Qingdao employee social security payment base

The upper limit of social insurance base in Qingdao is 16346 yuan, and the lower limit is 3269 yuan. The proportion of social insurance payment stipulated by Qingdao municipal government departments is 16% paid by pension insurance companies and only 8% paid by individuals. Both industrial injury insurance and maternity insurance are paid by the employer, but the proportion of industrial injury insurance is determined according to the industry, and the proportion of maternity insurance is 1.

1. What is the social insurance base of Qingdao?

The upper limit of social insurance payment base in Qingdao is 16346 yuan and the lower limit is 3269 yuan. Proportion of social insurance contributions for employees of enterprises in Qingdao:

1. Endowment insurance: the company pays 16% and the individual pays 8%;

2. Unemployment insurance: the company pays 0.7% and the individual pays 0.3%;

3. Work-related injury insurance: the company pays according to the industry, and the individual does not pay;

4. Maternity insurance: the company pays 1.5%, and the individual does not pay;

5. Medical insurance: the company pays 8.8% and the individual pays 2%.

2. What kinds of social insurance are there?

1, endowment insurance

Endowment insurance is a social insurance system in which workers get certain economic compensation, material help and services from the government and society after reaching the legal retirement age. State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, institutions and their employees who implement enterprise management must participate in the basic old-age insurance.

The contribution rate of new insured units (referring to various enterprises) is 10%, and the individual contribution rate is 8%. Individual industrial and commercial households and their employees, flexible employees and other personnel who are insured in the form of individuals have different rates according to the payment period. Individual workers who participate in the basic old-age insurance, the payment base can be high or low within the prescribed scope, and more contributions will benefit more. To receive a monthly pension, employees must reach the statutory retirement age and have gone through retirement procedures; Units and individuals have participated in the old-age insurance according to law and fulfilled the obligation to pay the old-age insurance; Personal payment must be at least 15 years.

2. Medical insurance

The basic medical insurance system for urban employees is a social security system based on the affordability of finance, enterprises and individuals to ensure the basic medical needs of employees.

All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc. ), organs, institutions, social organizations, private non-enterprise units and their employees must participate in the basic medical insurance. The basic medical insurance fund for urban workers consists of the basic medical insurance social pooling fund and individual accounts.

The basic medical insurance premium consists of the employer and the employee's personal account. The basic medical insurance premium is paid by both the employer and the employee, of which, the employer pays 8% and the individual pays 2%. Part of the medical insurance premium paid by the employer is used to establish a social pooling fund for basic medical insurance, which is mainly used to pay for hospitalization, outpatient service for special chronic diseases, rescue and first aid expenses of insured employees.

Personal account funds are mainly used to pay the expenses of the insured for medical treatment and drug purchase in designated medical institutions and retail pharmacies. The part of the personal account that is exhausted or insufficient is paid by the insured in cash, and the personal account can be carried forward and inherited according to law. Insured employees are hospitalized due to illness, first pay the hospitalization deductible line, and then enter the overall fund and individual employee payment period.

3. Work injury insurance

Industrial injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased.

Work-related injury insurance premiums are paid by employers, and the collection rate of work-related injury insurance premiums in industries with high incidence of work-related injuries is higher than the general standard. On the one hand, it is to ensure that the industrial injury insurance fund can fully pay the industrial injury insurance benefits of employees in these industries. On the other hand, through the collection of high rates, enterprises can have a sense of risk, strengthen the prevention of work-related injuries and reduce the casualty rate.

4. Unemployment insurance

Unemployment insurance is a system enforced by the state through legislation and set up by the society to provide material assistance to workers who have temporarily interrupted their livelihood due to unemployment.

5. Maternity insurance

Maternity insurance is aimed at the physiological characteristics of fertility behavior. According to the law, when working women temporarily stop working and lose their normal income due to childbirth, the state or society provides them with material help. Maternity insurance benefits include maternity allowance and maternity medical services.

The maternity insurance fund consists of the maternity insurance premium paid by the employer and its interest and overdue fine. Maternity allowance for female employees during maternity leave, medical expenses incurred during childbirth, family planning operation expenses for employees and other expenses related to maternity insurance stipulated by the state shall be paid from the maternity insurance fund.

Social insurance is an important system to protect people's livelihood in China. However, it should be noted that the social insurance base of Qingdao or other cities will not remain unchanged. In recent years, the general trend of social insurance premium is increasing.