Small businesses buy minimum social security.

What is the minimum standard for employers to purchase social security for employees?

The amount of social security payment is calculated according to the local social wage of the previous year, which is different every year.

In addition, it is also stipulated that the lowest grade and the highest grade are not less than 60% of the average monthly salary of social workers, and the highest grade is 300% of the average monthly salary of employees. Generally, the lowest grades are mostly.

For example, the average salary of a commune is 2000 yuan, the minimum pension insurance contribution is 2000 * 60% = 1.200 yuan, and the maximum pension insurance contribution is 2000 * 300% = 6000 yuan.

Strictly speaking, employers must buy five insurances and one fund, namely, pension, medical care, work injury, unemployment, maternity insurance and provident fund.

Based on the company's purchase of full social insurance, the calculation is as follows:

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

Endowment insurance: individual 8%, unit12%;

Unemployment insurance: individual 1%, unit 2%;

Industrial injury insurance: no individual, unit1%;

Maternity insurance: no individual, unit1%;

Provident fund: 3.5% for individuals and 3.5% for units.

Work injury and maternity insurance expenses shall be borne by the unit.

The salary is 6000 yuan per month, so the premium it needs to pay is:

Medical insurance: 6000*2%= 120 yuan, unit 6000*8%=480 yuan;

Endowment insurance: 6000*8%=480 yuan, and the unit is 6000* 12%=720 yuan; 450

Unemployment insurance: 6000* 1%=60 yuan, unit 6000*2%= 120 yuan;

Work-related injury insurance: no individual, unit 6000* 1%=60 yuan.

Maternity insurance: no individual, unit 6000* 1%=60 yuan.

Provident fund: 6000*3.5%=2 10 yuan, 6000*3.5%=2 10 yuan.

So the personal total is: 870 yuan, and the unit total is: 1650 yuan.

The calculated data may be different from the actual data, but the calculation method is like this.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.