Five insurances and one gold are closely related to people's lives, involving practical problems such as people's usual medical care, housing, childbirth and pension after retirement. The amount of five insurances and one gold paid by the unit to employees shall be subject to the policies issued by the local government. Then, what is the payment ratio of five insurances and one gold in Haikou? Answer for you.
1. How to determine the payment base of Haikou's five insurances and one gold?
Usually, the salary income of the previous year is the base of payment.
1. If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, the payment base shall be 300% of the local average wage of employees in the previous year;
2. If the wage income of employees is lower than 60% of the average wage of local employees in the previous year, 60% of the average wage of local employees in the previous year is the payment base;
3. If the employee's salary is between 300% and 60%, it shall be declared according to the facts. If the wage income of employees cannot be paid on time, the payment base shall be determined according to the local average wage of employees in the previous year published by the local labor administrative department.
The deposit base of housing provident fund is the average monthly salary of employees since last year, that is, the total salary last year divided by 12. Last year refers to the natural year, that is, June 65438+10 to February 65438+February of the previous year. The deposit base of housing provident fund shall not be lower than the minimum monthly wage standard of employees in the previous year issued by the municipal human resources and social security department, and shall not exceed three times the average monthly wage of employees in the whole city in the previous year calculated by the municipal government.
Two, Haikou five insurance and one gold payment ratio
1. Pension insurance payment ratio: 265438+ 0% of the unit (all included in the overall fund) and 8% of the employees (all included in the personal account).
2. Proportion of medical payment: 9% for the unit and 2% for the employees+3 yuan.
3. Unemployment insurance payment ratio: 2% for the unit and 0/%for the employee/kloc.
4. Work-related injury insurance units pay at least 0.5% for employees every month, and employees don't have to pay a penny. Work-related injury insurance determines its work-related injury rate according to the occupational scale of the unit, which is between 0.5% and 2%.
5. Payment ratio of maternity insurance: the unit pays 1% for employees every month, and employees don't have to pay a penny.
6. Housing provident fund deposit ratio: according to the actual situation of the company, choose the share of housing provident fund deposit. But in principle, it shall not exceed 12% of the average wage of employees.
The above is the payment ratio of five insurances and one gold in Haikou, and the employer pays employees five insurances and one gold according to this. For work-related injury insurance, only the upper and lower limit of payment ratio is stipulated, which is determined by the employer in combination with the actual situation. If the employer fails to pay the employee five insurances and one gold according to this payment ratio, the employee can complain to the social security department.