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2018 Shaoyang five insurance and gold payment base ratio, five insurance and gold minimum standard

2018 Shaoyang five insurance a gold payment base ratio, five insurance a gold minimum standard

reveal Shaoyang city five insurance a gold: housing provident fund long-term unused not cost-effective

looking for work, in addition to ask the salary, generally have to ask how to pay for the five insurance a gold. Because your life is old, sick and dying to live, all inseparable from it. But there are some secrets that you don't know about the five insurance policies. For example, the pension insurance to pay more ≠ get more; medical insurance is not all the disease can be insured, and so on.

Here are the secrets of the "five insurance and one gold":

As the call to reduce the proportion of "five insurance and one gold" contribution is getting louder and louder, the local governments began to adjust, but from the current program, all of them are Reduced the proportion of corporate contributions, while the individual part has not been adjusted downward. Therefore, the salaried people can get how much benefit, but also really have to continue to observe the local policy. Before we can get the benefits, let's take a look at what we often say "five insurance and one gold" in the end? How much money do we pay each month?

Pension insurance:

Individuals and companies in various provinces and cities pay different ratios, the following only to Beijing as an example:

Individuals and companies, respectively, in accordance with the previous year's average monthly salary of 8% and 20% of the payment must be paid for a full 15 years, the retirement can be received monthly pensions.

If the place of work and insurance is in the place of domicile, you will receive the pension in the place of domicile; if the place of work is not in the place of domicile and you have paid the pension insurance for more than 10 years, you will receive the pension in the place of work; if you have worked in more than one place and the total number of years is less than 10 years, you will go back to the place of domicile to receive the pension.

The amount of the pension after retirement is related to four factors: 1) the average wage of the province's on-the-job workers; 2) the indexed average monthly wage of the individual over the years of his/her employment; 3) the number of years of contributions; and 4) the balance of his/her personal account at the time of his/her retirement.

Take an employee's monthly salary of 10,000 yuan as an example, the monthly pension insurance to be paid is:

Individual: 10,000 * 8% = 800 yuan

Company: 10,000 * 20% = 2,000 yuan

***Payment: 800 (Individual) + 2,000 (company) = 2,800 yuan

Medical insurance

There are differences in the proportion of individual and company contributions in various provinces and cities, and the following is only an example of Beijing:

The proportion of individual and company contributions is 2% and 10% respectively, and the insured workers in Beijing will receive a bankbook from the Bank of Beijing, and the 2% of individual contributions can be taken out at any time, and if not taken out, it will only be accrued at the prevailing rate of interest.

Take the employee's monthly salary of 10,000 RMB as an example, the monthly unemployment insurance payment is:

Individual: 10,000*2%=200 RMB

Company: 10,000*10%=1,000RMB

***Payment: 200 (individual) + 1,000 (company) = 1,200RMB

Medical insurance coverage:< /p

The starting point of insurance for outpatient visit is 1800 RMB, the cost of one year is not reimbursed for less than 1800 RMB, and the portion exceeding 1800 RMB can be reimbursed, the reimbursement ratio is different for different levels of hospitals, among which 90% is reimbursed for community hospitals and 70% for other hospitals.

The starting point for reimbursement of hospitalization expenses is 1,300 yuan, and only the part of the annual cost exceeding 1,300 yuan and the amount of each hospitalization reaching 650 yuan can be reimbursed, and the reimbursement rate varies depending on the amount and the hospital, ranging from 85% to 97%.

The maximum reimbursement is $100,000 for Medicare only, and up to $300,000 if you pay an additional $3 for catastrophic coverage.

Men who have paid for 25 years and women who have paid for 20 years can continue to receive medical reimbursement after retirement.

Unemployment insurance

Individuals and companies pay 0.2% and 1% respectively, and rural households are not required to pay.

Take an employee's monthly salary of 10000 RMB as an example, the monthly unemployment insurance to be paid is:

Individual: 10000*0.2%=20RMB

Company: 10000*1%=100RMB

***Payment: 20(Individual) + 100(Company) = 120RMB

Conditions for receiving: First, unemployment insurance The first is to pay the unemployment insurance for 1 year; the second is to interrupt the employment without one's own will, that is to say, the company dismisses you only, you leave the job does not count; the third is to provide all kinds of supporting materials to go to the street office where the household registration for unemployment registration.

The time to receive:

1, the cumulative contribution time of one year less than two years for the receipt of three months;

2, the cumulative contribution time of two years less than three years for the receipt of six months;


How to get the five insurance and one gold: social security five insurance and one gold, including pension insurance, medical insurance, unemployment insurance, Workers' compensation insurance, maternity insurance, housing fund.

Revealed five insurance a gold scam: your money is not paid in vain

Formal five insurance a gold payment ratio

Next, we come to the detailed interpretation of the secret of five insurance a gold.

1, Shaoyang city pension insurance: after retirement, your consumption level may have to fall sharply

At present, China's pension insurance system, to "urban workers basic pension insurance" as the core. This means that people who work are deducted from their paychecks every month, and when they reach the legal retirement age (60 for men and 50 for women), they can receive a pension from the social security system.

Suppose you graduated from university at the age of 22 and worked in Beijing, which has the highest pension development index in China, with an average monthly income of 8,000 yuan (the average monthly salary in Beijing was 4,672 yuan in 2011) and a unit contribution of 8,000 yuan to the salary base. According to the fixed growth rate of 5%, your monthly salary will be 48,600 RMB when you retire (age 60). And according to the current standard, the pension you receive after retirement is $8,624. This equates to only 18% of your pre-retirement salary and is less than the national average basic consumer spending.

2, Shaoyang City, medical insurance: not all the disease can get insurance

plastic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, the above medical expenses, medical insurance does not care.

In addition, if the unfortunate traffic accident, or by thugs hurt, these are not in the medical insurance coverage, only in the public security organs to prove that really can not find the victim of the case, can be by the medical insurance temporary write-off.

There are also many restrictions on the use of health insurance in other places. In the domestic non-residential place of sudden illness, the need for emergency rescue can first be near the hospital, but must be within three working days, the date of hospitalization, the name of the hospital and other information will be reported to the participant health insurance agencies for the record, the condition of stabilization after the need to continue to treat, it should be transferred to the designated medical institutions in time to seek medical treatment.

3, Shaoyang City to receive unemployment benefits, must first meet the following two conditions:

1) the unit and I have been in accordance with the provisions of the obligation to fulfill the unemployment insurance contributions for a full year

2) non-owner-initiated resignation

Then there is a whole lot of formalities to be done: should be in the date of leaving the 60-day period of the occupational guidance and training card, household registration, identity card, the dissolution of labor (employment). The first thing you need to do is to register for unemployment with the labor security department of the street or town where your household is located within 60 days of the date of separation with your vocational guidance and training card, household register, ID card, proof of termination of the labor (employment) contract or working relationship, and a photo to apply for unemployment insurance benefits.

Note that the location of the hukou, that is to say, if your hukou in Gansu, and people work in Shanghai, you have to go a long way back to the home to do. The current standard, most of the cities in a month of unemployment insurance premiums ranging from a few hundred dollars, basically no more than 1,000 yuan, the more economically backward areas, the less you can receive. Money is not much, can be collected for a long time is not long: unemployed before the cumulative contribution of 1 year to 5 years, up to 12 months; 5 years to 10 years, up to 18 months; cumulative contribution time of more than 10 years, up to 24 months.

4, Shaoyang City, work-related injury insurance: 48 hours of life and death line

June 19, the network appeared on the Internet, entitled "minor civilian workers die 1 hour late not counted as a workplace fatality forcing people to die early? the net post. The net post said, Hunan Loudi 17-year-old civilian workers Chen Guo, in Dongguan City, Shijie Town, working in severe heatstroke death. As Chen Guo died in the 49th hour after the onset of the disease, his family has not been able to get compensation after 20 days.

They were told that Article 15 of China's Work Injury Insurance Regulations stipulates that if a person dies of a sudden illness during working hours and at work, or if he dies within 48 hours after being rescued, the death will be treated as a work injury. Chen Guo is the onset of the 49th hour after the death, is not considered a work injury.

In fact, the disputes and lawsuits about the recognition of work-related injuries have been constant. Not only 48 hours of life and death line, to recognize the work injury, not so easy.

5, Shaoyang Maternity Insurance: must have a unit

Maternity is a very personal thing, but if there is no work unit, it is difficult to enjoy maternity insurance. This is because maternity insurance must be paid by the unit. In other words, a full-time wife would not be able to have maternity insurance.

Maternity insurance is only available if you have paid contributions for at least one year. After the birth of a child, you have to continue to pay, but if you do not pay, you can not enjoy the benefits of family planning.

6, Shaoyang City, housing fund: long-term use is not cost-effective

Many people know that every month the unit to pay the housing fund the more the better, the future to buy a house, renovation can be used. But for those who don't buy a house, or aren't planning to buy a house in the short term, it's not cost-effective to have a provident fund just sitting on your account.

This is because the portion of the provident fund that is paid in the current year can only earn a demand deposit rate, while the funds paid in previous years can only earn a three-month fixed deposit rate. With inflation on the rise, it is obviously not as good as using it for investment yourself, or even a one-year fixed deposit in a bank.

Now, these little secrets about the five insurance funds, you have figured out?

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