Deduction ratio of employee welfare expenses

Social insurance plays a very important role in our daily life. Different types of insurance protect people's lives, and the most important ones are medical care and old-age insurance. People can not only enjoy the current insurance benefits, but also enjoy the life security brought by future insurance.

There are two kinds of social insurance in China: one is the employee social insurance handled by the employer for employees, and the other is the social insurance for residents in the place where our household registration is located. Employee social insurance is what people often say: five insurances and one gold. After we enter the company, the company will handle it for us, which is compulsory by the state. Residents' social security refers to their own social security, which can only be purchased in two ways (medical care and pension), such as the new rural cooperative medical system and urban and rural residents' social security.

The first thing we need to know is that no matter what kind of social insurance we buy, we must pay first before we can enjoy the benefits brought by social security. First of all, medical insurance in social security is an insurance that everyone can't live without. People can use this insurance to pay for medical expenses. No matter whether you register for outpatient service, buy medicine or stay in hospital, you can enjoy medical insurance as long as you see a doctor and pay a certain proportion. Of course, the proportion of hospitalization reimbursement will be higher. And after 20 to 25 years of accumulated payment, you can enjoy the treatment of medical insurance reimbursement for life. In other words, people can enjoy this benefit without paying medical insurance money after retirement.

As long as the old-age insurance has been paid for 15 years (the minimum number of years), you can receive a pension after retirement, and you can enjoy this benefit forever as long as you live in this world. At present, the old-age insurance has been adjusted more than ten times in a row. The longer the old-age insurance is paid, the more pensions will be received in the future.

In areas with developed economy and high average wages, the higher the payment level, the more pensions will be received after retirement. Some people may ask, if people are no longer in this world, is the previous money wasted? No, if the insured encounters misfortune, the family members of the insured can withdraw all the money from their social security cards.