What is the payment ratio of five insurances and one gold in Taiyuan?

1. What is the payment ratio of five insurances and one gold in Taiyuan? "Five insurances and one gold" include medical insurance, endowment insurance, maternity insurance, industrial injury insurance, unemployment insurance and housing accumulation fund. Next, let's look at it one by one. (1) Endowment insurance: At present, the contribution ratio of endowment insurance is 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account). (2) Medical insurance: medical insurance payment ratio: unit 7%, individual 2%+3 yuan (3 yuan is a critical illness insurance). (3) Unemployment insurance: Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual. (4) Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay any money yourself; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit, which is between 0.5% and 2%. (5) Maternity insurance: the unit pays 0.8% for you every month, and you don't have to pay any money yourself. (VI) Housing provident fund: the proportion of housing provident fund deposit: according to the actual situation of the enterprise, choose the proportion of housing provident fund deposit. But in principle, the maximum shall not exceed 10% of the average wage of employees. But in the actual operation process, there are the following situations (unit 12%, individual12%/10%; Unit 10%, individual 10%/8%/6%) 2. Problems needing attention in the payment of "five insurances and one gold" and policy trends (1) The amount of pension received after retirement is related to the average salary of the whole province, the average salary of individuals, the payment period and the balance of personal accounts at retirement. The more you give, the more you gain. Generally speaking, the pension has the function of "robbing the rich to help the poor", that is, employees whose wages are higher than the average wage in the province should be subsidized to employees whose wages are lower than the average wage in the province. In addition, after delaying retirement, employees will not start to receive pensions until they are 65 years old. If they die, they can only inherit the money in their personal accounts, and the part paid by the company will be turned over to the social security fund. The proportion of 8% paid by individuals in pension is not small in salary, which can be appropriately reduced for citizens. (2) The reimbursement rate of medical insurance coverage cannot be reduced. The starting point and proportion of reimbursement for outpatient medical treatment and hospitalization expenses are different. (3) Unemployment insurance is difficult to enjoy, but it cannot be less. According to the relevant provisions of the Regulations on Unemployment Insurance in Beijing, in order to receive unemployment insurance benefits, Beijing unemployment insurance participants must meet certain conditions, provide necessary information and go through the application procedures according to the prescribed procedures. These conditions and processes include: paying for one year, resigning involuntarily, going through the formalities at the place of residence and registering for unemployment within 60 days of resignation; And the standard of receiving unemployment benefits varies according to the payment period, with a maximum of 24 months. Unemployment insurance is a kind of protection for employees after unemployment, but this kind of protection condition is limited, and the premium can only support the lower standard of living cost. Today, a very small number of employees have been dismissed from their units, and they are not eligible for insurance from the source, so few people can really get unemployment insurance. It can be said that this insurance is not very suitable for most citizens, especially young people who work hard in different places. (D) There is little room for the decline of industrial injury insurance. The proportion of industrial injury insurance payment varies from 0.5% to 3% according to different industry categories. Industrial injury insurance is only paid by the company, and individuals do not have to pay it. The reporter further learned that the proportion of industrial injury insurance contributions of related enterprises has risen to 0.3%. Analysts believe that the reduction of the payment ratio of this type of insurance will reduce the burden on enterprises to a certain extent, but at present, the payment ratio of industrial injury insurance is around 0.5%, which is unlikely to continue to decline. (5) Maternity insurance benefits cannot be reduced. Maternity insurance is very necessary for female employees, because female employees can't work during childbirth, and the corresponding wages during this period will be paid by the cost of maternity insurance. Maternity insurance mainly includes maternity allowance and maternity medical care, which are not paid by individuals, and the company pays 0.8%. "According to the 13 th Five-Year Plan, maternity insurance will be merged with basic medical insurance, and China's social security system will also change from five insurances and one gold to four insurances and one gold." (VI) There is great pressure on the buyers to downgrade the provident fund. Provident fund is the highest proportion of five insurances and one gold, and the company will pay as much as the individual pays. At present, the contribution ratio of housing provident fund in Beijing is 12%, as high as 20% in Guangzhou and Shenzhen, and 5%- 12% in other regions. According to the latest regulations of the State Council, all housing provident fund deposits with a ratio higher than 12% will be regulated and adjusted. This means that after the policy adjustment, the real wages of citizens in areas with higher payment ratio will be improved to a certain extent. In addition to buying a house, the provident fund can also be withdrawn quarterly in the form of renting a house. I just introduced the payment ratio of five insurances and one gold in Taiyuan, and I believe everyone has already understood it clearly. The new payment policy of "five insurances and one gold" in Taiyuan is more detailed than before, and the proportion of "five insurances and one gold" to be paid is also lower. Generally speaking, individuals need to pay less, the application for insurance is more convenient than before, and social insurance is gradually developing in the direction of provinces.