28 1.76 How much does the individual pay and how much does the enterprise pay?

Jiangsu began to implement a new payment base for old-age insurance. The lower limit of the basic old-age insurance for employees in Jiangsu enterprises has been temporarily raised from 2564 yuan to 2820 yuan, and the upper limit has been temporarily raised from 12820 yuan to 14 100 yuan. In the future, the insured will pay the insurance premium and social security benefits at least every month.

The reporter learned that when the Provincial People's Social Welfare Department issued a notice, it explained that since the average salary of employees in the province has not been announced in 20 13, the average salary of employees in urban non-private units in the province is temporarily 4,273 yuan for those who meet the requirements and need to go through retirement procedures after July 14. After the Provincial Bureau of Statistics released the average wage of employed persons in non-private units in cities and towns in the province in 20 13, it will recalculate and reissue the difference according to the relevant social insurance base published by the Department of Human Resources and Social Security in 20 14.

It is understood that the insured employees generally take their actual wage income as the base of social insurance payment, and pay the insurance premium of various insurances according to the relevant proportion every month. However, the lower the wage income, the higher the wage income, and the lower and upper limits of the payment base should be used as their own payment base. The upper and lower limits of social security payment wages are linked to the average monthly wages of employees in the whole province in the previous year announced by the statistical department.

Take the old-age insurance as an example, the lower limit of the payment base is raised from 2564 yuan to 2820 yuan. As the individual contribution rate of endowment insurance is 8%, the insured employees need to pay (2820-2564)×8% = 20.48 yuan per month. The employer needs to pay 53.76 yuan more for each employee (the payment ratio is 2 1%).

The increase in the lower limit of the payment base makes some employees with lower incomes feel that social security fees will be deducted more and their wages will be less from next month. In this regard, the Provincial People's Social Welfare Department issued a special supplementary explanation. Considering that private enterprises account for a certain proportion and low-income groups exist objectively, areas where it is difficult to implement the above-mentioned lower limit standards are allowed to make appropriate adjustments. Among them, in areas where the average wage of employees in 20 12 years is higher than that in the whole province, the lower limit of payment wage can be temporarily determined at not less than 2564 yuan; In areas where the average wage of on-the-job workers in 20 12 years is lower than that of the whole province, the lower limit of payment wage can be temporarily determined by not less than 2299 yuan.

The wage base and treatment standard of unemployment, medical care, work injury and maternity insurance are determined by the human resources and social departments of the cities under the jurisdiction of the province. After 20 14 annual social insurance base is officially announced, it will be implemented according to the newly announced standards from the next month. The reporter learned that the salary base and treatment standard in Nanjing have not yet been determined.

In addition, the reporter learned that with the consent of the provincial government, the deposit interest rate of individual accounts of basic old-age insurance for enterprise employees in Jiangsu Province has been set at 3.75% since July 1 day, 2005. 1, from July 20 14 to June 30, 20 15, the deposit calculated by the insured before the establishment of the personal account of enterprise employees' basic old-age insurance bears interest at the annual rate of 7.8%.

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