Social security deduction of more than 300 a month is the first class

Social security monthly deduction of 300 belongs to the lowest grade.

Enrolled in the company, participating in the employee pension insurance, the individual contribution ratio of the employee pension insurance is 8%, your monthly pension insurance contribution of 300 yuan, so you can deduce that the contribution base of your pension insurance is 300 ÷ 8% = 3,750 yuan. Data from the National Bureau of Statistics shows that the annual average wage of urban non-private sector employees nationwide in 2018 was 82,461 yuan, which translates to a monthly average wage of 6,872 yuan. So your current contribution base is not up to the national per capita level, and you are a low-income earner. As the pension is more contributions, the monthly contribution of 300 yuan, is a low level, so in the case of 15 years of contributions, the future level of pension will not be very high.

I. Social security is divided into four grades.

Participants in the social insurance monthly contribution standard is divided into the lowest grade (40%), first grade (60%), second grade (80%), third grade (100%) four grades.

Social insurance refers to the non-profit social security system with the function of income redistribution that the state compels most members of the society to participate in order to prevent and share the social risks of old age, unemployment, illness and death, and to realize social security, and it is a kind of social and economic system that provides income or compensation for the population that is incapable of working, temporarily loses the working position, or suffers loss due to health reasons. system.

2. The characteristics of social insurance are as follows:

1. The objective basis of social insurance is the risk that exists in the field of labor, and the subject of insurance is the person of the worker;

2. The subject of social insurance is specific, including the worker (including his/her relatives) and the employing organization;

3. Social insurance is compulsory;

4. p>4, the purpose of social insurance is to maintain the reproduction of labor;

5, the insurance fund comes from the contributions of employers and workers and financial support, the scope of insurance is limited to employees, excluding other members of society, the scope of insurance is limited to various risks in the labor risk, excluding other property, economic and other risks.

Three, social security for the following two ways:

1, personal name to pay the need to go to the social security bureau where the account, the procedures include: my ID card, recent crownless one-inch photo preparation two, premiums, applications, etc. can be, and can only apply for the old age pension, medical insurance, two;

2, the unit way to pay the identity of the identity of social security purchases, is a foreign account, can only be purchased through the unit. The only way to buy social security is to buy it through the unit.

Legal basis

The People's Republic of China Social Insurance Law

Article 2 The state establishes a social insurance system of basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., and guarantees the right of citizens to obtain material assistance from the state and society according to the law in the case of old age, illness, industrial injury, unemployment and maternity, etc.

The State has also established a social insurance system to protect the rights of citizens to obtain material assistance from the state and society according to the law.

Article 3 The social insurance system adheres to the policy of broad coverage, basic protection, multi-level and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.

Article 4 Employers and individuals within the territory of the People's Republic of China*** and the State pay social insurance premiums in accordance with the law, and have the right to inquire about the records of contributions and individual rights and interests, and to request social insurance agencies to provide social insurance counseling and other related services. Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise the payment of contributions for them by their own units.

Article 5: The people's governments at or above the county level shall incorporate the cause of social insurance into their national economic and social development plans. The State raises funds for social insurance through multiple channels. The people's governments at or above the county level give necessary financial support to the social insurance cause. The State supports the social insurance cause through preferential tax policies.

Article 58 An employer shall, within thirty days from the date of employment, apply to a social insurance agency for social insurance registration for its employees. If the employer fails to register for social insurance, the social insurance agency shall approve the social insurance premiums to be paid by the employer.

Individual industrial and commercial households without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance with their employers, and other flexibly employed persons shall apply to the social insurance administrative organization for social insurance registration.

The State establishes a nationally unified individual social security number. Individual social security numbers are citizens' identity numbers.

Article 59: The people's governments at or above the county level shall strengthen the collection of social insurance premiums.

Social insurance premiums shall be collected in a uniform manner, and the steps and specific measures for implementation shall be prescribed by the State Council.

Notice of the General Office of the State Council on the Issuance of a Comprehensive Plan for Reducing the Rate of Social Insurance Premiums

Third, Adjustment of the Policy on the Base for Social Security Contributions

Adjustment of the Caliber for Calculating the Average Salary of Employed Persons. Each province shall approve the upper and lower limits of the social security individual contribution base with the full caliber of the average wage of the employed persons in urban units weighted by the average wage of the employed persons in urban non-private units and the average wage of the employed persons in urban private units in the province, and reasonably reduce the social security contribution base of some insured persons and enterprises. After adjusting the calculation caliber of the average salary of employed persons, each province should formulate transitional measures for the basic pension calculation method to ensure the smooth convergence of the treatment level of retirees.

Improve the contribution base policy for individual business households and flexibly employed persons. Individual business households and flexibly employed persons to participate in the basic pension insurance for enterprise employees, can choose the appropriate contribution base between 60% and 300% of the average salary of the employed persons in urban units of the full caliber of the province.