What is the personal minimum social security?

Policy reference given to you by Changsha: This is a unit payment, which is a unified collection of five insurances;

The social security payment base for 20 14 years is 3775 yuan, so 3775×60%=2265 yuan 3775×100% =1325 yuan; If your salary is less than 2265, it must be based on 2265; If it is higher than 1 1325, 1 1325 shall prevail; If it is between the two, it should be based on the actual salary.

These include:

1. Pension insurance:

The unit payment ratio is 20%-3775× 0.6× 0.2 = 453 yuan/month.

The individual contribution ratio is 8%-3775× 0.6× 0.08 =181.2 yuan/month.

2. Medical insurance

The unit payment ratio is 8%;

The proportion of individual contributions is 2%; In addition, we also need serious illness medical treatment in 90 yuan every year.

3. Unemployment insurance

The unit payment ratio is 2%;

The individual contribution ratio is 1%.

4. Maternity insurance

The unit contribution ratio is 0.7%;

Individuals do not pay.

5. Work injury insurance

The proportion of unit payment varies according to the proportion of different industries-0.25% for institutions; 0.5% for enterprises, institutions and first-class industries; 1% is the second industry; The tertiary industry is 2%;

Individuals do not pay.

Altogether, the unit pays 706.68 yuan in 20 14 years, and the individual pays 249. 15 yuan.

If there is no unit, you can only buy pension and medical care in the form of flexible employment:

Pensions can be:

60%: 3775× 0.6× 0.2 = 453×12 = 5436 yuan/year.

100%: 3775× 0.2 = 755×12 = 9060 yuan/year.

Medical care 60%: 3775× 0.6× 0.056 =126.84×12 =1522.08+90 (mutual medical care for severe illness) = 16 12.08 yuan.

If you haven't bought it, start buying it from 20 14. The average social wage is different every year, so the cost is rising.

If you have had a rest before, you can make up the rest before and calculate the monthly amount according to the average social wage in the rest year.

At present, Changsha's policy is to buy at least 15 years of old-age insurance to enjoy retirement benefits, otherwise you can only refund your money in these years.

20 1 1 Medical insurance cannot be interrupted after April. If you buy it yourself, men will buy it for 30 years and women for 25 years. There is no age limit for unit purchase.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.