Issues related to social insurance in Dongguan City, Guangdong Province 20 10.

Medical insurance, provident fund, pension, maternity, work injury and unemployment insurance

Please reprint it, and I will look everywhere in the future, which is more convenient for everyone and myself. Welcome to reprint!

The specific social security composition ratio is:

Endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major illness co-ordination mainly covers hospitalization);

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself;

Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself.

Most importantly, in this way, the proportion of social security paid by the company for you every month should be 21%+9%+2%+0.5%+0.8%+8% = 41.3%.

Your monthly social security payment should be 8%+2%+10+1%+8% =19%+10.

Leaving aside 10 paid by Yuan You for the time being, the ratio paid by the company and yours should be 4 13: 190, that is to say, if.

You pay 190 yuan Social Security every month, then the company will put 4 13 yuan into your social security account.

The monthly increase in your social security account should be 4 13+ 190=603 yuan.

So when you can't see it, the company actually pays more than twice as much as you, so you pay social security every month.

Don't feel bad at work ~ you should know that the unit pays much more than you do, but it is the unit that feels bad.

Back to three insurances and one gold and five insurances and one gold, you should see it here. In fact, the three dangers mentioned in the Jianghu.

One gold is completely equal to five insurances and one gold, but three insurances and one gold come from your personal insurance (pension+medical care+unemployment+provident fund).

Yes, five insurances and one gold come from the insurance paid by your company (pension+medical care+unemployment+work injury+maternity+provident fund). Put out three insurances and one insurance.

Gold says five insurances and one gold, but it's just a nice talk.

In addition to the unit can pay social security for you, in fact, people who have no job but have income or people who have a unit but don't pay social security can also do it.

Pay social security by yourself, but individuals can only pay endowment insurance+medical insurance, work injury, maternity, unemployment, provident fund, but individuals can't.

Here is what is the social insurance payment base.

Just now, as we all know, the monthly social security contribution ratio of the company is almost 4 13: 190, so

Now there is another question: what is the relationship between the social insurance premium I pay every month and this ratio? How much is the social insurance premium?

Are you sure?

You may not have noticed that every province and city will issue the "minimum payment base of social insurance" at the beginning of July every year. This base

The figures are calculated according to the average salary+welfare+various subsidies of employees in the previous year.

Yes, the minimum base announced by Nanjing in July this year is 1 189 yuan. What does this mean? It means that as long as Nanjing is positive,

It is stipulated that the company that pays social security for employees shall pay at least1189× 41.3% = 491yuan per month for each employee, and each employee

Pay at least1189×19%+10 = 236 yuan every month, so that the social security fees that you and your company should pay every month will come out.

But now there are new problems. The wages of employees in Nanjing vary greatly. Some people get 1000 a month, while others can get it in a month.

10000, does that mean that people who take 1000 pay the same social security fee as those who take 10000?

Please note that 1 189 is the lowest radix, and there is the highest radix above 1 189. Nanjing's highest base this year seems to be more than 8,000.

I forgot the details. Anyway, if your salary is below 1 189 yuan per month, the company must pay you 1 189 yuan.

189× 41.3% = 491yuan, and at least1189×19%+10 = 236 yuan every month.

The significance of guaranteeing the minimum payment base is that even if you get 1000 or 800 yuan every month, you should press the minimum every month.

Pay according to 1 189!

But if your salary is higher than 1 189, for example, if you get 3000 yuan a month, when the company goes to the labor bureau to pay insurance for you (you

The social security fees paid by the unit and you shall be withheld by the Labor Bureau. You should say to the labor bureau, "Yes, we have a colleague here."

If you want to get 3000 yuan a month, please deduct the social insurance premium according to the standard of 3000 yuan. Then the labor bureau takes 3000 yuan as the base.

Deduct money from your company and you and transfer it to your social security account. At this time, your company will give you 3000× salary every month.

4 1.3%= 1239 yuan, and you personally have to pay 3000× 19%+ 10=580 yuan every month.

That is to say, if your salary is below 1 189 yuan, then you should pay according to 1 189 every month; If your salary is 1 189 yuan.

In fact, you pay according to your actual salary every month, unless your salary is higher than the maximum base, if you take it every month.

10000 and the maximum base is 8000, you and your company will pay 8000.

Here, I want to expose the shameless practices of some companies. These companies may pay you thousands of dollars a month, but they go to work.

When the base is declared, it will not be declared according to the actual salary. For example, if you get 3000 yuan a month, they will

Going to the labor bureau may say that you only get 1 189 yuan, and then the labor bureau will only deduct you1189 ×19%+10 = 236 yuan every month, which is probably higher.

I am very happy, because you think that the money deducted from you is less, but in fact you get more money.

No! If so, then your company is shameless! Because the company pays more than twice as much as you, the less you give, the less they give.

The less you pay! If your actual salary is 3000 yuan, they should pay you 3000×4 1.3% = 1.239 yuan every month.

Insurance premium, and according to 1 189, they only pay you1189× 41.3% = 491yuan every month! So you actually ate too much.

Loss! Regular companies will only report to the labor bureau according to your actual salary and deduct money! Only those low-level companies won't

No matter how high your salary is, I will pay you according to the minimum standard! ! Don't think that the less you deduct from your social security fee every month, the better! ! maybe

You have been shamelessly bullied by the company and have no idea! ! !

Determining the base number paid by the company for you is simple: if you deduct 300 yuan social security every month, then your base number

It's almost 30019% ≈1578 yuan. See if your salary is this amount. If your salary is significantly higher than 1578, for example,

If you make 3000 or 4000 a month, you must be bullied by the company. You can go to the local area if you are bullied.

When the labor inspection brigade sues your company, it is generally more accurate to sue the other party, but it is best to find evidence (such as salary slips). ) when leaving the company.

Sue when you are ready, or you can't get along in the company after you sue-+

Thirdly, the proportion of social security varies from place to place. If you are not in Nanjing, your contribution ratio is very likely.

Not 19%, but definitely not too bad. For example, your base number may be 20% or 22%, but it is definitely not 30% or 40%! therefore

Although 19% is the proportion of Nanjing, students from other places can also use it to calculate their own base.

Here's what these social insurance premiums are and how to use them.

As mentioned earlier, social insurance = endowment insurance+medical insurance+industrial injury insurance+maternity insurance+unemployment insurance+housing accumulation fund.

Let's talk about endowment insurance first.

This insurance is generally paid 15 years before you can enjoy the pension for life, so students who want to get a pension.

Please be sure to pay before retirement 15 years ago, which is similar outside Nanjing.

If the pension insurance payment at retirement age is less than 15, the state will deposit 8.5% in the personal account at retirement.

% of the pension will be refunded to you in full.

Then you will ask, where is the 2 1% paid by the company?

You can't expect the country to give it to you. When you retire and take your personal money, the state will give you 2 1.

% of the money has been transferred to the national pension fund, which has nothing to do with you anymore.

You might say: Holy shit! That's my money. Why not give it to me?

Because it is stipulated by the state.

When returning money, only the money deducted by the individual himself is refunded, and the money paid by the unit for him has contributed to the country-

Let's take a look at how your pension is calculated when you retire.

The algorithm of pension is very complicated, because the country will change the payment base once a year. For example, you are now 30 years old,

Your current payment base is 3000 yuan. If the retirement age is 55, you must start to pay before the age of 40.

Endowment insurance, and if you pay from the age of 30 now and have to pay for 25 years by the age of 55, then you can definitely enjoy the pension first.

Secondly, if the payment base of 3,000 Yuan You paid in 25 years becomes 6,000 yuan (I said if), then you are 55 years old.

First of all, you can get a basic pension of 6000×20%= 1200 yuan every month, which is given to you by the state, except yours.

People's accounts have accumulated a lot of money in 25 years. Let's average the payment base, (3000+6000)÷2=4500, then

You should have 4500×8% (the proportion of personal pension insurance) ×25× 12 months in your personal account over the past 25 years.

= 108000 yuan, so in addition to the previous 1200 yuan, you can also get 108000÷ 120=900 yuan every month, so you are 5.

At the age of five, you can get at least a monthly pension of 1200+900=2 100 yuan. Of course, the national base is still rising every year.

In this way, every year except your own 900 yuan, you will get more money than 1200 yuan every month after retirement, so your pension.

There will certainly be more and more gold.

Therefore, the more pension insurance you pay, the better. The more you give, the more you enjoy after retirement. And the country will adjust every year.

After the base, you will get more and more money. It is possible to pay 1000 now and get 1500 ten years later.

There is an abnormal policy here, that is, no matter where you pay social security fees, you can only pay them when you retire.

Where the registered permanent residence is located, enjoy local retirement benefits. From this perspective, social security is paid in a place with a high base, but retired to a place with a low base.

People who enjoy pensions will lose a lot. Why do you say that? Let me give you an example. If you were in Nanjing when you were young.

Work, pay social security for 20 years and then retire, but if the hukou is in Heilongjiang, you must go back to Heilongjiang to enjoy the old-age care.

Kim. If you have been in Nanjing for 20 years with an average base of 3,000 (I mean if), you will be in Heilongjiang when you retire.

The payment base is only 1000 (I mean if), then you can only enjoy 1000 when you retire! This is a loss! one

In other words, if you pay social security in a rich place and return to a poor place to enjoy social security after retirement, you will have to pay a lot in your life.

Enjoy very little! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is no way, this is the country.

Policy, so please all current registered permanent residence in places with low base such as the west, but work in places with high base such as Beijing or Shanghai.

Attention, social security students, you should either pay social security in the west, or move your account to Beijing or Shanghai before you retire, otherwise.

You are making a great loss in your life.

Then maybe you will say, if my hukou is in Nanjing, I will make friends in Heilongjiang for 20 years and make friends in a place with a low base.

When you retire, go back to a place with a high base and enjoy high welfare. No! Do you think Nanjing Labor Bureau lets you enjoy it like this?

! Generally speaking, Nanjing will find reasons to directly refuse your transfer! Then you will be smarter: in the black dragon

Jiang can't enjoy it, nor can Nanjing!

But some places have some loose regulations on this situation. For example, Nanjing allows you to retire at a low base five years before retirement.

The place is transferred back to Nanjing, and then you will continue to pay the high base of Nanjing for five years, and then you can go back to Nanjing to enjoy your pension.

Policy estimates vary from place to place. Students who plan to transfer in the future had better go to your local labor bureau to solve this problem now.

Be clear, lest you have an accident when you retire!

Let me talk about medical insurance.

The policy of this insurance country is not bad, but the important thing is that there are many reimbursement for hospitalization.

As I said before, the company pays 9% medical insurance every month, and your monthly medical insurance is about 2% plus 10 yuan.

Serious illness co-ordination, this serious illness co-ordination takes care of your hospitalization, 1 1% of countries will call your medical insurance account every month.

Your own 2%, if you pay social security every month according to the minimum base of 1 189 yuan, then 1 189×2%=23.78 yuan.

The state gives you personal money every month. You can accumulate the money, buy medicine directly by credit card or go to the clinic. The remaining 9%.

The state will take it to the medical pooling fund.

According to the regulations of Nanjing, those who paid medical insurance on June 5438+ 10 will start to swipe their cards in February 2007.

You buy medicine or go to the clinic. Since July 2007, your hospitalization expenses can be reimbursed. This report is quite complicated. For example, it is good.

Of:

If you were hospitalized in August 2007 1 and lived in the best tertiary hospital in Nanjing, all the medical insurance quotas were used up during your hospitalization.

The medical expenses, operation expenses and hospitalization expenses totaled 5,000 yuan, so the medical insurance center will deduct 1 1,000 yuan when reimbursing. This is the first time.

Step price, the remaining 4,000 medical insurance centers can be reimbursed 4,000× 86% = 3,440 yuan, and you only need to pay 4,000×14% = 560 yuan.

Ok, with the previous starting price of 1000 yuan, you only need to pay 1560 yuan for 5,000 yuan, which is 1560 yuan.

You can also deduct it from your medical insurance card (if you don't use that card often), so hospitalization won't cost you much.

Medical insurance is much more important to us young people than old-age insurance. After all, it's too fucking expensive to see a doctor and be hospitalized. This is also the case.

The most important significance of participating in social insurance.

However, Nanjing stipulates that you must pay 25 years of medical insurance after retirement to enjoy it for life, so if you retire at the age of 55, then

You must start paying medical insurance at the age of 30 at the latest.

Let's talk about industrial injury insurance.

This kind of insurance is rarely used in practice, and I don't have much contact with it. Need to be reminded that if you are at work or surfing the Internet,

This kind of insurance will come in handy if something happens at the end of the day.

However, in practice, many people do not pay attention to the preservation of evidence, resulting in their inability to enjoy work-related injury insurance, which is a pity.

If you get hit by a car after work, you should call the police as soon as possible and let the police investigate the records and take photos to collect evidence.

I'll give you an accident certificate or something after cutting, and you can take it to the unit to ask for a work-related injury report.

If something happens to you, you'll let people get away, and you won't call witnesses or call the police. It won't be like this without evidence.

Adoption is regarded as a work-related injury

There is also a time limit for work-related injuries. In case of work-related injury on July 1 2007, it must be reported to the unit immediately and sent to the police.

Evidence and accident identification, as well as your medical records of going to see a doctor or being hospitalized for work-related injuries, are all given to the unit for the unit to take these materials.

For work-related injury identification, your company must send your valid materials to the work-related injury identification center before August 1 2007. If it is later than.

If it is more than one month since the date of your work injury, you may not be able to identify the work injury. If your company doesn't recognize it for you,

Then you can take the materials to the appraisal center for appraisal, and it is best not to exceed one month, otherwise it will be very troublesome.

Let's talk about maternity insurance.

Let's take this for example. If you are a girl, your monthly salary is 1 0,000 yuan, and you started to have children on June 65438+ 10/in 2007.

Insurance, the payment base is 1 189, and you were pregnant in March 2007, gave birth to a child at the end of February 2007, and was discharged in June 2008.

Get a marriage certificate after discharge (unmarried children can't be reimbursed)+one-child certificate (generally speaking, two children can't be reimbursed).

+medical record+check all invoices, hospitalization and operation expenses+hospitalization list+discharge summary, these materials have been submitted.

When I came to the company, if I spent 500 yuan on pregnancy check-up, I spent 2,000 yuan on hospitalization and surgery when I gave birth, which is generally public.

The company can basically reimburse you all within the scope of medical insurance, and the money given to you after reimbursement includes: 500 inspection fee+2,000 yuan.

The hospitalization operation fee is+1 189 yuan/month× 4 months =7256 yuan, 1 189 yuan/month× 4 months, which will be reimbursed by the medical insurance center.

Girls' subsidies can only be obtained through reimbursement.

According to the national regulations, girls must pay an average salary of 4 months for reimbursement of maternity insurance, so if you reimburse a child, not only

You can earn 4 months' salary without spending money! If your basic salary is higher than your salary, for example, 1000 yuan is 1 189.

So you made a profit?

Maternity insurance must be paid for one year to enjoy, remember to remember.

There is another problem, boys also pay maternity insurance ~ so can boys enjoy maternity insurance?

If you are a boy, your wife doesn't have a job or her work unit doesn't pay insurance, and you paid maternity insurance when she gave birth.

For more than one year, maternity insurance can also be reimbursed, but in the above example, the inspection can only be reimbursed to 500 yuan.

Consulting fee+half of hospitalization operation fee in 2000 = 1250 yuan, and you can't get the subsidized salary of1/89 yuan/month ×4 months.

! This is only for girls to enjoy reimbursement ~

For the same expenses, girls can get 7256 yuan for reimbursement, while boys can only get 1250 yuan for reimbursement, which is probably a rare discrimination in China.

Public policy theory-+

Therefore, it is best for girls to make plans before giving birth and start looking for a company to pay maternity insurance one year in advance, so that they can make money!

If a boy wants to marry a wife, it is best to marry a woman who has paid maternity insurance for one year when she gave birth, and the payment base is higher than her.

A girl with a high salary! But it doesn't matter if she really doesn't have insurance, you can also reimburse her for maternity insurance, but

You get four months' salary, no subsidy, and you can only get back half of the reported expenses.

unemployment insurance

Unemployment insurance can only be enjoyed after one year. 1 year is generally two months, and two years is four months, but it is the longest in a lifetime.

It will take another 24 months. Let's give an example:

If you started to pay insurance on June 5438+ 10, 2007 and were dismissed by the company on June 5438+ 10, 2008, you can ask the company to give you two months.

Unemployment insurance, if you pay on the base of 1 189 this year, you can get 800 yuan in at least two months.

Or you started to pay insurance on June 5438+ 10, 2007, and your contract with the company expired on June 5438+ 10, 2008, and you don't want to renew it.

Then you can also ask the company to provide you with unemployment insurance for two months before you leave your job, which is also more than 800 yuan.

In other words, when the contract expires or the company dismisses, you can ask the company to pay you unemployment benefits for two months a year.

Do it. If the company doesn't do it for you, you can sue, one for each person.

But if you resign before the contract expires, even if you pay 1 year, you will not enjoy unemployment insurance.

As long as you resign yourself, let alone pay 1 year, even if you pay1year unemployment insurance, you will not get a penny when you resign. Housing provident fund is a good thing.

Let's just say that if you pay 200 yuan into the provident fund every month, the company will also pay 200 yuan into your account every month to buy a house.

This is 400 yuan. If you pay 50,000 yuan in your life, your account will be 6,543,800 yuan. This kind of good thing will definitely not happen.

Say no.

Provident funds can be used to buy a house, repay loans, decorate and so on. Build a house if you can find land in your home.

This money can also be drawn from the provident fund.

If you haven't been using the money, it seems that you can withdraw all the money when you finally retire.

[Advanced] Supplementary Notes [5KB]

Let's talk about the difference between Nanjing and Nanjing. Magic is not allowed to pay medical insurance, which means that the social security center is a package.

Including pension, medical care, unemployment, work injury and maternity, it is optional to pay the provident fund because it belongs to the provident fund.

Jurisdiction of the center

The specific social security composition ratio is:

Endowment insurance: the unit pays you 22% every month, and you pay 8% yourself;

Medical insurance: the unit pays you 12% every month, and you pay 2% yourself;

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself;

Maternity insurance: the unit pays you 0.5% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 7% every month, and you pay 7% yourself.

Supplementary housing provident fund: the unit pays you 8% every month, and you pay 8% yourself (this is only a state-owned enterprise with good general welfare)

Only a few, and the proportion is determined by the company itself. It is very ethical for general companies to pay provident fund. )

Another thing to talk about is the relationship between social security and individual tax adjustment.

When paying individual tax adjustment, the tax base is calculated after deducting personal deduction, but one thing should be noted.

The part of the provident fund and supplementary provident fund that exceeds 12% (the part paid by individuals and enterprises) also needs to be included in the tax base.

For example, if the above 7% provident fund and 8% supplementary provident fund add up to 15%, then the 3% part of personal deduction will be counted.

In the taxable amount, at the same time, 3% of enterprises, although not deducted from personal wages, are still taxable.

On the base, that is to say, individuals have to pay for the adjustment tax of this fee.

Medical insurance uses this piece, and the way to transfer it to personal accounts varies from place to place.

Love means that Nanjing is collected by the month, and many places are collected by the year.

Specifically, the medical insurance year is from April 1 to March 3 1 of the following year, and the social security contribution base also changes.

It was confirmed in the first half of April.

On April 1 day, the medical insurance bureau will put the personal medical insurance into the personal medical insurance card in advance 1 year (that is, 2%) according to everyone's social security base.

Account, but there is a problem at this time. April 1 day, when the social security base has not been established, the medical insurance bureau can only

According to the base of the previous year, the personal medical insurance premium of that year is estimated. What about this difference? That was in the second year.

April 1 Make up for underpayment or deduct overpayment.

Maybe such a long paragraph seems troublesome, so give an example.

Someone's average monthly income in 2004 was 5,000 yuan, in 2005 it was 4,000 yuan, and in 2006 it was 6,000 yuan.

On April 1 2006, when the Medical Insurance Bureau credited the personal account, the social security center had not yet approved the payment base for 2006.

Number (that is, the average monthly income in 2005), so the medical insurance bureau is still based on the payment base in 2005 (that is, in 2004

Annual average monthly income) to calculate the annual personal account amount,

That is 5000*2%* 12= 1200,

But in fact, this person's personal account amount this year should be

4000*2%* 12=960,

Then in April 2007 1 deduct the overpaid 240 yuan. At the same time, April 2007 1 marked a new year for the account.

The human resources fund is still 960 yuan (in fact, it should be 6000*2%* 12= 1440 yuan), and 480 yuan, who paid less, made up for it on April 1 day, 2008.

Come back.

So because most people have different payment bases every year, almost everyone's general ledger in March and April is the same.

The amount of accounts seen over the years is different, which is generated when the medical insurance bureau does annual expense accounting.

There is also a time limit for work-related injuries. In case of work-related injury on July 1 2007, it must be reported to the unit immediately and sent to the police.

Evidence and accident identification, as well as your medical records of going to see a doctor or being hospitalized for work-related injuries, are all given to the unit for the unit to take these materials.

For work-related injury identification, your company must send your valid materials to the work-related injury identification center before August 1 2007. If it is later than.

It has been more than a month since your work-related injury identification date, so you may not be able to identify the work-related injury. If your company is not sure for you, then

You can take your own materials to the appraisal center for appraisal, preferably not more than one month, otherwise it will be very troublesome.

This is supplemented. There are two ways to declare work-related injuries. One is declared by the unit, as I like to say above, within 30 days.

The effect, as well as a personal statement, is valid within one year, but due to injury or other reasons, the longer the delay, the less evidence.

Personal declaration will also delay a lot of time and energy because you don't understand the process.

Maternity insurance, abortion, dystocia, multiple births, premature delivery, you can see the following links, although

It is the policy of Shanghai, but there are similarities everywhere.

Perhaps there are differences in policies between Shanghai and Nanjing. The company will never manage this reimbursement, and it is directly linked to pregnant women.

hook

During the period of maternity check-up and production hospitalization, all the projects within the scope of medical insurance are paid by medical insurance as a whole, and of course, the self-funded projects (than

Such as advanced wards, self-funded drugs, etc.) still have to bear it yourself.

I gave birth to a good child and went to the medical insurance bureau to apply for maternity allowance. The medical insurance bureau gave 3000 yuan.

Social security, and then give three months of base pay income.

Late childbearing plus half a month, multiple births, one more plus half a month.

If the average wage income in the previous year is greater than the upper limit of the social security contribution base, then social security only pays the contribution base.

Points, the rest paid by the company.

For example, someone's average wage income in the last year is 10000, and the social security base is capped at 7392.

Then the monthly income paid by social security is 7392, and the rest 10000-7392=2608 is paid by the company.

(Although I think this situation is not easy for readers in the cloud to encounter =. =。 . )

In fact, there are two key points:

1, full payment before childbirth 1 year.

2. The social security payment base is declared normally.

Therefore, students, especially female students, don't think that the base number declared by the company doesn't matter, even if it is for the foundation.

Countdown, I am glad that my salary is high. That's when you see the problem!

This is also why so many female employees prefer to stay in places with low wages but complete social security declarations, and then resign after giving birth.

The reason is that small places don't like unmarried female workers, and maternity insurance is also a big income supplement.

For example, a person's normal salary is 3000 yuan, but her year-end bonus and other bonus income are included in the social security base declaration.

Then the average monthly income may reach 5,000. At this time, the child will get 5,000 yuan in January in the first few months of birth.

If you haven't been using the money, it seems that you can withdraw all the money when you finally retire.

Not seemingly, but absolutely!

Moreover, the interest of provident fund loans is much lower than that of commercial loans, which is also a big advantage. (excerpt)