Suzhou five insurance and one gold payment ratio

1, pension insurance unit pays 19%, and individual pays 8%;

2, medical insurance units pay 9%, individuals pay 2% (large medical expenses plus 5 yuan standard social pooling fund per person per month, borne by individuals);

3, unemployment insurance units pay 1%, individuals pay 0.5%;

4, maternity insurance units pay 0.5%, individuals do not pay;

5. Work-related injury insurance premiums shall be paid by the employer, but not by individuals. The proportion of payment is determined according to the risk of the industry to which the enterprise belongs. * * * It is divided into 8 industry categories, and the payment ratio is 0.2%-1.9%;

Take individual industrial and commercial households as an example, the contribution rate of endowment insurance is 20%, of which employees pay 8%, employers 12%, and other types of insurance refer to enterprises.

Please consult Suzhou Housing Provident Fund Management Center for housing provident fund policy in Suzhou.

If you are an insured enterprise in Suzhou Industrial Park, please consult the park provident fund (social security) management center and hotline for relevant social security and housing provident fund policies.

As mentioned above, except for maternity insurance and work-related injury insurance, the contribution ratio of Suzhou five insurances and one gold is higher than that of individuals. Therefore, five insurances and one gold are not deducted from wages in vain, but a sum of money saved for long-term consideration. In addition to buying a house, the special housing provident fund can also be used for renting or decorating. If you just put it in the bank, you lose the meaning of saving money every month.

First, Suzhou five insurance and one gold payment base

1, social security payment base

The upper limit of social insurance premium paid by enterprises and employees in Suzhou is 194496 yuan (16208 yuan/month), and the lower limit of social insurance premium is 28644 yuan (2387 yuan/month).

Suzhou individual industrial and commercial households to participate in the basic old-age insurance monthly payment base of 2300 yuan, other types of monthly payment base is still in accordance with the original provisions. The minimum monthly payment base for flexible employees to participate in the basic old-age insurance is 2300 yuan, which can be divided into several grades, and the maximum is not more than 16208 yuan. The monthly payment base for flexible employees to participate in employee medical insurance is 1600 yuan.

The monthly "transfer account" base of urban "Xiebao" personnel, as well as the base of the pension and medical insurance premiums paid by the unit after the employment of "Xiebao" personnel, shall be implemented according to the lower limit of the payment base of enterprise insured employees in 20 14 years. The upper limit of social insurance premium paid by units and employees who participate in social insurance for employees in urban institutions is 289,239 yuan (24 103 yuan/month), and the lower limit of the payment base is 57,848 yuan (482 1 yuan/month). Units and employees who participate in social insurance for employees of urban institutions and institutions, the base for paying social insurance premiums in 20 14 is 86,434 yuan (7,203 yuan/month).

2, provident fund deposit base

According to the Announcement on Adjusting the Deposit Base of Suzhou Housing Provident Fund in 20 14, the deposit base is verified according to the average monthly wage income (total wages) of employees. The specific caliber is implemented in accordance with the Notice on Adjusting the Provision of Housing Provident Fund for Employees in Government Offices and Institutions in total wage base (Su Zi [2012] No.81), that is, according to the current regulations of the National Bureau of Statistics on the composition of total wages: total wages refer to all labor remuneration paid directly to employees by the unit, and whether it is included in costs or other items, it is included in total wages, including hourly wages and piece-rate wages.

The deposit base of all localities shall not be lower than the minimum social security payment base announced by local social departments, and the maximum shall not exceed three times the average monthly salary of employees in Suzhou for 20 13 years, that is, 17300 yuan. If the monthly salary base of employees exceeds the maximum limit, it shall be calculated according to the maximum limit; if it does not reach the maximum limit, it shall be calculated according to the actual situation.

Second, the proportion of five insurances and one gold in Suzhou urban area

1, social security contribution ratio

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

Medical insurance: 9% for units and 2% for individuals.

Unemployment insurance: the unit pays 1.5%, and the individual pays 0.5%.

Industrial injury insurance: the unit pays 1%, and the individual does not pay.

Maternity insurance: the unit pays 1%, and the individual does not pay.

2, the proportion of provident fund deposit

All kinds of enterprises, private non-enterprise units, social organizations, etc. Units and employees pay 8% ~ 12% respectively.

The above is the ratio of five insurances and one gold in Suzhou. It can be seen that among the five social insurances, the pension insurance is the highest proportion paid by the unit, and the industrial injury insurance and maternity insurance are the lowest. The proportion of provident fund is flexible, which is subject to the provisions of specific units and needs to be calculated in combination with the salary level of employees themselves.

legal ground

Article 84 of the Social Insurance Law stipulates that if an employer fails to register for social insurance, the social insurance administrative department shall order it to make corrections within a time limit; If no correction is made within the time limit, the employer shall be fined between one and three times the amount of social insurance premiums payable, and the directly responsible person in charge and other directly responsible personnel shall be fined between 500 yuan and 3,000 yuan.

Article 62 of the Regulations on Work-related Injury Insurance stipulates that if an employer fails to participate in work-related injury insurance in accordance with the provisions of this Ordinance, the social insurance administrative department shall order it to participate within a time limit, pay back the work-related injury insurance premium that should be paid, and impose a 0.5% late fee on a daily basis from the date of default; Failing to pay within the time limit, a fine of 1 times shall be imposed.