Beijing minimum standard of five insurances and one gold.

The minimum standards for five insurances and one gold in Beijing are:

1. Endowment insurance: 20% of the unit's contribution base and 8% of the individual's withholding base;

2. Unemployment insurance: unit contribution 1.5% base, individual withholding 0.5% base, individual migrant workers do not pay;

3. Work-related injury insurance: according to the nature of the unit and the withholding ratio, taking a wholly foreign-owned enterprise as an example, it is paid at 1% of the base (2000 * 1% = 20 yuan), and individuals do not pay;

4. Maternity insurance: employees with foreign household registration are not covered by this insurance, and employees with Beijing household registration pay 0.8%, and individuals do not pay;

5. Medical insurance: 9% of the unit's contribution base (basic medical care)+1% (large-sum overall planning), and 2% of individual withholding (basic medical care) +3 (large-sum overall planning);

6. Housing accumulation fund: both units and individuals pay 8% of the base. If the unit conditions are good, you can apply for an increase to 10%.

Beijing's new minimum wage standard, Beijing's minimum wage standard has been raised from 25.3 yuan per hour and 2,200 yuan per month to 2,320 yuan per hour in 59 yuan. In addition, Beijing's unemployment insurance standards have been adjusted since April, with an average increase of 1 10 yuan per file on the current basis, an increase of 10.3% year-on-year.

Need to be reminded that the calculation method of the minimum standard of five insurances and one gold in Beijing is as follows:

The minimum payment amount of Beijing five insurances and one gold = the minimum payment base of Beijing five insurances and one gold, and the payment ratio of Beijing five insurances and one gold.

Among them, the payment ratio of five insurances and one gold in Beijing is as follows:

Endowment insurance: the unit pays 20% and the individual pays 8%;

Medical insurance: unit 9%+ 1%, individual 2%+3;

Unemployment insurance: the unit pays 1%, and the individual pays 0.2% (note: agricultural registered permanent residence does not pay);

Maternity insurance: the unit pays 0.8%, and the individual does not;

Industrial injury insurance: the unit pays 0.8%, and the individual does not pay;

Provident fund: unit contribution ratio 12%, individual contribution ratio 12%.

Secondly, the related introduction of the minimum payment base of five insurances and one gold in Beijing is as follows:

The monthly deposit of housing provident fund is approved and adjusted once a year. The monthly deposit of housing provident fund consists of two parts: the monthly deposit of employee housing provident fund and the monthly deposit of unit housing provident fund.

The average monthly salary of employees is determined by dividing the total salary of employees from June 65438+1 October1to June 65438+February 3 1 in the previous year by June 12. The total wages shall be calculated according to the regulations of the National Bureau of Statistics (No.[1990] 1) on earnest implementation. The monthly deposit amount of employee housing provident fund for new employees or newly transferred units shall be calculated according to the employee's monthly salary.

According to the regulations, the Municipal Human Resources and Social Security Bureau made a unified adjustment to the wage base and payment amount of various social insurance contributions in 20 13 in June/7. The social security payment base is divided into several categories according to different conditions of participation. On-the-job employees who participate in the five social insurances in Beijing shall determine the payment base according to their average monthly salary of 20 12. Among them, the upper limit of the payment base is determined according to 300% of the average monthly salary of Beijing employees in 20 12 years, with the maximum not exceeding 15669 yuan. The minimum payment base for employees participating in pension and unemployment insurance shall be in accordance with Beijing Municipality.

40% of the average monthly salary of employees in 20 12 years, with a minimum of 2089 yuan; The minimum payment base for employees participating in medical treatment, work injury and maternity insurance is 60% of the average monthly salary of Beijing employees in 20 12 years, and the minimum payment is not less than 3 134 yuan. According to the new average monthly salary of employees in the city, the insured can calculate the amount of individual contributions for five insurances for 20 13 years. Taking the old-age insurance with relatively high payment amount among the five social insurances as an example, according to the new standard, it can be calculated that the minimum monthly payment amount of employee old-age insurance is 167 yuan and the maximum is 1253.52 yuan.

When individuals entrust flexible employees in Beijing to pay basic old-age insurance and unemployment insurance, they can choose three grades as the payment base, which are 100%, 60% and 40% of the average monthly salary of employees in Beijing in 20 12, namely 5,223 yuan, 3 134 yuan and 2,089 yuan. The basic medical insurance payment base is 70% of the average monthly salary of 20 12, that is, 3656 yuan.

legal ground

People's Republic of China (PRC) social insurance law

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Labor law of the people's Republic of China

Article 70 The state develops social insurance, establishes a social insurance system and sets up a social insurance fund to help and compensate workers in cases of old age, illness, work injury, unemployment and maternity.

Article 71 The level of social insurance should be compatible with the level of social and economic development and social affordability.

Article 72 The sources of social insurance funds shall be determined according to the types of insurance, and social pooling shall be gradually implemented. Employers and workers must participate in social insurance and pay social insurance premiums according to law.

Article 73 Laborers shall enjoy social insurance benefits according to law under the following circumstances:

(1) Retirement;

(2) getting sick;

(3) Being disabled at work or suffering from occupational diseases;

(4) unemployment;

(5) bearing.

After the death of an employee, his survivors shall enjoy the survivors' allowance according to law.

The conditions and standards for workers to enjoy social insurance benefits shall be stipulated by laws and regulations.

Social insurance premiums enjoyed by workers must be paid in full and on time.