Please
reproduced later to find that the province, and convenience to us, more convenience. Welcome reproduced ah! -
ratio of the specific form of social security: -
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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 seriously ill hospitalized this );-
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unemployment insurance: you pay per month for units of 2%, you pay 1 %;-
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 0.8%, and you do not get their own dime; -
Housing Fund: Unit for you to pay 8% per month, you pay 8% -
above, so doing, the units each month to pay for your social security ratio should be 21% +9% +0.5% +0.8% +2% +8% = 41.3% -;
you pay each month for your social security ratio should be 8% +1% +2% +8% +10 block = 19% +10 Block -
temporarily remove you pay 10 dollars aside, the proportion of units of payment and you pay for the 413:190 ratio should be, which means that if your monthly Social Security for their own paid 190 dollars, then the unit will go to your Social Security account to break into 413 dollars every 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 ah ~ units you want to know a lot more than you pay for it, in fact distressed units. -
words back to the three gold and five insurance insurance for a gold, here you should have seen, in fact, said the three lakes on the total risk is equivalent to one gold and one gold, five insurance only one gold and three insurance pay from your personal insurance (unemployment + pension + medical + provident fund) for the five risk a gold cross from your unit's 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 the pension insurance + medical insurance, birth injury ah ah ah unemployment fund it, you do not personally have to pay up. -
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Here what is social security contributions under the base -
we already know each month just to pay the social security unit of proportion and you pay almost the 413:190 ratio, then and now out of the question: his monthly pay social security charges and what relationship does this ratio, 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 publish a \ kinds of subsidies and other assorted costs calculated through the statistics and determine the future, Nanjing announced in July this year, the minimum base is 1189 yuan, which is what this means, which means that as long as the formal Nanjing to pay social security for workers unit, per month for the money to pay each worker 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, Nanjing, wages vary greatly, someone get 1000 a month, someone could get 10,000 a month, do not get called to get 1000 and 10000 are social security to pay the same fee? -
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 forget, anyway, if your 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, as the significance of the minimum social security contribution base where the a: 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 pay higher than 1189, for example, you get 3000 a month, that unit to the Bureau of Labor Insurance when you pay (your unit and your social security costs are paid Bureau of Labor buckle oh) to the Bureau of Labor should, said: \ To pay the base unit and to deduct your money and then you hit your social security account, and your unit at this time should you pay each month to 3000 × 41.3% = 1239 yuan, and you personally pay 3,000 a month on × 19% +10 = 580 元 -
means that if you pay less in 1189 yuan, then by 1189 you'll pay each month; If your wages in 1189 yuan or more, then you will follow your every month real wages to pay, 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 to have to pay in accordance with the 8000 -
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 the way you 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 the less money you think your deduction, you actually get our hands on more money -
wrong! If this is your company too outrageous! because the company paid 2 times your money more, so the less you pay the less they pay! If real wages in 3000 according to your calculation, They pay you every month of the 3000 × 41.3% = 1239 yuan social security charges, and in accordance with the 1189 to count, they pay you every month 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 will be perishable matter how high you are in accordance with the minimum standards for wages you pay!! do not think that your social security every month fees deduction, the better!! You may have been shamelessly bullied by the company and you also knew nothing !!!-
units for you to determine the base pay in the end how much is simple: if you buckle 300 a month social security, your base is about 300 ÷ 19% ≈ 1578 million, you look at your salary 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 labor monitoring group report your unit, generally come to an associate, but the best time of separation to 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 shows that the proportion of various parts of the social security constitute not the same, if you do not pay your proportion of Nanjing that is probably not 19%, but certainly not big change, such as your base may be 20% or 22%, but it is not 30% or 40%! Therefore, although the proportion of 19% of Nanjing, but foreign students can probably figure out by the base of their own -
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 -
first talk about the good old-age insurance -
generally required to pay the insurance
over 15 years to retire to a pension for life, so be sure to want to take a pension in their retirement students 15 years ago before the start pay, this is almost the same way other than in Nanjing under: -
If you go to pay pension retirement age of 15 years, that country until the time you retire will keep your personal account for 8% of the pension back to you all -
you may 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 own money away, the State put unit is 21% of your money to pay all the pension scheme to the whole fund in the country, and from this relationship between money and you never got a -
you may say: I rely on! it was my money why do not you give me -
because the state is so specified -
refund your money back when the only deduction to individuals of his own personal money to pay the unit for him all the money to pay for the country to contribute to a - -
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below when we look at your retirement pension is calculated how the -
pension algorithm is complex, because the state each year to pay a base of, for example about it: If you are 30 years old, your current base pay 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 30-year-old if you start now from the cross, handed 55-year-old is 25 years, then sure you can enjoy the first pension benefits, and secondly, if you pay after 25 years of the 3000 block of base pay has become a 6000 (I said if), you first of each month at the age of 55 can get 6000 × 20% = 1200 the basic pension,
belstaff motorcycle jackets, which is to your country, in addition to your personal account, the money accumulated in 25 years has 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 pre-1200 you each month can get the 108000 ÷ 120 = 900 blocks, the age of 55 a month so you can get at least 1,200 +900 = 2,100 pension, of course, still the base of each country to rise, so in addition to your own 900 per year blocks, you get every month after retirement more money than 1200, your pension will be more and more of course -
So pay old-age insurance to pay the better,
belstaff jackets sale, the more you pay after you retire to enjoy the more, and the state after the base year to adjust the money will get you More and more, and now 1000 years after the delivery is possible to get 1500 -
here to introduce a policy of metamorphosis, that is, no matter where you pay social security fees, etc. When you retire you can return to enjoy the local location of your retirement account treatment, so run, to pay a high place in the base But back to the low base of social security retirement pension where the people enjoy it a big loss, Why? me give an example, if you're young in Nanjing, to pay social security for 20 years and then retired,
belstaff panther jacket, but If your account in Heilongjiang, Heilongjiang then you must return to a pension. If you pay in Nanjing for 20 years, the average base is 3000 (I said if), and when you retire until 1000 in Heilongjiang's contribution base (I said if) , then you can only enjoy when they retire the treatment of 1000! 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 lifetime However , few of the many to enjoy! delivery 3000 may only enjoy the 1000! This is a terrible thing, but no way is this policy of the State, so all current accounts and other low base in the western areas, but in Beijing or Shanghai and other areas of high base pay social security work of the students pay attention, you can either pay for social security in 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, the sale of this - \ / p>
that you might say, if my account in Nanjing, then I pay for 20 years in Heilongjiang like the Well, where in the low base pay, retire back to the base a high place to enjoy 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 s wisdom miss: can not enjoy in Heilongjiang, in Nanjing, also can not enjoy! But some places like the situation has eased some of the provisions, such as Nanjing, allowing you to 5 years before retirement place back from a low base in Nanjing, and then continue in Nanjing 5 years to pay the high base in Nanjing, then 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, so When you retire an unexpected accident happens! -
Here to talk about health insurance -
the risk fairly good national policy is important to a lot of hospital reimbursement. -
said the unit before you pay monthly health insurance is 9%, your monthly health insurance probably pay 2% plus 10 dollars for serious co-ordination, co-ordination of this illness simply whatever else you are hospitalized, 11% in that country every month to play with your health care account for 2% of your own, according to 1189 yuan per month if you are a minimum base pay social security, then the 1189 × 2% = 23.78 元 is the country every month call your own money, the money you can accumulate 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, then starting from the February 2007 credit card you can buy medicine, or out-patient services, from 7 in 2007 from your monthly expenses to be reimbursed the hospital, the newspaper quite complex, for example good: -
If you August 1, 2007 in the hospital, lived in Nanjing, the best three hospitals, health care during hospitalization are used within the scope of medicine, surgery + hospitalization It took a total cost of 5,000 yuan, then the reimbursement when the medical center first net 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 element can be, with prices starting at 1,000 yuan before, you spend 5000 to pay 1560 yuan for himself as long as can be, and this 1560 yuan also deducted from your health insurance card (if you usually do not use that card), so in fact you can not spend much money residents -
health 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, but health insurance must be submitted in Nanjing 25 years to enjoy life after retirement, so if you retire at age 55, then no later than the age of 30 must begin to pay health insurance out -
Here to talk about injury insurance -
the risk tends to be used less in practice, I do not have many contacts, need to remind you that when you work or if the time to work out what had happened, the risk to need them a -
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 great pity if you arrive when they were hit by a car, you should Sign alarm , 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 to requests for work-related injuries reported that if something happens to you so casually and does not find people to run the police is not what the witness, the case of no evidence that the general will not be accepted as an industrial injury -
injury there is still time problem, if you July 2007 1 Sunrise injury,
belstaff sale, you must immediately reporting units, the police issued identification evidence and the accident book and you out of work-related injuries later to see 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 out of work-related injuries from days over 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 Trouble -
Here to talk about maternity insurance -
This is also a good example, if you are a girl, a month salary of 1,000 yuan, January 1, 2007 begin to maternity insurance, whereby the base is 1189,
outlet belstaff, and you are 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 (not the reimbursement of an unmarried mother) + child certificate (2 tires generally reimbursed Health not) + size chart + checkpoints and hospital construction and operation costs of all invoices + list + hospital discharge summary of all materials submitted to these companies, they can check if you are pregnant take a 500 block, when the children spent a surgical hospital + 2000, in general, within the provisions in health insurance can give you basically all the claims, claims to give you the money later, including: +2000 500 inspection fee per block of inpatient surgery +1189 / month × 4 months = 7256 Block, 1189 yuan / month × 4 months, which is specifically for the reimbursement of the medical center -
subsidies girls, only women can get the reimbursement to the -
maternity insurance reimbursement for the state 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 Your base pay than high wages , such as the cross is to get 1000 1189, then you have earned 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 to pay maternity insurance Yup Can you boys enjoy the maternity insurance do? -
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 have also been more than a year, then you can Oh maternity insurance reimbursement, but to the previous example for example, you can only check fees reimbursed 500 inpatient surgery +2000 half block = 1,250 yuan, 1,189 yuan of subsidies / month × 4 months of salary you will not enjoy it! This is the only girls can only be reimbursed when oh enjoy the same cost, reimbursement will be able to get 7,256 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 a maternity insurance and the payment of base salary is also higher than her own girl 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 the cost by half. -
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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: - \ / p>
If you January 1, 2007 began to pay insurance, in January 2008 the company laid off you are, you can allow the company to get you 2 months of unemployment insurance, if this year you are base in 1189 to pay the insurance , then you can get at least 2 months more than 800 dollars or you January 1, 2007 began to pay insurance, in January 2008 and the company you contract expired, 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, but also more than 800 pieces -
expiration of the contract or company that is 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 year, that is, 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 to your account each month to hit 200, you buy a house that is 400 times the 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, and that the money to build a house where you can pay from the fund - \ p>
If you do not have the money, when they finally retire all of the money seems to come out -
[Advanced article] is that the supplement and Nanjing different places now, and the devil are not allowed to non-payment of medical insurance, that includes old-age social security center that a birth injury medical unemployment asked the companies together received , but added the taxpayer may pay the provident 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 %;-
health 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: 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 the general effectiveness of state-owned enterprises will be some very good, and the ratio has its own, the general fund even if the company is paying a moral of the) -
also say that a transfer tax and social security relations -
pay a transfer tax at the time, 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) is also need to count in the taxable base, said the fund such as the above 7%, 8% supplementary fund, 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, enterprises that 3%, while wages are not deducted from the individual, but still have to count in the taxable base, that is, individuals for the cost of a transfer tax money pays the bill. -
medical insurance to use this one, throughout the rest goes to personal accounts in different ways -
the kind of love that is the month included ways of Nanjing, there are many places year included -
Specifically, this is the
, health care is the year 1 April each year to 31 March the following year, while 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 individual health insurance 1 year (that is, the 2%) into the individual health insurance card account, but this time there is a problem, April 1 when the base year 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 -
may be such a large segment of the word
look will be very much trouble, that we, for example -
average monthly income of a person 5,000 yuan in 2004, 2005, average monthly income of 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, the average monthly income in 2005), the Medical Insurance Bureau, or the 2005 the contribution base (that is, the average monthly income in 2004) to calculate the amount of personal accounts throughout the year, -
is 5000 * 2% * 12 = 1200, -
but in fact the person the amount of personal accounts for the year should be 4000 * 2% * 12 = 960, -
then this will give the 240 yuan 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, and this is done each year in the Medical Insurance Bureau generated when the cost accounting. -
injury there is still time problem, if you July 2007 1 Sunrise 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 delivery 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 out of work-related injuries from the days of 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 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 due to injury or other reasons, the more the longer the lack of evidence, personal statements, then the process will be delayed 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 directly linked by a health insurance check in the production of hospital birth, health care co-ordination are within the scope of health care overall pay, of course,
belstaff blouson, 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, to give 3 months base pay plus half of the income of childbirth, multiple births, more an additional two weeks. -
previous years if the average wage income is greater than the maximum social security contribution base, then the social security contribution base pay only that portion, the remaining payment of such person by the company on a monthly average wage income 10000, social security cap for the 7392 base. Then the monthly income of social security to 7392, 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 think the company to give you the base 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 , and secondly, maternity insurance income is a lot to add. -
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 a child is to take those months from January 5000 income. -
If you do not have the money, when they finally retire all of the money seems to come out, not seemingly, is absolutely! And the provident fund loans with low interest rates than commercial loans, and this is a big advantage. -
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was wonderful to share to friends and classmates -
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