What is provincial social security?

Provincial social security generally refers to a kind of social insurance for government employees or retirees engaged in provincial units. For example, the payers of social security in Shandong Province include employees and retirees of provincial organs and institutions, central and provincial enterprises and their employees and retirees, and central and provincial self-supporting and enterprise management institutions and their employees and retirees.

The provincial social security card is a business card printing application submitted by the handling personnel of the insured unit. The handling personnel of the insured unit shall provide the personal information and photos of the insured to the Provincial Social Insurance Bureau, and notify the handling personnel of the unit to receive the social security card after the production of the social security card is completed.

On the premise of participating in medical insurance and paying medical insurance premiums in full and on time, cardholders can purchase medicines by swiping their cards at provincial designated medical institutions and retail pharmacies and enjoy corresponding medical treatment.

Social security is something we often come into contact with at work. When looking for a job, many people will first ask the employer whether there is social security, because social security includes old-age insurance, unemployment, medical care, industry and commerce, maternity and so on, which are all needed in our lives. So what does it mean to save social security? Provincial social security actually refers to the social insurance business of state-owned employers and provincial employers in this province. And their employees. It is based on the provincial administrative region as a whole, that is to say, the social security base is calculated based on the salary level of the whole province. In fact, it is not much different from the municipal social security, that is, the basic pension is somewhat different.

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With different payment bases, the payment base of provincial social security is generally higher than that of municipal social security.

The payment base of social security is related to the local average social wage in the previous year, and the salary of social commentary determines the payment base of five insurances. The higher the base, the more benefits you enjoy. What is the social security payment standard? Usually, there are two important concepts in individual social security payment, namely, the base and proportion of payment, and the payment standards between regions are similar.

Careful readers may find that the payment and collection of social security are inconsistent in different regions of China. Take the basic old-age insurance as an example. At present, the unit contributions in Shanghai, Beijing and Shenzhen are 2 1%, 20% and 13% respectively. Why is this happening? This is because, in the process of establishing the social security system in China as a whole, it did not realize national overall planning, but started from regional overall planning, which showed a highly fragmented feature in the early stage of development.

The master planning area is also called the master planning unit. According to Guo Fa [1998] No.44 document, in principle, administrative regions (including prefectures, cities, prefectures and leagues) above the prefecture level are determined as the overall planning units, and counties (cities) with a certain population can also be regarded as the overall planning units. In this way, counties (county-level cities), cities divided into districts, and provinces (autonomous regions, municipalities directly under the central government, and cities with separate plans) can all become overall planning areas, resulting in more than 2,000 one-time projects. Taking Suzhou as an example, the overall planning scope of Suzhou includes Canglang District, Pingjiang District, Jinchang District and High-tech Zone, while Xiangcheng District, Wuzhong District, Park and Suzhou City are all independent overall planning areas.

There are differences in regional overall planning. At present, the provinces and cities that have achieved provincial overall planning are Beijing, Shanghai, Tianjin and Shaanxi. The degree of overall planning of the five insurances is also different. The basic old-age insurance has basically achieved provincial overall planning, but the overall planning level of basic medical insurance is mostly limited to the municipal level.

Social security payment base

Social security payment should be based on employees' pre-tax wages, but the wages of wage employees are low and high. Those with low wages can only reach the statutory local minimum wage level, and those with high wages can reach dozens or even hundreds of times the average social wage level. In order to narrow the gap, it is stipulated that 60% ~ 300% of the average social wage is the payment base, and if the employee's payment wage is higher than 300% of the average social wage in the previous year, 300% of the average social wage in the previous year is the payment base; If the wages paid by employees are lower than 60% of the average social wage in the previous year, 60% of the average social wage in the previous year shall be the base of payment. For example, the average social wage 1000 yuan, the payment base can be 600 ~ 3000 yuan.

Under normal circumstances, the determination of employees' payment wages is not based on the actual salary of the month, but on the average monthly salary of employees in the previous year. Taking Beijing as an example, before April 1 every year, the human resources department of the unit will confirm the average monthly salary of the previous year (June 65438+1October/kloc-0+June 65438+February 3 1), and on this basis, determine the social security payment base from April of that year to March of the following year.

The statistical caliber of employees' wages should be calculated in strict accordance with the Provisions on the Composition of Total Wages issued by the National Bureau of Statistics in June 1990+ 10/. The total wage consists of six parts: hourly wage, piece-rate wage, bonus, allowance and subsidy (except for travel allowance, missed meal allowance and one-child allowance), overtime wage and salary paid under special circumstances. The following labor income of workers does not belong to the wage range: (1) social insurance benefits paid by the unit to individual workers; (2) Labor insurance expenses, such as work clothes, antidotes, heating, cool drinks, etc. (3) All kinds of labor remuneration and other labor income that are not included in the total wages according to regulations.

Social security contribution rate

Although there are some differences between regions, the proportion of payment in most overall planning areas is not much different from that in Beijing. Taking Tianjin as an example, the latest payment ratio is 28% for providing for the aged, 0/2% for medical care, 3% for unemployment, 0.8% for maternity and 0.5% for work-related injury. Five insurances account for 44.3% of the payment base, which is very close to Beijing.

Yes, but the cost is relatively high.