How much does the social security accumulation fund pay in January?

First of all, we should realize that social insurance is better than commercial insurance for the following reasons:

1. Social insurance is a national welfare security undertaking that is not for profit, while commercial insurance is for profit. Generally speaking, the charge of commercial insurance is much higher than that of social security of the same specification ~

2. Social insurance covers more aspects than general commercial insurance. Commercial insurance generally only covers medical care or old-age care, while social insurance can generally cover five risks at the same time. Moreover, in terms of medical care, the advantages of social insurance are very prominent.

The standard of social insurance is constantly improving every year. At the beginning of July every year, the state will adjust the social security base according to the basic salary of employees, and the adjustment ratio is still very high. Generally, it will increase by more than 10% every year, which means that the more money you get later, the biggest advantage of this is that it can eliminate the impact of inflation in a relatively small range, and even if commercial insurance will adjust its return, it will not rise faster than social insurance as a whole.

In short, the working students who have not participated in social insurance should do so as soon as possible, and the working students who have participated in commercial insurance but have not participated in social insurance should also do so as soon as possible.

So, how is social insurance specifically constituted?

Nowadays, when students go out to look for a job, they often hear that the company pays three insurances and one gold or five insurances and one gold. Yes, this means that the company is willing to pay social insurance for you, but according to the national regulations, you have to pay a part at the same time, which involves the composition and proportion of social insurance. Every province and city has its own standards, so they are not the same, but they are not much different. Take Nanjing where I live as an example:

Social insurance = endowment insurance+medical insurance+unemployment insurance+industrial injury insurance+maternity insurance+housing accumulation fund.

(Note: The practices of the above five insurances and one gold may be different in different regions. Your company may not pay all the five insurances and one gold for you. For example, some units in Nanjing do not pay medical insurance for employees, but only pay the remaining four insurances and one gold. Some units only pay five risks instead of provident fund, so you must find out what risks your company has paid you and whether to pay provident fund! )

The specific social security composition ratio is:

Endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major illness co-ordination mainly covers hospitalization);

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself;

Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself.

Most importantly, in this way, the proportion of social security paid by the company for you every month should be 21%+9%+2%+0.5%+0.8%+8% = 41.3%.

Your monthly social security payment should be 8%+2%+10+1%+8% =19%+10.

Leaving aside 10 paid by Yuan You for the time being, the ratio paid by the company and yours should be 4 13: 190, which means that if you pay 190 yuan's social security every month, the company will put 4 13 yuan into your social security account and add it to your social security account every month.

So when you can't see it, the social security paid by the company is actually more than twice that of you, so don't feel bad when you pay social security every month ~ You have to know that the company pays much more than you, and it is actually the company that feels bad.

Yaya ~ Go back to three insurances and one gold and five insurances and one gold. You should have seen it here. The three insurances and one gold mentioned in Jianghu are actually equal to five insurances and one gold, except that the three insurances and one gold come from your personal insurance (pension+medical care+unemployment+work injury+maternity+provident fund) and the five insurances and one gold come from your insurance (pension+medical care+unemployment+work injury+provident fund).

In addition to the company can pay social security for you, in fact, students who don't have a job but earn money or students who have a company but don't pay social security can also pay social security themselves, but individuals can only pay endowment insurance+medical insurance, work injury, maternity, unemployment and provident fund, which you can't personally pay.

The composition and proportion of social security are introduced above. What is the base of social insurance payment?

Just now, the students already know that the social security ratio paid by the company every month is almost 4 13: 190, so now there is another question: What is the relationship between the social security fee paid each month and this ratio? How is the social security fee determined?

You may not have noticed that every province and city issues a "minimum payment base for social insurance" at the beginning of July every year. This base is based on the average salary+welfare+various subsidies and other miscellaneous expenses of employees in the previous year, which is determined after statistical calculation. The minimum base number announced by Nanjing in July this year is 1 189 yuan. What does this mean? It means that as long as Nanjing is a regular unit to pay social insurance for its employees, the minimum monthly payment for each employee is1189× 41.3% = 491yuan, and employees must at least pay189×19%+.

But now there is a new problem. The wages of employees in Nanjing vary greatly. Some people earn 1000 a month, while others earn 10000 a month. Does it mean that people who get 1000 pay the same social security fee as those who get 10000?

Please note that this 1 189 is the lowest radix, and there is a highest radix above 1 189. Nanjing's highest base this year seems to be more than 8,000. I forgot the details, too Anyway, if your salary is below 1 189 yuan per month, the company must also pay189 yuan +089 × 4 1.3% = 49 1 yuan, and you must pay at least/kloc-0 per month. This is the significance of 1 189 as the minimum payment base of social security: even if you get 1000 or 800 yuan a month, you have to pay the minimum amount of 1 189 every month!

However, if your salary is higher than 1 189, for example, you get 3,000 yuan a month, then when your company goes to the labor bureau to pay insurance for you (the social security fee paid by your company has been deducted by the labor bureau), you should say to the labor bureau, "Yes, we have a comrade here who gets 3,000 yuan a month, please follow 3,000 yuan. Then the Labor Bureau will deduct your company and your money based on 3000 yuan, and then pay it to your social security account. At this time, your company will pay you 3000×4 1.3% = 1239 yuan every month, and you will pay 3000× 19 yuan every month.

That is to say, if your salary is below 1 189 yuan, then you should pay according to 1 189 every month; If your salary is above 1 189 yuan, you will pay according to your actual salary every month, unless your salary is higher than the maximum base. If you get 10000 a month and the maximum base is 8000, you and your company will pay it according to 8000.

Here, I want to expose the shameless practices of some companies. These companies may give you thousands of wages every month, but when you go to the labor bureau to declare your base, you will not report it according to your actual salary. For example, if you take 3,000 yuan a month, they may say that you only take 1 189×6589 yuan, and then the labor bureau will only deduct you 1 189×659 yuan a month.

No! If so, then your company is shameless! Because the company pays twice as much as you, the less you pay, the less they pay! If calculated according to your actual salary of 3,000 yuan, they should pay you 3000×4 1.3% = 1239 yuan per month, while if calculated according to 1 189×4638, they will only pay you/kloc-0 per month. So in fact, you suffered a big loss! Regular companies will only report to the labor bureau according to your actual salary and deduct money! Only those cheap companies will pay you according to the minimum standard no matter how high your salary is! ! Don't think that the less you deduct from your social security fee every month, the better! ! Maybe you have been shamelessly bullied by the company and you have no idea! ! !

It's simple to determine the base number paid by the company for you: 300 yuan social security is deducted every month, and your base number is almost 300÷ 19%≈ 1578 yuan. See if your salary is this amount. If your salary is significantly higher than 1578, for example, you actually get 3000 or 4000 a month. After being bullied, you can go to the local labor inspection brigade to sue your company. Generally speaking, you can tell the truth when you sue, but you'd better find evidence (such as salary slips) before you sue, otherwise you won't be able to mix up in the company after you sue-+

Explain again that the proportion of social security varies from place to place. If you are not in Nanjing, your contribution rate is probably not 19%, but it will certainly not be too bad. For example, your base number may be 20% or 22%, but it will never be 30% or 40%! So although 19% is the proportion of Nanjing, students from other places can also use it to calculate their own base.

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