for the individual;

4. Work injury insurance? : It is divided into eight categories according to industry category, which are 0.05%, 0. 1%, 0. 18%, 0.23%, 0.28%, 0.33%, 0.4% and 0.48% respectively, and employees do not pay fees;

5, maternity insurance fund into the employee medical insurance fund, no longer separate maternity insurance.

2. What kinds of social insurance are there?

1, endowment insurance

Endowment insurance is a social insurance system in which workers get certain economic compensation, material help and services from the government and society after reaching the legal retirement age. State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, institutions and their employees who implement enterprise management must participate in the basic old-age insurance.

The contribution rate of new insured units (referring to various enterprises) is 10%, and the individual contribution rate is 8%. Individual industrial and commercial households and their employees, flexible employees and other personnel who are insured in the form of individuals have different rates according to the payment period. Individual workers who participate in the basic old-age insurance, the payment base can be high or low within the prescribed scope, and more contributions will benefit more. To receive a monthly pension, employees must reach the statutory retirement age and have gone through retirement procedures; Units and individuals have participated in the old-age insurance according to law and fulfilled the obligation to pay the old-age insurance; Personal payment must be at least 15 years.

2. Medical insurance

The basic medical insurance system for urban employees is a social security system based on the affordability of finance, enterprises and individuals to ensure the basic medical needs of employees.

All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc. ), organs, institutions, social organizations, private non-enterprise units and their employees must participate in the basic medical insurance. The basic medical insurance fund for urban workers consists of the basic medical insurance social pooling fund and individual accounts.

The basic medical insurance premium consists of the employer and the employee's personal account. The basic medical insurance premium is paid by both the employer and the employee, of which, the employer pays 8% and the individual pays 2%. Part of the medical insurance premium paid by the employer is used to establish a social pooling fund for basic medical insurance, which is mainly used to pay for hospitalization, outpatient service for special chronic diseases, rescue and first aid expenses of insured employees.

Personal account funds are mainly used to pay the expenses of the insured for medical treatment and drug purchase in designated medical institutions and retail pharmacies. The part of the personal account that is exhausted or insufficient is paid by the insured in cash, and the personal account can be carried forward and inherited according to law. Insured employees are hospitalized due to illness, first pay the hospitalization deductible line, and then enter the overall fund and individual employee payment period.

3. Work injury insurance

Industrial injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased.

Work-related injury insurance premiums are paid by employers, and the collection rate of work-related injury insurance premiums in industries with high incidence of work-related injuries is higher than the general standard. On the one hand, it is to ensure that the industrial injury insurance fund can fully pay the industrial injury insurance benefits of employees in these industries. On the other hand, through the collection of high rates, enterprises can have a sense of risk, strengthen the prevention of work-related injuries and reduce the casualty rate.

4. Unemployment insurance

Unemployment insurance is a system enforced by the state through legislation and set up by the society to provide material assistance to workers who have temporarily interrupted their livelihood due to unemployment.

5. Maternity insurance

Maternity insurance is aimed at the physiological characteristics of fertility behavior. According to the law, when working women temporarily stop working and lose their normal income due to childbirth, the state or society provides them with material help. Maternity insurance benefits include maternity allowance and maternity medical services.

Social insurance is very important for ordinary workers, because social insurance covers a wide range, such as old-age insurance, and some medical expenses can be reimbursed, and China also has the lowest social insurance payment standard.

legal ground

Social insurance law

Article 63

If the employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.

If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.

If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, and the proceeds from the auction will be used to offset the social insurance premium.