What is the use of personal social security paid by the company

Can protect life. Social security includes five insurance: pension insurance, medical insurance, maternity insurance, work injury insurance and unemployment insurance. Come to see how each of them specifically use: pension insurance _ are aware of the pension to pay a cumulative total of 15 years before you can retire to receive a monthly pension, try not to interrupt during the payment period, but also do not pay 15 years on the payment, because this is also the more you pay, the more you receive. Medical insurance ___ will pay every month, the company and the individual each bear a part, the more you pay, the higher the reimbursement rate and amount, employee health insurance comprehensive reimbursement rate of 50% -60%, but we should pay attention to only in the social security directory of the proportion of reimbursement, social security directory outside of the completely out-of-pocket expenses. The main reimbursement is for hospitalization costs, but outpatient costs will also be partially reimbursed after the 2020 reform, but there is a certain threshold, and if it is lower than the threshold, you still have to pay for it completely out of your own pocket.

Now the reimbursement part of the hospitalization can be directly reduced, and other out-of-pocket expenses can be paid directly from the individual balance of the health insurance card. If the temporary foreign medical treatment, do the foreign medical record and in the local use of medical insurance card similar, if not reported to the first need to advance their own, and then take all the invoices and documents to the participating places to reimbursement can be.

Maternity insurance can be described as a type of insurance that pays less but can get more money. If you want to have this treatment, first of all, before the birth of a child to pay a certain amount of time, Hefei is required to pay more than seven consecutive months to be able to, must also be in the job in the insurance status. Maternity insurance can enjoy the conditions: reimbursement of hospital expenses related to the birth of a child, there are about four months of maternity allowance can be taken, this and the company Pingjun salary is linked to the average salary, the higher the average salary, the more allowances you can get; and childbirth, prenatal checkups, delivery and birth control related expenses can also be reimbursed. In fact, this is not the case, our pension insurance is to take the united way to pay, that is to say, is a combination of integrated account and personal account to pay their own pension insurance, that is to say, you only complete the integrated account and personal account at the same time to pay the normal payment of the pension insurance you can not say that we only pay the personal account, then this is certainly not possible, so that the The enterprise unit to us to bear, this 16% of the pension insurance contributions and our personal bear 8% of the pension insurance contributions, then only is the total amount of our contributions.

Of course, the 16% of the contributions borne by the work unit, it is true that it will not be entered into the personal account, because it will go directly into the integrated account inside, so for us to our personal account is not reflected in the, but for us to say that there is no role, which is not true, because in the future, we can still enjoy the integrated account of the treatment of the future, such as the future, if you say you For example, in the future, if you have received your pension for more than 13 years, you will basically have finished receiving your personal account, so in the future, what we will enjoy is the pension treatment of the integrated account. So the integrated account is also very crucial and important for us as individuals. Only that the personal account is more intuitive, because in your personal pension insurance contribution details can see how much money, for example, you paid 15 or 20 years may show a few tens of thousands of dollars, so it seems to be more intuitive, so we feel that their own pension insurance is no problem, of course, the cost of the enterprise unit will not enter our personal account, so that we can enjoy the benefits of the co-ordinated account. The personal account to go, so that shows not such an intuitive feeling.

And our personal account also has a very important role, is to calculate the main account of the personal account pension, then the more the balance of our personal account, in the process of calculating the personal account pension, the higher the personal account pension they get, but our pension it is in fact made up of two parts, one part of the personal account pension, and the other is the personal basic pension. The individual basic pension, and this part of the individual basic pension is dependent on the average contribution index of the accumulated years of contributions and the average social wage in your area to calculate.

Legal basis:

The Labor Law of the People's Republic of China

Article 2: The State establishes a social insurance system for basic old-age pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and other social insurance, and guarantees the right of citizens to obtain material assistance from the State and society according to the law in the event of old age, sickness, industrial injury, unemployment and maternity. society in the event of old age, sickness, industrial injury, unemployment or maternity.