How much does a person pay for social security in Hefei in a month

In order for everyone to realize and understand their own rights and interests so as to better protect themselves

First of all, you should realize that social insurance is a better insurance than commercial insurance, the reasons are as follows :

1. Social insurance is the state does not carry out the welfare of the whole country to protect the cause of the profit, while commercial insurance is to make a profit, in general, the charges of commercial insurance is higher than the social insurance of the same size. In accordance with the basic salary of employees for social security base adjustment, and adjust the proportion is also very high, generally higher than 10% per year, that is to say, the more you get the higher the money, the biggest advantage of doing so is that you can eliminate the impact of inflation to a relatively small amount of commercial insurance even if you will also adjust the return, but the overall will not be more than the social insurance rose fast said

In a word, now not participate in social insurance

In a word, if you are not covered by the social insurance, please join the social insurance as soon as possible, and if you are covered by the commercial insurance but not the social insurance, please join the social insurance as soon as possible

So, how does the social insurance work?

Now students out to find a job will often hear the unit to pay three or five insurance a gold, yes, that is to say that the unit is willing to pay for your social insurance, but according to the state regulations unit to pay a part of the same time you have to pay a part of the individual, which involves the composition of the composition of the social insurance and composition of the proportion of the problem, for which each province and city have their own standards so they are not the same, but the general is not much different, but it is the same, but it is the same. The general is not too much difference, in my city of Nanjing as an example :

Social insurance = pension insurance + medical insurance + unemployment insurance + industrial injury insurance + maternity insurance + housing fund

( Note: the above five insurance may be different in various areas of practice, your unit may not be the five insurance for you to pay all the money, for example, Nanjing, some units do not pay the workers

( Note: the above five insurance may vary in various areas of practice, your unit may not be all five insurance for you to pay, such as some units of the Nanjing medical insurance and only pay the rest of the four insurance, some units do not pay the provident fund and only pay five insurance, so you must find out what your unit in the end to you to pay what insurance and whether to pay the provident fund !)

Specific social security composition ratio is :

Pension insurance: unit each month for you to pay 21%, you pay 8%;

Medical insurance: unit each month for you to pay 9%, you pay 2% plus 10 yuan of the general medical co-ordination (general medical co-ordination of the hospitalization of the piece );

Unemployment insurance: unit each month for you to pay 2%, you pay 1%

Unemployment insurance: the unit pays 2% for you every month, you pay 1%;

Worker's compensation insurance: the unit pays 0.5% for you every month, you don't have to pay a penny;

Maternity insurance: the unit pays 0.8% for you every month, you don't have to pay a penny;

Housing provident fund: the unit pays 8% for you every month, you pay 8% yourself;

Above all, so that it comes to a conclusion.

Housing Provident Fund: the unit pays 8% for you every month, you pay 8%

Above that, so it works out that the proportion of social security paid by the unit for you every month should be 21% + 9% + 2% + 0.5% + 0.8% + 8% = 41.3%

The proportion of social security paid by yourself every month should be 8% + 2% + 10 yuan + 1% + 8% = 19% + 10 yuan

Temporarily, the 10 yuan paid by you will not be talked about, the proportion of the unit's contribution and the proportion paid by you should be 413:19%. should be 413:190, which means that if you pay 190 dollars for your social security every month, then the unit will be your social security account into 413 dollars, every month your social security account on the increase of money should be 413 + 190 = 603 dollars

So that in the case you can not see, the unit to pay for social security costs is actually two times more than your so you Every month when you pay the social security fee don't heartache ah ~ you have to know the unit than you pay a lot more than it, the heartache is actually the unit - - +

Yeah, ah ~ words back to that three insurance a gold and five insurance a gold, and here we should have seen, in fact, what the jianghu said on the three insurance a gold is completely equal to the five insurance a gold, just three insurance a gold is from the insurance that you personally pay (pension + medical + unemployment + provident fund). Provident Fund), five insurance a gold from your unit to pay the insurance (old age + medical + unemployment + industrial injury + maternity + provident fund) to say. The three insurance and one gold said five insurance and one gold in fact just say it sounds good ~

In addition to the unit can pay for your social security, in fact, no work but have income students or have a unit but the unit does not pay social security students can also pay for their own social security, but the individual can only pay the pension insurance + medical insurance, work injury ah maternity ah unemployed ah provident fund ah you can not pay up

The above introduction of the composition and composition of the proportion of social security, the composition and composition of the proportion of social security, the proportion of social security, the proportion of social security, the proportion of social security, the proportion of social security and the proportion of social security.

The composition of the social security and the composition of the ratio, the following should be introduced to what is the social insurance payment base

Just now the students have learned that the ratio of social security paid by the unit and the ratio of your monthly payment is almost 413:190, then now there is another problem: their monthly social security premiums and what is the relationship between this ratio, social security premiums in the end is how to determine it?

You may not have noticed, each province and city will be released in early July each year, a " social insurance minimum payment base ", this base is based on the previous year's average salary + benefits + a variety of subsidies and other miscellaneous costs after statistics and calculations after the determination of the Nanjing this year, the minimum base announced in July was 1189 yuan, this is what it means, meaning that Nanjing as long as the formal social security units for employees, each month for each employee to pay a minimum of 1189 × 41.3% = 491 yuan, and employees each month to pay a minimum of 1189 × 19% + 10 = 236 yuan, so that you and the unit should be paid monthly social security premiums came out

But now there is a new But now there is a new problem, the wages of Nanjing workers are very different, some people get 1,000 a month, some people get 10,000 a month, do you want to ask those who get 1,000 and those who get 10,000 to pay the same social security premiums?

Please note that this 1189 is the lowest base, in 1189 above the highest base, Nanjing this year's highest base seems to be more than 8,000, I have forgotten, anyway, if your salary every month in 1189 yuan below, the unit must be in accordance with the 1189 yuan for you to pay 1189 × 41.3% = 491 yuan, and your own every month at least 1189 × 19% + 10 = 236 yuan, and you pay 1189 × 19% + 10 = 236 yuan. 19% + 10 = 236 yuan, this is 1189 as the minimum social security contribution base of the significance of it: even if you get 1000 or 800 yuan a month, you must pay the minimum monthly in accordance with the 1189!

But if your salary is higher than 1189, for example, you get 3,000 a month, then the unit to the labor bureau to pay your insurance (your unit and you pay the social security fees are deducted by the labor bureau Oh ~) should be to the labor bureau to say: " ah ah ah, we have a comrade here to get 3,000 a month, according to 3,000 yuan of the standard to be deducted! Please deduct his social security contributions at the rate of 3,000 dollars." Then the labor bureau will pay 3000 for the base to deduct your unit and your money and then hit your social security account, your unit should pay 3000 × 41.3% = 1239 yuan per month, and you should pay 3000 × 19% +10 = 580 yuan per month

That is to say, if your salary in the 1,189 yuan below, then each month you will be According to 1189 yuan; If your salary is more than 1189 yuan, then every month you pay according to your actual salary, unless your salary is higher than the maximum base figure, if you take 10000 a month and the maximum base figure is 8000 then, you and your unit are according to the 8000 payment

Here to expose the shameless practice of some companies, these companies may give you several thousands of dollars a month, but they will not give you the money you need. Thousands of wages, but they go to the labor bureau to declare your base does not follow your actual salary to report, such as if you take 3000 yuan per month, they go to the labor bureau may say you only take 1189 yuan, and then the labor bureau only deducted 1189 × 19% + 10 = 236 yuan per month, you are afraid that you are also very happy because you feel that deductions of your money is less, you actually get your hands on more money

What's wrong with the way you are doing? p>

Wrong! If so, your company is shameless! Because the company's contribution is more than two times your money, so the less you pay, the less they pay! If your actual salary of 3,000 to calculate, they should pay you 3000 × 41.3% = 1239 yuan of social security premiums per month, and in accordance with the 1,189 to calculate, they only pay 1,189 × 41.3% = 491 yuan per month for you! So you're actually at a huge disadvantage! The regular company will only according to your actual salary to the labor bureau to declare and deduct money! Only those underhanded companies will pay you the minimum regardless of how much your salary is! Don't think that the less you have to pay each month, the better! You may have been shamelessly bullied by the company and you are still totally unaware of it !!!!

To determine the unit for you in the end to pay the base is how much is very simple: if you deduct 300 dollars a month of social security, then your base is almost 300 ÷ 19% ≈ 1578 yuan, you look at your salary is not this number, if your salary is significantly higher than 1578, for example, every month, you actually get 3,000 or 4,000, then certainly you have been bullied by the company to the company, was bullied. After the bullying you can go to the local labor inspection brigade to sue your unit, generally a quasi, but it is best to leave the evidence (such as pay stubs, etc.) to find a good and then sued, or you sued after the company generally do not mix - - +

To once again explain is that the composition of social security ratios of the various localities are not the same, if you're not in Nanjing, then the percentage of your contribution is probably not 19%, but certainly not too much, but the difference is not too much. But it's certainly not too much different, for example, your base may be 20% or 22%, but definitely not 30% or 40%! So although 19% is the proportion of Nanjing, but foreign students can rely on this roughly calculate their own base

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En, now you know how much you should pay monthly social security premiums, but these social security premiums are specifically What is the situation and how to use it?

It has already been said, social insurance = pension insurance + medical insurance + work injury insurance + maternity insurance + unemployment insurance + housing fund

First of all, the pension insurance

This insurance generally have to pay the full 15 years to the retirement time to enjoy the pension, so want to get the pension of the students make sure that in their own 15 years before retirement to start before the start of the pension, so the students will not be able to get the pension.

If you pay the pension insurance less than 15 years to the retirement age, then when you retire, the state will return all the 8% of the pension deposited in your personal account to you

Then you will ask, where did the 21% that the unit paid to you go?

This you do not expect the state will give you, you retire to your personal money away, the state will unit for you to pay 21% of the money all the money to the national pension fund, from this money and you no longer have anything to do

You may say: Holy shit!

Because the state is so stipulated - - +

Returning the money is only returned to the individual he deducted the money paid by the individual, the unit for him to pay all the money for the country to do - - +

Let's look at the time of your retirement pension is how to calculate

The algorithm of the pension is very complicated because the state each year will be the base of the contributions, the state will be the first time that you have to pay a contribution to the fund, and then you will be able to pay it. The state will change the contribution base once a year, for example: if you are now 30 years old, you are now the contribution base is 3,000 yuan, and the retirement age if 55 years old, then you have to start paying the pension insurance before you are 40 years old, and if you are now from the age of 30 years old to pay, pay to 55 years old is 25 years, then first of all, sure that you can enjoy the pension, and secondly, if 25 years after you paid 3,000 yuan of the contribution base has become 6,000 yuan (I said if), then you are 55 years old, first of all, you can get 6,000 × 20% = 1,200 yuan per month of the basic pension, which is the state to you, in addition to your personal account money in the 25 years has accumulated a lot of contributions to the base of the average of the good, (3,000 + 6,000) ÷ 2 = 4500 , then you should have 4500 × 8% ( you pay the individual proportion of pension insurance ) × 25 years × 12 months = 108,000 yuan, then in addition to the previous 1200 yuan you can get every month 108,000 ÷ 120 = 900 yuan, so you 55 years old, you can get at least 1200 + 900 = 2,100 yuan per month. pension, of course, every year the state base is still rising, so that every year, in addition to your own 900 yuan, you will get more than 1200 yuan per month after retirement, that your pension will of course more and more

So the more you pay for pension insurance, the better, the more you pay the more you will enjoy more after retirement, but also, the state adjusts the base every year, you will get more and more money, now pay 1000 yuan to pay for pension insurance.

Here to introduce a ** policy, that is, no matter where you pay social security premiums, when you retire you can only go back to your hukou to enjoy the local retirement treatment, so look at the base of a high place to pay social security but retire back to the base of a low place to enjoy the pension of the people that is a big loss, why is that so? Why do you say that? Let me give you an example, if you work in Nanjing when you are young, paid 20 years of social security and then retired, but if your hukou in Heilongjiang, then you must go back to Heilongjiang to enjoy the pension. If you have paid for 20 years in Nanjing with an average base of 3000 (I'm talking about if), and when you retire the contribution base in Heilongjiang is only 1000 (I'm talking about if), then you can only enjoy 1000 when you retire! This is a big loss! In a word, if you pay social security in a rich place but retire to a poor place to enjoy social security, then you pay a lot of life but enjoy very little! If you pay 3,000 dollars, you may only get 1,000 dollars! This is a very scary thing, but there is no way, the country is this policy, so please all the current account in the west and other base places but in Beijing or Shanghai and other base places to work to pay social security students pay attention to, you either in the west to pay social security, or in the retirement of the account before moving to Beijing or Shanghai, or else you are doing life a huge loss of money

Then perhaps you will say Wrong! You think the Nanjing Labor Bureau will just let you enjoy it?! Usually in this case Nanjing will find a reason to refuse to transfer you! Then you'll be smart: you can't enjoy it in Heilongjiang, and you can't enjoy it in Nanjing!

But some places have some easing of such a situation, such as Nanjing allows you to retire before 5 years from the base of the low places to transfer back to Nanjing, and then continue to pay 5 years in Nanjing, Nanjing's high base, and then it allows you to return to Nanjing to enjoy the pension. This policy is not the same in all places, and it is best to go to your local labor office now to clarify this issue so that you don't have any unexpected surprises when you retire!

The following medical insurance

This insurance national policy is quite good, the important thing is that the hospitalization reimbursement of a lot

Previously said that the unit of monthly medical insurance to you to pay for 9%, you personally pay for monthly medical insurance is about 2% plus 10 yuan of the general medical co-ordination, the general medical co-ordination does not care about other things only care about your hospitalization, and that 11% of the state will be to the monthly medical insurance account to play a part of your account. The 11% of the state every month to your health insurance account to play your own 2%, if you pay the minimum monthly base of 1189 yuan social security, then 1189 × 2% = 23.78 yuan is the state every month to your personal money, this money you can accumulate directly to the credit card to buy drugs or outpatient clinic, the rest of the 9% of the state will be taken to calculate the health care fund

According to the provisions of the Nanjing, if you are not able to pay the medical insurance, you should pay the medical insurance premium. You start to pay medical insurance in January 2007, then from February 2007 you can buy drugs or outpatient clinic, from July 2007 you can be reimbursed for hospitalization costs, the report is quite complex, for example, said :

If you were hospitalized in August 1, 2007, stayed in the best third-class hospitals in Nanjing, hospitalization are covered by the health insurance The medicine, surgery + hospitalization and other costs a *** spent 5,000 yuan, then the reimbursement of the health insurance center first deducted 1,000 yuan, which is the starting price, the remaining 4,000 yuan health insurance center can be reimbursed 4,000 × 86% = 3,440 yuan, you only have to pay 4,000 × 14% = 560 yuan can be, plus the previous 1,000 yuan starting price, you spent 5,000 yuan of your own You only need to pay 1560 yuan, and this 1560 yuan can also be deducted from your health insurance card (if you usually do not use the card), so in fact, you can not spend a lot of money on hospitalization

Medical insurance for our young people is much more important than the pension insurance, after all, hospitalization is really too damn expensive, which is the most important significance of participating in the social insurance of

But Nanjing City requires that medical insurance must be paid to the hospital, but the hospital is the most important significance of participating in the social insurance

The medical insurance is the most important significance of participating in the social insurance of the hospital.

But in practice, many people do not pay attention to save evidence, resulting in their own inability to enjoy the workers' compensation insurance, which is very unfortunate

If you are off-duty when you were hit by a car, you should quickly call the police to investigate the record and take pictures of the evidence, the police will give you an accident after the processing of the appraisal of what you can take this to the unit to ask for a report of work-related injuries.

If you have an accident and just let people run away and do not look for witnesses and do not report to the police or anything else, then there is no evidence of the case will not generally be adopted as a work injury

There is also a statute of limitations for work injuries, if you are out of the work injury on July 1, 2007, you must immediately report to the unit to the police evidence and the accident identification certificate as well as you out of the work injury after visiting the hospital or hospitalization, you will be able to get a copy of the accident identification certificate, and then you can report it to the police. After the injury to see a doctor or hospitalized medical records to the unit, so that the unit to take these materials to do the work injury identification, your unit must be in August 1, 2007 before your valid materials to the work injury identification center, if the day of the injury more than one month from the day of your work injury, the injury may not be identified up. If your unit does not give you appraisal, then you can take the material to the appraisal center appraisal, it is best not to exceed one month, otherwise it will be very troublesome and troublesome

The following maternity insurance

Ah, this is also an example of a good, if you are a woman, the monthly salary of 1,000 yuan, January 1, 2007 to pay the birth of the insurance, the basis for the payment of contributions for 1189, and you March 2007 to pay the maternity insurance, and you will be able to pay the maternity insurance, and you have to pay the maternity insurance. And you are pregnant in March 2007, at the end of December 2007 gave birth to a child, in January 2008 discharged from the hospital, then you are discharged from the hospital to quickly after the marriage certificate (not reimbursed for children born out of wedlock) + only child certificate (generally speaking, the reimbursement of the birth of two children can not be) + medical records + build a large and small card examination and hospitalization and surgical costs of all the invoices + hospitalization lists + hospitalization summary of these all the materials submitted to the company, if you When pregnant check spent 500 yuan, when giving birth to a child hospitalization + surgery spent 2,000 yuan, in general, the company in the scope of the health insurance regulations can basically give you all the reimbursement, reimbursement of the money to you include: 500 yuan check + 2,000 hospitalization and surgery + 1189 yuan / month × 4 months = 7256 yuan, 1189 yuan / month × 4 months which is the health insurance center especially for the reimbursement of the The girl's subsidy, only the girl's reimbursement can get

The state regulation of the girl's reimbursement of maternity insurance must be given to the average salary of 4 months, so you give birth to a child reimbursement not only do not spend money but also can earn 4 months of salary!

If you pay more than your salary, for example, if you pay 1,000 yuan for 1,189 yuan, then you have earned it

Maternity insurance must be paid for at least one year before you can enjoy it, remember to remember

And there is also the question of whether the male students are also paying maternity insurance, so the male students can not be eligible for maternity insurance?

If you are a man, your wife did not work or work unit did not pay insurance, and she gave birth to a child when you pay maternity insurance has been more than a year, then you can reimbursement of maternity insurance, oh, but in the case of the previous example, you can only reimbursement of 500 yuan examination fees + 2000 yuan hospitalization half of the surgical fee = 1250 yuan, subsidies for the 1,189 yuan / month × 4 months' salary you You won't be able to enjoy it! This is only when the girl reimbursement can enjoy Oh ~

The same cost, the girl reimbursement can get 7256 yuan, the boy reimbursement can only get 1250 yuan, this is probably one of China's rare "discrimination against men" policy said - - +

So, the girl want to give birth to a child before it is best to plan! The first thing you need to do is to find a way to pay for maternity insurance a year in advance, so that you can earn money.

And if a man wants to marry a wife, it is best to marry a woman who has already paid a year's maternity insurance when she gave birth to a child, and the base of the payment is higher than her own salary! However, if she really does not have insurance is okay, you can also give her reimbursement of maternity insurance, but you do not subsidize the 4 months of salary to get, and the cost of the newspaper you can only get back half - - +

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Unemployment insurance, this is also to pay a year's salary, and the base of payment is higher than her own salary,hollister. This is also only available if you have paid for a full year, usually 2 months for 1 year, 4 months for 2 years, but up to 24 months for a lifetime. For example :

If you start to pay insurance on January 1, 2007, in January 2008 you were dismissed by the company, then you can let the company to get you 2 months of unemployment insurance, if the year you are to 1189 of the base of the payment of the insurance, then you can get at least 2 months more than 800 yuan

Or you start to pay insurance on January 1, 2007, January 2008 you and the contract with the company to pay the insurance. January 2008 you and the company's contract expires, you do not want to renew the contract then you can also leave the company before the company to give you to get 2 months of unemployment insurance, also more than 800 yuan

That is, the expiration of the contract or the company dismissed, you can be in accordance with the proportion of a year to get 2 months of unemployment benefits to ask the company to give you to do it, if the company does not give you to do it, you can go to the lawsuit it, a lawsuit!

But if your contract is not due to resign, then even if you pay a full year can not enjoy the unemployment insurance

As long as it is their own resignation, not to mention the payment of 1 year, is to pay for 10 years of unemployment insurance to the resignation of you can not get a penny - - +

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Ah ah, housing provident fund is a good thing ah ~

Said so, if you pay 200 dollars for the provident fund every month, then the company every month to your account to play 200 dollars, you buy a house when this is 400 dollars, if you pay 50,000 for the rest of your life, then your account is 100,000, this good thing we all know is that you can't get any money from your account.