Shandong adjusts the proportion of individual medical insurance accounts.

First, the coverage is different. 1. Social security for urban workers: Social security for urban workers includes pension, medical care, unemployment, work injury and maternity, and now maternity has been included in medical insurance. The people it covers are employees of enterprises, flexible employees and staff of government agencies and institutions. 2. Social security for urban and rural residents: Social security for urban and rural residents, only endowment insurance and medical insurance for urban and rural residents. Its coverage population is 16 farmers (excluding students), urban residents who have not participated in social security for urban workers or are not employed in government agencies and institutions.

Second, the payment methods and burdens are different. 1. Urban employees: The contributions of employees of enterprises, institutions and institutions shall be borne by units and individuals in proportion. The approximate proportion is as follows: old-age insurance: 65,438+06% for units and 8% for individuals, totaling 24%; Medical insurance: unit 6%, individual 2%, total 8%; Work injury insurance: unit 0.5% (different industries pay different fees), individual 0.5%, maternity insurance: unit 65438. The approximate proportion is as follows: endowment insurance: 20%, all individuals bear medical insurance: 8%, all individuals bear; There is also a 4% payment grade, the difference is that there is no personal account. Note: Except for endowment insurance, the proportions of the other four insurances may vary from place to place. The social security for urban workers has a minimum payment base and a maximum payment base, and the payment base of all insured persons must be within this range. The minimum payment base of Shandong province in 20 19 is 3269 yuan, and the minimum payment base in 2020 has not yet come out. 2. Urban and rural residents: The endowment insurance and medical insurance for urban and rural residents are not paid in proportion, but fixed. When paying endowment insurance, the government will have certain subsidies. There is no subsidy for medical insurance, but some places stipulate that medical insurance cannot be exempted at a certain age. Third, the treatment is different. Fourth, the relief channels are different. In addition to the flexible employment of urban workers, I am responsible for social security, and other units pay social security. Therefore, if you encounter social security disputes, you can seek help from labor supervision, social security administrative departments, labor dispute arbitration committees and courts. Urban residents, like flexible employees, are responsible for their own social security and can only deal with problems themselves.

Legal basis:

People's Republic of China (PRC) labor contract law

Article 17 A labor contract shall have the following clauses: (7) Social insurance.

Article 74 The labor administrative department of the local people's government at or above the county level shall supervise and inspect the following implementation of the labor contract system according to law: (6) The employer's participation in various social insurances and payment of social insurance premiums;

Article 72 Employers and laborers must participate in social insurance and pay social insurance premiums according to law.

People's Republic of China (PRC) social insurance law

Eighty-fourth employers do not apply for social insurance registration, the social insurance administrative department shall order them to make corrections within a time limit; If no correction is made within the time limit, the employer shall be fined more than one time and less than three times the amount of social insurance premiums payable, and the directly responsible person in charge and other directly responsible personnel shall be fined more than 500 yuan and less than 3,000 yuan.

Article 86 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay within a time limit or make up for it, and from the date of default, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.

The basic endowment insurance system for urban and rural residents The endowment insurance fund for urban and rural residents consists of individual contributions, collective subsidies and government subsidies. (1) individual payment. Those who participate in the old-age insurance for urban and rural residents shall pay the old-age insurance premium in accordance with the regulations. At present, the payment standards are set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan, and the people's governments of provinces (autonomous regions and municipalities) can add payment grades according to actual conditions. Ministry of Human Resources and Social Security will, together with the Ministry of Finance, adjust the payment grade standards in a timely manner according to the income growth of urban and rural residents. Insured people choose their own grades to pay, and pay more. (2) Collective subsidies. Conditional village collective economic organizations shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee holding a villagers' meeting, and encourage qualified communities to include collective subsidies in the financing scope of community public welfare undertakings. Encourage other social and economic organizations, charitable organizations and individuals to provide financial support for the insured. Subsidies and the amount of subsidies shall not exceed the highest payment grade standard stipulated by the local authorities. (3) government subsidies. The government pays the basic pension in full to the insured who meet the conditions for receiving the old-age insurance for urban and rural residents. Among them, the central government gives full subsidies to the central and western regions and 50% subsidies to the eastern regions in accordance with the basic pension standards set by the central government. The local people's government subsidizes the insured person's payment, and the subsidy standard is not lower than the 30 yuan per person per year for choosing the lowest grade standard payment; Choose a higher payment standard and appropriately increase the subsidy amount; Choose 500 yuan and above, the subsidy standard is not less than 60 yuan per person per year, and the specific standards and measures are determined by the people's governments of all provinces (autonomous regions and municipalities). The local people's government pays part or all of the minimum old-age insurance premium for severely disabled people and other groups with payment difficulties.

Adjustment of treatment: The treatment of endowment insurance for urban and rural residents consists of basic pension and personal account pension, which is paid for life. (1) basic pension. The central government determines the minimum standard for basic pensions, establishes a normal adjustment mechanism for the minimum standard for basic pensions, and timely adjusts the national minimum standard for basic pensions according to economic development and price changes. The local people's government can appropriately raise the basic pension standard according to the actual situation; For long-term payment, the basic pension can be appropriately increased, and the increased and increased funds will be paid by the local people's government. The specific measures shall be formulated by the people's governments of all provinces (autonomous regions and municipalities) and reported to Ministry of Human Resources and Social Security for the record. (2) Personal account pension. At present, the monthly calculation and payment standard of personal account pension is the total storage amount of personal account divided by 139 (the same as the calculation and payment coefficient of personal account pension in the current basic old-age insurance for employees). If the insured person dies, the balance of personal account funds can be inherited according to law.