Revealing the five social insurances and one fund in Changsha City: It is not cost-effective to use the housing provident fund for a long time. When looking for a job, in addition to asking about salary, you usually also ask how to pay the five insurances and one fund.

Because your birth, old age, sickness and death are all inseparable from it.

But five insurances and one housing fund actually have some secrets that you don’t know.

For example, the more you pay in pension insurance, the more you get; medical insurance does not cover all diseases, etc.

The following will reveal the secrets of "five insurances and one fund" for you: 1. The provident fund ratio among Changsha's five insurances and one fund. The minimum payment ratio for the housing provident fund for units and employees in Changsha is 8%, and the maximum payment ratio is 12%.

Monthly payment amount of housing provident fund = employee housing provident fund payment base × (employee housing provident fund payment ratio + unit housing provident fund payment ratio) The housing provident fund payment ratio of employees and units is based on the ratio announced by the municipal government every year.

Housing provident fund payment objects: Units: state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, and social groups.

Employees: Employees who establish and form labor relations with the employer.

If a unit fails to register for housing provident fund deposits or fails to complete the procedures for setting up housing provident fund accounts for its employees, the housing provident fund management center shall order it to be completed within a time limit; if it fails to do so within the time limit, a fine of not less than 10,000 yuan but not more than 50,000 yuan will be imposed.

2. Social security ratio among Changsha’s five insurances and one fund Pension insurance: 20% corporate contribution ratio, 8% individual contribution ratio Medical insurance: 8% corporate contribution ratio, 2% individual contribution ratio Unemployment insurance: 2% corporate contribution ratio, individual contribution ratio

Ratio 1% Maternity insurance: enterprise payment ratio 0.7%, individual non-payment Pension insurance: enterprise payment ratio 0.5%, individual non-payment Note: Starting from March 1, the unemployment insurance premium rate in Hunan Province will be reduced from the 3% stipulated in the current regulations.

to 2%, of which the employer contribution ratio is reduced from the original 2% to 1.3%, and the individual contribution ratio is reduced from the original 1% to 0.7%.

Starting from July 1 this year, the unemployment insurance benefit standard will be increased from 80% to 85% of the local minimum wage standard.

We learned from the Hunan Provincial Department of Human Resources and Social Security that in order to effectively reduce the burden on enterprises, starting from October 1, maternity insurance premium rates will be appropriately reduced in co-ordination areas where the balance of the maternity insurance fund exceeds the reasonable balance.

Coordinating regions that meet the conditions for rate reduction should issue an implementation plan for rate reduction before the end of September. Shenma is five insurances and one fund: social security, five insurances and one fund, including pension insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance,

housing fund.

Revealing the scam of five insurances and one fund: Is your money paid in vain? The formal payment ratio of five insurances and one fund. Next, let’s explain the secrets of five insurances and one fund in detail.

1. Changsha Pension Insurance: Your consumption level may have to drop significantly after retirement. my country’s current pension insurance system is centered on the “Basic Pension Insurance for Urban Employees”.

That is, working people will have a sum of money deducted from their salary every month, and they can receive pensions from the social security system when they reach the legal retirement age (men are 60 years old and women are 50 years old).

If you graduate from college at the age of 22 and work in Beijing, which has the highest "China Pension Development Index", your average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2011 was 4,672 yuan), and the salary base paid by your employer is 8,000 yuan.

According to a fixed growth rate of 5%, your monthly salary will be 48,600 yuan when you retire (60 years old).

According to current standards, the pension you receive after retirement is 8,624 yuan.

This is equivalent to only 18% of pre-retirement salary and is lower than the national average basic consumption expenditure.

2. Changsha Medical Insurance: Not all diseases can be insured. Plastic surgery, weight loss, heightening, myopia correction, infertility, sexual dysfunction, and mental illness. Medical insurance does not cover the above medical expenses.

In addition, if you unfortunately get into a traffic accident or are injured by a gangster, these are not covered by medical insurance. Only when the public security agency proves that the perpetrator cannot be found can the medical insurance temporarily write off the accident.

There are also many restrictions on the use of medical insurance in other places.

If a sudden illness occurs in a non-residential place in China and requires emergency treatment, you can be hospitalized at the nearest hospital first, but you must report the date of hospitalization, hospital name and other information to the medical insurance agency in the insured place for record within 3 working days. After the condition stabilizes, you need to

If treatment continues, they should be promptly transferred to a designated medical institution for medical treatment.