Social security how to pay the cost-effective specific how to pay

Social insurance is more useful to us, social insurance partly by the unit to pay, partly by their own to pay, is a certain benefit to us, social security, including pension insurance, medical insurance and so on insurance. The following I will organize the corresponding information for you, I hope to help you.

One, "five insurance and one gold" how to pay for cost-effective

1, the more pension insurance payment the more benefits

At present, China's pension insurance system, to "basic pension insurance for employees "as the core. Each month, the employer withholds and pays a sum of money on behalf of the employer, and when it reaches the legal retirement age (60 years old for men and 50 years old for women), you can receive a pension from the social security system. The state will adjust the pension through the price and the overall level of the pension, the more you pay, the longer, the more you get the pension.

2, health insurance contributions need to reach the national regulations

According to Article 27 of the Social Insurance Law: the individual participating in the basic medical insurance for employees, to reach the statutory retirement age when the accumulated contributions to reach the national regulations for a period of time, no longer pay the basic medical insurance premiums, in accordance with the provisions of the state to enjoy the basic medical insurance benefits; not reach the national regulations for a period of time, you can pay to the national regulations for a period of time. The state has not yet reached the required number of years, you can contribute to the state's required number of years.

3, unemployment insurance paid one year to receive unemployment benefits

According to the "Social Security Law" Article 45 provides: the unemployed meet the following conditions, from the Unemployment Insurance Fund to receive unemployment insurance benefits: (a) unemployed before the employer and I have been paying unemployment insurance premiums for a full year; (b) not due to the interruption of employment of their own volition; (c) have been registered as unemployed, and have the requirement to find a job.

Unemployed persons must leave their jobs within 60 days after the vocational guidance and training card, household register, ID card, the termination of the labor (employment) contract or proof of working relationship and photographs to the household location of the street, the town of the labor security department of unemployment registration, unemployment insurance claim procedures.

4, no work unit is difficult to enjoy maternity insurance

Maternity insurance and unemployment insurance contribution period is almost the same, usually one year, only to pay a full year and meet the other maternity insurance policy in order to enjoy the relevant maternity insurance treatment.

If a female employee or a male employee's wife becomes pregnant during the period of insurance coverage, and if she changes workplaces during the period, the maternity insurance benefits will not be affected as long as the maternity insurance contributions are not interrupted. But once the contributions are interrupted, the maternity insurance benefits will be canceled.

Therefore, the majority of insured workers are reminded that they should not easily change their jobs or quit their jobs when they are pregnant or when their wives are pregnant until their maternity leave is over. Otherwise, once the contributions are interrupted, the maternity insurance benefits that should be enjoyed will be gone.

5, within 48 hours of the rescue for work-related injuries

enjoyment of work-related injuries insurance benefits have certain conditions, such as social insurance administration must be recognized as work-related injuries, enjoyment of disability treatment must be identified by the appraisal body for the identification of disability level and so on. If the conditions are not fulfilled or lost, then the employee's work injury insurance treatment may be terminated or lost.

The relevant experts of the Social Security Bureau, workers' compensation insurance regulations, in the working time and work, sudden death or within 48 hours after the rescue of death, can be recognized as work-related injuries. The time of death to the hospital to show the death notice above the time as a standard, if not in line with the above conditions can not be recognized as a work injury death.

6, housing fund long-term unused not cost-effective

Many people know that every month the unit to pay the housing fund the more the better. But for those who do not buy a house, or are not prepared to buy a house in the short term, the provident fund is so present on the account, and not cost-effective. This is because the portion of the CPF that is contributed in the current year will only earn a demand deposit interest rate, while funds contributed in previous years will only earn a three-month fixed deposit interest rate. In addition, monthly CPF contributions exceeding the ceiling are taxable.

Second, "five insurance and one gold" in the process of paying attention to

1, pension insurance can be interrupted, the middle of the interruption does not matter, the last is the cumulative number of years, but pay more, of course, the pension is more.

2, unemployment insurance must be paid.

3, medical insurance is more important, the provisions of the continuous interruption of more than three months will lapse, need to be new.

4, housing provident fund is the unit to give you money and your own money are deposited into your provident fund account, can only be taken once a year, to go to the provident fund center to withdraw, the need to buy a house or repair the house, you can take or entrust the unit to take, if you leave, you can apply for the transfer or direct withdrawal out.

5, five insurance for the government mandatory requirements for employees to pay for the enterprise, if the unit did not pay for you, you can report to the social security department