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2019 Jiangxi five insurance and gold payment base ratio, five insurance and gold minimum standard

The secret of Jiangxi Province, five insurance and a gold: housing fund long-term without cost-effective

It is understood that, in accordance with the contribution base × (enterprise contribution ratio + employee contribution ratio) this formula can be calculated five insurance and a gold contribution amount, then, Nanchang five insurance and a gold contribution standard and how it is like? The following is the information that I have collected for you from the Golden Castle Insurance Network.

1, Nanchang five insurance a gold in social security contribution standards

Social security contribution base since the degree of the basic pension insurance and unemployment insurance for employees using the average monthly salary of the province's average monthly salary of the last year on the job employees. Jiangxi Province work workers basic pension insurance using the province's average monthly salary of on-the-job workers for 3852 yuan / month (Gan People's Republic of China Social Words [2015] No. 252). Employers declared in accordance with the provisions of paragraph 2 of Article 3 of this Notice, the monthly contribution base for individual employees, higher than 300% of the average monthly salary of the province's on-the-job employees used in the basic pension insurance for employees, according to the province's on-the-job employees 300% of the average monthly salary of employees as the base for the collection of the individual payable employees' basic pension and unemployment insurance premiums.

Basic medical insurance for urban workers, industrial injury insurance, maternity insurance, the use of the average monthly salary of on-the-job workers in Nanchang City, the average monthly salary of on-the-job workers in the previous year.



The average monthly salary of on-the-job workers in Nanchang City is 4216 yuan per month (Gan Renmin She Zi [2015] No. 252). Employers declared in accordance with the provisions of paragraph 2 of Article 3 of this Notice, the monthly contribution base for individual employees, less than 60% of the average monthly salary of on-the-job workers in Nanchang City, the employer and the employee are the degree of the average monthly salary of on-the-job workers in Nanchang City, 60% of the average monthly salary of on-the-job workers in Nanchang City, as the basis for the urban workers' basic medical insurance, work-related injuries insurance, maternity insurance premiums.

Social Security Contribution Ratio

Pension Insurance: 20% of the enterprise portion, 8% of the individual portion

These are the main reasons for the increase in the number of employees in the city. Strong> Medical insurance: 6% for the enterprise part, 2% for the individual part + 8 yuan

Unemployment insurance: 2% for the enterprise part, 1% for the individual part

Unemployment insurance: 2% for the enterprise part, 1% for the individual part

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Unemployment insurance: 2% for the enterprise, 1% for the individual

Maternity insurance: 0.8% for the enterprise, no contribution for the individual

2, Nanchang City, five insurance in the provident fund contribution standard

< According to the latest adjustments made by the center, the upper limit of monthly contribution is RMB 3200 (including unit and individual parts) and the lower limit is RMB 260 (including unit and individual parts). Compared with the previous contribution year, the upper limit has increased by 200 yuan, and the lower limit remains unchanged.

Provident fund contribution ratio according to the unit, the individual each 12% implementation.

Looking for a job, in addition to asking for wages, generally also ask how to pay for five insurance and one gold. The reason for this is that you can't live without it. But there are some secrets that you don't know about. For example, the pension insurance to pay more ≠ get more; medical insurance is not all the disease can get insurance and so on.

Here's what you need to know about the five insurance policies:

These are the secrets of the five insurance policies.

What is the five insurance and one gold: social security five insurance and one gold, including pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, housing fund.

Secrets of the five insurance a gold scam: your money is not in vain <

The formal five insurance payment ratio

Next, let's unravel the secrets of the five insurance policies in detail.

1. Pension insurance in Jiangxi Province: your consumption level may have to drop dramatically after retirement .

Currently, China's pension system, with the "urban workers basic pension insurance" as the core. This means that working people have a sum of money deducted from their paychecks every month, and when they reach the legal retirement age (60 for men and 50 for women), they can receive a pension from the social security system.

If you graduated from college at age 22, and are working in Beijing, which has the highest Pension Development Index in China, your average monthly income is 8,000 yuan ($4,000). Your average monthly income is 8,000 RMB (2011 Beijing average monthly salary is 4,672 RMB), and your unit contributes 8,000 RMB to your salary base. According to the fixed growth rate of 5%, your monthly salary will be 48,600 RMB when you retire (age 60). And according to the current standard, the pension you receive after retirement is $8,624. This equates to only 18% of your pre-retirement salary and is less than the national average basic consumer spending.

2. Jiangxi Province health insurance: not all illnesses can be covered .

Plastic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, the above medical expenses, health insurance is not care.

Additionally, if you are unfortunate enough to be involved in a traffic accident or injured by a gangster, these will not be covered by the medical insurance, and will only be temporarily written off by the medical insurance if the public security authorities prove that the perpetrator could not be found. The only way to get a temporary write-off from your health insurance is if the public security authorities can prove that they can't find the perpetrator.

There are a lot of limitations on how you can use your health insurance. The first thing you need to do is to get a good deal on a new product or service, and you'll be able to get a good deal on a new product or service that you're not used to.

1) the unit and I have been in accordance with the provisions of the obligation to fulfill the obligation to pay unemployment insurance contributions for 1 year

2) Resignation not of one's own accord

Then there's a whole lot of paperwork to be done: you have to leave your job with a vocational guidance training card within 60 days of leaving your job. Within 60 days from the date of leaving the company, you should register as unemployed at the labor security department of the street or town where your household is located with your vocational guidance and training card, household register, ID card, proof of termination of the labor contract or working relationship, and a photo, and go through the procedure of applying for unemployment insurance benefits.

Note that it's the location of the hukou, which means that if you have a hukou in Gansu and you work in Shanghai, you'll have to go a long way back to your hometown to get it done. The current standard, most of the cities in a month of unemployment insurance benefits ranging from a few hundred yuan, basically not more than 1,000 yuan, the more economically backward areas, the less you can receive. The money is not much, can be collected for a long time is not long: unemployed before the cumulative contribution of 1 year to 5 years, up to 12 months; 5 years to 10 years, up to 18 months; cumulative contribution time of more than 10 years, up to 24 months.

4, Jiangxi Province, Workers' Compensation Insurance: 48 hours of life and death

June 19th, the network appeared on an article titled "minor civilian workers late death 1 hour is not counted as a workplace death forcing people to die early? All the way. The post said, Hunan Loudi 17-year-old civilian workers Chen Guo, in Dongguan City, Shijie Town, working in severe heatstroke death. As Chen Guo died in the 49th hour after the onset of the disease, his family has not been able to get compensation after 20 days.

They were told that Article 15 of China's Workers' Compensation Insurance Regulations stipulates that, during working hours and at the workplace, death from sudden illness or death within 48 hours of resuscitation is regarded as a work-related injury. Death is regarded as a work-related injury. Chen Guo is the 49th hour after the onset of the disease died, is not considered a work injury.

In fact, disputes and lawsuits about the recognition of work-related injuries have been ongoing. It's not just the 48-hour life and death line, it's not that easy to recognize workplace injuries.

5, Jiangxi Province Maternity Insurance: must have a unit

Maternity is a very personal thing, but if you don't have a work unit, it's hard to enjoy maternity insurance. This is because maternity insurance must be paid for by the organization. In other words, a full-time wife would not be able to have maternity insurance.

Maternity insurance is only available if you have paid contributions for at least one year. You will have to continue to pay after the birth of your child, and if you don't, you won't be able to take advantage of the family planning benefits at a later date.

6, Jiangxi Province housing fund: long time no cost <

A lot of people know that the more you pay for your housing fund every month, the better, the more you can use it to buy a house in the future, and the more you can use it to renovate. But for those who don't buy a house, or are not planning to buy a house in the near future, it's not cost-effective to have a provident fund just sitting in your account.

Because the portion of CPF that is paid in the current year can only earn a demand deposit rate, and funds paid in previous years can only earn a three-month fixed deposit rate. With inflation on the rise, it is obviously not as good as using it for investment yourself, or even a one-year fixed deposit in a bank.

Now, these little secrets about the five insurance and one gold, you have figured it out?