How to determine Anhui's social security base?

Social insurance: China's current social insurance includes five items: basic old-age insurance, unemployment insurance, basic medical insurance, industrial injury insurance and maternity insurance. The state establishes a social insurance system and a social insurance fund according to law, so that workers can get help and economic compensation when they are old, unemployed, sick, injured at work and give birth, and guarantee their basic living and basic medical care. Social insurance is the state's social responsibility to workers, which has the characteristics of compulsion, security, welfare and universality, and plays an important role in safeguarding the legitimate rights and interests of workers, maintaining social stability and promoting social and economic development.

How to determine the base of social insurance payment?

The average monthly salary of employees above the individual level is the payment base; The employer takes the sum of the individual payment bases of employees as the payment base. Wages of employees include hourly wages, piecework wages, bonuses, allowances and subsidies, overtime wages, wages paid under special circumstances, etc. According to the policy, when the average wage income of employees in the previous year was lower than 60% of the average monthly wage of employees in this city in the previous year, 60% of the average monthly wage of employees in this city in the previous year was used as the payment base (for example, the minimum payment base in 2004 was 780 yuan, and wuqing district, Baodi District, Jinghai County, Ninghe County and Jixian County were approved by the district and county labor administrative departments, and could be approved as 680 yuan); If the average monthly salary of employees in last year was higher than 300% of the average monthly salary of employees in this city in the previous year, 300% of the average monthly salary of employees in this city in the previous year was used as the base for employers and employees to pay social insurance premiums (for example, the highest payment base in 2004 was 3,900 yuan), and the part exceeding 300% was not used as the base for employers and employees to pay social insurance premiums, nor as the base for calculating social insurance benefits.

When employers and employees pay back social insurance premiums, the payment base shall be determined according to the actual wage income of employees in each year and relevant regulations.

For new employees (including employees transferred to new units), their employers and employees themselves take the first month's salary income obtained by employees themselves as the base for paying social insurance premiums. When the wage income of employees is lower than 60% of the average monthly wage of employees in this Municipality in the previous year, 60% of the average monthly wage of employees in this Municipality in the previous year shall be used as the payment base; If the wage income of employees is higher than 300% of the average monthly wage of employees in this Municipality in the previous year, 300% of the average monthly wage of employees in this Municipality in the previous year shall be used as the base for employers and employees to pay social insurance premiums.

2. What effect does the basic salary have on employees?

The payment base is not only an important basis for calculating the payment amount of employers and insured employees, but also an important basis for calculating the social insurance benefits of employees. The social insurance system formulated by the state fully embodies the incentive function and efficiency principle corresponding to rights and obligations, that is, the longer the payment time, the higher the payment base, the more contributions and the higher the treatment. Affect the pension insurance benefits

The pension insurance benefits consist of basic pension, personal account pension, transitional pension and subsidies. Low payment base will affect personal account pension. Because the basic old-age insurance personal account pension, based on the storage amount (including principal and interest) included in the basic old-age insurance personal account, is calculated and paid according to1120. Personal account is credited according to 1 1% of the employee's salary, including: all individual contributions of the employee (currently 8% of the employee's contribution base); Part of the basic old-age insurance premium paid by enterprises (currently 3% of the employee contribution base); Deposit interest. If the payment base is low, it will inevitably affect the amount credited to personal accounts and pension insurance benefits. Affect medical insurance benefits

The impact on medical insurance benefits is mainly reflected in personal accounts. According to the policy, the personal account of medical insurance is mainly the basic medical insurance premium paid by employees, the basic medical insurance premium paid by employers and interest. The inclusion criteria are: employees under the age of 45 are included according to 0.8% of the monthly per capita contribution salary of the employer; Employees who have reached the age of 45 shall be counted as 65438+ 0.2% of the monthly per capita wage paid by the employer; Retirees under the age of 70 are included at 3.8% of the monthly per capita wage of employees in this city; Retirees who have reached the age of 70 are included according to 4.4% of the monthly per capita wage of employees in this Municipality; Old workers who participated in revolutionary work before the founding of the People's Republic of China and enjoyed 1.000% retirement benefits (hereinafter referred to as "old workers") shall be counted as 4.8% of the monthly per capita salary of employees in this Municipality. If the payment base is low, the amount allocated to the employee's personal medical insurance account will be less, which will affect the employee's treatment. Affect the treatment of industrial injury insurance

According to the policy, employees participating in work-related injury insurance who are identified as 1 to 10 disabled will enjoy certain work-related injury insurance benefits. When calculating the treatment, based on the average salary of employees in the previous year, the treatment of work-related injuries is determined according to the disability level.

For example, if an employee is disabled at work and is identified as Grade 5 or Grade 6, a one-time disability subsidy will be paid from the industrial injury insurance fund according to the disability grade. The criteria are: level 5 disability is my salary 16 months, and level 6 disability is my salary 14 months. When determining my salary, I will take the monthly average payment salary of 12 months before my work injury, that is, the monthly average payment base as my salary. Obviously, after the disability level is determined, the amount of work-related injury treatment is determined by the level of payment base. 3. What if the employee disagrees with the reporting base?

If the employee himself disagrees with the payment base declared by the employer, it shall be submitted to the employer in time, and the employer shall adjust it according to the salary income of the employee and submit it to the insured employee for confirmation. If the employer fails to declare the payment base according to the regulations and does not adjust it, I will safeguard my rights and interests according to law. According to the relevant regulations, if you know or should know that the social security rights and interests have been infringed for more than 60 days, the labor security arbitration institution will no longer accept it. Therefore, the majority of insured employees should pay attention to their signatures, and if they have objections to the payment base declared by the employer, they should be corrected in time. If the unit does not adjust the payment base, it may report to the labor and social security department or social security center where the unit is located, or apply to the labor arbitration department for labor arbitration.

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