How much does Jinan Five Insurance bear personally?

The amount borne by individuals in Jinan Five Insurance Company needs to be calculated according to their specific payment base and proportion.

Individuals pay 8% of endowment insurance, 2% of medical insurance plus 3 yuan, and unemployment insurance 1%. The specific monthly payment amount is calculated according to the individual monthly payment base multiplied by the corresponding payment coefficient. For example, if the individual monthly payment base is 5,000 yuan, then the individual payment for endowment insurance is 5,000 yuan multiplied by 8%, that is, 400 yuan; Personal medical insurance payment is 5,000 yuan multiplied by 2% plus 3 yuan, that is, 103 yuan; The individual contribution of unemployment insurance is 5,000 yuan multiplied by 1%, that is, 50 yuan. In this way, the total amount of five insurances that an individual needs to bear every month is the sum of pension, medical care and unemployment insurance expenses.

Social security contribution ratio:

1, old-age insurance: the proportion of unit contributions is generally 16%, and the proportion of individual contributions is 8%;

2. Medical insurance: the unit contribution ratio is generally 6%- 10%, and the individual contribution ratio is 2%;

3. Unemployment insurance: the unit contribution ratio is generally 1%-2%, and the individual contribution ratio is 0.5%;

4. Work-related injury insurance: only paid by the unit, and the proportion varies according to the risk level of the industry;

5. Maternity insurance: only paid by the unit, the proportion is generally around 0.5%.

The specific payment ratio may be different in different regions and needs to be determined according to the regulations of the local social security bureau. Generally speaking, the proportion of social security expenses borne by units is higher than that borne by individuals.

To sum up, the total amount of five insurances that individuals need to bear each month is calculated according to their monthly payment base and payment ratio, including the sum of pension, medical care and unemployment insurance expenses.

Legal basis:

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

Article 33

Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, and the employees shall not pay the work-related injury insurance premium.

Article 44

Employees should participate in unemployment insurance, and employers and employees should pay unemployment insurance premiums in accordance with state regulations.

Article 53

Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, and employees shall not pay maternity insurance premiums.