Shanghai minimum standard of five insurances and one gold 2023

Shanghai payment standards are as follows:

Old people over 70 years old: 545 yuan/year

Population aged 60-60: 7 15 yuan/year.

/kloc-population aged 0/9-59: 885 yuan/year.

Children and college students: 245 yuan/year.

The minimum payment base of Shanghai social security is 73 10.

Pension insurance payment: 584.8 yuan for individuals and 1 169.6 yuan for enterprises;

Pay unemployment insurance: 36.55 yuan for individuals and 36.55 yuan for enterprises;

Payment of work-related injury insurance: individuals do not pay, and enterprises pay 19438+0 yuan;

Medical insurance payment: individual 146.2 yuan, enterprise 73 1 yuan;

Payment of security fund for the disabled: the enterprise is responsible for paying 109.65 yuan.

Proportion of social security for employees, contributions from enterprises and individuals in Shanghai:

Endowment insurance: 8% for individuals and 0/6% for enterprises;

Unemployment insurance: 0.5% for individuals and 0.5% for enterprises;

Industrial injury insurance: individuals do not pay, and enterprises pay 0.26%;

Medical insurance: 2% for individuals and 0/0% for enterprises;

Security fund for the disabled: the enterprise is responsible for paying1.5%;

Benefits of paying five insurances and one gold:

1, pay less tax

Paying five insurances and one gold can reduce taxes. According to the current regulations, the basic old-age insurance premium, basic medical insurance premium, unemployment insurance premium and housing accumulation fund paid by individuals according to the prescribed proportion are allowed to be deducted from their taxable income.

2. You can get medical insurance reimbursement.

After paying five insurances and one gold, you can enjoy medical insurance reimbursement. If the on-the-job payment reaches the minimum age, you can no longer pay the basic medical expenses after retirement and enjoy medical insurance benefits higher than on-the-job reimbursement.

3. Receive unemployment benefits

Receiving unemployment benefits refers to receiving unemployment insurance benefits and other subsidies when you are unemployed after paying unemployment insurance benefits, while unemployment insurance is a kind of policy insurance, which is usually not purchased by commercial insurance companies.

4. Compensation for industrial accidents

Compensation for work-related accidents can give certain economic compensation to the families of workers with work-related injuries and reduce economic pressure.

Receive a considerable pension every month after retirement.

After retirement, you will receive a considerable pension every month. You only need to pay the old-age insurance 15 years before retirement, and you can enjoy the guarantee that you can still have money after retirement.

6, housing provident fund loan interest rate is low.

Housing provident fund loan interest rate is low, housing provident fund can be used for housing purposes, and can be taken out at one time when retiring. At the same time, the interest rate of housing provident fund loans is lower than that of commercial loans.

7, the actual increase in employee income.

Among the five insurances and one gold, actually increasing the income of employees is one of them. Unit deposits and personal deposits are owned by individuals, and personal income can be increased by increasing individual contributions.

In summary, the company's monthly payment increased by 223.25 yuan, and the individual's monthly payment increased by 82.95 yuan.

Legal basis:

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

second

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.