What is the contribution rate of social insurance?

The specific social security composition ratio is: \ x0d \ x0d \ endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself; \x0d\ medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan's major illness co-ordination (major illness co-ordination mainly covers hospitalization); \ x0d \ x0d \ unemployment insurance: the company pays you 2% every month, and you pay it yourself1%; \x0d\ industrial injury insurance: the company pays 0.5% for you every month, and you don't have to pay any money yourself; \x0d\ maternity insurance: the company pays 0.8% for you every month, and you don't have to pay any money yourself; \x0d\ Housing accumulation fund: the company pays you 8% every month, and you pay 8% more \ x0d \ Therefore, the proportion of social security paid by the company every month should be 21%+9%+2%+0.5%+8% = 41.3%. Your monthly social security payment should be 8%+2%+ 10 yuan+1%+8% =19%+10 yuan \x0d\ not to mention the temporary removal of the paid10 Yuan You, the proportion paid by the company and your contribution. In fact, the three insurances and one gold mentioned in the Jianghu are completely equal to five insurances and one gold, but the three insurances and one gold come from your personal insurance (pension+medical care+unemployment+provident fund). Just say that three insurances and one gold are five insurances and one gold. \x0d\ In addition to the company can pay social security for you, in fact, people who don't have a job but earn money or people 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-related injuries, maternity, unemployment and provident fund, which individuals can't pay. \x0d\\x0d\ Let's introduce what is the social security payment base \x0d\ Just now, everyone knows that the social security payment ratio paid by the company is almost 4 13: 190. So \x0d\ now there is another question: What is the relationship between my monthly social insurance premium and this ratio? How much is the social insurance premium? \x0d\ 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 calculated and determined according to the average salary+welfare+various subsidies of employees in the previous year. The lowest base announced by Nanjing in July this year is 165438+. It means that as long as Nanjing is a company that pays social security for its employees, the minimum monthly payment for each employee is1189× 41.3% = 491yuan, and employees must pay at least 165438+ per month. \x0d\ But now there are new problems. The wages of employees in Nanjing vary greatly. Some people have a monthly salary of 1000, while others have a monthly salary of \x0d\ 10000. Can it be said that people who get 1000 pay the same social security fee as those who get 10000? \x0d\ Please note that 1 189 is the minimum radix, and there is a maximum radix above 1 189. The highest base in Nanjing this year seems to be more than 8,000 \x0d\, which I forgot. Anyway, if your monthly salary is 165438+, the company must also pay1189× 41.3% = 491yuan189. X0d\ The significance of guaranteeing the minimum payment base is that even if you get 1000 or 800 yuan a month, you have to pay the minimum 1 189 every month! \x0d\ But if your salary is higher than 1 189, for example, you earn 3,000 yuan a month, and when your company goes to the Labor Bureau to pay insurance for you (both your company and the social security fee you paid are deducted by the Labor Bureau), you should say to the Labor Bureau, "Yes, we have a colleague here." Please deduct the social security fee according to the standard of 3000 yuan. " Then the labor bureau will deduct your company and your money according to 3000 yuan \x0d\, and then transfer it to your social security account. At this time, your company should pay you 3000××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××× And you personally have to pay 3000× 19%+ 10=580 yuan \x0d\ that is, if your salary is below 1 189 yuan, then you have to pay1/89 yuan every month; If your salary is 1 189 yuan \x0d\, then you will pay according to your actual salary every month, unless your salary is higher than the maximum base. If you get \x0d\ 10000 a month, and the maximum base is 8000, you and your company will pay according to 8000 \ x0. These companies may give you thousands of dollars a month, but when you go to the labor bureau, you will not be paid according to your actual salary. For example, if you get 3,000 yuan a month, they may say that you only get 1 189 yuan when you go to the labor bureau, and then the labor bureau only deducts you 165438 yuan a month. 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 your actual salary is 3000 yuan, they should pay you 3000×4 1.3%= 1239 yuan of social insurance every month, but if calculated according to 1 189, they will only pay you 165438 every 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 regardless of your salary! ! Don't think that the less you deduct from your social security fee every month, the better! ! Maybe \x0d\ you have been shamelessly bullied by the company and you have no idea! ! ! \x0d\ 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 \x0d\ is almost 300÷ 19%≈ 1578 yuan. Please see if your salary is this figure. If your salary is significantly higher than 1578, then you must be bullied by the company. After being bullied, you can go to the local \x0d\ labor inspection brigade to sue your company. Generally, every complaint is accurate, but it is best to find evidence (such as salary slips). ) when you leave your job. Otherwise, we can't get along with the company in the future -+\x0d\ Explain again the composition of social security in various places. X0d\ is not 19%, but it certainly can't be too bad. For example, your base number may be 20% or 22%, but it will never be 30% or 40%! So \x0d\ Although 19% is the proportion of Nanjing, students from other places can also roughly calculate their own base \x0d\ Let's introduce the specific situation of these social insurance premiums and how to use them \x0d\ As mentioned earlier, social insurance = endowment insurance+medical insurance+work injury insurance+maternity insurance+unemployment insurance+housing provident fund \x0d. This insurance is generally paid 15 years before you can enjoy the pension for life, so students who want to get the pension \x0d\ must pay it before retirement 15 years, and it is almost the same outside Nanjing. \x0d\ If you pay the pension insurance when your retirement age is less than 15 years, the state will take you to retirement. After you retire and take your personal money, the state will transfer 2 1\x0d\% of the money paid by the company to the national pension fund, which has nothing to do with you. \x0d\ You might say: Holy shit! That's my money. Why not give it to me? Because it is stipulated by the state. \x0d\ When returning money, only the money withheld by the individual is returned to the individual, and the money paid by the unit for him has contributed to the country-\x0d\\x0d\ \ Let's see how the pension is calculated when retiring. \x0d\ The algorithm of pension is very complicated. Because the country changes the payment base once a year, for example, if you are 30 years old, your current payment base is 3,000 yuan. If you are 55 years old, you must start to pay the old-age insurance before you are 40 years old. If you start to pay from 30 years old now, it will be 25 years after you are 55 years old, so you must enjoy the pension first. If the payment base of 3,000 Yuan You becomes 6,000 yuan after 25 years (I mean if), then at the age of 55, you can get a basic pension of 6,000× 20% =1.200 yuan, which is given to you by the state. Besides, the money in your personal account will be available in 25 years. (3,000+6,000) ÷ 2 = 4,500, so \x0d\ Yao, you should have 4,500× 8% (the proportion of personal pension insurance) in your personal account for 25 years × 12 months \ x0d \ = 108000. Then in addition to the previous 1200, you can get 108000÷ 120=900 every month, so you can get at least1200+900 = 2 every month from the age of 5\x0d\5. After you retire, you will get more money every month than 1200, so your pension will definitely increase \x0d\ so the more pension insurance you pay, the better. The more you give, the more you enjoy after retirement. Moreover, after the country adjusts the \x0d\ base every year, you will get more and more money. After paying 1000 \x0d, you may get 1500 \ here is an abnormal policy, that is, no matter where you pay social security, when you retire, you can only go back to your \x0d\ account and enjoy local retirement benefits. So, pay social security fees in a place with a high base but retire to a place with a low base. Let me give you an example. If you worked in Nanjing \x0d\ when you were young and paid social security for 20 years and then retired, but if your household registration is in Heilongjiang, you must go back to Heilongjiang to enjoy the pension \x0d\ gold. If you have paid in Nanjing for 20 years, the average base is 3000 (I said if), but when you retire, the base of payment in Heilongjiang is only 6500. This is a loss! In a \x0d\, if you pay social security in a rich place, but return to a poor place to enjoy social security after retirement, then you have paid a lot in your life, but enjoyed very little! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is nothing we can do. This is the national policy. So please pay attention to all students who are currently registered in places with low base, such as the west, but work in places with high base, such as Beijing or Shanghai. Either you pay social security in the west, or you move your registered permanent residence to Beijing or Shanghai before you retire, otherwise \x0d\ you will be doing a huge loss-making business in your life. If the registered permanent residence is in Nanjing, pay in Heilongjiang for 20 years, pay in a place with a low base, and return to a place with a high base to enjoy high treatment when you retire. No! \x0d\ Do you think Nanjing Labor Bureau will let you enjoy it like this? ! Generally speaking, Nanjing will find reasons to directly refuse your transfer! At that time, you will be smarter than you: you can't enjoy the Black Dragon \x0d\ River, and Nanjing can't enjoy it! \x0d\ But some places have some loose regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay a high base in Nanjing for five years before allowing you to return to Nanjing to enjoy old-age care. This policy is estimated to be different from place to place. Students who plan to transfer in the future had better go to your local labor bureau to deal with this problem now. \x0d\ Besides medical insurance \x0d\ The policy of this insurance country is not bad. The important thing is a lot of reimbursement for hospitalization. \x0d\ As I said before, the monthly medical insurance paid by the company is 9%, and your monthly medical insurance is about 2% plus 10 yuan \x0d\ major diseases. This serious illness is nothing more than hospitalization. In 1 1%, the state will deposit \x0d\ your own 2% into your medical insurance account every month. If social security is paid according to the minimum base 1 189 yuan every month, then 1 189×2%=23.78 yuan. You can accumulate this money and buy medicine directly by credit card or go to the clinic, and the remaining 9% will go to the medical pooling fund. According to Nanjing's regulations, those who paid medical insurance on June 5438+ 10, 2007 can swipe their cards to buy medicine or go to the clinic from February 2007, and since July 2007, reporting is quite complicated. For example, \x0d\: \x0d\ If you were hospitalized on August 1 2007 and lived in the best tertiary hospital in Nanjing, all the drugs used during hospitalization were within the scope of medical insurance, and the expenses such as surgery and hospitalization were \ x0d \ 5,000 yuan, then you should use medical insurance when reimbursing. The remaining 4000 medical insurance centers can be reimbursed 4000×86% = 3440 yuan. You only need to pay 4000× 14% = 560 yuan, and with the previous starting price of 1000 yuan, you only need to pay 1560 yuan for this 5000 yuan. You can also deduct it from your medical insurance \x0d\ (if you don't use it much at ordinary times), so it won't cost you much to stay in hospital. Medical insurance is much more important to us young people than old-age insurance. After all, seeing a doctor and staying in hospital is too fucking expensive, which is also the most important significance of participating in social insurance. But Nanjing stipulates that medical insurance must be paid for 25 years before you can enjoy it for life after retirement. So if you retire at the age of 55, you must start paying medical insurance at the latest at the age of 30. Let's talk about industrial injury insurance. This kind of insurance is rarely used in practice, and I don't have much contact with it. Need to be reminded that this insurance will come in handy if something happens at work or after work. However, in practice, many people do not pay attention to the preservation of evidence, resulting in the inability to enjoy work-related injury insurance. This is a pity. \x0d\ If you get hit by a car when you get off work, you should call the police as soon as possible and let the police investigate the records and take photos to collect evidence. The police station will give you an accident certificate or something after h\x0d\ling it. You can take it to the company and ask for a work-related injury report. \x0d\ If something happens to you, and you just let people get away without calling the police or something, it will not be accepted as a work-related injury, and there is no evidence. There is also a time limit. In case of work-related injury on July 1 2007, I must immediately report to the unit, and submit \x0d\ evidence and accident appraisal certificate issued by the police, as well as my medical or hospitalization certificate after work-related injury. Please take these materials to \x0d\ for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August 1 2007. If it is more than one month before the date of your work-related injury, you can not identify the work-related injury. If your company doesn't give you an appraisal, \x0d\ you can take the materials to the appraisal center for appraisal. Otherwise, it will be very troublesome. Besides, maternity insurance is another example. If you are a girl with a monthly salary of 1000 yuan, you will start to pay maternity insurance on June 65438+ 10/in 2007. The payment base is 165438. I was born at the end of June, 5438+February, 2007, and was discharged from hospital in June, 5438 +2008 10, so you should \x0d\ submit the marriage certificate (unmarried children can't be reimbursed)+the one-child certificate (generally speaking, two children can't be reimbursed) \x0d\+ medical records+all invoices for the medical check-up and hospitalization expenses+. If you spend 500 yuan on physical examination when you are pregnant and 2000 yuan on hospitalization and surgery when you give birth, generally speaking, the company can basically reimburse you all within the scope of medical insurance. The money you will receive after reimbursement includes: 500 yuan for physical examination+2000 yuan for hospitalization and surgery+1 189. 1 189 yuan/month× 4 months. This is a special subsidy for girls reimbursed by the medical insurance center. Only girls can get an average salary of 4 months when they are reimbursed for maternity insurance. So if you reimburse a child, you can earn four months' salary without spending money! If your base salary is higher than your salary, for example, 1000 yuan is 1 189, \x0d\ then you still have to earn \x0d\ maternity insurance for at least one year before you can enjoy it. Remember \x0d\ another question, boys also pay maternity insurance ~ so can boys enjoy maternity insurance? \x0d\ If you are a boy, your wife doesn't have a job or the work unit doesn't pay insurance, and you have paid maternity insurance for more than \ x0d \ 1 year when she gave birth, then you can also reimburse maternity insurance, but in the previous example, you can only reimburse 500 examination fees+half of 2000 hospitalization surgery fees = 10. This is for girls to enjoy when they are reimbursed. For the same expenses, girls can get the reimbursement of 7256 yuan, while boys can only get the reimbursement of 1250 yuan, which is probably a rare policy of "discriminating against men" in China-+\ x0d \ Therefore, girls had better make plans in advance before giving birth. \x0d\ And if a boy wants to marry a wife, he'd better marry a girl who has paid maternity insurance for one year at the time of giving birth and whose salary is higher than his own. But it doesn't matter if she really doesn't have insurance. You can also reimburse her for maternity insurance, but \x0d\ you won't get the subsidized four-month salary, and you can only get half of the fee in return. \x0d\x0d\ unemployment insurance \x0d\ unemployment insurance, you can only enjoy this after paying for one year. Generally, if you pay 1 year, you will get two months, and if you pay two years, you will get four months, but you will get 24 months more in your life. For example: \x0d\ If you paid in 2007, and you were dismissed from the company in June 5438+October 2008 10, you can ask the company to give you unemployment insurance for two months \ x0d \. If you pay insurance on the basis of 1 189 this year, you can get at least \x0d\ in 800 yuan or 1 in 2007. June 5438 +2008 10, your contract with the company expired. If you don't want to renew your contract, you can also ask the company to provide you with unemployment insurance for two months, more than 800 yuan, before you leave your job. In other words, when the contract expires or the company dismisses, you can ask the company to give you unemployment benefits for two months a year. \x0d\ But if you resign before the contract expires, even if you have paid 1 year, you can't enjoy unemployment insurance. \x0d\ As long as you resign yourself, even if you pay 1 year, you won't get a penny until you resign. Housing provident fund is a good thing. Let's just say that you pay the 200 yuan Provident Fund every month, and the company will also call 200 yuan into your account every month. When you buy a house, it will only be 400 yuan. If you pay 50,000 yuan in your life, your account will be 65,438+10,000 yuan. This kind of good thing must not be \x0d\. \x0d\ provident fund can be used to buy a house, repay loans, decorate and so on. If your family can find land to build a house, the money for building a house can also come from the provident fund. If you don't use the money all the time, it seems that you can withdraw all the money when you finally retire. \x0d\[ Advanced] Supplementary Note [5kb] \x0d\ Magic is not allowed to pay medical insurance, that is to say, the social security center \ x0d \ includes pension, medical care, unemployment, work injury and maternity, which are collected by enterprises, but the provident fund can be paid or not, because it is under the jurisdiction of the provident fund \x0d\ center. The specific social security composition ratio is: \x0d\ endowment insurance: the unit pays 22% for you every month, and you pay 8% yourself. \x0d\ medical insurance: the company pays you 12% every month, and you pay 2% yourself; \x0d\ unemployment insurance: the company pays you 2% every month, and you pay it yourself1%; \x0d\ industrial injury insurance: the company pays 0.5% for you every month, and you don't have to pay any money yourself; \x0d\ maternity insurance: the company pays 0.5% for you every month, and you don't have to pay any money yourself; \x0d\ Housing accumulation fund: the company pays 7% to you every month, and you pay 7% to supplement the housing accumulation fund: the company pays 8% to you every month, and you pay 8% yourself (this is only available to state-owned enterprises with good general benefits, and the proportion is determined by the company itself, so it is very ethical for general companies to pay the accumulation fund) \x0d\ Another sentence. The taxable base is calculated after deducting the personal deduction. However, it should be noted that \x0d\, the part of the provident fund and supplementary provident fund that exceeds 12% (the part paid by individuals and enterprises) also needs to be calculated in the tax base \x0d\ For example, the sum of the above-mentioned provident fund 7% and supplementary provident fund 8% is 15%, so individuals deduct it. 3% of the enterprise, although not deducted from the personal salary, is still included in the tax base, that is to say, the individual has to pay the adjustment tax for this expense. \x0d\ Medical insurance uses this piece, and the way to transfer it to personal account varies from place to place. \x0d\ love to say that it is transferred to Nanjing by month, and there are many places that are transferred by year. Specifically, the medical insurance year is from April 1 to March 3 1 of the following year, and the social security payment base also changes \ x0d. \ x0d \ On April 1 day, the Medical Insurance Bureau will advance the personal medical insurance of 1 year (that is, 2%) into the personal medical insurance card \ x0d \ account according to everyone's social security base, but there will be problems at this time. April 1 day, the social security base of that year has not been established, and the medical insurance bureau can only \x0d\ that is, April 1 day of the following year. It may seem troublesome to make up the shortfall or deduct the overpayment. Take \x0d\ someone's average monthly income of 5,000 yuan in 2004, 4,000 yuan in 2005 and 6,000 yuan in 2006. When the medical insurance bureau credited the personal account in April 2006 1, the social security center had not approved the payment base in 2006 \x0d\ that is, the average monthly income in 2005, so the medical insurance bureau still calculated the annual personal account amount of 5000 * 2% */kloc according to the payment base in 2005 (that is, the average monthly income in 2004 \x0d\). In April 2007 1 diary, the new year's \x0d\ human fund was still 960 yuan (actually, it should be 6000*2%* 12= 1440 yuan), and the underpaid 480 yuan will make up on April 1 2008. \x0d\ Therefore, because most people have different payment bases every year, almost everyone's total account in March is different from that in April. This is how the medical insurance bureau does annual expense accounting. \x0d\ Work-related injuries still have a limitation problem. If you have a work-related injury on July 1 2007, you must report it to the unit immediately, and hand over the \x0d\ evidence and accident appraisal certificate issued by the police, as well as the medical records of your medical treatment or hospitalization after the work-related injury, and ask the unit to take these materials to \x0d\ for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August 1 2007. If it is more than one month from the date of your work-related injury, you don't have to identify the work-related injury. If your company doesn't appraise you, you can take the materials to the appraisal center for appraisal, and it's better not to exceed one month, otherwise it will be very troublesome.