Social security ratio of unit and individual 202 1

202 1 Social security includes endowment insurance, medical insurance, work injury insurance, maternity insurance and unemployment insurance. Among them, the contribution ratio of endowment insurance is: unit 19%, individual 8%, medical insurance unit 6% and individual 2%. Work injury and maternity insurance are paid by the unit, and individuals do not need to pay.

First, the proportion of social security units and individuals to pay 202 1

202 1 social security includes five types of insurance, of which the proportion of endowment insurance is 19% and 8% respectively, and the proportion of unit contribution is 19%, so the proportion of individuals is 8%. According to relevant regulations, endowment insurance has a minimum payment period. Only when you reach the statutory retirement age and the pension insurance payment period reaches 15 years can you enjoy the pension insurance according to law. Medical insurance is 6% for the unit and 2% for the individual. According to the regulations, employees can only enjoy basic medical insurance benefits after 6 months from the date of enrollment. In addition, industrial injury insurance can only be paid by the employer, and the payment rate of industrial injury insurance is approved according to the characteristics of the industry, which is divided into 8 grades between 0.6% and 3.6%. Maternity insurance is also paid by the employer, and the proportion of maternity insurance payment is 0.3%. Male insured persons who participate in maternity insurance can enjoy maternity allowance even if their spouses are not insured. Last unemployment insurance, the unit paid 0.6% and the individual paid 0.4%.

Two, suggestions on the proportion of social security units and individuals.

For unemployment insurance and maternity insurance in social security, only employees who participate in social security can enjoy their benefits, because these two types of insurance only need to be paid by the unit. In my opinion, you can buy the most comprehensive insurance by participating in social security payment in the unit. In other words, you can get more comprehensive social security. On the whole, when the unit is insured, some units and individuals pay social security fees according to a certain proportion. To some extent, it can reduce the economic pressure of the insured. Personally, I think it is the wisest choice to take insurance in the company. Personally, it is recommended to keep a fixed work unit for a long time, which is conducive to ensuring old-age insurance and meeting the minimum payment period.

People's Republic of China (PRC) Social Insurance Law Article 6 The State exercises strict management over social insurance funds. The State Council and the people's governments of provinces, autonomous regions and municipalities directly under the Central Government shall establish and improve the supervision and management system of social insurance funds to ensure the safe and effective operation of social insurance funds. People's governments at or above the county level shall take measures to encourage and support all sectors of society to participate in the supervision of social insurance funds.