Minimum standard of five insurances and one gold in Zhangjiakou

1, pension insurance contribution ratio. Unit 2 1% (all included in the overall fund) and individual 8% (all included in the individual account)

2. Proportion of medical insurance payment. Unit 9%, individual 2%+3 yuan.

3. Unemployment insurance payment ratio. Unit 2%, individual 1%

4. Work injury insurance. The unit pays you 0.5% every month, and you don't have to pay a penny yourself; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit, which is between 0.5% and 2%.

5. Maternity insurance. The company pays you 1% every month, and you don't have to pay a penny yourself.

6. Housing accumulation fund. Specific units and individuals each bear 50% of the proportion, calculated according to the average annual salary of individuals.

The minimum payment standard for five insurances and one gold is as follows:

1, the old-age insurance is paid by the employer and employees * * *, with the unit paying in proportion to the total wages of employees in the unit and the individual paying in proportion to his own wages. The minimum payment base shall not be lower than the minimum wage standard for local employees;

2. The medical insurance premium shall be paid jointly by the employer and the employee. The unit contribution rate shall be controlled at about 6% of the total wages of employees, and the individual contribution rate shall generally be 2% of my salary. The minimum contribution base shall not be lower than 60% of the local minimum wage.

3. Unemployment insurance shall be paid by both employers and employees. Units pay 2% of their total wages, and individuals pay unemployment insurance premiums at 1% of their wages. The specific places may be different, and the minimum payment base shall not be less than 60% of the minimum wage standard for local employees.

4. Work-related injury insurance is paid by the employer, and the amount of work-related injury insurance paid by the employer is the product of the total wages of employees of the unit multiplied by the unit payment rate. The rates of different industries and different units can be different, and the minimum payment base shall not be less than 60% of the local minimum wage standard;

5. Maternity insurance premium is paid by the employer, specifically by the enterprise according to a certain proportion of its total wages. The specific proportion varies from place to place, and the minimum payment base shall not be less than 60% of the local minimum wage standard;

6. The housing accumulation fund shall be paid by both the employer and the employee. The amount of personal monthly deposit in the infiltration department is the average monthly salary of employees in the previous year multiplied by the proportion of personal housing provident fund deposit. The monthly deposit amount of the unit is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of the unit housing provident fund. The payment ratio of employees and units shall not be less than 5%, and the minimum payment base shall not be lower than the minimum wage standard of local employees.

How much salary can I get for five insurances and one gold minimum payment retirement?

1. monthly basic pension = the average monthly salary of local employees in the previous year after retirement ×( 1+ my average payment index over the years) ÷2× payment years × 1% (my average payment index over the years, that is, the average payment stalls over the years).

2. Monthly personal account pension = personal account savings ÷ months (50-year-old retirement 195 months, 55-year-old retirement 170 months, 60-year-old retirement 139 months). The calculated monthly index is used to calculate the pension in the year of retirement, which has nothing to do with the actual payment time limit and will actually be paid for life.

How to get more pensions;

1. Personal salary is high

Workers pay social security on the basis of their own wages, strive to raise wages, pay more, and naturally get more. Of course, if your salary is much higher than others and exceeds the upper limit of payment, you will still pay the highest grade according to the regulations, and it will not continue to rise according to your income.

2. Long payment period

The longer the payment period, the more rewards you get, so try not to interrupt social security payment, which is not only related to pension insurance, but also to medical insurance. The endowment insurance paid by 15 is valid for life, and the medical insurance will become a lifelong benefit after 25 years. Medical insurance is also very important for the elderly.

To sum up, it is Bian Xiao's answer to the relevant contents of the minimum standard of five insurances and one gold, hoping to help you.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

essay

The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.