Individual, unit pension insurance contribution ratio is how much, how to calculate the double base of pension insurance

Individual, unit pension insurance contribution ratio is how much, pension insurance double base how to calculate

Social security insurance is usually what we call the five insurance and one gold, which pays the highest proportion of pension insurance.

As China's aging population becomes more and more serious, the role of paying pension insurance is also more and more important, you can receive pension insurance in the case of retirement without work to maintain the daily expenses, the state provides for the payment of a cumulative total of more than 15 years.

What is the double base of pension insurance, how to calculate, individuals and units to pay the proportion of pension insurance and how much?

Pension insurance double base refers to the unit to pay the base and the individual to pay the base, five insurance and one gold payment ratio, pension insurance payment accounted for the highest proportion of the company to pay the proportion of 20%, the proportion of personal payment is 8%.

The part paid by the individual will be credited to the individual's pension insurance account, while the part paid by the company will be credited to the pension insurance fund.

The monthly company and individual contributions to the pension insurance are calculated based on the social security contribution base, which is based on the local average salary of the previous year.

The highest is 300% of the average salary, the lowest is 60% of the average salary, the employer will usually pay the minimum base for employees.

For example, in Wuhan, if the average salary of the previous year in Wuhan is 5,000 yuan, the minimum contribution base can be calculated, which is 5,000 * 60%, is 3,000 yuan.

The unit contribution rate is 20%, then the amount of monthly pension insurance is 3000 * 20% = 600 yuan; personal contribution rate is 8%, then the amount of monthly personal pension insurance is 3000 * 8% = 240 yuan, personal contributions directly in the salary deduction.

In the personal pension insurance account, you can see that you have paid 240 yuan per month, and the 600 yuan paid by the company will be credited to the overall fund.

Pension insurance is very important for everyone, only need to pay a total of 15 years, after retirement you can receive pension insurance to maintain life, to protect the old age, can reduce the burden for their children.

Although a certain amount of money will be deducted every month, but the role of the five insurance is very big, if the employer requires employees to pay five insurance, must not refuse.