What does the payment base mean?

Question 1: What does the social insurance payment base mean? The social security payment base is that you pay according to this base standard. (It is equivalent to the company taking this as your personal salary standard. As for whether your real salary is this, only you know. )

Social security is the abbreviation of social insurance. It is a basic social security system established by the state through legislation. The purpose is to enable workers to temporarily or permanently lose their working ability and employment due to old age, illness, disability, unemployment, maternity and other reasons, and to obtain economic compensation and material help from the society (state) when they or their families lose their source of livelihood, so as to ensure their basic livelihood. Social insurance is basically a kind of national welfare.

Social security includes pension, medical care, work injury, unemployment and maternity. Another kind of provident fund is only available in some units.

Payment method of employee social security: (Work-related injury, unemployment and maternity insurance need not be paid by individuals, but are all paid by the unit).

There are two accounts in social security: 1 and social (national) overall account; 2. Personal account.

Unit payment standard:

1, 12% of personal salary (social security contribution base) goes into the pension pooling account (20% of state-owned enterprises).

2. 8% of personal salary (social security contribution base) goes into the medical pooling account (this ratio will change, and a small part of it used to go into the personal account, but now it seems to be gone).

Individual payment standard:

1, 8% of personal salary (social security contribution base) goes into personal pension account.

2. 2% of personal salary (social security contribution base) goes into medical personal account (this ratio will change).

Social security enjoys two necessary conditions:

1, the "cumulative" payment must be at least 15 years (you can pay more years or pay more). So don't worry about not having time to pay halfway.

2. Must reach retirement age: men are generally 60 years old and women are generally 55 years old; The retirement age of special jobs is different, but there are regulations.

Meet the above two conditions: you can enjoy retirement pension and retirement medical security when you retire.

Calculation method of receiving pension: both the overall account and the personal account are collected at the same time.

Monthly collection standard of the overall account: collect the average salary of the whole province in the previous year (which will change every year)+social security payment base (after the fixed number remains unchanged, divide it by 2 to take the average value and then multiply it by 15% (one year 1%, general year 15%, 20 years).

Personal account: when you retire at the age of 60, your personal account can only receive 139 months (how many months can you receive when you retire). In other words, dividing the money in personal account by 139 months is the money received every month.

Then the pension will receive money every month: the overall account+personal account is the pension (generally, the personal account can receive eleven years or two or more, and after receiving the personal account, it will be gone, and then the overall account will receive it until it dies of old age. )

Question 2: What does the payment base of endowment insurance mean? The payment base refers to the amount of insurance you pay. Generally, it is the average salary of employees in the previous year. For example, if your payment base is 3000, the pension insurance company pays 20% and the individual pays 8%, then the company will give you 3000*20%=600 every month, and you will pay 3000*8%=240, and the company will help you deduct it from your salary.

Question 3: What does the annual payment base mean? The social security payment base is 60%-300% of the average social wage. For example, the average social wage 1000 yuan, and the payment base can be 600 yuan-3,000 yuan.

Social security will verify the social security base at a fixed time every year (March or July, in different places) and release the latest minimum base and maximum base. Generally speaking, enterprises help employees pay the minimum social security. Of course, some companies will pay social security for their employees according to the average salary of the previous year.

You can check the latest social security base with the local social security bureau according to the latest release time. In addition, you can also query the national social security base through third-party software. Take Haoyibao as an example. Haoyibao's own social security calculator will update the latest social security base in real time.

Question 4: What does the monthly payment base of social insurance mean? Referred to as social insurance base, it refers to the social insurance payment base of employees in a social security year. It is determined according to the average monthly wage income of employees from June 1 day to February 1 day in the previous year.

The social insurance payment base is an important basis for calculating the social insurance premiums and social insurance benefits paid by employers and their employees. There are upper and lower limits, depending on the actual situation in each region.

Declaration of social insurance base:

From February to May every year, the insured unit shall report the social insurance payment base of the next settlement year to the municipal social insurance fee collection management center or the district social insurance agency (hereinafter referred to as the social insurance agency) that handles the insurance registration.

The payment base declared by the insured unit shall be signed or confirmed by the insured employee himself.

If the payer fails to declare according to the regulations, the social insurance agency may temporarily determine the monthly payment base at 1 10%.

The payment base is an important calculation basis for the insured to enjoy social insurance benefits. After workers participate in social insurance, social security agencies will establish personal accounts for basic old-age insurance and medical insurance for life.

The higher the base of employees' contributions, the more personal accounts, the more disposable medical expenses and the higher the pension they receive when they retire. However, the concealed, omitted and underreported payment base of insured units and insured personnel will directly reduce the level of social insurance benefits enjoyed by insured personnel.

The monthly payment base of social insurance is generally determined according to the average monthly salary of employees in the previous year, which is determined once a year. Once determined, it may not be changed within one year.

Question 5: What does the payment base of social security mean? The payment base is the basis for the insured to pay in proportion.

For the company, the payment base is the total salary of all employees in the company; For an individual, the payment base is the monthly salary of the individual. Social security agencies in the verification of the insured units (people) payment base, unified provisions of the payment base for the local annual social average wage between 60% and 300%, that is, the monthly salary of individuals is lower than the local social average level of 60%, the minimum payment base must reach 60% of the social average level; If an individual's monthly salary exceeds 300% of the local social average, the maximum payment base shall not exceed 300% of the social average.

If the monthly salary of everyone in the company is 600 yuan, and if this salary standard has reached 60% of the local social average, then 600 yuan is the payment base; If it is lower than 60% of the local wage level, it will be raised to 60% of the social level.

Pension, medical care and unemployment in social security are based on this payment base and paid in accordance with the prescribed proportion:

Pension-the unit pays 20% and the individual pays 8%; (Base 600: unit 180, individual 48)

Medical care-the unit pays 6% and the individual pays 2%; (Unit 36, Individual 12)

Unemployment-the unit pays 2%, and the individual pays1%; (cell 12, touch 6)

All work-related injuries and maternity are borne by the unit, and individuals do not have to pay fees.

Question 6: What does the social security payment base mean? The social security payment base generally refers to the salary of the current month. The social security payment base is 60%-300% of the average social wage. For example, the average social wage 1000 yuan, and the payment base can be 600 yuan-3,000 yuan.

Generally, my salary income in the previous year is the base of payment.

(1) If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year will be used as the payment base; (two) the wage income of employees is lower than 60% of the local average wage of employees in the previous year, with 60% of the local average wage of employees in the previous year as the payment base;

(3) If the employee's salary is between 300% and 60%, it shall be declared according to the facts. When it is impossible to determine the wage income of employees, the payment base shall be determined according to the local average wage of employees in the previous year published by the local labor administrative department.

Social security will regularly check the base every year (March or July, in different places), and declare a new base according to the average monthly salary of employees in the previous year. It is necessary to prepare proof of these payroll.

Question 7: What do you mean by the payment base in endowment insurance? The payment base is the basic number of paying endowment insurance. According to the regulations, the payment base of employee pension insurance is the average monthly salary of the employee. For example, the employee's salary is 3,000 yuan, and the unit bears 20%. Payment is made in 600 yuan, 8% for individuals and in 240 yuan. This 3000 yuan is the base of payment. The payment base of flexible employees is the average social wage. Local social insurance institutions divide the average social wage into different grades, which are chosen by the insured. For example, the average social wage is 4,000 yuan, which is 4,000 yuan based on 100%, and the contribution ratio is 20%. 800 yuan is paid, with a base of 3,200 yuan calculated at 80% and 640 yuan calculated at 60%. It also stipulates that the maximum payment base shall not exceed 300% of the average social wage and the minimum shall not be lower than 60% of the average social wage. If the average social wage is 4,000 yuan, 300% of the highest social wage should be12,000 yuan, and the payment is 2,400 yuan. The minimum payment base is not less than 60% of the average social wage of 4,000 yuan, and the payment is in 480 yuan. The highest is 12000 yuan, and the lowest is 2400 yuan.

Question 8: What do you mean by the payment salary and the payment base in the five insurances and one gold respectively? When we say payment wages, we mean wage income that can be included in the scope of paying social insurance premiums. According to the current policy, payment wages are wages included in the statistics of total wages in accordance with the provisions of the national statistical department. Its characteristic is that it depends on the actual situation of wage income, and there is no upper or lower limit. The payment base, also known as the social insurance premium base, is the basic data used to verify the actual payment of social insurance premiums by units or individuals on the basis of paying wages. Its characteristic is that there are upper and lower limits on the amount, and the setting of the upper and lower limits of the payment base changes with the policy adjustment.

The determination of payment wages is actually the confirmation of the total wages of employees. Total wages refer to the total amount of labor remuneration paid directly by each unit to all employees of the unit within a certain period of time. What income employees earn into the total wages and what income they don't earn into the total wages are clearly defined in the regulations of the National Bureau of Statistics on the composition of the total wages. When the social security agency approves the annual payment base, it requires the employer to report the approved wages according to the provisions of the total wages, not the payment base. This paid salary is approved and reported on the basis of the actual total salary of employees in the previous year. The reported data can be greater than the upper limit of payment or less than the lower limit of payment, as long as it is the actual number.

Take the endowment insurance as an example. 20 1 1, the upper limit of payment is 5667 yuan, which is 300% of the average monthly salary of employees in this city last year, and the lower limit of payment is 60% of the average monthly salary of employees in this city, which is 1 133 yuan. If an employee's average monthly salary of 20 1 1 is 6000 yuan, then his approved payment salary should be 6000 yuan, and the payment base automatically generated by the social insurance handling department through the payment system is 5667 yuan.

From this perspective, payment wages and payment base are not a concept. In fact, not only the essential meaning is different, but also the management departments are different. The verification and declaration of payment wages is the obligation of the employer, and the determination of payment base is the responsibility of the social insurance agency.

Question 9: What does the social insurance payment base mean? The social security payment base is that you pay according to this base standard. (It is equivalent to the company taking this as your personal salary standard. As for whether your real salary is this, only you know. )

Social security is the abbreviation of social insurance. It is a basic social security system established by the state through legislation. The purpose is to enable workers to temporarily or permanently lose their working ability and employment due to old age, illness, disability, unemployment, maternity and other reasons, and to obtain economic compensation and material help from the society (state) when they or their families lose their source of livelihood, so as to ensure their basic livelihood. Social insurance is basically a kind of national welfare.

Social security includes pension, medical care, work injury, unemployment and maternity. Another kind of provident fund is only available in some units.

Payment method of employee social security: (Work-related injury, unemployment and maternity insurance need not be paid by individuals, but are all paid by the unit).

There are two accounts in social security: 1 and social (national) overall account; 2. Personal account.

Unit payment standard:

1, 12% of personal salary (social security contribution base) goes into the pension pooling account (20% of state-owned enterprises).

2. 8% of personal salary (social security contribution base) goes into the medical pooling account (this ratio will change, and a small part of it used to go into the personal account, but now it seems to be gone).

Individual payment standard:

1, 8% of personal salary (social security contribution base) goes into personal pension account.

2. 2% of personal salary (social security contribution base) goes into medical personal account (this ratio will change).

Social security enjoys two necessary conditions:

1, the "cumulative" payment must be at least 15 years (you can pay more years or pay more). So don't worry about not having time to pay halfway.

2. Must reach retirement age: men are generally 60 years old and women are generally 55 years old; The retirement age of special jobs is different, but there are regulations.

Meet the above two conditions: you can enjoy retirement pension and retirement medical security when you retire.

Calculation method of receiving pension: both the overall account and the personal account are collected at the same time.

Monthly collection standard of the overall account: collect the average salary of the whole province in the previous year (which will change every year)+social security payment base (after the fixed number remains unchanged, divide it by 2 to take the average value and then multiply it by 15% (one year 1%, general year 15%, 20 years).

Personal account: when you retire at the age of 60, your personal account can only receive 139 months (how many months can you receive when you retire). In other words, dividing the money in personal account by 139 months is the money received every month.

Then the pension will receive money every month: the overall account+personal account is the pension (generally, the personal account can receive eleven years or two or more, and after receiving the personal account, it will be gone, and then the overall account will receive it until it dies of old age. )

Question 10: What do the social security payment base and payment index mean? The payment base refers to the standard for the payer to pay the old-age insurance premium. The payment base is generally based on the total wages of employees and units.

The average monthly salary of employees above the individual contribution salary is the base. The average monthly salary is calculated according to the items listed in the total wages statistics stipulated by the National Bureau of Statistics, including wages, bonuses, allowances, subsidies and other income. If the average monthly salary of employees is lower than 60% of the average monthly salary of local employees, it shall be paid according to 60% of the average monthly salary of local employees; More than 300% of the average monthly salary of local employees, not included in the base of payment wages, not included in the base of pension. However, at present, some places, especially those where computers are widely used and advanced, have tried to use last month's salary as the payment base, and many cities have already realized the above salary as the payment base. The provisions on the upper and lower limits of the payment base mainly consider that after employees retire, the gap between their basic pensions will not be further widened because of the excessive wage income gap at work.

Payment index refers to the proportion of payment wages to the average social wage of the year. The contribution index can determine the level of transitional pension under the same payment period.