(Five Risks Science Popularization) The Use of Social Security

Social insurance: five risks

1 medical insurance, the individual pays 2%, and the company pays 10% medical reimbursement for more than 50%, and enjoys medical insurance benefits after retirement.

No.2 pension insurance, 8% paid by individuals and 20% paid by companies, which has been paid for 15 years. After retirement, you will receive a monthly pension.

No.3 maternity insurance, individuals pay 0. After the company pays 0.8% of the maternity fee, it will report the information to the unit and reimburse the related expenses.

No.4 industrial injury insurance, the individual pays 0%-65438+ 0.4% paid by the company, so as to obtain medical expenses and compensation at the time of industrial injury.

No.5 unemployment insurance, the individual pays 1%, and after the company pays 2% unemployment, it will receive unemployment insurance benefits according to the payment period.

Pay attention to knowledge popularization:

Medical insurance: an important issue of medical insurance. From the second month of medical insurance payment, medical treatment cannot be reimbursed. Medical insurance payment

Old-age insurance: after reaching the legal retirement age, the accumulated payment is 15 years. After retirement, you can receive a monthly pension, but you can't pay it in one lump sum! When the retirement age is less than 15, you can only pay for another 5 years! The higher the payment base, the better. The longer the payment period, the better.

Maternity insurance: need to pay in the unit 1 year; It must be produced locally to be reimbursed. If maternity insurance is interrupted, you must continue to pay 1 year to enjoy it. As a man, what is the use of maternity insurance! ! ! ! If the wife already has maternity insurance, your maternity insurance will reimburse you 15 days of paternity leave allowance. If your wife doesn't have maternity insurance, you can use your maternity insurance to reimburse her for medical expenses and allowances.

Unemployment insurance: unemployment insurance must be paid in the original unit before unemployment 1 year. You can't get unemployment without your own will. If you register as unemployed within 60 days after unemployment, you can only get about 1 ,000 yuan per month. There is no limit to the number of times you can receive unemployment benefits for up to 24 months, and you can receive them if you meet the conditions.

Work-related injury insurance: during work and on the way to and from work. Those who suffer accidental injuries or occupational diseases, temporarily or permanently lose their ability to work, or even die of occupational diseases are also counted as work-related injuries; If there is a work-related injury, call the police at the first time and call the manpower; Preserve relevant evidence; Don't use the medical insurance card to see a doctor, and then compensate according to the disability level.

What are the hazards of social security withholding?

! ! Medical expenses cannot be reimbursed, and general medical insurance cannot be used from the second month.

! ! You can't enjoy maternity insurance reimbursement, and you can't enjoy maternity insurance reimbursement the next month after paying social security. Local policies are different, and the continuous payment period before delivery is 6 months, 9 months, 1 year.

! ! Affect the annual reimbursement ceiling of medical insurance. The longer the medical insurance continues to pay, the higher the annual reimbursement ceiling. If the continuous payment is suspended for more than 3 months in some areas, the continuous payment time will be cleared and needs to be recalculated.

! ! Buying a house and buying a car, the points are affected. The continuous payment period of social security is directly linked to the qualifications for buying a house, buying a car and settling down. For example, Guangzhou stipulates that buying a house requires continuous payment of social security for more than 5 years.

! ! The accumulated amount of old-age insurance is reduced, and the accumulated payment period of old-age insurance is calculated, which is not afraid of interruption. The more you give, the more you will get in the future.

How can I leave my job without paying social security?

Looking for a job locally after leaving: For most people, leaving after 22nd is the most cost-effective! ! Companies usually pay social security to employees on June 5438+05 every month, so it is best to leave after June 5438+05 and join the new company before June 15, so that social security can be seamlessly connected.

Looking for a job in a different place after leaving your job: First of all, of the five insurances, only the old-age insurance and medical insurance can be transferred. The transferable process is: 1. Log in to the Social Security Bureau official website to submit a transfer application, or go to the original social security agency with my ID card, social security card and the resignation certificate of the original unit; 2. Print the "Certificate of Insurance Payment" in the social security agency. 3 with the "insurance payment certificate" to the social security agencies to handle social security transfer procedures.

What if the payment defaults? If my household registration is in the city where I live, I can pay medical insurance and endowment insurance as a flexible employee. If I want to cover all kinds of insurance, I still have to pay the company. If I am not registered locally, I can ask the company for money. It is best for relatives and friends to start a company. If not, find a formal intermediary to avoid risks.