What is the payment base of five insurances and one gold in Wuxi City, Jiangsu Province?

1. According to the query of Wuxi Social Security Bureau

Provident fund deposit ratio

The deposit ratio of housing provident fund in government agencies and institutions is 12% for units and employees, and the deposit ratio of enterprises (including self-supporting institutions) is determined between 8%- 12% (the deposit ratio of units and individuals must be consistent).

Second, the proportion of social security contributions.

The contribution ratio is 40.9%-43.5% (industrial injury insurance fluctuates according to industry type).

Endowment insurance: 20% for enterprises and 8% for individuals.

Medical insurance: 8% for enterprises and 2% for individuals.

Unemployment insurance: enterprise ratio 1%, individual ratio 1%.

Maternity insurance: the proportion of enterprises is 0.9%, and individuals do not have to pay.

Industrial injury insurance: the proportion of enterprise contributions is divided into three categories according to industry types, one is 0.8%; 65438+ Class II 0.6%; The third category is 2.4%, and individuals do not have to pay.

Three, five insurance and one gold payment ratio and five insurance and one gold payment base, each place has different regulations, there is no unified national standard. Briefly say what they mean.

1. Determination of the base: the social security payment base for this year is approved according to the average monthly salary of enterprise employees in the whole province in the previous year.

2 individual employees take the monthly average of their total wage income in the previous year as the monthly payment base of this year. (For new employees, the full salary income from the employee's starting salary in the current month is taken as the payment base; The insured unit takes the sum of the monthly payment bases of all the insured employees of the unit as the monthly payment base of the unit. )

3. The deposit base of housing provident fund shall be calculated according to the average monthly salary of employees in the previous year, and shall not be lower than the minimum wage standard published by the municipal government in that year.

4. Monthly payment amount of endowment insurance = monthly payment base of endowment insurance × payment ratio of unit endowment insurance+monthly payment base of endowment insurance × payment ratio of individual endowment insurance.

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" project, which is legally necessary, and paying it also means an obligation.

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.

Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees were merged in some pilot areas, and the inspection expenses were reimbursed together with general medical expenses. The pilot period is about one year. The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy maternity insurance benefits.

(Five insurances and one gold refer to Baidu Encyclopedia)