20 19 Changsha five insurance and one gold payment base ratio, five insurance and one gold minimum standard.

Revealing five insurances and one gold in Changsha: it is not cost-effective to use the housing provident fund for a long time.

Looking for a job, in addition to asking about salary, you usually have to ask how to pay five insurances and one gold. Because you can't live without it. But five insurances and one gold actually have some secrets that you don't know. For example, pension insurance is overpaid; Medical insurance not all diseases can be insured.

The following is the secret of "five insurances and one gold": 1, the proportion of Changsha provident fund.

The minimum deposit ratio of housing provident fund for units and employees in Changsha is 8%, and the maximum deposit ratio is 12%.

Monthly deposit amount of housing provident fund = employee housing provident fund deposit base × (employee housing provident fund deposit ratio+unit housing provident fund deposit ratio)

The proportion of employees and units paying housing provident fund shall be implemented in accordance with the proportion announced by the municipal government every year.

Housing provident fund deposit object:

Setting: State organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations.

Employees: employees who have established and formed labor relations with the employer.

Units do not apply for housing provident fund deposit registration or do not apply for the establishment of housing provident fund accounts for employees of this unit, and the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.

2. Changsha five insurance and one gold social security ratio.

Endowment insurance: 20% for enterprises and 8% for individuals.

Medical insurance: 8% for enterprises and 2% for individuals.

Unemployment insurance: 2% for enterprises and 0/%for individuals.

Maternity insurance: enterprises pay 0.7%, while individuals do not.

Endowment insurance: enterprises pay 0.5%, and individuals do not.

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Since March of 1 year, the unemployment insurance rate in Hunan Province has been reduced from 3% stipulated in the current regulations to 2%, of which the employer's contribution rate has been reduced from 2% to 1.3%, and the individual's contribution rate has been reduced from 1% to 0.7%. From July this year 1, the unemployment insurance premium was raised from 80% of the local minimum wage to 85%.

The Hunan Provincial Department of Human Resources and Social Security said that in order to effectively reduce the burden on enterprises, starting from June 5438+ 10 1, the maternity insurance premium rate will be appropriately reduced in the overall planning areas where the balance of maternity insurance funds exceeds the reasonable balance. Areas that meet the overall planning conditions should release the implementation plan for reducing the rate before the end of September.

Shenma is five insurances and one gold: five insurances and one gold for social security, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

Revealing the five insurance and one gold scam: Did you pay your money for nothing?

Proportion of regular payment of five insurances and one gold

Next, let's read the secret of five insurances and one gold in detail.

1, Changsha endowment insurance: Your consumption level may drop sharply after retirement.

At present, the core of China's old-age insurance system is the basic old-age insurance for urban workers. That is, people who work can deduct a sum of money from their salary every month and get a pension from the social security system when they reach the legal retirement age (60 men and 50 women).

If you graduate from university at the age of 22 and work in Beijing with the highest China Pension Development Index, the average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2065,438+065,438+0 was 4,672 yuan), and the salary base paid by the company is 8,000 yuan. According to the fixed growth rate of 5%, when you retire (60 years old), your monthly salary is 48,600 yuan. According to current standards, the pension you receive after retirement is 8624 yuan. This is only equivalent to 18% of the salary before retirement, and is lower than the national average basic consumption expenditure.

2. Changsha Medical Insurance: Not all diseases can be insured.

Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction and mental illness are not covered by medical insurance.

In addition, if there are unfortunate traffic accidents or injuries by gangsters, these are not covered by medical insurance. Only when the public security organ proves that the injurer cannot be found can it be temporarily written off by medical insurance.

There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.

3. To receive unemployment benefits in Changsha, you must first meet the following two conditions:

1) The employer and I have fulfilled the obligation to pay unemployment insurance for 1 year according to the regulations.

2) Resign voluntarily

Then there are a lot of formalities to be done: within 60 days from the date of leaving your job, you should register unemployment with the labor security department of the street or town where your household registration is located and apply for unemployment insurance money with your vocational guidance and training card, household registration book, ID card, proof of labor (employment) termination contract or work relationship, and photos.

Pay attention to the location of your hukou, that is, if your hukou is in Gansu and people work in Shanghai, you have to go back to your hometown all the way. According to current standards, the unemployment insurance premium in most cities ranges from several hundred yuan a month, and basically does not exceed 1 10,000 yuan. The more backward the economy is, the less you can get. There is not much money, and the time to get it is not long: before unemployment, pay 1 to five years, and get 12 months at most; 5 years to 10 years, at most 18 months; If the accumulated payment time exceeds 10 year, the longest payment period is 24 months.

4. Changsha industrial injury insurance: 48-hour life and death line.

On June 19, an article entitled "Is the death of underage migrant workers late 1 hour not a work-related injury death? The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.

They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.

In fact, disputes and lawsuits about work-related injuries have been going on. It's not just a 48-hour line. It's not that easy to identify work-related injuries.

5. Changsha maternity insurance: there must be a unit.

Childbirth is a very private matter, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.

Maternity insurance must be paid for at least one year to enjoy it. After giving birth, we will continue to pay the fees. If you don't pay, you won't enjoy the benefits of family planning later.

6. Changsha Housing Provident Fund: It is not cost-effective not to use it for a long time.

As many people know, the more housing provident fund units pay each month, the better, which can be used to buy houses and decorate in the future. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account.

Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In the case of increasing inflation, it is obviously not as good as self-investment, or even as good as one-year time deposit in banks.

Now, have you understood all these little secrets about five insurances and one gold?