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old-age insurance: you pay per month for units 21%, you pay 8%;
health insurance: you pay per month for units 9%, you pay 2 % plus 10 dollars for serious co-ordination (co-ordination of key management ill hospitalized this);
unemployment insurance: you pay per month for units of 2%, you pay 1%;
injury Insurance: Company to pay 0.5% per month for you, you do not get their own dime;
maternity insurance: you pay per month for units of 0.8%, and you do not get their own dime;
Housing Fund: Unit for you to pay 8% per month, you pay more than 8%
, so doing, the units each month to pay for your social security ratio should be 21% + 9% +2% +0.5% +0.8% +8% = 41.3%
you pay each month for your social security ratio should be 8% +1% +2% +8% +10 block = 19% +10 to temporarily block
you pay 10 dollars off aside, the proportion of units of payment and you pay for the 413:190 ratio should be, which means that if you pay each month for your social security 190 dollars, then the unit will be to your social security 413 dollars to break into the account each month to increase your social security account the money should be 413 +190 = 603 dollars
So in case you can not see, the unit cost of delivery of social security is 2 times more than you, so you pay social security fee per month do not feel bad when the O unit ~ you know a lot more than you pay for it, in fact distressed units.
saying the risk of a return to the three gold and five insurance payment, where you should have seen, in fact, said the three lakes on the total risk of a payment equivalent to five insurance gold, only one gold and three insurance pay from your personal insurance (unemployment + pension + medical + provident fund) for the five insurance units in a payment is submitted from your insurance (pension + health + unemployment + injury + Growth + Fund ) for the. The full insurance as a perfect insurance policy that is just saying it to sound good.
addition to units for you to pay social security, in fact, did not work but who have income or have units, but units do not pay social security personnel can also pay their own Social Security, but the individual can only pay pension + medical insurance, industrial injury Fertility ah ah ah unemployment fund, your people have to pay is not up.
Here's what is social security contributions under the base
we already know have to pay a monthly flat rate and you pay social security is almost the 413:190 ratio, then come out now One problem: his monthly pay social security fees and the proportion of what relationship, social security costs in the end is how it determined?
You may not be aware of the various provinces and cities every year in early July to release a \What is it, meaning that as long as the formal Nanjing to pay social security for workers in the unit, per month for each employee to pay the money to at least 1189 �� 41.3% = 491 million, while workers at least a month to pay 1189 �� 19 % +10 = 236 yuan, and units per month so you should pay the social security charges came out.
But now a new problem came out again and municipal wages vary greatly, someone get 1000 a month, someone could get 10,000 a month, do not get called to get 1000 and 10000 pay social security fees are the same?
Please note that this 1189 is the lowest base, in 1189, and the highest on base, Nanjing base seems to be the highest this year more than 8,000 specific I forgot, and anyway, if You pay less per month in 1189 yuan, the unit must be in accordance with the 1189 yuan for you to make 1189 �� 41.3% = 491 yuan, and at least a month to pay your own 1189 �� 19% +10 = 236 million, this is 1189 the minimum social security payment as a sense of where the base: even if you get 1,000 or 800 a month, your monthly minimum must be in accordance with the 1189 pay to!
But if you want to pay more than 1189 high, for example, you get 3000 a month, that unit to the Bureau of Labor Insurance when you pay (you pay your social security units and the Bureau of Labor costs are deducted, oh ~) to be on the labor bureau, said: \We have comrades here to get 3000 a month, follow the money of the standard deduction 3000 social security fees. \on your unit at this time should you pay each month to 3000 �� 41.3% = 1239 yuan, and you make personally each month in respect of 3000 �� 19% +10 = 580 Ԫ
means that if you Following the 1189 yuan of wages, then every month you pay by 1189; if your salary in 1189 yuan or more, then every month you pay according to your real wage, unless your base is even higher than the maximum salary, If you get 10,000 a month and the maximum base is 8000, you and your unit are in accordance with the 8000 delivery to
here to expose the shameless practice of some companies, these companies may give you a good few thousand a month's wages, but they report to the Bureau of Labor when your base is not in accordance with the Your real wages to report, for example if you get 3000 a month, they went to the Bureau of Labor may say that you take only 1189, the Bureau of Labor every month and then deduct your 1189 �� 19% +10 = 236 yuan, you probably also very happy because you feel you less money deduction, you actually get more money in the wrong hands!
If this is your company too outrageous! because the company money to pay 2 times your Therefore, the less you pay the less they pay! If real wages in accordance with your 3000 to count, they pay you every month of the 3000 �� 41.3% = 1239 yuan social security charges, and then by 1189 to count, They pay you every month for the 1189 �� 41.3% = 491 yuan! so in fact you suffered a major loss! regular company will only pay as you go to the actual declaration of the Bureau of Labor and deducting money! only those companies that only perishable No matter how much you pay will have to pay in accordance with minimum standards for you!!
do not think that your Social Security monthly fees deduction, the better!! You may have been bullied by the company and you shamelessly also totally unaware of!!! to determine the unit for you in the end how much base pay is simple: if you buckle 300 a month social security, your base is about 300 �� 19% �� 1578 million, you look at your wage is not the number, if you pay significantly higher than in 1578, such as every month you actually get 3000 or 4000, then it must surely have been the company to bully you, and after being bullied you can go to the local unit of labor monitoring group to sue you, a quasi-General a report.
but the best time to put in to leave evidence (such as pay slips, etc.) then told to find a good, or you sue the company after having failed to make a general - - + again be noted that various parts of not the same as the proportion of social security form, but certainly not big change, such as your base may be 20% or 22%, but it is not 30% or 40%!
Here are some of these social security charges and the specific circumstances is how to use
has been said earlier, social insurance = + pension + medical insurance maternity insurance, industrial injury insurance + unemployment + Insurance + Housing Fund
1. Let us talk about good old-age insurance
this insurance are generally required to pay at least 15 years to retire to a pension for life, so went to get pension Be sure the students before his retirement 15 years ago began to pay, this is almost the same way than in Nanjing under the retirement age if you go to pay pension age of 15 years, that country until the time you retire your personal account will 8% of the pension deposit back to you
all that you ask the unit to 21% of your pay go? that you do not expect the State will be forwarded to you, you retire to your personal money away, the State put the unit is 21% of your money to pay all the pension scheme to the whole fund in the country, and from which no relationship between money and you you may say: I rely on! that Why do not my money I
because the state is so required
money back when the only returned to the individual to pay his own personal money deducted, the unit for him all the money to pay for the countries to contribute to the - -
below when we look at your retirement pension is calculated how the
pension algorithm is very complicated, because the state pay an annual base of the time, for example about it: If you are 30 years old, you now pay base is 3,000 yuan, while the retirement age is 55 years old if so, then you must start before the age of 40 you pay old-age insurance, while if you are now beginning to pay from 30 years old, 55-year-old was handed 25 years, then sure you can enjoy the pension first, and second, if you pay after 25 years of the 3000 block of base pay has become a 6000 (I said that if), you first of each month at the age of 55 can get 6000 �� 20% = 1200 block of the basic pension, which is to your country, in addition to your personal account, the money in 25 years also accumulated a lot to look good average base pay, (3000 +6000) �� 2 = 4500, then you this personal account of 25 years, there should be 4500 �� 8% (you pay the proportion of old-age insurance for individuals) �� 25 years �� 12 months = 108,000 dollars, then in addition to other prior to 1200 a month you can get the 108000 �� 120 = 900 blocks, the age of 55 a month so you can get at least 1200 +900 = 2,100 pension, of course, the base of each country are still to rise, this year in addition to your 900, you get every month after retirement more money than 1200, then of course your pension More and more
So, the better to pay old-age insurance to pay, the more you pay after you retire to enjoy the more, and that the national annual revision of the base after you get the money more and more, and now years after the 1000 pay 1500 is possible to get here, to introduce a policy of metamorphosis, that is, no matter where you pay social security fees, etc. When you retire you can only back seat of your account enjoy the local retirement benefits, so look at where the base pay high social security retirement back to the low base, but the local people to enjoy the pension would be a big loss.
Why? me give an example, if you're young in Nanjing, to pay social security for 20 years and then retired, but if your account in Heilongjiang, Heilongjiang enjoy it you have to back pension. If you pay for 20 years in Nanjing, the average base is 3000 (I said if), and when you retire until 1000 in Heilongjiang's contribution base (I said if), then when you retire 1000 can only enjoy the treatment! This is a loss of! word, where if you pay social security but in the rich when they retire back to the poor place to enjoy social security, you pay a lot of life, but enjoy very little!
Exchange 3000 could only enjoy 1000! This is a terrible thing, but no way is this policy of the State, so all current accounts in the western areas such as low base But in Beijing or Shanghai, where the work of the high base of the students to pay attention to social security, you pay social security or to the west, or to the accounts prior to retirement and moved to Beijing or Shanghai, or else you're doing a huge loss of life, this the Trading
perhaps you will say that if my account in Nanjing, then I pay for 20 years in Heilongjiang like the Well, where in the low base pay, when they retire back to the place to enjoy a high base high welfare. wrong! you think Nanjing Bureau of Labor would casually let you enjoy it?! general this case directly to Nanjing will find a reason to refuse you turn! that time you miss s wisdom: in Heilongjiang not enjoy, in Nanjing, also can not enjoy! But some places like the situation has eased some of the provisions, such as Nanjing,
ralph lauren bikini, allowing you to 5 years before retirement place back from a low base in Nanjing, and then continue to pay 5 years in Nanjing, Nanjing The high base, after which it will allow you to enjoy the pension back to Nanjing. this policy are not the same everywhere estimate the future intend to switch to the best students now go to your local labor bureau to find out the problem,
ed hardy bikinis, so that happens when you retire unexpected accident!
2. Here to talk about health insurance
the risk fairly good national policy is important that the number of hospital reimbursement, said before the unit give you each month health insurance to pay is 9%, your monthly health insurance to pay about 2% plus 10 dollars for serious co-ordination, co-ordination of this illness simply whatever else you are hospitalized, and that 11% to you each month in the country The health insurance account to play your own 2%, according to 1189 yuan per month if your minimum base pay social security, then the 1189 �� 2% = 23.78 Ԫ is the national monthly call your own money, the money you can accumulated direct credit card to buy medicine or out-patient services, and the remaining 9% of the national operator to take it to the medical assistance funds in the
in accordance with the provisions of Nanjing, and if you start from January 2007 to pay medical insurance, So starting from the February 2007 credit card you can buy medicine, or out-patient services, from July 2007 onwards you can be reimbursed for the cost of hospitalization, and reported that the quite complex, for example good:
If you August 1, 2007 in the hospital, living in the best three hospitals, health care during hospitalization are used within the scope of medicine, surgery + hospitalization and other expenses spent a total of 5,000, then when the Medicare reimbursement Center for the first net of 1000, which is starting price, the rest of the 4000 health care centers are reimbursed for 4000 �� 86% = 3440 million, just pay your own 4000 �� 14% = 560 yuan a, plus 1,000 yuan before the start price, you spent 5000 on their own as long as you can pay 1560 yuan, and 1560 yuan, and this can also be deducted from your health insurance card (if you usually do not use that card), so in fact you can not spend much money medical hospital Insurance for our young people much more important than the old-age insurance, hospital doctor, after all, is too ########ing expensive, which is to participate in social insurance where the most important provisions of Nanjing, but have to pay full medical insurance to retirement after 25 years Enjoy life, so if you retire at age 55, then no later than the age of 30 must begin to pay health insurance out
3. Here to talk about the risk of work injury insurance
less general use in practice, I do not have many contacts, need to remind you that if you work the time or the time to work out what had happened,
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but in practice many people pay no attention to the preservation of evidence out of trouble, they can not enjoy the work injury insurance lead, which is a pity you if you work when they were hit by a car, you should up the police, let the police to investigate the records and photographs collected evidence after the police finished processing what will give you a Certificate of Authenticity accident or something like that, you can take this requests for work-related injuries reported to the trouble if you let people run to and does not find the alarm is not what the witness,
sinful bikini, the case of no evidence that the general will not be accepted as work-related injuries also injured in the
have a prescription, if you July 2007 1 sunrise the injury, you must immediately reporting units, the police issued identification evidence and the accident book and your work-related injuries after a medical history to see the doctor or hospital to the unit, called unit Identification of these materials do hand injury, your unit must be August 1, 2007 effective material before your injury to the testing center, if you are out of work-related injuries from the days of more than a month, it does not work-related injuries may be identified up. If you do not give you identification of units that can hold your own center identification materials to identify the best and do not exceed one month, otherwise it will be very troublesome troublesome
4. Here to talk about maternity insurance
good example of this also, if you are a girl, a month salary of 1,000 yuan, January 2007 1st pay maternity insurance, whereby the base is 1189, and you pregnant in March 2007, the end of December 2007 gave birth to a child, in January 2008 and discharged after hospital you want to Sign the marriage certificate (an unmarried mother will not be reimbursed ) + child certificate (generally not reimbursed Health 2 tires) + size chart + checkpoints and the construction of hospital and surgical expenses of all invoices + list + hospital discharge summary of all materials submitted to these companies, they can check if you are pregnant It took 500, when a child patient took 2000 + surgery, in general, within the provisions in health insurance can give you basically all the claims, claims to give you the money later include: 500 block of inspection fees +2000 inpatient surgery +1189 Yuan / month �� 4 months = 7256, 1189 yuan / month �� 4 months, which is specifically for the reimbursement of health care centers subsidized girls, only girls get the reimbursement to the State to
Maternity Insurance provides reimbursement when girls must be given 4 months, the average wage, so if you have children not only do not pay claims, but also can make the wages of 4 months! If you pay higher than the base pay, such as taking 1000 pay is 1189, then you also earn it
maternity insurance to pay at least a year to enjoy, remember to keep in mind
In addition there is a problem, boys are also cross-ah ~ so boys maternity insurance Can you do enjoy the maternity insurance?
If you're a boy, your wife did not work or work units did not pay the insurance, and her children when you pay maternity insurance has more than a year, you can also Oh maternity insurance reimbursement, but to the previous examples, for example, you can only check fee reimbursement +2000 500 block of inpatient surgery costs half = 1,250 yuan, 1,189 yuan of subsidies / month �� 4 months of salary you will not enjoy the ! This is only reimbursed when girls can enjoy the same cost oh, reimbursement will be able to get 7256 girls, boys can only get reimbursement for 1250, which is probably rare in China, \- + So, before the girls the best plan to have children about one year ahead began to find a unit to pay maternity insurance, you can make it! If you marry my wife and boys, the best time to marry a baby has to pay for a year maternity insurance and pay the base salary is also higher than the girls in her own Oh! However, if it does not matter she is not insured, you can give her maternity insurance reimbursement for it, but you do not pay subsidies to take 4 months, and the newspaper You can only get back half the cost.
5.
unemployment insurance, unemployment insurance, this is also to pay a full year you can enjoy, generally get to pay 1 year 2 months, to pay 2 years get 4 months, but a lifetime to get up to 24 months. a good example:
If you January 1, 2007 began to pay insurance, in January 2008 the company laid off you are, where you can ask the company to you get 2 months of unemployment insurance, if you are in the year 1189 base pay for insurance, then you can get at least 2 months more than 800 dollars or you
1 January 2007 day to pay the insurance, in January 2008 and the company you contract expires, and you do not want to renew the contract, then you can also leave the company before the company you get 2 months of unemployment insurance, also means that more than 800 pieces expiration of the contract or the company dismissed, you can take 2 months a year in accordance with the ratio of unemployment to require companies to give you do, if the company does not give you do you can go to report it, a report of a prospective.
But the contract did not expire if you resign yourself go, that even if you pay full 1 year are not entitled to unemployment insurance
resign as long as their own, let alone pay 1 years , that is, 10 years to pay unemployment insurance to resign when you can not get a penny.
6. housing fund is a good thing ah
Well, if you pay 200 a month for the fund, then the company has to your account each month to hit 200, you When buying a house that is 400, if you pay 5 million lifetime, you account is 10 million, and such a good thing we must not reject ah.
fund can be used to buy a house, loan, renovation or something, if you can find their own home land to build a house, the money to build a house that can be paid from the fund in
If you have been without this money, when they finally retire all of the money seems to come out
the supplement
[size = +0] and Nanjing for the different places that it, magic is not allowed to non-payment of medical insurance, that includes old-age social security center that a birth injury with medical unemployment asked enterprises received, but added the taxpayer may pay the fund because it is within the jurisdiction of the Centre under the Provident Fund
ratio of the specific form of social security:
old-age insurance: you pay per month for units 22%, you pay 8%;
Medical insurance: you pay per month for units 12%, you pay 2%;
unemployment insurance: you pay per month for units of 2%, you pay 1%;
industrial injury insurance: you pay per month for units of 0.5%, and you do not get their own dime;
maternity insurance: you pay per month for units of 0.5%, and you do not get their own dime;
Housing Fund: Unit for you to pay 7% per month, you pay 7%
additional housing funds: unit per month for 8% of your pay, you pay 8% ( This is only general state-owned enterprises will be some very good benefits, and the proportion has its own, the general fund even if the company paid a very moral a)
another to say that social security and a transfer tax in the relationship between When paying a transfer tax is that part of the individual debit payments calculated after deduction of the taxable base, but it is important to note, provident fund and supplementary fund more than 12% of the parts (individuals and businesses to pay part) also need to be counted such as the tax base in the
7% above that of the fund, additional fund of 8%, add up to 15%, then the personal deduction of 3% of the part of the gold that will count in the amount of tax payable at the same time, corporate That 3%, while wages are not deducted from the individual, but still have to count in the taxable base, that is, people went to this the cost of a transfer tax bill.
medical insurance to use this one, throughout the rest goes to personal accounts in different ways so
Specifically, the health insurance year is April 1 each year to the March 31 next year at the same time, changes in social security contribution base is established in the early to mid April.
Medical Insurance Bureau in April 1st base withholding of social security in accordance with each 1 year personal health insurance (that is, the 2%) into the individual health insurance card account, but this time there is a problem, 4 1 Day, then the base has not been established Social Security, Medical Insurance Bureau only in accordance with the previous year's base to the individual health insurance payments are expected that year, then the difference between how to do it? That is, in the second year of April 1 to make up a small count, or less give the
such a large segment of the word may seem to be quite troublesome, and that we, for example a person
average monthly income of 5,000 yuan in 2004, average monthly income in 2005 4,000 yuan, 6,000 yuan income in 2006
Medical Insurance Bureau in April 1, 2006 to the amount of time into personal accounts, social security center has not approved base pay in 2006 (that is, January 2005 average income), the Medical Insurance Bureau is in accordance with the base pay in 2005 (that is, the average monthly income in 2004) to calculate the amount of personal accounts throughout the year, which is 5000 * 2% * 12 = 1200,
but in fact the person the amount of personal accounts of that year should be 4000 * 2% * 12 = 960,
then this will give the 240 in April 1, 2007 when the net. At the same time April 1, 2007 into the account of the new year, gold is still 960 yuan individuals (in fact, should be 6000 * 2% * 12 = 1440 million), less to 480 yuan, will be April 1, 2008 meeting back.
so because most people are not the same base pay each year, so almost everyone's account every year in March and April when the total number of years to see the amount of the account is different, this is the Medical Insurance Bureau in The annual cost to do when the resulting accounting.
injury time there is a problem, if you July 2007 1 sunrise the injury, you must immediately reporting units, the police issued identification evidence and the accident book and your out After injury to the doctor or hospital medical records to the unit, called the unit holding the identification of these materials to do work-related injuries, your unit must be August 1, 2007 effective material before your injury to the testing center, if you are a distance days of work-related injuries more than a month, and that injury may be identified not up. If you do not give you identification of units that can hold your own center identification materials to identify the best and do not exceed one month, otherwise it will be very troublesome a lot of trouble
this point there is a supplement, there are two ways to report injuries, one unit reporting to love to say the same as the above, valid for 30 days, there is a personal declaration, valid for one year, but the injury or other reasons, the longer the more the evidence insufficient to declare the words of individuals will delay the process because they do not know how much time and effort.
maternity insurance, abortion, childbirth, multiple births, premature birth, and can specifically look at the following link, though Shanghai's policy, but in all parts of similarity. Shanghai and Nanjing
may have different policies, the company will not be reimbursed in charge of this area, and pregnant women are linked directly by the health insurance
production in reproductive examination during hospitalization, medical insurance co-ordinate the range of co-ordination within the health insurance payments are, of course, at their own expense item (such as advanced unit, at their own expense medicine etc) or to themselves.
Health boy after their application for maternity benefits to the Medical Insurance Bureau, Medical Insurance Bureau to the Social Security piece of 3000 dollars,
bikinis 2011, to give 3 months base pay income
childbearing increases semi- months, multiple births, more than half of
a plus one if the average monthly wage income is greater than the maximum social security contribution base, then the social security contribution base to pay part only, left paid by the company under
such a person on a monthly average wage income of 10,000, the Social Security cap for the 7392 base.
then the monthly Social Security income for 7392 to the remaining 10000-7392 = 2608 is paid by the unit.
(Although I think this, in the cloud Tell me what you is not easy to come across =��=����)
fact, there are two key areas:
1, pay at least 1 year before birth
2, the social security contribution base normal reporting
so that students, especially female students, do not feel the base of the company to give you the level of reporting does not matter, even for low base some of their high wages glad hand to see the problem when it came it!
This is why there are so many female workers low wages, but would rather stay in the local social security return in full the reasons for giving birth and then quit the one small place is not like the case of unmarried women are not employees, two maternity insurance is a lot to supplement income.
example, a 3000 human normal wages, but the declaration of social security base count her year-end bonus awards, etc. Other income, then the monthly average may reach 5000, this time that a child holding a few months is the revenue in January 5000.
If you have been without this money, when they finally retire all the money out seemingly can not come
seems, is absolutely!
and fund loans with low interest rates than commercial loans, and this is a big advantage.
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