Zhejiang five insurance and one gold payment ratio

Endowment insurance: 0/4% for enterprises and 8% for individuals; Medical insurance: enterprise 1 1.5%, individual 2%; Unemployment insurance: enterprise 2%, individual 1% (farmers do not pay); Maternity insurance: 65438+ 0.2% for enterprises, and individuals do not bear any expenses; Industrial injury insurance: 0.8% for enterprises, and individuals do not bear any expenses; Housing accumulation fund: enterprise 12%, individual 12%.

Social security base The minimum payment base for workers' basic old-age insurance and industrial injury insurance is 80%(2967.54 yuan) of the average monthly salary of workers in the province in 20 13, and the minimum payment base for other social security types is 60%(2225.65 yuan); If it is higher than 300% (11128.26 yuan), it is determined to be 300%. As can be seen from the above, the minimum social security payment base of Hangzhou 20 16 is 2225.65 yuan, and the maximum is 1 128.26 yuan.

According to the relevant policies and regulations of "controlling the high and ensuring the low", if the average monthly salary of employees in the previous year was lower than 1.470 yuan (minimum wage standard), the deposit base was determined as 1.470 yuan; The maximum deposit base shall not exceed 3 times the average monthly salary of employees in the city in the previous year. If the deposit base is adjusted and raised this year, the adjusted deposit base shall not exceed 159 16 yuan.

The monthly payment amount of five insurances and one gold is determined according to the individual monthly payment and the total monthly payment of the unit. The specific calculation method is as follows:

Individual monthly payment = payment base × individual five insurances and one gold payment ratio (rounded to the nearest yuan)

Monthly payment per unit = payment base × payment ratio of five insurances and one gold per unit (rounded to the nearest yuan)

Total monthly payment for five insurances and one gold = individual monthly payment+unit monthly payment.

What are the benefits of paying five insurances and one gold?

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and if you deposit it in the bank, there will be interest tax.

3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death. With the improvement of social living standards, it will only increase rather than decrease, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life.

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.

5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the maternity insurance premium is entirely borne by the unit.

6. Payment of unemployment insurance benefits You can get unemployment insurance benefits and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Article 35 The employing unit shall pay the work-related injury insurance premium according to the total wages of employees and the rate determined by the social insurance agency.

Article 47 The standard of unemployment insurance benefits shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government, and shall not be lower than the minimum living standard for urban residents.