Influence of social security contribution ratio

The proportion of social insurance contributions consists of individual contributions and unit contributions; The payment base and compensation base of the five major social insurance types, such as pension, work injury, medical care, maternity and unemployment, are all linked to the average salary of employees in the previous year.

First, the latest social insurance payment ratio

If the salary is lower than the base, it will be paid according to the minimum standard; If it is higher than the base and not higher than the maximum amount, it will be paid according to the actual salary; If it is higher than the maximum amount, it shall be paid according to the maximum amount.

① Endowment insurance: 20% for the unit and 8% for the individual;

② Medical insurance: 8% for units and 2% for individuals;

③ Unemployment insurance: 2% for employers and 0/%for individuals;

(4) Work-related injury insurance is entirely borne by the enterprise, at around 1%, and individuals do not need to pay it;

⑤ Maternity insurance is also borne by enterprises, which is about 1% and does not need to be paid by individuals.

Second, the latest changes in social insurance

1, unprecedented collection and management, it is illegal not to pay social security.

20 19 social security is collected and managed by the tax bureau, which symbolizes the strengthening of social security collection and management. Then, the establishment of the social security blacklist system has brought the social security collection and management to a higher level. If you don't pay social security according to law, you will be punished jointly and severally.

2. Social security transfer becomes easier.

Simplifying the social security transfer and connection procedures, reducing the number of documents required for social security processing, realizing the sharing of social security information, and facilitating the people of our country.

3. State-owned enterprises pay 65,438+00% equity and issue social security benefits.

In order to let people fully enjoy the fruits of the development of state-owned enterprises. The State Council issued an implementation plan for transferring some state-owned capital to enrich the social security fund. Up to now, the three pilot state-owned enterprises have transferred more than 20 billion yuan, and in the later period, the central and local state-owned enterprises and state-controlled enterprises will be transferred one after another to enrich the social security fund. The social security dividend will be further increased.

4, the third generation of social security card reimbursement direct settlement

The pilot work of the third generation social security card is coming! Compared with the second-generation social security card, the new social security card has dozens of functions, which can greatly facilitate citizens to use the card, and social security reimbursement can be settled directly without personal advance.

(1) Individuals do not need to go back to the original insured place for reimbursement.

Huang, deputy director of Ministry of Human Resources and Social Security Social Security Center, said that patients with the third-generation social security card are hospitalized in all designated hospitals in all provinces and cities in China, and only need to pay the medical expenses that should be borne by individuals. Other expenses are directly settled by medical insurance agencies and hospitals. Individuals do not need to pay all medical expenses in advance, and then go back to the original insured place for reimbursement.

At the same time, people who have participated in medical insurance in various provinces and cities across the country can also directly settle medical expenses after being hospitalized in designated hospitals.

(2) It has financial and personal authentication functions.

The third generation social security card not only has the application function of social security, but also has the function of financial and personal identity verification, which can realize the "one card" in three major fields: government service, public service and financial service.

(3) It can be used for people's livelihood services.

With the social security card, the insured can not only receive pension and medical reimbursement, but also be used for people's livelihood services such as bus, subway, public bicycle, refueling and taxi payment.

Three, voluntarily give up paying social insurance

The statement of voluntary waiver of social security payment is invalid.

Social insurance is compulsory by the state, and it is the legal obligation of the employer to handle social insurance for employees. Neither employers nor employees can dispose of this right and obligation at will.

It is illegal and invalid to sign an agreement with the employer voluntarily to give up participating in social insurance.

As an invalid agreement, it is not legally binding on workers and employers, and the company should still bear the obligation to pay social insurance for employees.

The amount of social security payment in each region is different, and the base is based on the total wages. Social security withholding has certain influence on individuals. Some qualifications will be cleared, but they will be restored after a certain period of time, and some qualifications will not be cleared.

Legal objectivity:

Article 12 of the Social Insurance Law, the employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Article 35 of the Social Insurance Law, the employing unit shall pay the work-related injury insurance premium according to the total wages of its employees and the rate determined by the social insurance agency. Article 47 of the Social Insurance Law The standard of unemployment insurance benefits shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government, and shall not be lower than the minimum living standard for urban residents. Article 53 of the Social Insurance Law, employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, while employees shall not pay maternity insurance premiums.