Chongqing Five Risks 202 1 Payment Standard

The latest payment ratio of five insurances and one gold in Chongqing is: pension insurance unit pays 16%, and individual pays 8%; Medical insurance payer 10%, individual 2%; Unemployment insurance payment units and individuals are 0.5%; Maternity insurance and medical insurance are merged, and industrial injury insurance is paid according to the floating proportion of the industry. The specific data are as follows:

The latest proportion of five insurances and one gold in Chongqing

Insurance name payment ratio

Chongqing endowment insurance unit pays 16% and individual pays 8%.

The contribution rate of medical insurance units in Chongqing is 10%, and the individual contribution rate is 2%.

Chongqing unemployment insurance units pay 0.5%, and individuals pay 0.5%.

Chongqing industrial injury insurance units pay 0.3%-6.6%, and individuals do not pay.

Chongqing maternity insurance and maternity insurance combined individuals do not pay.

The unit contribution ratio of Chongqing housing provident fund is 12%, and the individual contribution ratio is 12%.

Chongqing social security payment base

Pension insurance payment base: upper limit 16407 yuan, lower limit 3282 yuan;

Medical insurance payment base: upper limit 16407 yuan, lower limit 3282 yuan;

Unemployment insurance payment base: upper limit 16407 yuan, lower limit 3282 yuan;

Maternity insurance payment base: the upper limit is 16407 yuan, and the lower limit is 3282 yuan;

Work-related injury insurance payment base: minimum payment amount: unit 16.4438+0 yuan; Maximum compensation amount: 82.035 yuan.

Payment base of provident fund: in 2020, the payment base of housing provident fund shall not be lower than the current local minimum wage standard 1.800 yuan published by Chongqing Human Resources and Social Security Bureau, and the maximum shall not exceed 2044 1 yuan.

Note: The above data are compiled according to the information published on the Internet and official websites. Specific policies shall be subject to the implementation of the final document. Please consult Chongqing Social Security Center on weekdays.

Calculation of individual payment for five insurances and one gold in Chongqing

Pension calculation

Medical insurance calculation

Unemployment calculation

Industrial injury calculation

Calculation of housing accumulation fund

Do I have to pay five insurances and one gold?

According to the law, social insurance must be paid, which is jointly borne and paid by employers and employees. The part that should be paid by the individual shall be withheld and remitted by the employer from the employee's salary. The part paid by the Employer shall be borne by the Employer.

As for the housing provident fund, at present, most areas do not require it, and they can choose not to pay it.

Article 4 of the Provisional Regulations on the Collection and Payment of Social Insurance Fees stipulates that the payment units and individuals shall pay social insurance fees in full and on time. The social insurance premiums collected shall be incorporated into the social insurance fund for special purposes, and no unit or individual may misappropriate them.

Article 12 stipulates that payment units and individuals shall pay social insurance premiums in full in monetary form. The social insurance premium that the payer should pay shall be withheld and remitted from his own salary by his unit. Social insurance premiums shall not be reduced or exempted.

Chongqing five insurance and one gold ratio

How long can Chongqing pay five insurances and one gold?

1, old-age insurance: the accumulated payment period 15 years, and those who meet the retirement standards receive a monthly pension;

2. Medical insurance: After accumulated payment 10 years, you don't need to continue to pay after retirement, you can enjoy it directly for free, and you can use it after continuous payment for half a year;

3. Maternity insurance: you must pay maternity insurance for one year, and you must be insured when you give birth to enjoy maternity allowance;

4. Unemployment insurance: you must pay for one year to receive one month's unemployment benefits, and you can't enjoy unemployment benefits for more than 24 months at the longest, provided that you are involuntarily unemployed;

5. Housing provident fund: If the unit needs to pay the housing provident fund in full for 6 months, it can use the provident fund loan to buy a house; Individuals who pay the housing provident fund can use the provident fund loan to buy a house after 1 year. You can consult the local provident fund management for details.

Content expansion

1. Is it important for people who just go to work to have five insurances and one gold?

Very important. The reason for this is the following：

1, five insurances and one gold are personal protection in the future. Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. Housing accumulation fund is a "payable" project, which is legally necessary, and paying it also means an obligation.

2. Having hardware insurance is also a sign of regular enterprises.

Second, can five insurances and one gold be made up?

The cumulative calculation of five insurances and one gold does not need to be paid in the middle, but it can also be paid, which is divided into the following situations:

1, insured in the name of an individual, and unable to repay if the payment is omitted;

2. The missed payment caused by the unit can be repaid, but only five risks can be repaid;

3. If the unit does not declare (does not open an account), it can only pay the pension.

Five insurances and one gold (social security) are paid permanently, that is, they will exist if they are paid, and will not disappear if they are not paid, and will be reactivated if they are paid again. As long as you pay 15 years of social security, you will get a pension after retirement.

3. Are the five insurances and one gold paid by units and individuals part of the salary?

The part paid by the unit cannot be counted as part of the salary. Five insurances and one gold refer to several kinds of security benefits provided by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.