What are the procedures for handling personal social security?

How to handle personal social security is simpler? How do individuals pay social security? It is very necessary for individuals to participate in social security and get the most basic social security, but how to handle personal social security? Here's what I did for you. I hope it works for you. Personal social security procedures to pay pension insurance, unemployment insurance and medical insurance: do ... want to know more about how to handle personal social security? Let's have a look.

First, the personal social security process.

Pay endowment insurance, unemployment insurance and medical insurance:

Processing time: 65438+ 0-20th of each month (except holidays).

Second, the required materials:

1. Bank of Beijing Debit Card (go to Bank of Beijing with my 18 ID card), and deposit the pension, unemployment and medical insurance benefits in full into the Debit Card;

2. 1 My ID card and its front and back copies (A4);

3. For the new insurance, please bring:

(1) 1 inch color bareheaded photos developed from dark clothes with white background;

(2) 1 copy for the front and back of the ID card, and 1 copy for the front and back of the ID card (a4);

(3) The original residence booklet and copies of the first page, personal page and change page of the residence booklet (A4);

4. File card (file card of Dongcheng Talent Center).

Third, the handling process:

Select the payment base standard, fill in the "Beijing Social Insurance Personal Information Registration Form", and submit the original personal ID card and residence booklet and the required number of copies of the ID card and residence booklet;

Check the printed Beijing Social Insurance Personal Information Registration Form, and sign the Agreement on Personal Entrusting Archivists to Pay Social Insurance Fees and the Agreement on Personal Entrusting Archivists to Pay Basic Medical Insurance Fees and Large Medical Mutual Fund.

Fourth, matters needing attention:

1. The monthly transfer time of old-age unemployment insurance is from 5th to 8th, and the monthly transfer time of medical insurance is from12nd to 25th. The insured shall ensure that there is enough money in the Beijing bank card registered at the time of transfer to pay the insurance premium of the current month;

2. After signing and paying the endowment insurance, unemployment insurance and medical insurance in our center, I will deposit the social security fees in full into the debit card of Beijing Card before the end of each month, and print the statement at Bank of Beijing after 15 of the following month to check the payment amount; Print the statement in the bank every two months, and deposit it in full and on time according to the deducted amount to ensure the successful deduction;

3. If the balance of pension unemployment insurance in the current month is insufficient, the monthly insurance premium will be deducted next month, and the pension unemployment insurance premium will not be deducted last month; If the balance of medical insurance in the third month is less than two months, if it is more than three months, the payment amount of medical insurance for three months shall be withheld together;

4. The medical treatment will take effect 180 days after the new medical insurance is handled;

5. Please keep the debit card balance of Bank of Beijing more than the insurance premium you choose to pay 10 yuan; The payment base is adjusted after April every year. Please pay attention to inquire about the adjusted payment amount.

6. If it has not been transferred for three consecutive months, it shall be deemed as automatic termination of payment of social insurance agreement. If you want to continue to pay social insurance in this center, you need to re-sign the payment agreement in this center according to the above process.

Verb (abbreviation of verb) calculation of insurance premium

Calculation of social insurance premium

Social insurance must calculate the liability of the insured according to the probability of various risk accidents and the total payment expenditure estimated in advance according to the payment standard.

Take a certain proportion of the burden as the standard for determining the insurance premium rate. Moreover, unlike commercial insurance, the calculation of social insurance rate needs to consider more social and economic factors besides risk factors in order to obtain a fair and reasonable rate.

VI. Collection of social insurance premiums

1. proportional insurance system

This method is based on the wage income of the insured, and a certain proportion is stipulated to collect insurance premiums. Adopting the proportional system, the initial main purpose of social insurance is to compensate the income lost by the insured in risk accidents in order to maintain their minimum living. Therefore, we should refer to his usual income, on the one hand, as a standard to measure payment, on the other hand, as the basis for premium calculation.

The biggest drawback of the work-based proportional insurance system is that the burden of social insurance is directly related to wages. Whether employers and employees bear social insurance premiums or one of them bears social insurance premiums, the burden of social insurance is manifested in the increase of labor costs, which will lead to capital crowding out labor, which will lead to an increase in unemployment.

2. Equal insurance premium system

That is, regardless of the income of the insured or his employer, the insurance premium of the same amount should be charged. The advantages of this system are simple calculation and easy to be universally realized. Moreover, in countries that collect insurance premiums in this way, the payment system is generally divided equally, which has the significance of equal income and expenditure. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability.

The price of personal social security.

Seven, if the calculation of social security contributions need the following steps:

1, it should be known that the average social wage (referring to the average social wage of the city where it was located in the previous year) is published by the Social Security Bureau every year and can be found online.

2. Monthly social wage = last year's social wage/12

3. Pension insurance payment base = monthly social salary * selected gear (40%, 60%, 100%)

4. Pension insurance payment amount = pension insurance payment base *0.2

5. Unemployment insurance payment = pension insurance payment *0.06.

6, medical insurance payment base = monthly social wage ×0.7

7, medical insurance payment amount = medical insurance payment base *0.07.

8. Total social security contributions = pension insurance contributions+unemployment insurance contributions+medical insurance contributions.

The payment standard in each city is different. The base of individual social security contributions and the proportion of individual social security contributions can be consulted by the local social security bureau. The basic formula of social security payment is: social security payment base * social security payment ratio.

Eight, social insurance is higher quality insurance 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 charges for commercial insurance are much higher than those for social security with the same specifications.

2. Social insurance covers more aspects than general commercial insurance. Commercial insurance generally only covers medical care or old-age care, while social insurance can generally cover five risks at the same time. Moreover, in terms of medical care, the advantages of social insurance are very prominent.

The standard of social insurance is constantly improving every year. At the beginning of July every year, the state will adjust the social security base according to the basic salary of employees, and the adjustment ratio is still very high. Generally, it will increase by more than 10% every year, which means that the more money you get later, the biggest advantage of this is that it can eliminate the impact of inflation in a relatively small range, and even if commercial insurance adjusts its income, it will not rise faster than social insurance as a whole.

Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge.