Why do you pay more insurance than the company? social security

The specific social security composition ratio is:

Endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major illness co-ordination mainly covers hospitalization);

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself;

Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself.

The in-depth analysis of "five insurances and one gold" must be seen by people who go to work.

I believe that my brothers and sisters who have already worked are very concerned about the social insurance they have paid ... Take a closer look, "patience" is absolutely useful.

First of all, we should realize that social insurance is a kind of insurance with better quality than commercial insurance ... The reasons are as follows:

(1) Social insurance is a national welfare security undertaking that is not for profit ... while commercial insurance is for profit ... Generally speaking, the proportion of commercial insurance expenses is

Social security of the same specification is much higher.

(2) Social insurance covers more aspects than general commercial insurance ... Commercial insurance generally only covers medical care or pension ... Social insurance can generally cover five items at the same time.

Insurance .. In the medical field .. the advantages of social insurance are very prominent.

(3) The standard of social insurance is constantly improving every year ... The country will adjust the social security base according to the basic salary of employees at the beginning of July every year ... and the adjustment ratio is still very high ... Generally speaking.

The annual increase exceeds 10% ... that is to say, the more money you get in the future ... the biggest advantage of this is that you can eliminate the impact of inflation in a relatively small range ... and even commercial insurance will do.

Adjust and return .. but overall, it will not rise faster than social insurance.

In a word, the on-the-job students who have not participated in social insurance should do so as soon as possible, as well as the on-the-job students who have participated in commercial insurance but have not participated in social insurance.

Please join social insurance immediately. .....

-Here we go.

So, how is social insurance constituted ...?

Social insurance = endowment insurance+medical insurance+unemployment insurance+industrial injury insurance+maternity insurance+housing accumulation fund.

(Note: The practices of the above five insurances and one gold may be different in different regions. Your company may not pay all the five insurances and one gold for you. For example, some units in Nanjing do not pay their employees.

Medical insurance only pays the remaining four insurances and one gold, and some units only pay five insurances and do not pay the provident fund, so you must find out what insurance your unit has paid you.

And do you want to pay the provident fund! )

The specific social security composition ratio is:

Endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major illness co-ordination mainly covers hospitalization);

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself;

Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself.

In this way, the proportion that the company pays social security for you every month should be 21%+9%+2%+0.5%+0.8%+8% = 41.3%.

Your monthly social security payment should be 8%+2%+10+1%+8% =19%+10.

Leaving aside the 10 paid by Yuan You ... the ratio paid by the company and yours should be 4 13: 190 ... that is, if you work for your club every month,

Insurance payment 190 yuan .. Then the company will put 4 13 yuan into your social security account .. The money added to your social security account every month should be 4 13+ 190=603 yuan.

So when you can't see it, the company actually pays more than twice as much social security as you do, so don't feel bad when you pay social security every month ~ you have to know that the company pays more than you.

It's much more ... it's actually the unit that hurts ...!

Yay ~ Let's go back to three insurances and one gold and five insurances and one gold. Everyone here should have seen it. In fact, the three insurances and one gold mentioned in Jianghu are completely equal to five insurances and one gold. ..

It's just that three insurances and one gold are from your personal insurance (pension+medical care+unemployment+provident fund) ... Five insurances and one gold are from your company (pension+medical care+unemployment+work injury+maternity+provident fund).

Say ... to say that three insurances and one gold are five insurances and one gold is actually just a nice talk ~

In addition to the unit can pay social security for you, students who have no job but have income or students who have a unit but don't pay social security can also pay social security themselves, but individuals can only pay endowment insurance+medical insurance.

Work-related injuries, maternity, unemployment and provident fund cannot be paid by individuals. ...

-Half-time.

The composition and proportion of social security are introduced above. What is the base of social insurance payment?

Just now, the students already know that the monthly social security payment ratio of the company is almost 4 13: 190 ... so now there is another problem: each of them.

What is the relationship between the monthly social security fee and this ratio? How is the social security fee determined?

You may not have noticed that every province and city issues a "minimum payment base of social insurance" at the beginning of July every year, which is determined according to the average salary and welfare of employees in the previous year.

+Miscellaneous expenses such as various subsidies are determined after statistical calculation. The minimum base number announced by Nanjing in July this year is 1 189 yuan. What does this mean? It means that as long as Nanjing is in

Units that regularly pay social security for employees shall pay at least1189× 41.3% = 491yuan, and employees shall pay at least119% per month.

And the social security fee that the unit should pay every month will come out.

But now there are new problems ... The salaries of employees in Nanjing are very different ... Some people get 1000 a month ... Some people can get 10000 a month ... Is it called taking 1000 and?

Those who get 10000 pay the same social security fee?

Please note that this 1 189 is the lowest base ... There is a highest base above 1 189 ... The highest base in Nanjing this year seems to be more than 8,000 ... I also forgot the details ... Anyway, if your

The salary is below 1 189 yuan per month ... The company must also pay you 1 189 yuan, and you must pay at least189× 41.3% = 491yuan per month.

This is the significance of 1 189 as the minimum payment base of social security: even if you get 1000 or 800 a month, you have to pay the minimum amount of 1 189 every month!

But if your salary is higher than 1 189, for example, you take 3000 yuan a month as a company to go to the labor bureau to pay insurance for you (your company and the social security fees you pay are both

Was detained by the labor bureau. ) You should say to the Labor Bureau: "Yes, a comrade here earns 3,000 yuan a month, please deduct the social security fee according to the standard of 3,000 yuan" ... Then the Labor Bureau will do it.

3000 yuan is the payment base, after deducting your company and your money, it will be paid to your social security account. At this time, your company should pay you 3000×4 1.3% = 1.239 yuan every month, and you

Individuals should pay 3000× 19%+ 10=580 yuan every month.

That is to say, if your salary is below 1 189 yuan, then you should pay according to 1 189 every month; If your salary is above 1 189 yuan, you will be paid according to your actual salary every month, except

If your salary is higher than the maximum base, if you get 10000 a month and the maximum base is 8000, you and your company will pay 8000.

-Take a break.

Here, I want to expose the shameless practices of some companies ... these companies may give you thousands of wages every month ... but they will not go to the labor bureau to declare your base.

According to your actual salary .. For example, if you get 3000 yuan per month, they may say that you only get 1 189 yuan when you go to the labor bureau ... then the labor bureau will only deduct you1189×19%+10 = every month. ..

I'm afraid you're still very happy. Because you think the money deducted from you is less. How much money did you actually get?

No! If so, then your company is shameless! Because the company pays more than twice as much as you .. so the less you pay, the less they pay! If you follow your rules,

The actual salary is 3000 yuan .. They should pay you 3000×4 1.3% = 1.239 yuan for social security every month .. And according to 1 189, they only pay you1/kloc-every month. place

In fact, you suffered a big loss! Regular companies will only report to the labor bureau according to your actual salary and deduct money! Only those cheap companies, no matter how high your salary is, will follow the minimum wage.

Give you the standard! ! Don't think that the less you deduct from your social security fee every month, the better! ! Maybe you have been shamelessly bullied by the company and you have no idea! ! !

It's simple to determine the base number paid by the company for you: if 300 yuan social security is deducted every month, your base number is almost 300÷ 19%≈ 1578 yuan, you see.

See if your salary is this amount ... if your salary is obviously higher than 1578 ... for example, you actually earn 3000 or 4000 a month ... then you must be bullied by the company ... bullied.

In the future, you can go to the local labor inspection brigade to sue your unit ... Generally speaking, a complaint is accurate ... but it is best to find evidence (such as salary slips). ) sue again, otherwise,

I can't get along in the company after the prosecution.

Thirdly, the social security ratio varies from place to place ... If you are not in Nanjing, your contribution ratio is probably not 19% ... but it certainly won't be too bad. ..

For example, your cardinal number may be 20% or 22% ... but it will never be 30% or 40%! So although 19% is the proportion of Nanjing, students from other places can also use it to calculate their own base.

Ok, now you know how much social insurance premiums you should pay each month, but what are the specific conditions of these social insurance premiums and how to use them? Let's introduce it below.

As mentioned earlier, social insurance = endowment insurance+medical insurance+industrial injury insurance+maternity insurance+unemployment insurance+housing accumulation fund.

-Take a break.

(1) endowment insurance

This insurance is generally paid after 15 to enjoy the pension for life ... so students who want to get the pension must retire before 15.

I started to hand it in before .. It's almost the same outside Nanjing.

If you have paid the old-age insurance for less than 15 years at retirement age, the state will return all the 8% pension stored in your personal account to you when you retire. You will ask, and the unit will give it to you.

2 1% Where did you hand it in?

You can't expect the state to give you ... after you retire and take your personal money ... the state will transfer all the 2 1% money paid by the unit to the state pension.

In the overall fund, this money has nothing to do with you.

You might say: Holy shit! That's my money. Why not give it to me?

Because it is stipulated by the state, only the money deducted by the individual himself is refunded when the money is refunded, and the money paid by the unit for him has contributed to the country.

Let's take a look at how your pension is calculated when you retire.

The algorithm of pension is very complicated ... because the country changes the payment base once a year ... for example, if you are 30 years old now ... your current payment base.

This is 3000 yuan ... if the retirement age is 55 ... then you must pay the old-age insurance before 40, if you pay from 30 to 55 now.

It's been 25 years ... First of all, you can enjoy a pension ... Secondly, if the payment base of 3,000 Yuan You after 25 years becomes 6,000 yuan (I mean if) ... then you are 55 years old.

First of all, you can get a basic pension of 6000×20%= 1200 yuan every month ... This is given to you by the state, and the money in your personal account has been accumulated for 25 years.

If it is less, just average the payment base, (3000+6000)÷2=4500, so you should have 4500×8% (the endowment insurance you paid) in your personal account for these 25 years.

Personal proportion) ×25 years × 12 months = 108000 yuan ... Then you can get 108000+020 = 900 yuan every month in addition to the previous 1200 yuan, so

At the age of 55, you can get a pension of at least 1200+900=2 100 yuan per month ... Of course, the national base is still rising every year, so that you can get 900 yuan in addition to yourself every year. ...

After retirement, you will get more money than 1200 every month, so your pension will definitely increase.

Therefore, the more you pay for old-age insurance, the better ... The more you pay, the more you will enjoy after retirement ... And ... After the country adjusts the base every year, you will get more and more money. ..

It is possible to pay 1000 now and get 1500 ten years later.

This is the * * policy ... that is, no matter where you pay social security fees ... when you retire, you can only go back to your registered residence and enjoy local retirement benefits. ...

From this point of view, people who pay social security in places with high base but retire to places with low base to enjoy pensions will suffer great losses. Why do you say that?

Let me give you an example. If you worked in Nanjing when you were young, you paid social security for 20 years and then retired, but if your hukou is in Heilongjiang, you have to go back to Heilongjiang to enjoy the pension.

If you pay in Nanjing for 20 years, the average base is 3000 (I said if), and the base of Heilongjiang's payment when you retire is only 1000 (I said if), then when you retire,

Only enjoy 1000! This is a loss! In short, if you pay social security in a rich place and retire to a poor place to enjoy it, you will pay a lot but enjoy it for a lifetime.

Very few! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is no way. This is a national policy, so please ask all the current accounts to be in places with low base, such as the west.

Students who work in high-base places such as Beijing or Shanghai should pay attention to social security. You either pay social security in the west, or move your account to Beijing or Shanghai before you retire, otherwise.

Doing a huge loss in life.

Maybe you will say that if my hukou is in Nanjing, I will pay in Heilongjiang for 20 years, pay in a place with a low base, and retire to a place with a high base to enjoy high welfare.

No! Do you think Nanjing Labor Bureau lets you enjoy it like this? ! Generally speaking, Nanjing will find reasons to directly refuse your transfer! Then you will be smarter: in the black dragon

Jiang can't enjoy it, nor can Nanjing!

But some places have some loose regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay fees in Nanjing for five years.

Beijing has a high base, and then you are allowed to go back to Nanjing for retirement. This policy is estimated to vary from place to place. Students who plan to transfer in the future had better go to your local labor bureau to get this now.

Make it clear, lest you have an accident when you retire!

(2) Medical insurance

The policy of this insurance country is not bad, but the important thing is that there are many reimbursement for hospitalization.

As I said before, the monthly medical insurance paid by the company is 9%, and the monthly medical insurance paid by you is about 2% plus serious illness planning 10 yuan, regardless of this serious illness planning.

Although you are in the hospital, the country will transfer 2% of yourself to your medical insurance account every month in 1 1%. If you pay social security according to the minimum base of 1 189 yuan every month,

Then 1 189×2%=23.78 yuan is the money that the state calls you personally every month. You can accumulate this money and directly swipe your card to buy medicine or see a doctor. The remaining 9% countries will take it to see a doctor.

In the treatment pooling fund

According to Nanjing's regulations, if medical insurance is paid from June 5438+ 10, 2007, it can be paid from February 2007 to buy medicine or see a doctor, and from July 2007.

Hospitalization expenses can be reimbursed, and the report is quite complicated. For example, let's say:

If you were hospitalized in August 2007 1, you lived in the best tertiary hospital in Nanjing, and all the drugs used during hospitalization were within the scope of medical insurance, and the expenses for surgery and hospitalization were a * * *.

After paying 5000 yuan, the medical insurance center will deduct 1 000 yuan first, which is the starting price. The remaining 4000 yuan can be reimbursed by the medical insurance center according to 4000×86% = 3440 yuan, as long as you personally

Just pay 4000× 14%=560 yuan, plus the previous starting price of 1000 yuan, you only need to pay 5000 yuan 1560 yuan, and this 1560 yuan can also be paid from your medical insurance.

Carcassock (if you don't usually use that card), so hospitalization won't cost you much.

Medical insurance is much more important to us young people than old-age insurance. After all, seeing a doctor and being hospitalized is too fucking expensive, which is also the most important significance of participating in social insurance.

However, Nanjing stipulates that after retirement, you must pay 25 years of medical insurance to enjoy it for life, so if you retire at the age of 55, you must start paying medical insurance at the latest at the age of 30.

-Do eye exercises.

(3) Industrial injury insurance

This kind of insurance is rarely used in practice, and I don't have much contact with it. Need to be reminded that this insurance will be used if you have an accident at work or at work.

However, in practice, many people do not pay attention to the preservation of evidence, resulting in their inability to enjoy work-related injury insurance, which is a pity.

If you get hit by a car after work, you should call the police quickly, let the police take photos to collect evidence, and the police will identify the accident after handling it.

Things like books, you can take this to the unit to ask for a work-related injury report ... If something happens to you, let people run away, don't call witnesses, don't call the police or something, then without evidence,

It is generally not recognized as a work-related injury.

There is also a time limit for work-related injuries. If you have a work-related injury on July 1 2007, you must report it to the unit immediately, and put the evidence and accident appraisal issued by the police and your situation after the work-related injury.

Give the medical records of seeing a doctor or being hospitalized to the unit, and let the unit take these materials for work-related injury identification. Your company must send your valid materials to the industrial injury identification center before August 1 2007, such as

If it has been more than a month since your work injury, you may not be able to identify it. If your company doesn't give you an appraisal, you can take the materials to the appraisal center for appraisal.

Don't get well for more than a month, otherwise it will be very troublesome.

(4) Maternity insurance

Ah, take this as an example. If you are a girl with a monthly salary of 1 0,000 yuan, you started to pay maternity insurance on June 65438+ 10/in 2007, and the payment base was 1189, while in 2007,

She was pregnant in March 2007, gave birth to a baby at the end of February 2007, and was discharged from the hospital in 2008 10. Then you have to get a marriage certificate (unmarried children can not be reimbursed)+one-child certificate (generally speaking, 2

Fetus can't be reimbursed)+medical record+all invoices for checking the size card and hospitalization expenses+hospitalization list+discharge summary. All these materials were submitted to the company. If you are pregnant, check the flowers.

It costs 500 yuan, and it costs 2000 yuan to give birth, hospitalization and surgery. Generally speaking, the company can basically reimburse you all within the scope of medical insurance, and the money after reimbursement includes: 500 yuan.

Examination fee+2,000 pieces of hospitalization operation fee+1 189 yuan/month× 4 months = 7,256 pieces.

1 189 yuan/month ×4 months, and the medical insurance center specially subsidizes the girls who are reimbursed. You can only get it when girls reimburse you.

The state stipulates that a girl's average salary must be four months when she is reimbursed for maternity insurance, so if you give birth to a child for reimbursement, you will not only have to spend money, but also earn four.

Monthly salary! If your basic salary is higher than your salary, for example, 1000 yuan is 1 189, then you still make money.

Maternity insurance must be paid for one year to enjoy, remember to remember.

There is another problem, boys also pay maternity insurance ~ so can boys enjoy maternity insurance?

If you are a boy, your wife doesn't have a job or her work unit doesn't pay insurance, and you have paid maternity insurance for more than one year when she gave birth, then you can also reimburse the birth.

Insurance, but taking the previous example as an example, only 500 examination fee+half of hospitalization operation fee in 2000 can be reimbursed = 1250 yuan.

Can't enjoy the subsidized salary 1 189 yuan/month× 4 months! This is only for girls to enjoy reimbursement ~

For the same expenses, girls can get 7256 yuan for reimbursement, while boys can only get 1250 yuan for reimbursement, which is probably one of the few policies that discriminate against men in China.

Therefore, it is best for girls to make plans before giving birth and start looking for a company to pay maternity insurance one year in advance, so that they can make money!

If a boy wants to marry a wife, he'd better marry a girl who paid maternity insurance for one year when she gave birth, and her salary is higher than her own! But if she's real,

It doesn't matter without insurance. You can also reimburse her for maternity insurance, but you can get four months' salary without subsidies, and you can only get half of the cost in return.

(5) Unemployment insurance

You have to pay for a whole year to enjoy this. Generally 1 year takes two months, two years takes four months, but a lifetime takes 24 months at most. Let's give an example:

If you started to pay insurance on June 65438+ 10, 2007 and were dismissed by the company on June 65438+ 10, 2008, you can ask the company to give you unemployment insurance for two months. If you pay all the money this year,

If you pay insurance based on 1 189, you can get 800 yuan in at least two months ... or you start to pay insurance in 2007 1, and your contract with the company expires in 2008 1.

If you don't want to renew your contract, you can also ask the company to provide you with unemployment insurance for two months and then leave your job, more than 800 yuan ... that is to say, the contract expires or the company dismisses.

You can ask the company to pay you unemployment benefits for two months a year. If the company doesn't help you, you can sue.

However, if you resign before the contract expires, you will not enjoy unemployment insurance even if you have paid 1 year.

As long as you resign yourself, let alone pay 1 year, even if you pay1year unemployment insurance, you will not get a penny when you resign.

(6) Provident fund

Ah, the housing provident fund is a good thing ~

Let's just say that if you pay the provident fund in 200 yuan every month, the company will also pay your account into 200 yuan every month. When you buy a house, it will only be 400 yuan. If you pay,

If you pay 50,000 yuan in your life, your account will be 65,438+10,000 yuan. Don't refuse such a good thing ~

Provident funds can be used to buy a house, repay loans, decorate and so on. If your family can find a place to build a house, the money for building a house can also come from the provident fund.

If you haven't been using the money, it seems that you can withdraw all the money when you finally retire.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.