20 19 Jinhua five insurance and one gold payment base ratio, five insurance and one gold minimum standard.

Revealing Jinhua's five insurances and one gold: it is not cost-effective to use the housing provident fund for a long time.

Recently, a netizen in Shenzhen posted that he started working at the age of 25, and instead of paying social security every month, he saved a fixed amount of money. After 30 years, they can support themselves when they retire, which is more reliable than paying social security. It attracted many netizens to watch, and many people were impressed and wanted to follow suit.

Is it really reliable not to pay social security?

The netizen named "Wang Bufuzhao" calculated an account for the netizen and deposited it in 500 yuan every month. After 30 years, that is, when he is 55 years old, he can save 38 1, 203.44 yuan, and the five-year fixed interest is 90,535.82 yuan, with an average monthly interest of 1, 508.93 yuan. After waiting for five years, I can get 3,376.23 yuan every month, but the principal is still 380,000 yuan.

But is this really reliable? The reporter conducted a multi-party verification.

"This calculation result of netizens is calculated according to the existing interest rate, which can be said to be the most ideal calculation result, but the reality is much more complicated. For example, the deposit interest rate is unstable. " Ms Geng, a staff member of Yongkang Rural Cooperative Bank, said that on June 8, 2002, the benchmark interest rate for one-year deposits and loans of financial institutions was lowered by 0.25 percentage points.

"In the course of these 30 years, the risk is very high, and inflation is likely to occur, which will lead to a sharp depreciation of the currency, and its ability to guarantee the future will inevitably be greatly reduced. Therefore, this netizen's approach is unreasonable. Social security will adjust according to the price level and continuously improve the supporting capacity of endowment insurance. " Li, director of Yongkang Social Insurance Management Office, said.

What exactly is social insurance?

Social insurance can be abbreviated as "five insurances and one fund": endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

Social insurance is mainly borne by employers and employees, that is, units and individuals share the insurance costs. The reporter learned from the Yongkang Social Insurance Management Office that the current social security payment standard of Yongkang enterprises is 14% of the endowment insurance payment base, with units paying and individuals paying 8%. 6% of the medical insurance payment base is paid by the unit, 0.8% of the maternity insurance payment base is paid by the unit, and 2% of the unemployment insurance payment base is paid by the unit. If an individual is registered in a town or needs to pay 1%, industrial injury insurance needs to be divided into industries.

When we are looking for a job, in addition to asking about salary, we usually ask how to pay for "five insurances and one gold". Because we cannot live without it. But "five insurances and one gold" actually has some secrets that you don't know. Those who receive unemployment benefits must take the initiative to resign; Medical insurance not all diseases can be insured.

The secret of social insurance

Endowment insurance: The more you pay, the more you benefit.

At present, China's old-age insurance system takes "basic old-age insurance for employees" as the core. That is, people who work deduct a sum of money from their wages every month, and when they reach the legal retirement age (60 men and 50 women), they can receive pensions from the social security system.

Pension is a basic pension paid on a monthly basis and paid to death according to regulations. "The state will adjust pensions through prices and the overall level of pensions. The more you pay, the longer you pay, and the more pensions you get. " Li said that Yongkang will also make normal adjustments to the basic pension for retirees in accordance with the unified national regulations.

At present, the calculation formula of basic pension is: basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement ×20% (15 if the payment period is less than 15)+ personal account principal and interest and indexed monthly average payment salary × 120.

Medical insurance: the principle of paying first and enjoying later.

Plastic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, these medical expenses are not covered by medical insurance.

There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.

At the same time, Yongkang Medical Insurance also clearly stipulates that the basic medical insurance shall be based on the principle of paying first and then enjoying. If the insured person pays for the first time at least 35 years old, he can enjoy the corresponding medical treatment after 6 months of payment, and if he is under 35 years old, he can enjoy the medical treatment from the month of payment. The basic medical insurance premium must be paid monthly, on time and in full.

If it is overdue for more than 3 months, the basic medical insurance relationship will be suspended. If the insured person re-enters the insurance after a break, he shall pay the basic medical insurance premium owed during the break in one lump sum, and the payment base of the basic medical insurance premium shall be 1 10% of the payment base at the time of payment.

Receive unemployment benefits: You can't receive unemployment benefits if you resign voluntarily.

Want to receive unemployment benefits, is a troublesome thing, first of all, you must meet the following two conditions:

1. The employer and I have fulfilled the obligation to pay unemployment insurance for one year according to the regulations. At present, the scope and objects of Yongkang's participation in unemployment insurance are defined as: all enterprises, institutions, social organizations, private non-enterprise units, urban individual industrial and commercial households with employees, employees who have formed labor relations with them, state organs and contract employees who have formed labor relations with them.

2. Do not resign voluntarily.

Only when the above two conditions are met can you go through all these procedures: you should go to the labor and social security department of the street or town where your household registration is located to register for unemployment and apply for unemployment insurance within 60 days from the date of resignation, with your vocational guidance and training card, household registration book, ID card, proof of dissolution of labor (employment) contract or working relationship and photos.

Work-related injury insurance: you need to report the case within 24 hours.

On June 19, an article entitled "Is the death of underage migrant workers late 1 hour not a work-related injury death? The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.

They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.

Regarding the 48-hour life-and-death line questioned online, Li said: "After an employer has a work-related injury, it must report it to the labor department within 24 hours. The unit shall, within 30 days from the date of accident injury or the date of diagnosis and identification as work-related injury or occupational disease, apply to the labor department for work-related injury identification. If the employer does not apply, the individual may apply within 1 year. "

Maternity insurance: there must be a unit.

Childbirth is a very private matter, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.

In Yongkang, if you want to have maternity insurance, you must meet the following two conditions: the employer and its employees have participated in maternity insurance and fulfilled their payment obligations for 12 months; Those who meet the legal conditions for giving birth or carrying out family planning contraception or recanalization surgery. At the same time, it should be noted that the time limit for reimbursement is within one year after delivery or surgery.

Looking for a job, in addition to asking about salary, you usually have to ask how to pay five insurances and one gold. Because you can't live without it. But five insurances and one gold actually have some secrets that you don't know. For example, pension insurance is overpaid; Medical insurance not all diseases can be insured.

The following are the secrets of "five insurances and one gold":

Shenma is five insurances and one gold: five insurances and one gold for social security, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

Revealing the five insurance and one gold scam: Did you pay your money for nothing?

Proportion of regular payment of five insurances and one gold

Next, let's read the secret of five insurances and one gold in detail.

1, Jinhua Pension Insurance: Your consumption level may drop significantly after retirement.

At present, the core of China's old-age insurance system is the basic old-age insurance for urban workers. That is, working people can deduct a sum of money from their wages every month, and they can receive pensions from the social security system when they reach the legal retirement age (60 men and 50 women).

If you graduate from university at the age of 22 and work in Beijing with the highest China Pension Development Index, the average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2065,438+065,438+0 was 4,672 yuan), and the salary base paid by the company is 8,000 yuan. According to the fixed growth rate of 5%, when you retire (60 years old), your monthly salary is 48,600 yuan. According to current standards, the pension you receive after retirement is 8624 yuan. This is only equivalent to 18% of the salary before retirement, and is lower than the national average basic consumption expenditure.

2. Jinhua Medical Insurance: Not all diseases can be insured.

Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction and mental illness are not covered by medical insurance.

In addition, if there are unfortunate traffic accidents or injuries by gangsters, these are not covered by medical insurance. Only when the public security organ proves that the injurer cannot be found can it be temporarily written off by medical insurance.

There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.

3, Jinhua city to receive unemployment benefits, must first meet the following two conditions:

1) The employer and I have fulfilled the obligation to pay unemployment insurance for 1 year according to the regulations.

2) Resign voluntarily

Then there are a lot of formalities to be done: within 60 days from the date of leaving your job, you should register unemployment with the labor security department of the street or town where your household registration is located and apply for unemployment insurance money with your vocational guidance and training card, household registration book, ID card, proof of labor (employment) termination contract or work relationship, and photos.

Pay attention to the location of your hukou, that is, if your hukou is in Gansu and people work in Shanghai, you have to go back to your hometown all the way. According to current standards, the unemployment insurance premium in most cities ranges from several hundred yuan a month, and basically does not exceed 1 10,000 yuan. The more backward the economy is, the less you can get. There is not much money, and the time to get it is not long: before unemployment, pay 1 to five years, and get 12 months at most; 5 years to 10 years, at most 18 months; If the accumulated payment time exceeds 10 year, the longest payment period is 24 months.

4. Jinhua industrial injury insurance: 48-hour life and death line.

On June 19, an article entitled "Is the death of underage migrant workers late 1 hour not a work-related injury death? The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.

They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.

In fact, disputes and lawsuits about work-related injuries have been going on. It's not just a 48-hour line. It's not that easy to identify work-related injuries.

5. Jinhua maternity insurance: there must be a unit.

Childbirth is a very private matter, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.

Maternity insurance must be paid for at least one year to enjoy it. After giving birth, we will continue to pay the fees. If you don't pay, you won't enjoy the benefits of family planning later.

6. Jinhua Housing Provident Fund: It is not cost-effective not to use it for a long time.

As many people know, the more housing provident fund units pay each month, the better, which can be used to buy houses and decorate in the future. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account.

Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In the case of increasing inflation, it is obviously not as good as self-investment, or even as good as one-year time deposit in banks.

Now, have you understood all these little secrets about five insurances and one gold?

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