Why does the social security base go up every year

Every local social security will rise every year, social security contributions are based on the local average social wage, the local average social wage level rose, social security contributions will naturally rise. But in fact the employer bears most of the social security costs, the employee only need to pay a small part of the social security costs.

1. Pension insurance

(1) Pension insurance for institutions. The basic pension insurance contribution rate is 20% for the unit and 8% for the individual; the occupational pension contribution rate is 8% for the unit and 4% for the individual.

(2) Enterprise workers' pension insurance. The contribution rate is 18% for the unit and 8% for the individual; the contribution rate for the individual and the flexibly employed is 20%.

(3) urban and rural residents' pension insurance: the city's contribution standard is set at 100 yuan, 300 yuan, 500 yuan, 600 yuan, 800 yuan, 1000 yuan, 1500 yuan, 2000 yuan, 2500 yuan, 3000 yuan, 4000 yuan, 5000 yuan per year 12 grades. Among them, the 100 yuan bracket only applies to the lowest option for groups of people with severe disabilities and other contribution difficulties.

2. Medical insurance

(1) urban workers medical insurance payment rate of 7% of the unit, the individual 2% (flexible employment unit contribution part of the individual to bear); large medical assistance each year are 120 yuan, of which the unit per person per month 6 yuan, the individual per person per month 4 yuan (flexible employment unit contribution part of the individual to bear).

(2) urban residents medical insurance: 2016 individual contribution standard is 140 yuan.

3. Workers' Compensation Insurance

Organizations and institutions to the total wages of their employees as the basis for the proportion of 0.2% paid by the unit, the individual employee does not contribute; municipal enterprises of all types are divided into eight grades, by the enterprise to the total wages of their employees as the basis for the proportion of 0.2-1.9% paid by the individual does not contribute.

4. Unemployment insurance

Institutions and enterprises contribute 1% of the unit, 0.5% of the individual.

5. Maternity insurance

Enterprise maternity insurance contribution rate for the unit 0.5%, individual employees do not contribute; institutions maternity insurance contribution rate for the unit 0.4%, individual employees do not contribute.

The advantages of social security

1, the benefits of pension insurance

(1) to use the concept of old age, self-insurance, replacing the old concept of raising children to prevent old age, family insurance. This is conducive to increasing people's awareness of insurance, the establishment of new ideas.

(2) It is conducive to the implementation of family planning policy. When raising children for old age has become less necessary, people's desire to raise children quickly weakened, it is conducive to reducing population pressure, eugenics, eugenics of the general policy.

(3) It is conducive to the coordination of intergenerational relations. The implementation of self-support, the younger generation can reduce the financial burden of supporting the elderly, especially one-child families, the old man's old age, but also to maintain relative economic independence, do not need to rely too much on children, which is conducive to the establishment of a new type of parents and children of the two-generation relationship.

2, the benefits of health insurance

(1) basically do not spend their own money, easy to have medical insurance.

(2)Outpatient visits to the doctor in the starting line above the part, you can be reimbursed in accordance with the prescribed proportion of medical expenses;

(3)Hospitalization during the cost of the starting line above the part, you can be reimbursed in accordance with the provisions of the proportion of the medical expenses;

(4)In the event of an accidental injury, a major disease or a chronic disease, the long-term cost of medicine have medical insurance to bear the bulk of the burden, reducing the individual's financial pressure ....

3, the benefits of workers' compensation insurance

(1) can better safeguard the legitimate rights and interests of disabled workers.

(2) It can reduce the burden of enterprises. If the enterprise employees do not participate in the work injury insurance, once the accident occurs, the enterprise will bear the medical expenses, disability benefits, disability allowance and many other expenses caused by the employee's work injury. Once a serious safety accident occurs, some small enterprises or enterprises with relatively poor efficiency will often be unable to pay compensation for a work-related accident, and some enterprises will find it difficult to continue or even be forced to stop production.

4, the benefits of unemployment insurance

Unemployed people who meet the appropriate conditions can receive unemployment benefits, and during the period of receiving unemployment benefits, you can be reimbursed for some of the medical expenses, but also free to participate in the local job fairs and so on.

5. Benefits of maternity insurance

Female workers who meet the appropriate conditions can be reimbursed for some of the expenses incurred due to childbirth.

Nowadays, China requires employers to pay social security for their employees, as for the actual payment of the base of social security, it will be determined according to the situation of the unit, but for the proportion of contributions, the law has requirements, the unit is not free to choose the margin of choice. And if the unit is not in accordance with the provisions of the purchase of social security for employees, mainly in the transfer of social security only after the start, these are illegal behavior, at this time you can complain to the social insurance premium collection agency, order the employer to correct.

Legal basis:

The People's Republic of China*** and the State Social Insurance Law

Article 6 The State shall strictly supervise the social insurance fund. The State Council and the people's governments of provinces, autonomous regions and municipalities directly under the Central Government establish and improve the supervision and management system of the social insurance fund, and guarantee the safe and effective operation of the social insurance fund. The people's governments at or above the county level take measures to encourage and support the participation of all sectors of society in the supervision of social insurance funds.

Article 18 The state establishes a normal adjustment mechanism for basic pensions. According to the growth of the average salary of employees, price increases, raise the level of basic pension insurance benefits in due course.