How to pay social security or medical insurance and pension insurance for migrant workers in Anqing, Anhui Province

Pension insurance:

Generally, you have to pay 15 years, to the time of retirement in order to enjoy the pension for life, so want to take the pension people please be sure to start paying 15 years before their retirement. If the retirement age to pay the pension insurance less than 15 years, then wait until your retirement time the state will be your personal account on the deposit of 8% of the pension all back to you. Where did the 21% that the organization paid for you go? The state will transfer all the 21% paid by the organization to the national pension fund. The state stipulates that only the money deducted by the individual will be refunded to the individual, and all the money paid by the organization will be contributed to the state. How to calculate the pension at the time of retirement. The pension algorithm is very complicated, the state will change the contribution base once a year,: 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 must be in your 40 years old before you start to pay the pension insurance, and if you are now from the age of 30 years old to start to pay, to pay the age of 55 years old is 25 years, then first of all, sure that you can enjoy the pension, and secondly, if 25 years after you pay 3000 dollars of the contribution base has become 6000, then you are 55 years old, first of all, you can get 6000 × 20% = 1200 dollars a month of the basic pension, which is the state to you, in addition to your personal account money in 25 years has accumulated a lot of the contribution base averaged over the good, (3,000 + 6,000) ÷ 2 = 4,500, so you This 25 years on the personal account should have 4500 × 8% (you pay the proportion of the individual pension insurance) × 25 years × 12 months = 108,000 yuan, in addition to the previous 1,200 yuan, you can also get every month 108,000 ÷ 120 = 900 yuan, so that you are 55 years old, you can get at least 1200 + 900 = 2,100 yuan a month of pension, of course, every year! The base of the country 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 be more and more so that the more you pay for pension insurance, the better, the more you pay the more you enjoy after retirement, but also, the state adjusts the base every year, you will get more and more money after the payment of 1000 now ten years After that, it is possible to get 1500. However, 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, in the base of a high place to pay social security but retired back to the base of a low place to enjoy the pension of the people that would be a big loss. Why? If you work in Nanjing when you are young, paid 20 years of social security and then retired, but if your account in Heilongjiang, then you must go back to Heilongjiang to enjoy the pension. If you paid for 20 years in Nanjing with an average base of 3000, and when you retire the contribution base in Heilongjiang is only 1000, then you can only enjoy 1000 when you retire! That's a big loss! In a word, if you pay social security in rich places but retire back to poor places 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 base of low places but in Beijing or Shanghai and other base of high places to work to pay attention to social security, 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 in the deal. Maybe you will say, if you pay in the base of the low place, when you retire back to the base of the high place to enjoy high benefits. Wrong! Do you think the Labor and Social Security Department will just let you enjoy it? Usually, the government will find a reason to refuse your transfer! You'll be too smart for your own good: you won't be able to enjoy it in Heilongjiang, and you won't be able to enjoy it in Nanjing either! However, some places have some moderating provisions for such a situation, for example, Nanjing allows you to transfer back to Nanjing from a place with a low base for 5 years before retirement, and then continue to pay the high base in Nanjing for another 5 years, after which you are allowed to return to Nanjing to enjoy your pension. This policy is estimated to be different in various places, there is a plan to transfer the best now to your local labor bureau to clarify this issue, lest the retirement time to happen when you unexpected accidents!

Medical insurance

Unit monthly payment to you is 9%, your personal monthly payment is about 2% plus 10 yuan of the major medical co-ordination, the major medical co-ordination only hospitalization, and that 11% of the country every month to your medical account to play your own 2%, if you pay the minimum monthly basis of social security in accordance with the 1,369 yuan, then 1,369 x 2% = 27.38 Yuan. That is the country every month to your personal money, this money can be accumulated directly to the card to buy drugs or outpatient clinic, the remaining 9% of the country will be taken to the medical fund. According to the regulations, if you start to pay the medical insurance in January 2008, then from February 2008 you can use the card to buy medicines or go to the outpatient clinic, and from July 2008 you can be reimbursed for hospitalization expenses. If you were hospitalized on August 1, 2008, and stayed in the best tertiary hospital in Nanjing, and used medicines within the scope of medical insurance during your hospitalization, and spent 5000 RMB for surgery and hospitalization, then the medical insurance center will first deduct 1000 RMB for reimbursement, which is the starting price, and then reimburse 4000 RMB for reimbursement of 4000×86%=3440 RMB, and you only need to pay 4000×14%=560 RMB for reimbursement of hospitalization expenses. 4000 × 14% = 560 yuan can be, plus the previous 1,000 yuan starting price, you spent 5,000 yuan, you only need to pay 1,560 yuan can be, and this 1,560 yuan can also be deducted from your health insurance card (if you usually do not use the card), so in fact, you hospitalization does not cost a lot of money. Medical insurance is much more important to our young people than pension insurance, after all, hospitalization is too expensive, which is the significance of participating in social insurance. However, the city of Nanjing stipulates that medical insurance must be paid for 25 years to be able to enjoy a lifetime after retirement, so if you are retiring at the age of 55, you will have to start paying for medical insurance from the age of 30 at the latest.

Workers' Compensation Insurance

With little use, it is important to remember that if something happens to you while you are working or commuting to and from work, this insurance will come in handy. But in practice, many people don't pay attention to saving evidence when something happens, resulting in their inability to enjoy workers' compensation insurance, which is a pity. If you get hit by a car when you are off-duty, you should quickly call the police to investigate and record the police to take pictures to collect evidence, the police will give you an accident certificate or something like that, you can take this to the unit to request to report a work injury. If you have an accident and just let people run away and do not look for witnesses and do not report to the police and so on, that no evidence of the case will not generally be adopted as a work injury. There is a statute of limitations for work-related injuries, if you July 1, 2008 out of the work injury, then you must immediately report the unit, the evidence issued by the police and the accident identification certificate and you out of the work injury to see a doctor or hospitalized after the medical records to the unit, so that the unit to take these materials to do the identification of work-related injuries, your unit must be in August 1, 2008, before your effective material to the Work Injury Appraisal Center, if the distance from the day you out of the work injury. If the day of your injury is more than one month, the injury may not be identified. If your unit does not give you identification, then you can take the material to the identification center identification, it is best not to exceed one month, otherwise it will be very troublesome and troublesome.

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