Basic perception of social security ( quite profit

Please
rebuilt, later to find that the province, facilitate more handy to own. Welcome reproduced ah!

specific composition ratio of social security:

pension insurance: you pay per month for units 21%, you pay 8%;
Medical insurance: you pay per month for units 9%, you pay 2% and 10 dollars of serious co-ordination (ill hospitalized coordinating major piece of pipe);
Unemployment insurance: you pay per month for units of 2%, you pay 1%;
harm insurance: you pay per month because elements of 0.5%, you do not get their cent;
maternity insurance: you pay per month for units of 0.8%,Diesel Bootcut Jeans, you do not get their penny;
housing fund: you pay per month for unit 8%, you pay 8%
more so doing, the unit 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% +2% +1% +8% +10 block = 19% +10 block
temporarily clear you pay 10 dollars alongside, the proportion of units to pay and you ought pay for the 413:190 ratio, which means that if your monthly Social Security disbursement for his 190 dollars , then the unit will go on playing your Social Security account into the 413 dollars a month to increase your Social Security account of the money should be 413 +190 = 603 dollars so that you
unseen case, the unit is to pay social security costs 2 times more than you, so you pay a monthly fee when the Social Security Do not feel wrong Yeah - you understand the unit to pay a lot more than you do, feel bad in fact the unit.
saying that the three risk a return to gold and five insurance payments, where we should have seen, in fact, said the rills and lakes full of full insurance is equivalent to five insurance payments, but full insurance is paid from your personal insurance (unemployment + pension + medical + provident fund) for the five insurance payments from your unit to pay insurance (pension + healthcare + unemployment + injury + birth + Provident Fund) for of. The full insurance that as a perfect insurance is just that up nicely it.
addition unit for you to pay social security, in fact, did not work but have income of persons or units in a unit but do not pay Social Security personnel can also pay their own Social Security, but only to pay personal pension + healthcare insurance, birth injury ah ah ah unemployment fund it, you do not personally have to pay up.

Here's what is social insurance contributions beneath the base
we already know just to pay a monthly flat rate and you pay social security is almost the 413:190 ratio, then now out of a problem: his monthly pay social security fees and anything to do with this ratio, social security costs in the end is how to determine it?
we may not be placarded, each of the various provinces and cities will be loosened in early July, a base is 1189 yuan, which is what this means, meaning that workers in Nanjing at the peak of the regular payment of social security for the unit, per month for each employee to pay money for at least 1189 × 41.3% = 491 million, while workers every month to pay at least 1189 × 19% +10 = 236 yuan, and units per month so you should pay social security fees on out.
But now a fashionable problem came out again, Nanjing wages vary greatly Yeah, some people get 1000 a month, somebody could get 10,000 a month, do not get called to get 1000 and 10000 have to pay the same social security costs?
Please note that 1189 is the lowest base, there is the highest above the base in 1189, Nanjing, the highest this year more than 8,000 base seems to be specific I forget, anyhow, if You pay 1189 yuan per month in the following, the unit must be in accordance with 1189 yuan for you to pay 1189 × 41.3% = 491 dollars, and you own at least a month to pay 1189 × 19% +10 = 236 dollars, this is 1189 as the minimum social security contribution base of the definition of the a: even now you take 1000 or 800 a month, your monthly minimum must be in accordance with this 1189 pay!
but if you pay higher than 1189, for instance, you get 3000 a month, that unit to the Bureau of Labor Insurance when you pay (your unit and you pay social security fees are deducted labor bureau, oh ~) should be on the labor bureau, said: Ya Ya, we have comrades here get 3000 a month, follow the standard deduction of 3000 dollars social security costs. social security account, your unit at this time should you pay each month on the 3000 × 41.3% = 1239 yuan, and you personally pay every month on the 3000 × 19% +10 = 580 元
That is if you pay in 1189 yuan or less, every month you pay in accordance with 1189; if you pay in 1189 yuan or more, every month you pay according to your actual wages, unless you pay more than the maximum base is even higher, if you get 10,000 a month and the maximum base is 8000, you and your unit will must pay in accordance with 8000
here to expose the shameless practice of some companies, these companies each Hello months may give thousands of wages, but they report to the Bureau of Labor when your base does not go according to your tangible wages reported, for example, if you get 3000 a month, they may say to you merely Labor Bureau Take 1189, fair a month and then subtract your fatigue office 1189 × 19% +10 = 236 yuan, you probably still very tall, for the less money you think your deduction, you really get our hands on more money. Wrong! If so your company is too outrageous! Because the company is that you pay the money 2 times, so you pay less and they pay less! According to your substantial salary of 3,000 to be thought, each of them This month you pay 3000 × 41.3% = 1239 yuan social security fee, according to the 1189 calculate, they pay you every month 1189 × 41.3% = 491 yuan! so in fact you suffered a important loss! formal companies will only pay as you go to the tangible fatigue bureau reporting and deducting money! merely the testimony of those companies will pay no material how high you have to pay in agreement with minimum standards!! do not think that your monthly deduction of social security charges the less the better!! you may have been the company shamelessly bullied and you knew naught!!!
unit to determine the base pay for you in the end how much is simple: If your monthly deduction of 300 Social Security, your base is almost 300 ÷ 19% ≈ 1578 dollars, you look at your salary is not the number, if you pay significantly higher than in 1578, case in point, monthly you actually get 3000 or 4000,Diesel Straight Jeans, then you surely have been company to the bully, and after creature bullied you can go to the local unit of labor monitoring team to sue you, a quasi-general a report, but the best time to leave evidence (such as pay slips, etc.) to find a good go further, or you notice After having failed to make a general in the company. Again shows that the proportion of various parts of the social security constitute not the same as if you do not pay your proportion of Nanjing that is probably not 19 percent, but naturally not too unfamiliar, for example, your base may be 20% or 22% , but certainly not 30% or 40%! Therefore, although the proportion of 19% in Nanjing, but this field can be roughly calculated by their base
Here are some of these social security charges and what the specific circumstances of the how to use
already said, the social insurance = + pension + medical insurance + maternity insurance, industrial injury insurance, unemployment insurance + + Housing Fund
first talk about the good
This pension insurance generally must pay at least 15 years to retire to a pension for life, so went to get pension please be sure in their own retirement before 15 years antecedent began to pay, the other is almost alike in Nanjing, invested you pay to the pension retirement age is under 15 years, then await until you retire, when countries will reserve your personal account 8% of the pension
all back to you then you ask,Diesel Womens Jeans, you pay a smooth 21% gone?
you do not expect this countries will be forwarded to you, you retire to your own money away, the state put the unit for you to pay 21% of all the money designated to the state pension fund in co-ordination, and from this money and you never relationship you might say: I depend on! it was my money why not give me
because the state is so when the provisions of the
reimburse back only to individuals of his own personal deduction pay the money to pay the money for his units all endow to the country of - -

Here we look at the time of your retirement pension is to diagram out how the
pension algorithm is very complex, because the state base pay every year to chance one, a good example: If you are 30 years of age, your current base pay is 3,000 yuan, while the retirement age if 55-year-old, then you must start before the age of 40 you pay old-age insurance, and if you start from the 30-year-old across, handed the 55-year-old is 25 years, then certainly you can enjoy the pension premier, and second If you pay after 25 years of 3000 base pay has become a 6000 (I said if), then 55 years old you can get the premier month 6000 × 20% = 1200 block of basic pension, which is to your country, in increase to your personal account on the money in 25 years has amassed a lot to look good average base pay, (3000 +6000) ÷ 2 = 4500, then you this 25 years of personal accounts should have 4500 × 8% (you pay the proportion of individual pension insurance) × 25 years × 12 months = 108 000 dollars 个, then in addition to previous 1200 Yiwai your monthly but also get 108,000 ÷ 120 = 900 blocks, the age of 55 a month so you can at least get 1200 +900 = 2100 yuan pension, of course, each country's base still go up, so except your own 900, after you retire monthly to get more money than 1200, of course,Diesel Store, that your pension will be pile up
So pay old-age insurance to pay the better, you pay After retirement, the more you enjoy the more, and the state each year after correction of base money will you get build up now to pay to take 1500 years after 1000 are presumable here to introduce a policy of metamorphosis , that is, no matter where you pay social security fees, etc. When you retire you can only enjoy the behind seat of your account local retirement benefits, such point of outlook, the high area in the base pay social security retirement back to the low base, but the place to enjoy retirement Gold would be a big loss of people, why do you say? me give you one sample, if you're juvenile in Nanjing work, pay social security for 20 years and then retired, but if your account in Heilongjiang, you must Heilongjiang back a pension if you pay in Nanjing 20 years, the average base is 3000 (I said if), and when you retire until 1000, Heilongjiang's base pay (I said if), then you 1000 retirement, when the dispose can only enjoy! This is loss of! word, where if you pay social security but in the rich when they retire back to the penniless location to enjoy social security, you pay a lot, but to enjoy life's tiny! pay 3,000 stop may only enjoy 1000! This is a dreadful thing, but no way, the state is this policy, so all new accounts in the western places such as cheap base but the base in Beijing or Shanghai, regional work to pay high social security Note, you either pay social security in the West, or in retirement accounts before pushed to Beijing or Shanghai, or another you're act a colossal loss of life of the trading
that you might say. If my account in Nanjing, then I pay for 20 years in Heilongjiang not like the Well, where the low base pay, retired back to base when a high place to enjoy high welfare. erroneous! you think would Nanjing Bureau of Labor casually let you enjoy it?! general case directly to Nanjing will find a reason to reject you rotate! that time you s wisdom wrong: in Heilongjiang not enjoy, in Nanjing, also can not enjoy! but some place for such a situation has eased some of the provisions, such as Nanjing, allowing you to retire five years before the place back from a low base in Nanjing, then proceed to pay 5 years in Nanjing, Nanjing, high base, after which it only allows you to enjoy back in Nanjing pension and this policy is not the same as estimated in various parts of the future intend to switch to the best students now go to your local labor bureau to find out the problem, so your retirement occurs when an abrupt accident!

Here to talk about health insurance

the risk fairly good national policy is important to many
before hospital reimbursement that you pay a flat per month for medical insurance is 9%, the monthly pay of your personal medical insurance is about 2% plus 10 dollars of serious co-ordination, the other just serious co-ordination Whether you are hospitalized, and that 11% in National health insurance monthly to your account to activity on your own 2%, according to 1189 yuan per month if you are a minimum base pay social security, then 1189 × 2% = 23.78 yuan is state you personally call each month money, the money you can accumulate credit card directly to buy medicine or see out the remaining 9% of the country count on to take a medical pool fund in Nanjing, in accordance with the provisions of
, if you beginning from January 2007 to pay medical insurance, then the February 2007 honor card to buy medication or you can look out, from July 2007 along you can be reimbursed the cost of hospitalization, and reported quite intricate, a good example:
If you August 1, 2007 in the hospital, lived in Nanjing, the best 3 hospitals, health care during hospitalization are used within the scope of medicine, surgery + hospitalization and other expenses spent a total of 5,000, then the reimbursement of the medical center when the first net of 1000, which is the starting cost, the rest of the 4000 health-care centers are reimbursed for 4000 × 86% = 3440 dollars, at all times you personally pay 4000 × 14 % = 560 yuan on it,Diesel Skinny Jeans, with prices starting at 1,000 yuan before you spend 5000 to pay 1560 yuan at all times you own it, and this 1560 yuan can also be deducted from your health insurance card (if you're usually not very with that card), so not much you actually spend money
hospital health insurance for our young people more momentous than old-age insurance, once and for all, a doctor-patient is too damn expensive, which is partake in social insurance, the most important meaning of the provisions of Nanjing Medical Insurance
but must pay at least 25 years to enjoy life after retirement, so if you retire at old 55, then at the latest since the age of 30 must start to pay health insurance,

Here to talk about injury insurance
This risk is generally used less in practice, I have come not many need to caution everyone that if you at work or the time to work out what had happened, the risk to the lingua franca of the
but in practice many people out of trouble not pay care to the conservation of evidence, resulting in injury can not enjoy their own insurance, it is very Unfortunately. If you work for when they were hit by a motorcar, you should start the panic to qualify the police to investigate the record and photograph accumulation of evidence, the police will give you processed after the accident Shime identification to open a book and the like, you can take the Qu requests for a reported injury. If you have trouble on the sprint and not just people looking for what the witness does not alarm, that no evidence in the case will not be accepted as the general work-related injuries.
injury there is a law of constraints, if you sunrise July 1, 2007 a go injury, you must immediately report the unit, the evidence from the police and the chance paperback and you nail a work-related injuries After going to the physician or hospital medical records unit, called the unit holding the identification of these materials to do work-related injury, your unit have to be August 1, 2007 efficient substance before your injury to the testing heart, if you are out of work-related injuries from days over a month, namely injury may be identified not up, if you do not give you identification of units namely can prop your own center identification materials to identify the best and do not surpass one month, otherwise it ambition be quite perplexing distress

Here to talk about maternity insurance
This is a good example, if you are a girl, a monthly salary of 1,000 yuan, January 1, 2007 began to pay maternity insurance, pay 1189 cost base, and you pregnant in March 2007, end of December 2007 gave birth to a baby, was discharged in January 2008, then you have to rush to hospital after a matrimony certificate (an unmarried mother can not be reimbursed) + one-child certificate (commonly to 2 child's health claims that can not) + medical + examination and architecture size cards of all hospital and surgical expenses invoices + account + hospital expel summary of all materials submitted to these companies, retard if you are pregnant, when it took 500, children's when the patient took 2000 + surgery, in common, within the provisions in health insurance can give you basically all the demands, reimbursement of the money after you include: 500 block of hospital inspection fees surgery +1189 +2000 Yuan / month × 4 months = 7256, 1189 yuan / month × 4 months, this is for the reimbursement of health care centers particularly girls perquisite, only the girls get the reimbursement to the girls state reimbursement to
fertility insurance must be given four months when the average wage, so you have children, then not only claims but also can not acquire money four months of wages! If you base pay than high wages, such as the cross is to get 1000 1189, then you also earn it
maternity insurance to pay at least a year to enjoy, memorize remember also there is a problem, the boys also pay maternity insurance ah ~ Can you boys 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, then you can be reimbursed maternity insurance oh, but to the before examples, case in point, you Check the fee can only be reimbursed 500 inpatient surgery +2000 half block = 1,250 yuan subsidies 1189 yuan / month × 4 months salary you will enjoy it! This is only reimbursed when girls can enjoy oh ~
the same cost, reimbursement will be able to get 7256 girls, boys can only get 1250 for reimbursement, which is probably rare in China, So, the girls intend to have kid before the best bit, starting to find a unit to pay a year ahead of maternity insurance, you can make it! And boys if you marry my wife, it is best when children married a year yet paid maternity insurance and pay the base salary is also higher than her own girl Oh! but if she is not insurance, it does not matter, you can give her maternity insurance reimbursement for it, but you do not pay subsidies to take 4 months, and the cost of your weekly can only take back half.


unemployment insurance, unemployment insurance, this is want you to pay a full year to enjoy, generally pay a year to take 2 months to pay 2 years get 4 months, but life Take up to 24 months a agreeable example:
If you January 1, 2007 began with Insurance, January 2008, you are discharged along the company, then you can permit the company to obtain you 2 months of unemployment warranty, whether you are in the year 1189 bottom disburse insurance, you can get at least 2 months more than 800 dollars or you January 1, 2007 began with Insurance, 2008 May you and your company's contract expires, and you do no ambition to revive the contract, then you can also quit the corporation before you permit the company to elect up 2 months of unemployment insurance namely more than 800 chips. That compact expires or the company laid off, you can get 2 months of the year according to the ratio of unemployment to require companies to give you to do, whether the company does no give you do you can work to report it, a report a prospective.
But the contract did not expire if you resign yourself go, that even if you pay full year are not entitled to unemployment insurance. As long as his resignation, let lonely pay for one year, that is,Cheap Diesel Jeans, 10 years to pay unemployment insurance to resign when you can not get a penny.

housing fund is a good thing ah
Well, if you pay 200 a month for the fund, then the company has a month to your account playing 200, when you buy a house that is 400, and if you pay 50,000 lifetime, you list is 100,000, and we must not discard such a good object ah.
fund can be used to buy a house, the loan, renovation hardly evermething, if you can detect their own home land to create a house, create a house for the money that can be paid from the fund in
; If you do not have this money, and finally retired when all the money seems to be able to bring ... to an end

[Advanced part] of the supplement
and Nanjing is that different parts of it, wizardry is not allowed to non-payment of medical insurance, that includes old-age social security center that a birth injury with medical unemployment asked corporate income, but joined fund can be paid from time to pay, because it is under the jurisdiction of the chief fund
specific makeup ratio of social security:
pension 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%;
injury insurance: each unit 0.5% for the month you pay, you do not get their penny;
maternity insurance: you pay per month for units of 0.5%, you do not get their penny;
housing fund: each unit 7% of your monthly payment, you pay 7%
increased housing fund: you pay per month for units of 8%, you pay 8% (this is only the general benefits of good will and some state-owned companies, and the proportion of has its own set, even now the general fund company to pay a very moral a)
dissimilar to say that social security and the relationship between a migrate tariff to pay a transfer tax in
time, is that part of the individual after deducting the gold buckle and then count the taxable base, but one thing to note, provident fund and fund more than 12% of the added parts (individuals and affairs to pay part) absence to be considered in the taxable base in the above example, say fund 7%, 8% additional fund, add up to 15%, 3% of personal deduction of part of the gold that should be considered in tax liability, while affairs that 3%, although not from the individual wage deductions, but still must be considered in the taxable base , that is, individuals for the cost of a transfer tax money pays the bill.
medical insurance to use this one, goes to private accounts for approximately a different way
Nanjing variety of love that is embodied in the monthly means, there are many places for the year included specific
so, the daily health insurance is the annual April 1 to March 31 the retinue year, when alterations in social security contribution base is resolved in mid-April on.
Medical Insurance Bureau in April 1 per person per year in Social Security detaining base of personal health insurance (that is, that 2%) into the individual health insurance card accounts, but this time there is a problem there, April 1 time, when the Social Security base has not been created, only in accordance with the Medical Insurance Bureau to prophesy that the base year of personal health insurance payments, then the inconsistency between how to do it? It is the second year of April 1 to make up a small count, or less threaten to give such a large section of the word seems to feel a lot of trouble, and that someone us, for instance
mean monthly income of 5,000 yuan 2004 , 2005 mean monthly income of 4,000 yuan in 2006, income of 6,000 yuan
Medical Insurance Bureau in April 1, 2006 to the amount of time into private accounts, social security center has not yet agreed in 2006 base pay (that is, 2005 year average monthly income), so the 2005 Medical Insurance Bureau, or base pay (that is, the average monthly income in 2004) to think the annual amount of personal accounts,
is 5000 * 2% * 12 = 1200 ,
but in fact this person this year, the amount of personal accounts should be
4000 * 2% * 12 = 960,
then this will give the 240 yuan in April 1, 2007, when net. At the same time April 1, 2007 into the account of the new year is still 960 yuan individual gold (in fact, should be 6000 * 2% * 12 = 1440 million), less to the $ 480 in April 1, 2008 up back.
so because most people are not the same base pay each year, so about everyone's account every year in March and April the aggregate digit of years to penetrate the value of the account is different, and this is done each year in the Medical Insurance Bureau generated when the price accounting.
injury there is a statute of limitations, if you sunrise July 1, 2007 a work injury, you must immediately report the unit, the evidence from police and accident narrated injuries identified after the book and you go to a doctor or a hospital medical records delivery to the unit, called the unit holding the identification of these materials to do work-related 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 daytime 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 a lot of trouble a lot of trouble
this point there is a additional, there are two ways to report injuries, one unit reporting, on and upon said the same love, valid for 30 days, there is a personal declaration, valid for one year, but due to injury or other reasons, the longer the more evidence absence of personal declaration, then the process will be postponed because they do not know a lot of time and effort.
maternity insurance, abortion, childbirth, multiple births, premature birth, and can specifically look at the following correlate, although Shanghai's policy, but in entire chapters of similarities. Shanghai and Nanjing may have alter policies, the company will not control this appearance of reimbursement, and productive women by health attention linked to instantly anchor

production in reproductive checkup during hospitalization, health care co-ordination among the coverage of all Medicare overall pay, of lesson, at their own consumption item (such as senior defense, at their own expense medicine etc) or to themselves.
Health boy, after his petition for maternity grant to Medical Insurance Bureau, Insurance Bureau to 3000 dollars
Social Security piece, to give three months of base pay plus two weeks of income
childbearing, multiple births, extra than half of
If a plus on an average monthly wage income is greater than the maximum social security contribution base, then only pay social security contribution base that the Department of
points, the recess of the
such person by the company to pay on a monthly average wage income of 10,000, the Social Security cap for the 7392 base.
then the every month income of social security to 7392, the remaining 10000-7392 = 2608 is paid by the unit.
(notwithstanding I think this, in the cloud Tell me what you is not effortless to come along =。=。。)
In fact, there are two opener areas:
1, full payment before birth 1 year
2, social security contribution base so that the normal reporting
students, especially woman students, do not you think that's the base level of reporting does not matter, even to lower his base salary and pleased hand high, this time we can see the questions now!
This is why there are so numerous women laborers low wages, but would rather linger in the local social security return in full the causes for giving birth and then leave, the one small place is not favor the case of unmarried women are not employees, and second, to maternity insurance is a lot of income complement.
For example, a natural salary of 3,000, but the declaration of social security base count her year-end premium rewards, etc. Other income,
then the monthly average may approach 5000, this time that children take a few months is the revenue in January 5000.
If you do not have this money, and eventually retired when all the money out of seemingly can not come
seemingly, is absolutely!
and fund loans to low interest rates than commercial loans and more, this is a big advantage.