Zhenjiang monthly five insurance premiums pay how much

Pension insurance: unit, individual 8%. Medical insurance: unit 9%, individual. 2, 5%. Unemployment insurance: unit 2%, individual 1%. Maternity insurance: unit, individual does not contribute. Workers' compensation insurance: unit, 1%, 1, 8% (according to the unit's business scope to determine, individuals do not contribute. So, Zhenjiang five insurance a gold payment ratio is what kind of it? The first thing you need to do is to get your hands on some of the most popular products and services in the world. Below, I will bring you the relevant legal knowledge of the introduction.

A, Zhenjiang five insurance a gold payment ratio

1, according to the provisions of the employee's current year social insurance contribution base according to its last social security year the actual total wage to determine, however, the minimum shall not be lower than the minimum contribution base (the city is currently 1794 yuan / month), the maximum shall not be higher than the maximum contribution base (the city is currently 10,126 yuan / month). 10,126 yuan / month).

2, at present, the city's urban enterprises of the social insurance contribution ratio: pension insurance: unit, individual 8%; medical insurance: unit 9%, individual unemployment insurance: unit 2%, individual 1%; maternity insurance: unit, individual does not contribute; industrial accident insurance: unit, 1%, according to the unit's scope of business to determine), individual does not contribute.

3, the collection of housing fund is not within the scope of management of the municipal social services department, the specific circumstances, you can contact the municipal housing fund management center

Looking for a job, in addition to asking for wages, generally have to ask how to pay the five insurance and one gold. The reason is that you can't live without it. However, there are some secrets that you don't know about the five insurance policies. For example, if you pay more for pension insurance, you don't get more; medical insurance doesn't cover all diseases.

Two, five insurance a gold paid what use

1, Zhenjiang City, pension insurance: after retirement, your consumption level may have to fall sharply

At present, China's pension insurance system, to the "basic pension insurance for urban workers" as the core. That is, working people are deducted a sum of money from their salaries every month, and when they reach the legal retirement age (60 years old for men and 50 years old for women), they can receive a pension from the social security system.

Suppose you graduated from university at the age of 22 and worked in Beijing, which has the highest "China Pension Development Index", with an average monthly income of 8,000 RMB (the average monthly salary in Beijing was 4,672 RMB in 2011), and your unit contributes 8,000 RMB to the salary base. According to the fixed growth rate of 5%, your monthly salary will be 10,000 RMB when you retire (age 60). According to the current standard, you will receive a pension of 8,624 yuan after retirement. This is equivalent to only 18% of the pre-retirement salary, and lower than the national average basic consumer spending.

2, Zhenjiang City, medical insurance: not all the disease can get insurance

plastic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, the above medical expenses, medical insurance is not care.

In addition, if the unfortunate traffic accidents, or injured by thugs, these are not covered by health insurance, only in the case of the public security organs to prove that they really can not find the victim of the case, can be temporarily written off by the medical insurance.

There are also many restrictions on the use of health insurance in other places. In the domestic non-residential place of sudden illness, the need for emergency rescue can be hospitalized, but must be within three working days, the date of hospitalization, hospital name and other information reported to the participating medical insurance agencies for the record, the condition is stabilized after the need to continue treatment, should be transferred to the designated medical institutions in a timely manner.

3, Zhenjiang City to receive unemployment benefits, must first meet the following two conditions:

1) the unit and I have been in accordance with the provisions of the obligation to fulfill the unemployment insurance contributions for 1 year

2) non-self-initiated resignation

Then there is a whole lot of formalities to be done: should be separated from the date of departure of 60 days with the vocational guidance and training card, household registration book, identity card, the termination of the labor (employment) contract or working relations. The first thing you need to do is to register for unemployment with the labor security department of the street or town where your household is located, and apply for unemployment insurance benefits.

Note that the location of the hukou, that is, if your hukou in Gansu, and people work in Shanghai, you have to go all the way back home to do. According to the current standard, most cities in a month of unemployment insurance benefits more than a few hundred yuan, basic not more than 1,000 yuan, the more economically backward areas, the less you can receive. Money is not much, can not be collected for a long time: unemployment before the cumulative contributions of 1 year to 5 years, up to 12 months; 5 years to 10 years, up to 18 months; cumulative contribution time of more than 10 years, up to 24 months.

4, Zhenjiang City, workers' compensation insurance: 48 hours of life and death line

June 19, the network appeared on an article entitled "minor civilian workers die 1 hour late is not considered to be a workplace fatality forcing people to die early? The net post. The post said, Hunan Loudi 17-year-old civilian workers Chen Guo, in Dongguan City, Shijie Town, working in severe heatstroke death. Because Chen Guo died in the 49th hour after the onset of the disease, his family has not been able to get compensation after 20 days.

They were told, China's "Work Injury Insurance Regulations," Article 15 provides that, in the working hours and workplace, sudden death of disease or within 48 hours of the death of the failure to rescue, regarded as work-related injuries. Chen Guo is the 49th hour after the onset of death, is not considered a work injury.

In fact, the disputes and lawsuits about the recognition of work-related injuries have been continuous. Not only 48 hours of life and death line, to recognize the work injury, not so easy.

5, Zhenjiang Municipal Maternity Insurance: there must be a unit

Maternity is a very private thing, but if there is no work unit, it is difficult to enjoy the maternity insurance. The reason is that maternity insurance must be paid for by the unit. In other words, a full-time wife can't have maternity insurance.

Maternity insurance is only available if you have paid contributions for at least one year. After the birth of a child, you have to continue to pay, if you do not pay, you will not be able to enjoy the benefits of family planning.

6, Zhenjiang City, housing fund: long-term not cost-effective

Many people know that every month the unit to pay the housing fund the more the better, the future to buy a house, renovation can be used. But for those who don't buy a house, or are not prepared to buy a house in the short term, it is not cost-effective to have a provident fund in your account.

The reason is that the portion of the provident fund that is paid in the current year can only earn a demand deposit interest rate, while the funds paid in previous years can only earn a three-month fixed deposit interest rate. In the case of increased inflation, it is obviously not as good as investing in your own money, or even a one-year fixed deposit in a bank.

About Zhenjiang five insurance a gold payment ratio, we should note that the amount of employees five insurance a gold payment is and social security year the actual total wages have a little relationship, housing fund collection is managed by the department of housing fund. In addition, to receive unemployment benefits, it is necessary to meet the unit and I have been in accordance with the provisions of the obligation to fulfill the unemployment insurance contributions for one year and is not my own initiative to quit the unemployment caused by these two conditions.