What is the contribution ratio of five insurance and one pension for enterprise employees? How is the proportion of individual contributions calculated?

The company's five insurance and one gold includes the employee's pension insurance premiums, employees' basic medical insurance, unemployment insurance, maternity insurance and industrial injury insurance, and one gold refers to the provident fund, which is customarily referred to as five insurance and one gold. There are also companies that pay five insurance and two gold, that also covers the annuity.

Five insurance and one gold individual and unit bear the proportion of contribution

Employee pension insurance premium overall contribution ratio of 24%, in which the enterprise contribution ratio of 16%, credited to the integrated account, the individual contribution ratio of 8%, credited to the personal account; employee health insurance contribution ratio of 8%, in which the enterprise contribution ratio of 6%, credited to the treatment co-ordination fund, the individual contribution ratio of 2%, credited to the personal account; Unemployment insurance contribution rate is 1%, enterprises pay 0.5%, individuals pay 0.5%, all credited to the Unemployment Insurance Fund account; maternity insurance is 0.5% up and down, industrial injury insurance fluctuations based on industry characteristics. Maternity insurance and industrial injury insurance all by their units to pay, I do not constitute the proportion of contributions; provident fund contribution ratio of 5% to 12%, by the unit to determine the proportion of contributions, the employer company employees themselves in accordance with the same proportion of contributions, all credited to the personal account.

The contribution base of the five insurance and one gold

The five insurance and one gold in addition to the contribution ratio, but also involves the issue of the contribution base. Most of the five insurance contribution base is unified, some of the provident fund is in accordance with the number of annual salary to pay, some are in accordance with the five insurance contribution base to pay. Among them, enterprises pay a part of the fee, according to the total wages of the enterprise employees as a deposit base, the employees themselves according to their actual income as a deposit base. When their actual income is less than 60% of the average monthly income of employees in the previous year, according to 60% of the average monthly income of employees in the previous year as the contribution base; when their actual income is higher than 300% of the average monthly income of employees in the previous year, according to 300% of the average monthly income of employees in the previous year as the contribution base, and higher than 300% of the part of the contribution base is not calculated.

What percentage of social security does a freelancer pay?

If a freelancer is categorized as an employee who pays social security, he or she can only apply for two major types of insurance, namely, old-age pension and social medical insurance, but not unemployment, maternity and work-related injury insurance, and cannot pay for provident fund. If freelancers take monthly salary income as the number, it is not very clear how much monthly salary income is, so they have to follow the contribution base issued by the local social security organization as the contribution base, and choose freely between the low and maximum contribution limits. The contribution rate for social pension insurance is 20%, which is 4 percentage points lower than that of the enterprise. Of this amount, 12% is credited to the general account and 8% to the individual account. The contribution rate for health insurance is 8%, of which 6% is credited to the general fund for medical treatment and 2% to the individual account. The personal account is the money returned to the social security card each month.

In general, we have detailed the enterprise employees to pay the five insurance and one gold contribution ratio, each spoke of the department's contribution ratio and the individual should bear the proportion of the contribution in the individual part of the monthly salary on behalf of the payment; freelancers must be in the domicile location of the towns and cities belonging to the community or street social security for the social security website for social security payment account, before you can pay the normal pension insurance and The first step is to make sure that you have the right to pay your monthly salary on behalf of your family.