Official Questions and Answers of Shanghai Comprehensive Insurance City from Insurance to Social Security

In July, Shanghai 20 1 1, comprehensive insurance and town insurance were completely cancelled, and the labor cost of urban insurance was transferred.

In order to implement the social insurance law and ensure the fair rights of migrant workers and employees in suburban employers, our city has carried out major reforms on comprehensive insurance for migrant workers and social insurance for employees in suburban employers in small towns, and all of them have been transferred to social insurance for urban employees since July 201/kloc-0.

This comprehensive insurance reform falls into two categories. For urban registered employees in other provinces and cities, the relevant provisions of social insurance for urban employees in this city are fully applicable, that is, they also participate in social insurance such as pension, medical care, unemployment, work injury and maternity. The payment base is determined according to the average monthly wage income of employees in the previous year. The upper and lower limits of the payment base are 300% and 60% of the average monthly salary of employees in the city in the previous year, respectively, and the proportion of payment is 37%, and the individual employees are 65,400. Rural registered workers from other provinces and cities will participate in the five-year transition period of social insurance for urban workers in this city. At present, they participate in three social insurances: old-age insurance, medical insurance and work injury insurance. The payment base is 40% of the average monthly salary of employees in the city last year, and it will gradually transition to 60% within five years. The proportion of payment is 28.5%, and the individual employee is 9%.

In the first year of transition (July 2065438+01-March 2065438 +02), the unit paid 3896*40%*28.5%=444. 10 yuan, and the individual employee paid 3896*40 yuan. The original comprehensive insurance unit pays 3896*60%* 12.5%=292.20 yuan every month, and the employees do not pay it. After the comprehensive insurance was transferred to city insurance, the unit monthly labor cost increased by 52% 15 1.90 yuan/person, and the individual monthly income of employees decreased by 140.30 yuan. If the employee's personal salary is lower than the minimum wage after deducting social security expenses, the unit will increase the labor cost by 292.20 yuan, with an increase rate of 100%.

Urban registered employees in other provinces and cities are changed from comprehensive insurance to urban insurance, with the minimum monthly payment of 3896*60%*37%=864.90 yuan, and the minimum monthly payment of individual workers is 3896 * 60% *1%= 257.10 yuan; The original comprehensive insurance unit pays 3896*60%* 12.5%=292.20 yuan every month, and the employees do not pay it. After the comprehensive insurance was transferred to urban insurance, the unit monthly labor cost increased by 572.70 yuan/person, increasing by 196%, while the monthly income of individual workers decreased by 257. 10 yuan. If the employee's personal salary is lower than the minimum wage after deducting social security expenses, the unit will increase the labor cost by 829.80 yuan, with an increase of 284%.

There are also two schools of thought on the reform of urban insurance. The first group is employees who are not in the state of urban insurance payment in June of 20 1 1 year or who are newly employed after July of 201year. This group is fully insured and paid in accordance with the relevant provisions of social insurance for urban employees in this Municipality. The second category is employees who are still in the state of urban insurance payment in 20 1 1 June and continue to work. To participate in social insurance for urban workers (i.e. pension, medical care, unemployment, work-related injury and maternity), a three-year transition period is set, and the payment base is determined according to 60% of the average monthly salary of employees in the city in the previous year, with the unit payment ratio of 27% and the individual payment ratio of employees of 7%, which will be gradually transferred to the unit in three years.

In the first year of transition (July 2065438+01-March 2065438 +02), the unit paid 3896*60%*27%=63 1.20 yuan, and the individual paid 3896*60%*. The original town insurance company paid 3896*60%*25%=584.40 yuan, and the individual did not pay. After the town insurance was changed to the city insurance, the labor cost of the unit increased by 46.80 yuan per person per month, with an increase of 8%, and the personal income of employees decreased by 163.60 yuan per month. If the employee's monthly salary is lower than the minimum wage after deducting social security, the unit will increase the labor cost by 2 10.40 yuan, with an increase of 36%.

The minimum monthly payment for the second type of employees is 3896*60%*37%=864.90 yuan, and the minimum monthly payment for individual employees is 3896 * 60% *1%= 257.10 yuan; The original town insurance company paid 3896*60%*25%=584.40 yuan, and the individual did not pay. After urban insurance was changed to urban insurance, the minimum monthly labor cost per unit increased by 280.50 yuan/person, with an increase of 48%, while the monthly income of individual workers decreased by 257. 10 yuan. If the employee's personal salary is lower than the minimum wage after deducting social security, the unit will increase the labor cost by 537.60 yuan, an increase of 92%.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.