Companies working in Jiangmen pay social security in Shenzhen. What impact will it have on individuals in the future?

Previously, their company was registered in Yongchuan District, Chongqing. Prior to this, their production and operation and company headquarters were in Yongchuan, and most of their employees came from Yongchuan. Later, with the dismantling of the chemical plant, the key production equipment of the enterprise was moved to the northwest region where raw materials were more convenient and quick, such as Xinjiang, Inner Mongolia and Ningxia. Companies that move to the local area are legal entities registered locally, so employees who work in Xinjiang or Inner Mongolia need to pay personal social security locally, but employees who are sent to places like Chongqing need to re-sign contracts with the head office and pay social security.

After 20 10, because the company's headquarters moved to the office in Chongqing, all the staff have moved from Yongchuan District to the office in the city. Because only the office address has been changed to the urban area, the registered address is Yongchuan District. Therefore, employees recruited in urban areas, or employees employed in other departments, have to transfer their social security relationship to Yongchuan District, and the provident fund must be applied in Yongchuan District. Employees of the Company shall retire in Yongchuan District after reaching the statutory retirement conditions. Because all personal social security in Chongqing has been coordinated at the municipal level, there is no difference between the wages and benefits of the places where social security is provided and those where retirement is provided.

Your current situation is the same as our company. Although the company has opened up a market in Jiangmen and worked in Jiangmen, the company is actually registered in Shenzhen. Because Guangdong Province established a provincial-level overall plan on 20 17, and gradually promoted the unification of payment norms and retirement policies in our province, there is little difference between payment in Shenzhen and payment in Jiangmen. Moreover, the minimum payment standard before Shenzhen, for employees whose household registration does not belong to Shenzhen or Guangdong Province, is based on the minimum wage of Shenzhen employees, and the minimum wage of Shenzhen employees is 2,200 yuan per month.

This is a great loss to foreign employees, especially those who are not registered in Shenzhen. The deposit base of 2200 yuan per month will never be so low in the whole country except Xiamen. It is said that applying for retirement salary in Shenzhen will be higher in the future, but if the pension insurance is paid at the base of 2200 yuan per month, the pension insurance premium is also the lowest in the country.

The minimum payment base in Jiangmen is 60% of the average monthly income of employees in the previous year, and the minimum payment base in 2020 is 3 100 yuan. Even the payment base of Jiangmen is actually very low, even lower than the minimum payment limit in some areas of Sichuan and Chongqing. Naturally, that's just the minimum payment limit. In fact, there is another relevant provision on the deposit base, which is to set the deposit base strictly according to the actual income of the individual. Whether in Shenzhen or Jiangmen, the actual income of employees is unlikely to be less than 2,200 yuan or at least 3 100 yuan per month. If you pay according to your actual income, your retirement salary will probably be better in the future.

According to the relevant provisions of the Guangdong Provincial Government Department's "Improving the Provincial Overall Implementation Plan for the Basic Old-age Insurance for Enterprise Employees", if the proportion of the plan before implementation is higher than that of our province, it shall be implemented in accordance with the unified proportion of the whole city; Less than the unified proportion of our province, under normal circumstances, it takes three years to gradually connect to the unified proportion of the city. After China has established a unified proportion of enterprise contributions to the basic old-age insurance for enterprise employees, it will be gradually unified throughout the country. In other words, it will take more than three years to convert the deposit ratio of Shenzhen and Jiangmen into the unification of our province.

Working in Jiangmen, personal social security is paid in Shenzhen, and social endowment insurance is paid in Shenzhen, which is not very harmful to employees. Because the solution of social endowment insurance at the provincial level in Guangdong Province has been gradually implemented, the biggest harm may be medical insurance, because the social security card is from Shenzhen, and some personal medical insurance accounts must be swiped in designated pharmacies or hospitals in Shenzhen. In Jiangmen, you can't use your social security card to swipe your credit card to get medicine at a designated pharmacy. However, the medical expenses only need to be treated in different places in the province, and there is not much difference between hospitalization in Jiangmen and hospitalization in Shenzhen. According to the plan of Guangdong Medical Insurance Bureau, Guangdong's medical insurance goal is to complete provincial-level overall planning by the end of 2020, but so far, there is no comprehensive solution at the provincial and ministerial levels for medical insurance in Guangdong.

Generally speaking, it is not very important for personal influence to work in Jiangmen and pay social security and social endowment insurance in Shenzhen, because Guangdong Province has achieved provincial-level overall planning, and will retire in which area it will eventually pay fees in the future, without transferring the pension insurance relationship; Before the medical insurance has not been completed at the provincial level, it is difficult to pay medical insurance in Shenzhen by swiping the card in Jiangmen. Need to be hospitalized in Jiangmen and go to Shenzhen for medical treatment, which has certain influence on employees' medical treatment.