What is the payment ratio of five insurances and one gold in Wuhan?

The payment ratio of five insurances and one gold in Wuhan is as follows: endowment insurance: unit pays 18%, and individual pays 8%. Medical insurance: the unit pays 9% and the individual pays 2%. Unemployment insurance: the unit pays 0.7% and the individual pays 0.3%. Maternity insurance: the unit pays 1%, and the individual does not pay. Industrial injury insurance: try out the floating rate, and individuals do not pay. Housing accumulation fund: the unit pays 5%- 12% and the individual pays 5%- 12%.

After work, the company will handle five insurances and one gold for employees, and everyone will pay a certain amount every month. However, there will be many questions because it doesn't involve related fields on weekdays. So what is the calculation formula of the payment ratio and amount of five insurances and one gold in Wuhan? I will give you a detailed answer below.

First, Wuhan five insurance and one gold payment ratio

Endowment insurance: 20% for units and 8% for individuals.

Medical insurance: 8% for units and 2% for individuals.

Unemployment insurance: unit 2%, individual 1%.

Work-related injury insurance: the unit bears 0.5%-2%, and the individual does not pay.

Maternity insurance: the unit bears 0.5%, and the individual does not pay.

Provident fund: 8%- 12% for units and 8%- 12% for individuals.

Second, the calculation of "five insurances and one gold"

Monthly payment for five insurances and one gold = payment base × payment ratio

The proportion of five insurances and one gold usually appears as a percentage. For example, endowment insurance: the unit pays 22% and the individual pays 8%; Medical insurance: the unit pays 7% and the individual pays 2%. Generally speaking, the payment base of five insurances and one gold is the monthly salary (some enterprises also pay the minimum payment base). However, if the salary is high (for example, it is more than three times the average monthly salary in your city last year), then the base is at the top. If the salary is particularly low (for example, it is lower than 60% of the average monthly salary in your city last year), then the base will also have a back cover.

Special reminder: the payment ratio of five insurances and one gold and the payment base of five insurances and one gold are not uniform throughout the country. The standards in every place are different, and there will be corresponding changes every year. Specifically, the data published by the local human resources and social security bureau and the housing provident fund management center shall prevail.

Third, the "five insurance and one gold" payment skills

1. The more you pay for old-age insurance, the more you will benefit.

At present, China's old-age insurance system takes "basic old-age insurance for employees" as the core. A sum of money is withheld and remitted by the employer every month. After reaching the legal retirement age (60 years old for men and 50 years old for women), they can receive a pension from the social security system. The state will adjust the pension through its price and overall level. The more you pay, the longer it takes, and the more you get.

2, medical insurance payment must comply with the provisions of the state.

According to the provisions of Article 27 of the Social Insurance Law, if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment has reached the number of years stipulated by the state, he will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

3, unemployment insurance payment for one year to receive unemployment benefits.

According to Article 45 of the Social Insurance Law, unemployed persons who meet the following conditions will receive unemployment insurance benefits from the unemployment insurance fund:

(a) before unemployment, the employer and I have paid unemployment insurance premiums for one year;

(two) the employment is not interrupted because of my will;

(three) registered unemployed and have job requirements.

Unemployed persons shall, within 60 days after leaving their jobs, go to the street and town labor and social security departments where their registered permanent residence is located to register for unemployment and go through the formalities of applying for unemployment insurance benefits by holding vocational guidance and training cards, household registration books, identity cards, certificates and photos of the termination of labor (employment) contracts or working relationships.

It is difficult to enjoy maternity insurance without a work unit.

The payment period of maternity insurance and unemployment insurance is similar, usually one year. Only after paying for one year and meeting other maternity insurance policies can you enjoy the relevant maternity insurance benefits.

During the insured period, if the wife of a female worker or a male worker is pregnant and the work unit changes, as long as the maternity insurance payment is not interrupted, it will not affect the enjoyment of maternity insurance benefits. Once the payment is interrupted, the maternity insurance benefits will be cancelled.

Therefore, the insured employees are reminded not to easily quit or quit their jobs during pregnancy or during the pregnancy of their wives until the end of maternity leave. Otherwise, once the payment is interrupted, the maternity insurance benefits that should be enjoyed will be gone.

5, 48 hours of rescue is invalid for work-related injuries.

There are certain conditions to enjoy the treatment of work-related injury insurance. For example, it must be recognized as a work-related injury by the administrative department of social insurance, and the level of disability must be appraised by an appraisal institution to enjoy the treatment of disability. If the conditions are not met or lost, the workers' industrial injury insurance benefits may be terminated or lost.

According to experts from the Social Security Bureau, the Regulations on Work-related Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued can be identified as work-related injuries. The time of death is based on the time on the death notice presented by the hospital. Those who do not meet the above conditions cannot be identified as work-related deaths.

6. Long-term use of housing provident fund is not cost-effective.

As many people know, the more housing provident fund units pay each month, the better. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account. Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In addition, the monthly deposit of housing provident fund exceeds the upper limit and is subject to tax.

To sum up, the above is about the ratio of five insurances and one gold in Wuhan. The above introduces the calculation formula of five insurances and one gold payment, and introduces the skills of five insurances and one gold payment. In fact, the more endowment insurance is paid, the more benefits will be gained. It is not cost-effective not to use housing provident fund for a long time. But I still need your specific analysis. I hope the above content is helpful to you.