How long will it take to get five insurances and one gold?

Generally, you have to pay 15 years, and you can enjoy the pension for life when you retire, so people who want to get the pension must start paying before you retire. If you pay less than 15 of the pension insurance at retirement age, the state will return all the 8% pension saved in your personal account to you when you retire. Where is the 2 1% paid by the company? The state has allocated 2 1% of the money paid by the unit for you to the national pension fund. According to national regulations, when refunding money, only the money withheld by the individual will be refunded, and all the money paid by the unit for him will contribute to the country. How to calculate the retirement pension? The algorithm of pension is very complicated, and the country will change the payment base once a year. If you are 30 years old now, your current payment base is 3,000 yuan. If the retirement age is 55, you must start paying the old-age insurance before you are 40. If you start paying at the age of 30 and pay for 25 years at the age of 55, you must first enjoy a pension. Secondly, if the payment base of 3,000 Yuan You in 25 years becomes 6,000 yuan, then at the age of 55, you can get the basic pension of 6,000× 20% =1.200 yuan first, which is given to you by the state. Besides, you have accumulated a lot of money in your personal account for 25 years. Only the average payment base, (3000+6000). Then you should have 4500×8% (the proportion of individual contributions to old-age insurance) × 25× 12 months = 108000 yuan in your personal account over the past 25 years. In addition to the previous 1200 yuan, you can get108000 every month. In this way, from the age of 55, you can get at least 1200+900=2 100 yuan pension every month. Of course, the national base is still rising every year, so apart from your own annual 900 yuan, you will get more money every month after retirement than 1200 yuan, and your pension will certainly increase. Therefore, the more pension insurance you pay, the better. The more you pay, the more you will enjoy after retirement, and the more money the country will get after adjusting the base every year. It is possible to pay 1000 now and get 1500 ten years later. However, no matter where you pay the social security fee, when you retire, you can only go back to your registered permanent residence and enjoy the local retirement benefits. Therefore, people who pay social security in places with high base but enjoy pensions in places with low base will suffer great losses. Why do you say that? If you worked in Nanjing when you were young, you paid social security for 20 years and then retired, but if your hukou is in Heilongjiang, you have to go back to Heilongjiang to enjoy the pension. If you have paid in Nanjing for 20 years, with an average base of 3,000, and the base of payment in Heilongjiang is only 1000 when you retire, then you can only enjoy the treatment of 1000 when you retire! This is a loss! In short, if you pay social security in a rich place and retire to a poor place to enjoy social security, you will pay a lot but enjoy very little in your life! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is nothing we can do. This is a national policy. So please pay attention to social security for all places with low base but high base, such as Beijing or Shanghai. Either you pay social security in the west, or you move your account to Beijing or Shanghai before you retire, otherwise you will be doing a huge loss-making business in your life. Maybe you will say that if you pay in a place with a low base, you will return to a place with a high base to enjoy high benefits when you retire. No! Do you think the labor and social security departments just let you enjoy it? Under normal circumstances, the government will find a reason to directly refuse your transfer! You will be smarter than you at that time: Heilongjiang can't enjoy it, and Nanjing can't enjoy it! But some places have some loose regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay in Nanjing for five years with a high base, and then allow you to return to Nanjing to enjoy a pension. This policy is estimated to vary from place to place. It's best to go to your local labor bureau to find out about this problem now, so as to avoid accidents when you retire!

medical insurance

The unit pays you 9% per month, and your personal monthly payment is about 2% plus 10 yuan's serious illness coordination. Co-ordination of serious illness is only hospitalization, and the state will put your own 2% into your medical insurance account every month in that 1 1%. If you pay social security according to the minimum base 1369 yuan every month, then 6543. It is the money that the country calls you personally every month. The money can be accumulated and directly used to buy medicine or see an outpatient clinic. The remaining 9% countries will take it to the medical pooling fund. According to the regulations, those who began to pay medical insurance on June 5438+ 10, 2008, will pay for medicine or see an outpatient clinic by swiping their cards from February, 2008, and the hospitalization expenses will be reimbursed from July, 2008. If you were hospitalized in August 2008 1 and lived in the best tertiary hospital in Nanjing, all the drugs used during hospitalization were within the scope of medical insurance, and the expenses for surgery and hospitalization were 5,000 yuan, then the medical insurance center will deduct 1 1,000 yuan when reimbursing, which is the starting price, and the remaining 4,000 yuan can be reimbursed 4,000 yuan. As long as you personally pay 4000× 14%=560 yuan, plus the previous starting price of 1000 yuan, you only need to pay 1560 yuan for 5000 yuan, and this 1560 yuan can be deducted from your medical insurance card (if you don't use that card very much at ordinary times). Medical insurance is much more important to us young people than old-age insurance. After all, seeing a doctor and being hospitalized is too expensive, which is also the significance of participating in social insurance. However, Nanjing stipulates that after retirement, you must pay 25 years of medical insurance to enjoy it for life, so if you retire at the age of 55, you must start paying medical insurance at the latest at the age of 30.

employment injury insurance

I don't use it much. I need to remind you that this insurance will be used if something happens at work or when I go to work. However, in practice, many people do not pay attention to the preservation of evidence, resulting in their inability to enjoy work-related injury insurance, which is a pity. If you get hit by a car after work, you should call the police immediately and let the police investigate the records and take photos to collect evidence. The police will give you an accident appraisal certificate after handling it, and you can take it to the unit to ask for a work-related injury report. If something happens to you, you just let people get away. You didn't call a witness or call the police. Generally, it won't be recognized as a work-related injury, and there is no evidence. There is also a time limit for work-related injuries. If you have a work-related injury on July 1 2008, you must report it to the unit immediately, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of your medical treatment or hospitalization after the work-related injury to the unit, and ask the unit to take these materials for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August, 2008 1. If it is more than one month from the date of your work injury, if your company does not give you an appraisal, you can take the materials to the appraisal center for appraisal, preferably not more than one month, otherwise it will be very troublesome.

Maternity insurance,

Nanjing has implemented the new policy since June 2008 1. First, the proportion of reimbursement has increased; Second, when building a card, you must show your marriage certificate, medical insurance card and other relevant documents. All expenses will be settled with the medical insurance center in real time from the beginning of card establishment to the end of giving birth to your child. Individuals only need to bear the cost of maternity insurance. As for how to issue maternity allowance, it may still need to be handled by the unit. Please consult the labor and social security department for details. Look at the old policy again, because it was July, and the New Deal stipulated that cards should be built before June. Maybe some comrades still need to know. For example, if you are a girl, your monthly salary is 1 0,000 yuan, and you started to pay maternity insurance in June 2008 1, and the payment base is 1 369, but you were pregnant in March 2008, and at the end of June 2008, it was 65,438+2, and in 2009, it was 65,438. Then after you leave the hospital, you should quickly submit all the materials such as marriage certificate (unmarried children can't be reimbursed)+one-child certificate (generally speaking, two children can't be reimbursed)+medical records+all invoices for building a large and small card check and hospitalization surgery fees+hospitalization list+discharge summary to the company. If the pregnancy test costs 500 yuan when giving birth to a child, and the hospitalization expenses and operation expenses cost 2000 yuan, generally speaking, within the scope of medical insurance, the company can basically reimburse you. The money given to you after reimbursement includes: 500 examination fee +2000 hospitalization operation fee+65,438 yuan +0.369 yuan/month ×4 months = 7,976 yuan, 65,438 yuan +0.369 yuan/month × 4 months, and the medical insurance center specially subsidizes the girls who are reimbursed. Only girls can get the average salary of 4 months when maternity insurance is reimbursed, so you can earn 4 months' salary without spending money! If your basic salary is higher than your salary, for example, 1000 yuan is 1369, then you still make money. Maternity insurance must be paid for one year to enjoy, remember to remember. In addition, there is another problem. Boys also pay maternity insurance. Can they enjoy maternity insurance? If you are a boy, your wife doesn't have a job or the work unit doesn't have insurance, and you have paid maternity insurance for more than one year when she gave birth, then you can also reimburse maternity insurance, but in the last example, you can only reimburse 500 inspection fee+half of 2000 hospitalization fee = 1250 yuan, and the subsidy is 1369 yuan/month ×4 months. This is for girls to enjoy when they are reimbursed. For the same expenses, girls can get 7976 yuan reimbursement, while boys can only get 1250 yuan reimbursement, which is probably a rare policy of "discriminating against men" in China. Therefore, it is best for girls to make plans before giving birth and start looking for a company to pay maternity insurance one year in advance, so that they can make money! If a boy wants to marry a wife, he'd better marry a girl who paid maternity insurance for one year when she gave birth, and her salary is higher than her own! But it doesn't matter if she really doesn't have insurance, you can also reimburse her for maternity insurance, but you won't get the subsidized four-month salary, and you can only get back half of the newspaper's expenses.

Unemployment insurance,

You have to pay for a year to enjoy it. Generally 1 year can take two months, two years can take four months, but a lifetime can take up to 24 months. The monthly standard of unemployment insurance in Nanjing is 60 1 yuan, and the minimum standard in urban area is 5 18 yuan. If you started to pay insurance on June 5438+1 October 20081and were dismissed by the company on June 5438+1October 2009, you can ask the company to give you unemployment insurance for two months. If you paid insurance based on 1369 this year, you can get at least 1000 yuan in two months, or you started to pay insurance on 1 in June 2008, and your contract with the company expired on 1 in June 2009. If you don't want to renew your contract, you can also ask the company to provide you with unemployment insurance for two months and then leave your job, which is also more than 800 yuan. In other words, when the contract expires or the company dismisses, you can ask the company to pay you unemployment benefits in proportion to two months a year. If the company doesn't help you, you can sue. However, if you resign before the expiration of the contract, even if you have paid 1 year, you will not enjoy unemployment insurance. As long as you resign, don't pay 1 year. Even if you pay1year unemployment insurance, you won't get a penny until you resign.

Housing accumulation fund,

If you pay 300 yuan into the provident fund every month, the company will also pay 300 yuan into your account every month. When you buy a house, it will be 600 yuan. If you pay 50,000 yuan in your life, you will have 65,438+10,000 yuan in your account. Don't refuse such a good thing. Provident funds can be used to buy a house, repay loans, decorate and so on. If your family can find a place to build a house, the money for building a house can also come from the provident fund. If you don't use the money all the time, it seems that you can withdraw all the money when you finally retire.

What should I do if I resign with five insurances and one gold?

Five risks: pension, unemployment and work injury, medical care and maternity.

One gold: provident fund

Payment standard: pension (unit 20%, individual 8%)

Birth (unit salary)

Work-related injury (paid by the unit instead of the individual)

Medical treatment (unit 10%, individual 2%* base +3)

Unemployed unit 1.5% individual 0.5%)

Provident fund (highest 12% this year, highest 10% last year, half for units and half for individuals).

1. The endowment insurance can be interrupted, and it doesn't matter if it is interrupted halfway. Finally, the cumulative number of years, but the more you pay, the more your pension will be. Go through the transfer formalities: just print the transfer form in the old unit and hand it over to the new unit to continue.

Although unemployment insurance must be paid, it has little to do with us (if you graduated from school and belong to the cadre status, the file can store talents). It doesn't matter if you are unemployed, and we can't get unemployment benefits unless we are crazy and change our cadre status to worker status, and then retire and get a pension according to the treatment of workers. Unemployment insurance can only be applied for by unemployed people registered in the street (files of workers' identity are placed in the street, and cadres' identity is placed in talents or units).

Go through the transfer formalities: you don't need to go through it, just go to the new unit to continue.

3. Medical insurance is more important. The interruption of more than three months is invalid. See a doctor in three months, and you'll have to pay for it yourself. It doesn't matter if you have a minor illness. If you are seriously ill, you will be in great pain. If you are interrupted for more than three months, you will have to go to a new unit again.

Everyone who goes to medical insurance has a passbook, which can be used for life. No matter whether the company changes or not, the company will deposit a certain percentage of money into the passbook every month, and individuals can withdraw it at any time. It doesn't work.

Everyone who goes to medical insurance has a blueprint, which is a medical book. According to medical regulations, only outpatient expenses above 2000 yuan can be reimbursed. For example, if you spend 2,500 yuan, only 50%-70% will be reimbursed in 500 yuan (different hospitals have different reimbursement rates). If you are hospitalized, you should tell the hospital to make a medical insurance bill and bring it with you when you are hospitalized.

4. The provident fund unit will deposit the money given to you and your own money into your provident fund account. For example, if the salary is 3,000 yuan, the unit will give you 300 yuan, and you will deduct 300 yuan yourself, then your monthly provident fund account should have 600 yuan, and you can only withdraw it once a year. If you want to go to the provident fund center, you need to buy a house or repair it. You can take it yourself or entrust the unit to take it.

Transfer procedures: first open an account in the new unit, give the account number to the old unit, and let the old unit transfer the money from the original account number to the new account number.

Every June, the Provident Fund Center will send each employee's statement to the unit, showing the current money in your account.

In addition, April is the time to adjust the pension, unemployment and medical base for the next year.

June is the time to adjust the provident fund for the next year.

Now let's talk about some irregularities in the market.

1. Many companies do not provide insurance and provident fund according to their own wages. For example, according to the average salary in Beijing, individuals will suffer. So ask when you are looking for a job.

2. Now many talents stipulate that old-age unemployment and serious illness should be tied together, either not at all or together, and files must be given to talents. If an individual is a talent, he has to pay both the company's money and his own money, which is quite large. It is said that according to the minimum living standard, he has to pay 1000 yuan a month, and there is not much money in his personal account. It is suggested that young people who are in good health are only temporarily unemployed and do not have to pay themselves.

The rich can skip the old-age insurance, and the poor can live a better life, hoping to have some money to support the elderly. Some people say that there is, but the state still guarantees old-age care, which will be improved according to the economic situation.

4. It is wrong for some units to refuse to submit files because they are not in their own units, because files are not linked with insurance.

5. The same is true for foreign hukou. Insurance accumulation fund should be given, which has nothing to do with hukou. If you go to other cities in the future, you can transfer.

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