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Is Tongbai Social Security the same as Nanyang Social Security?
Extended data:
What's the difference between personal social security and unit social security?
As we all know, companies usually pay five kinds of social insurance: old-age insurance, unemployment insurance, medical insurance, industrial injury insurance and maternity insurance, as well as housing accumulation fund. The social security paid by individuals is only endowment insurance and medical insurance, and others cannot be paid. And force the unit to pay social security for employees.
First, the payment ratio.
1, unit
Total amount of five insurances and one gold = social security payment base × (pension insurance ratio+medical insurance ratio+unemployment insurance ratio+provident fund ratio) +3.
Among them, pension, medical care and unemployment insurance are paid by individuals and enterprises respectively, and general enterprises account for the bulk (the specific payment ratio depends on the actual situation in various places), such as:
(1) Old-age insurance premium: 20% paid by the unit and 8% paid by the individual.
(2) Unemployment insurance premium: 2% paid by the unit and 1% paid by the individual.
(3) Medical insurance premium: the unit pays 8% and the individual pays 2%.
Industrial injury insurance and maternity insurance do not need to be paid by individuals, but are all paid by enterprises.
individual
As a part of social insurance paid by individuals, it needs to be borne by individuals.
2. Retirement benefits
(1) retirement age
Social security of the unit: the female cadres of the unit are 55 years old and the female employees are 50 years old.
Personal social security: All women are 55 years old.
The age at which the male insured retires to receive a pension is 60, regardless of the unit or individual.
(2) Medical insurance card
Units have three insurance benefits: unemployment, work injury and maternity, while individuals do not have these three insurance benefits. The medical insurance card of the unit has a certain amount of medical expenses every month, and the individual has no medical expenses.
(3) government subsidies
In addition to individual contributions, the government will also provide social security subsidies to residents. The more individual contributions, the more government subsidies, and all individual contributions and government subsidies are included in the insured's personal account. Pension consists of personal account pension and basic pension, and the level of personal account pension is determined by the amount of account storage, that is, the total amount of individual contributions and government subsidies; The basic pension is paid in full by the government.
3. How to collect the endowment insurance?
Individuals who participate in the basic old-age insurance will receive the basic old-age insurance monthly if they reach the statutory retirement age and have paid the accumulated contributions for fifteen years. If the accumulated payment is less than fifteen years when reaching the statutory retirement age, the payment can be made for fifteen years, and then the basic pension can be received monthly.
If an individual who participates in the basic old-age insurance dies due to illness or non-work, his will can receive funeral subsidies and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance.
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