What is the contribution ratio of provident fund units and individuals?
The contribution ratio of company provident fund and individual provident fund is different in different cities, but in principle, the maximum contribution shall not exceed 12% of the average salary of employees.
1. Pension insurance payment ratio: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account).
2. Proportion of medical insurance payment: unit 10%, individual 2%3 yuan.
3. Unemployment insurance payment ratio: unit 1%, individual 0.2%;
4. Payment ratio of work-related injury insurance: the unit pays 0.5% per month, and the individual does not pay;
5. Maternity insurance payment ratio: the unit pays 0.8% per month, and the individual does not pay;
Punishment for employers who do not pay social insurance
If the employer fails to pay social security, it may be punished according to the relevant conditions of the Social Insurance Law. The employer must apply for social insurance for employees. Article 84 of the Social Insurance Law stipulates that:
1, if the employer fails to apply for social insurance registration, the social insurance administrative department shall order it to make corrections within a time limit;
2. If no correction is made within the time limit, the employer shall be fined more than one time and less than three times the social insurance premium payable;
3. The directly responsible person in charge and other directly responsible personnel shall be fined from 500 yuan to 3000 yuan.
If the employer fails to pay social security, can employees resign at any time?
Yes, Article 32 of the Labor Law stipulates that a worker may terminate the labor contract with the employer at any time under any of the following circumstances.
1. If the employer fails to pay the labor remuneration in full and on time, it will not pay overtime wages in arrears.
2, the employer fails to pay social insurance premiums for workers according to law.
3. The employer fails to provide labor protection or working conditions as agreed in the labor contract. If the employer changes the work place, post and working hours without prior consultation with the employees, then the two sides are deadlocked and the employees can take the initiative to terminate the labor relationship.
4. If the rules and regulations of the employing unit violate the provisions of laws and regulations and damage the rights and interests of workers, if the rules and regulations of the unit stipulate that all employees work overtime on weekends, and failure to work overtime is regarded as absenteeism and damages the rights and interests of workers, the workers may propose to terminate the labor relationship at any time.
5. The employer uses fraud, coercion or taking advantage of others' danger to make the laborer conclude or change the labor contract against his true meaning. If the laborer wakes up afterwards, he can terminate the labor contract at any time.
In addition, if the employer forces the laborer to work by means of violence, threat or illegal restriction of personal freedom, or if the employer illegally directs or forces the risky operation to endanger the personal safety of the laborer, the laborer may immediately terminate the labor contract without notifying the employer in advance.
The proportion of housing provident fund paid by most ordinary private units for employees is generally not as much as 12%. Perhaps in some places, employers are required to pay the housing provident fund at least 5% of their wages, so there is no uniform regulation on the proportion of the provident fund. In addition, industrial injury insurance and maternity insurance are paid by the employer.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 18 The deposit ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year, and the deposit ratio may be appropriately increased. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.