Shenzhen five insurance minimum standard

1, the minimum amount of pension insurance contributions: unit: 286 yuan; individual 176 yuan.

2, medical insurance minimum contribution amount: unit: 346.27 yuan; individual 111.7 yuan.

3. Unemployment insurance minimum contribution amount: unit: 15.4 yuan; individual 6.6 yuan.

4. Maternity insurance minimum contribution amount: unit: 9.9 yuan.

5. Workers' compensation insurance is determined according to the industry.

6. Minimum contribution amount for housing fund: unit: 110 yuan; individual: 110 yuan.

Shenzhen five insurance and one gold broken what is the impact

(a) According to the relevant provisions of the state, the insured person left the original unit, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and Jia housing provident fund by the original unit to handle the suspension of the old-age insurance will automatically be transferred to the individual contribution status. Individuals can pay pension and medical insurance.

1, pension insurance, can be interrupted, can be renewed in the future, do not have to make up payments. Pension and payment time and payment base related, and is a positive relationship, such as pension insurance interrupted for 2 years, then when you retire, the insurance is the amount of 2 years before retirement.

2, medical insurance, the interruption of payment of more than 60 days, you must re-enroll in the insurance for half a year before enjoying reimbursement treatment.

What is the role of the five insurance and one gold

1, the more the individual contributes, the more the unit puts in for you. Five insurance and gold contributions are the same base unit and individuals bear different proportions, the unit contribution is about two times the individual contribution.

2, the social security fund contributions are tax-free, not only to pay no personal income tax, treatment to receive no personal income tax, and the special account is not deducted interest tax; and if the salary as a payroll to me, is the need to withhold personal income tax, deposited in the bank, there will be interest tax.

3, the payment of pension insurance to meet the minimum number of years, after reaching the legal retirement age, you can apply for retirement monthly pension. Pension can be received until death, and with the improvement of the standard of living of society and "only increase", will be adjusted every year to increase the capital, can make the old age to get stable and reliable protection.

4, pay medical insurance can get medical insurance reimbursement; if the accumulated in-service contributions to meet the minimum number of years, after retirement can not continue to pay the basic medical fees and can enjoy higher than the level of reimbursement of in-service health insurance treatment.

5, maternity insurance can be reimbursed for prenatal checkups, family planning surgery and childbirth surgery. Moreover, maternity insurance premiums are fully borne by the organization.

6, pay unemployment insurance can get unemployment insurance benefits and other subsidies in case of unemployment. Unemployment insurance is a policy-based insurance, which is usually not available in commercial insurance companies.

7, pay work injury insurance can be in the encounter of industrial accidents or occupational disease compensation, not afraid of 10,000, just be afraid of the eventuality, especially some of the major accidents, do not have to worry about small companies to delay payment of treatment. Moreover, the premiums for work injury insurance are fully borne by the organization.

8, the payment of housing fund is equivalent to the unit with you in the same proportion to deposit a tax-free income, can be withdrawn for housing-related purposes, if not used up in the workplace, can also be a one-time take out of the retirement; in addition, housing fund loan interest rates are lower than commercial loans.

9, after the implementation of the united accounts combined pension insurance contribution system, the actual years of social insurance contributions has become the most convincing proof of the number of years of service in the enterprise. There are more and more times when you need to use the social security contribution certificate, such as proving the social work experience to confirm the number of days of paid annual leave, such as real estate control when the loan needs to be in the local social security contributions for more than a year, and so on.

10, do not worry too much about inflation or currency depreciation and so on, because the pension entitlement issued by the two parts, personal account pensions are formed entirely by individual contributions, which will be the same as bank deposits, there is a risk of inflation; but the part of the basic pension and the local average social wage, the average wage indexed by the individual linked to its own anti-inflationary; and after the retirement also will be with the local economic level of annual increments.

The more you contribute and the longer you contribute, the higher the level of your pension benefits after retirement.

Legal basis

Shenzhen Housing Provident Fund Management Center on the work of adjusting the contribution base and contribution ratio of housing provident fund in 2022

I. Adjustment content

(1) Contribution base

1. Adjustment of the contribution base of the unit employees

From July 1, 2022, each housing Provident Fund contribution units (hereinafter referred to as units) shall adjust and implement the adjusted contribution base of the Housing Provident Fund, and the contribution base shall be the average monthly salary of individual employees in 2021.

The adjusted contribution base for employees who have taken up employment in the unit before January 1, 2022 shall not be lower than the monthly minimum wage standard of RMB 2,200 in the city in the previous year, and the contribution base for employees who have newly joined the workforce and transferred to the unit after January 1, 2022 shall not be lower than the monthly minimum wage standard of RMB 2,360 in the city in the year 2022.

The adjusted contribution base shall not be more than three times of the average monthly salary of the city's on-duty employees for the year 2021 published by the city's statistics department, i.e., not more than 38,892 yuan (12,964 yuan of the city's average monthly salary of the city's on-duty employees for the year 2021 × three times). If the average monthly salary of the employees (divided equally on a monthly basis if the annual salary system is implemented) does not exceed the above limit, the actual average monthly salary shall be used as the contribution base; if it exceeds the above limit, the limit shall be used as the contribution base.

2. Adjustment of Contribution Base for Flexibly Employed Persons

From July 1, 2022 onwards, flexibly employed persons may adjust the contribution base of the Housing Provident Fund in accordance with the voluntary contribution agreement. The adjusted contribution base shall not be lower than the monthly minimum wage standard of RMB 2,200 of the city in the previous year, and the adjusted contribution base shall not exceed three times the average monthly wage of the city's on-the-job employees in 2021 published by the city's statistics department, i.e., not more than RMB 38,892 (RMB 12,964 x three times the average monthly wage of the city's on-the-job employees in 2021).

(2) Contribution Ratio

1. Adjustment of Unit's Contribution Ratio

The lower limit of the contribution ratio of housing provident fund for the unit and the employee is 5% each, and the upper limit is 12% each. Units can choose the appropriate contribution ratio within the prescribed lower and upper limits according to their actual situation.

2. Adjustment of contribution ratio for flexibly employed persons

Flexibly employed persons can adjust the contribution ratio of the housing fund in accordance with the voluntary contribution agreement, and the adjusted contribution ratio shall not be less than 10% and not more than 24%.

The Social Insurance Law of the People's Republic of China

Article 58 An employer shall, within thirty days from the date of employment, apply to a social insurance agency for social insurance registration for its employees. If the employer fails to register for social insurance, the social insurance administration organization shall approve the social insurance premiums to be paid by the employer.

Individual industrial and commercial households without employees who voluntarily participate in social insurance, part-time workers who do not participate in social insurance with their employers, and other flexibly employed persons shall apply for social insurance registration with the social insurance administrative organization.

The Law of the People's Republic of China on Social Insurance (2018):

Article 2: The State establishes a social insurance system for basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and other social insurance systems, and guarantees the right of citizens to obtain material assistance from the State and society in accordance with the law in the event of old age, illness, industrial injury, unemployment and childbirth.

Article 6: The State shall exercise strict supervision over social insurance funds. The State Council and the people's governments of provinces, autonomous regions and municipalities directly under the Central Government establish and improve the system of supervision and administration of social insurance funds, and ensure the safe and effective operation of social insurance funds. The people's governments at or above the county level take measures to encourage and support the participation of all sectors of society in the supervision of social insurance funds.