Proportion of Shanghai paying five insurances and one gold

In Shanghai, 2 1% units and 8% individuals pay five insurances and one gold. Medical insurance unit 9%, individual 2%+3 yuan. Unemployment insurance unit 2%, individual 0%. Industrial injury insurance pays 0.5%. Maternity insurance payment 1%. Housing accumulation fund: the employer pays the housing accumulation fund at 12% of the salary. Units and individuals are 65438+ 02% of salary.

First, Shanghai five insurance and one gold payment base and payment ratio

Pension insurance unit payment ratio: 21%; Individual contribution ratio: 8%

Payment ratio of medical insurance unit:11%; Individual contribution ratio: 2%

Payment ratio of unemployment insurance unit:1.5%; Individual contribution ratio: 0.5%

Payment ratio of maternity insurance unit:1%; Individuals do not bear the payment.

Payment ratio of industrial injury insurance unit: 0.5%; Individuals do not bear the payment.

2. What is the base of social security payment in Shanghai?

According to the latest news released by Shanghai Human Resources and Social Security Bureau, the social security payment bases from April 1 to March 3 1 were 15 108 yuan (three times the average monthly salary of employees in Shanghai last year) and 3,022 yuan (60% of the average monthly salary of employees in Shanghai last year).

Note: The upper limit of the individual contribution base of employees in a unit is 15 108 yuan, and the lower limit is 3022 yuan. The unit payment base is determined by the sum of individual monthly payment bases in the unit.

Three, Shanghai housing provident fund deposit base and deposit ratio

(A) the proportion of housing provident fund deposit

Workers and units housing provident fund and supplementary housing provident fund shall be paid in the same proportion as the degree. That is, the housing provident fund deposit ratio is still 7% each; The proportion of supplementary housing provident fund deposit is still 1% to 8% respectively, and the specific proportion is determined by each unit according to the actual situation.

Units that have real difficulties in depositing housing provident fund may apply for reducing the deposit ratio (the deposit ratio of employees and units shall not be lower than the prescribed minimum deposit ratio, taking a positive integer) or holdover housing provident fund, and then increase the deposit ratio or repay the holdover amount after the economic benefit of the unit improves.

(B) Housing provident fund deposit base

Since July of 1 year, the deposit base of employee housing provident fund in this city has been adjusted from the average monthly salary to the average monthly salary. Employees who have joined the work since June 65438+ 10 1 shall take the monthly salary income of employees in the second month or the average monthly salary actually paid since they joined the work as the deposit base of housing provident fund. Workers newly transferred from June+10/October 1 June, 65438 shall take the monthly salary paid after transfer or the actual average monthly salary paid as their housing accumulation fund payment base.

(three) the minimum and maximum monthly deposit of housing provident fund

The maximum monthly contribution of housing provident fund is 1970 yuan, and the maximum monthly contribution of urban individual industrial and commercial households and their employees and freelancers is 3,378 yuan. According to the deposit ratio of 7% of employees and units, the minimum monthly deposit of housing provident fund is 204 yuan. The lower limit of the monthly deposit of housing provident fund for urban individual industrial and commercial households and their employees and freelancers shall be implemented with reference to this standard.

4. What can I get by paying five insurances and one gold?

(1) endowment insurance

Individuals and companies pay 8% and 20% of the average monthly salary of the previous year respectively, and they must pay 15 years after retirement to receive a monthly pension.

Work and insurance in the domicile, receive a pension in the domicile; If the workplace is not where the household registration is located, and the pension insurance has been paid for more than 0/0 years, the pension will be received at the workplace; Those who have worked in many places and accumulated less than 10 years will return to their domicile to receive a pension.

The amount of pension after retirement is related to four factors:

1, the average wage of employees in the province;

2. The average monthly salary of individual work over the years;

3. Term of payment;

4. Personal account balance at retirement.

(2) Medical insurance

The starting point of outpatient insurance is 1.800 yuan, and the annual expenses below 1.800 yuan will not be reimbursed, and those exceeding 1.800 yuan can be reimbursed. Different levels of hospitals have different reimbursement rates, 90% in community hospitals and 70% in other hospitals.

The starting point for reimbursement of hospitalization expenses is 1.300 yuan, and the part with annual expenses exceeding 1.300 yuan can only be reimbursed if the hospitalization amount reaches 650 yuan each time. According to the amount and the hospital, the reimbursement ratio is different, ranging from 85% to 97%.

Only paying medical insurance can reimburse up to 6,543,800 yuan, and if paying 3 yuan's critical illness insurance, it can reimburse up to 300,000 yuan.

Men who have paid for 25 years and women who have paid for 20 years can continue to enjoy medical reimbursement after retirement.

(3) Unemployment insurance

Taking the employee's monthly salary 10000 yuan as an example, the unemployment insurance premium to be paid each month is:

Individual: 10000 times 0.2%=20 yuan.

Company: 10000 times 1%= 100 yuan.

Total contribution: 20 (individual)+100 (company) = 120 yuan.

1, receiving conditions: 1. paid unemployment insurance 1 year; Second, it is not my intention to interrupt employment, that is to say, only when the company dismisses you, your resignation does not count; The third is to provide all kinds of proof materials to the street office where the household registration is located for unemployment registration.

2. Collection time:

(1) If the accumulated payment time is over one year but less than two years, it is 3 months;

(2) 6 months if the accumulated payment time is over two years but less than three years;

(3) 9 months if the cumulative payment time is over three years but less than four years;

(4) 12 months if the cumulative payment time is over four years but less than five years;

(5) 15 months if the cumulative payment time is over five years but less than seven years;

(6) 16 months if the accumulated payment time is over seven years.

In the future, the collection period will increase by 1 month for each additional year of accumulated payment time, and the longest period will not exceed 24 months.

3. Amount received: The amount of unemployment benefits varies from place to place, taking Beijing as an example:

(1) If the accumulated payment time is over 1 less than 5 years, the monthly payment standard is 10 12 yuan;

(2) If the accumulated payment time is less than 10 year, the monthly payment standard is 1039 yuan;

(3) The accumulated payment time is over 10 but less than 15, and the monthly payment standard is 1066 yuan;

(4) If the accumulated payment time is over 15 but less than 20 years, the monthly payment standard is 1093 yuan;

(5) The monthly payment standard for accumulated payment time of more than 20 years is 1 12 1 yuan.

(4) Industrial injury insurance

Industrial injury insurance is only paid by the company, and the payment ratio is 0.5%. It refers to a social insurance system in which workers or their survivors suffer from accidental injuries or occupational diseases at work, or under specified special circumstances, resulting in temporary or permanent incapacity to work and death, and the state and society provide material assistance.

The following are some detailed rules of 20 15 industrial injury insurance regulations:

1. Pay a one-time disability allowance from the industrial injury insurance fund according to the disability level. The standard is: 24 months' salary for first-class disability, 22 months' salary for second-class disability, 20 months' salary for third-class disability and 0/8 months' salary for fourth-class disability;

2. Pay the disability allowance monthly from the industrial injury insurance fund. The standard is: 90% of my salary for first-degree disability, 85% for second-degree disability, 80% for third-degree disability and 75% for fourth-degree disability. If the actual amount of disability allowance is lower than the local minimum wage standard, the industrial injury insurance fund will make up the difference;

3, inductrial injury worker reached retirement age and retirement formalities, stop disability allowance, enjoy the basic old-age insurance benefits. If the basic old-age insurance benefits are lower than the disability allowance, the industrial injury insurance fund will make up the difference.

(5) Maternity insurance

Individuals do not have to pay maternity insurance, and the company pays 0.8%. Both men and women need to pay maternity insurance, and they can enjoy maternity benefits by paying 1 year, but the benefits enjoyed by male and female employees are different.

Female employees:

1. Maternity leave: the State Council's "Special Provisions on Labor Protection for Female Employees" stipulates: "Female employees enjoy 98 days of maternity leave, including 15 days before delivery; Maternity leave should be increased for dystocia 15 days; In the case of multiple births, the maternity leave can be increased by 1 5 days for each additional birth1baby. " At present, the new family planning regulations promulgated in many places stipulate that women should be given different days of extended maternity leave.

2. Maternity allowance: During maternity leave, the enterprise will continue to pay wages to female employees, the standard being the higher between the personal salary and the average salary of the enterprise in the previous year. If the average monthly salary of all employees in the company was 8,000 yuan last year, your salary was 1 1,000 yuan, calculated according to 1 1,000 yuan; If your average monthly salary last year was 8,000 yuan, and all employees in the company were 1000 yuan, it's still 10000 yuan. Maternity allowance is not taxed.

3. Maternity medical expenses: it means that the examination expenses, delivery expenses, operation expenses, hospitalization expenses and medicine expenses of female employees are paid by the maternity insurance fund, but there is usually an upper limit. For example, Beijing is 1400 yuan, and you have to bear the excess.

Male employees:

Enjoy 10 days of paternity leave and allowance.

To sum up, regarding the proportion of Shanghai paying five insurances and one gold, it should be noted that maternity insurance and industrial injury insurance are paid in full by the unit, and individuals do not have to bear it. The other three types of insurance and housing provident fund require the unit to pay a part, and the individual to pay a part. The payment ratio of each type is different.