What does Shanghai social security include?

Social security, the abbreviation of social insurance, mainly includes basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Among them, industrial injury insurance and maternity insurance are not paid by the workers themselves, and the expenses are borne by the units.

Employees of the enterprise will enjoy five insurances and one gold handled by the enterprise during their employment. Apart from one gold, the other five insurances are what we usually call social security. Some employees working in Shanghai don't know much about what insurance Shanghai social security includes. Bian Xiao will explain it to you in detail in the following article.

1. What insurance does Shanghai Social Security include?

Social security, the abbreviation of social insurance, mainly includes basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Among them, industrial injury insurance and maternity insurance are not paid by the workers themselves, and the expenses are borne by the units.

Each insurance in social insurance has its own functions and benefits, which are mainly classified as follows:

1, the basic old-age insurance, the insured shall pay the minimum fee of 15 years according to the national regulations, go through the pension formalities when reaching the legal age, and receive the pension on a monthly basis.

2. Basic medical insurance Basic medical insurance mainly solves the problem that the insured is hospitalized due to illness or non-work-related injuries, and gives a certain proportion of reimbursement expenses to reduce the economic burden of the insured.

3, unemployment insurance, when employees are terminated by the unit for various reasons, in a state of unemployment, according to the provisions to give a certain amount of living allowance, also known as unemployment benefits.

4. Work injury insurance. If an employee is injured at work, the industrial injury insurance fund will bear the industrial injury treatment and related treatment expenses, reducing the burden on enterprises. It is also an important measure to ensure that employees of insured units are not compensated for poor economic benefits of enterprises.

5, maternity insurance, when employees have children. Subsidies and reimbursement of maternity expenses in accordance with regulations are also to reduce the burden on employees.

Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Second, the proportion of social security contributions in Shanghai

The proportion of social security contributions consists of individual contributions and unit contributions. The provisions of social security contributions vary from region to region, and the base is the total wages. Because the payment base and compensation base of the five major social insurance types, such as pension, work injury, medical care, maternity and unemployment, are all linked to the average salary of employees on the job last year, the increase of the average salary level will bring about the adjustment of various social insurance types.

1, endowment insurance:

The average monthly salary of employees above the individual payment is the base (the minimum number is 60% of the annual salary of employees in this city; The highest figure is 8% of the city's employees' wages in the previous year.

The unit payment is paid according to 22% of the employee's average monthly salary in the previous year. From June 65438+1 October1day, 2006, Ministry of Human Resources and Social Security adjusted the size of the individual pension account from 165438+ 0% of my contribution salary to 8%. The previous policy was that individual contributions and 3% unit contributions were all included in individual pension accounts, and unit contributions 19% were transferred to social pooling, while the new policy also included 3% of unit contributions in social pooling to solve the problem of empty accounts in pension accounts.

2. Medical insurance:

Taking Beijing as an example, the proportion of medical insurance payment: unit 10%, individual 2%+3 yuan;

3. Unemployment insurance:

Unit 1%, personal and industrial injury insurance:

According to the industry scope divided by the unit, the industrial injury rate is determined, and the industrial injury rate is between ~2%;

5. Maternity insurance:

Payment ratio: units and individuals do not pay.

Now everyone knows what insurance Shanghai social security includes, and China social security has covered the whole country, which has a good guarantee for people's basic life. Usually, in case of illness, work injury and other needs, social security can bear part of the expenses for the insured, greatly reducing the economic burden of the insured, and the endowment insurance in social security has a basic guarantee for the insured's retirement life.