Calculation of "five insurances and one gold"
Monthly payment for five insurances and one gold = payment base × payment ratio
The proportion of five insurances and one gold usually appears as a percentage. For example, endowment insurance: the unit pays 22% and the individual pays 8%; Medical insurance: the unit pays 7% and the individual pays 2%. Generally speaking, the payment base of five insurances and one gold is the monthly salary (some enterprises also pay the minimum payment base). However, if the salary is high (for example, it is more than three times the average monthly salary in your city last year), then the base is at the top. If the salary is particularly low (for example, it is lower than 60% of the average monthly salary in your city last year), then the base will also have a back cover.
Special reminder: the payment ratio of five insurances and one gold and the payment base of five insurances and one gold are not uniform throughout the country. The standards in every place are different, and there will be corresponding changes every year. Specifically, the data published by the local human resources and social security bureau and the housing provident fund management center shall prevail. The following city data are for reference only!
Payment proportion table of "five insurances and one gold" in some cities 1
Table 2 Payment proportion of "five insurances and one gold" in some cities
Payment skills of "five insurances and one gold"
1. The more you pay for old-age insurance, the more you will benefit.
At present, China's old-age insurance system takes "basic old-age insurance for employees" as the core. A sum of money is withheld and remitted by the employer every month. After reaching the legal retirement age (60 years old for men and 50 years old for women), they can receive a pension from the social security system. The state will adjust the pension through its price and overall level. The more you pay, the longer it takes, and the more you get.
2, medical insurance payment must comply with the provisions of the state.
According to the provisions of Article 27 of the Social Insurance Law, if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment has reached the number of years stipulated by the state, he will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.
3, unemployment insurance payment for one year to receive unemployment benefits.
According to Article 45 of the Social Security Law, unemployed people who meet the following conditions receive unemployment insurance benefits from the unemployment insurance fund: (1) Before unemployment, the employer and I paid unemployment insurance premiums for one year; (two) the employment is not interrupted because of my will; (three) registered unemployed and have job requirements.
Unemployed persons shall, within 60 days after leaving their jobs, go to the street and town labor and social security departments where their registered permanent residence is located to register for unemployment and go through the formalities of applying for unemployment insurance benefits by holding vocational guidance and training cards, household registration books, identity cards, certificates and photos of the termination of labor (employment) contracts or working relationships.
It is difficult to enjoy maternity insurance without a work unit.
The payment period of maternity insurance and unemployment insurance is similar, usually one year. Only after paying for one year and meeting other maternity insurance policies can you enjoy the relevant maternity insurance benefits.
During the insured period, if the wife of a female worker or a male worker is pregnant and the work unit changes, as long as the maternity insurance payment is not interrupted, it will not affect the enjoyment of maternity insurance benefits. Once the payment is interrupted, the maternity insurance benefits will be cancelled.
Therefore, the insured employees are reminded not to easily quit or quit their jobs during pregnancy or during the pregnancy of their wives until the end of maternity leave. Otherwise, once the payment is interrupted, the maternity insurance benefits that should be enjoyed will be gone.
5, 48 hours of rescue is invalid for work-related injuries.
There are certain conditions for enjoying work-related injury insurance benefits, such as being recognized as a work-related injury by the social insurance administrative department, and the disability level must be appraised by an appraisal institution to enjoy the disability benefits. If the conditions are not met or lost, the workers' industrial injury insurance benefits may be terminated or lost.
According to experts from the Social Security Bureau, the Regulations on Work-related Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued can be identified as work-related injuries. The time of death is based on the time on the death notice presented by the hospital. Those who do not meet the above conditions cannot be identified as work-related deaths.
6. Long-term use of housing provident fund is not cost-effective.
As many people know, the more housing provident fund units pay each month, the better. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account. Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In addition, the monthly deposit of housing provident fund exceeds the upper limit and is subject to tax.
Matters needing attention in the payment process of "five insurances and one gold"
1. The endowment insurance can be interrupted, and it doesn't matter if it is interrupted halfway. Finally, the accumulated years, but the more you pay, the more your pension will be.
Unemployment insurance must be paid.
3. Medical insurance is more important. The interruption of more than three months is invalid and needs to be handled again.
4. Housing provident fund means that the unit deposits the money given to you and your own money into your provident fund account, and can only withdraw it once a year. If you want to go to the provident fund center and need to buy or repair a house, you can take it yourself or entrust a unit to take it. If you leave your job, you can transfer or withdraw directly.
5. The government forces enterprises to pay for employees. If the unit does not pay for you, you can report it to the social security department. Looking for a job, in addition to asking about salary, you usually have to ask how to pay five insurances and one gold. Because you can't live without it. But five insurances and one gold actually have some secrets that you don't know. For example, pension insurance is overpaid; Medical insurance not all diseases can be insured.
The following are the secrets of "five insurances and one gold":
Shenma is five insurances and one gold: five insurances and one gold for social security, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.
Revealing the five insurance and one gold scam: Did you pay your money for nothing?
Proportion of regular payment of five insurances and one gold
Next, let's read the secret of five insurances and one gold in detail.
1, Shanwei endowment insurance: Your consumption level may drop sharply after retirement.
At present, the core of China's old-age insurance system is the basic old-age insurance for urban workers. That is, working people can deduct a sum of money from their wages every month, and they can receive pensions from the social security system when they reach the legal retirement age (60 men and 50 women).
If you graduate from university at the age of 22 and work in Beijing with the highest China Pension Development Index, the average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2065,438+065,438+0 was 4,672 yuan), and the salary base paid by the company is 8,000 yuan. According to the fixed growth rate of 5%, when you retire (60 years old), your monthly salary is 48,600 yuan. According to current standards, the pension you receive after retirement is 8624 yuan. This is only equivalent to 18% of the salary before retirement, and is lower than the national average basic consumption expenditure.
2. Shanwei Medical Insurance: Not all diseases can be insured.
Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction and mental illness are not covered by medical insurance.
In addition, if there are unfortunate traffic accidents or injuries by gangsters, these are not covered by medical insurance. Only when the public security organ proves that the injurer cannot be found can it be temporarily written off by medical insurance.
There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.
3, Shanwei city to receive unemployment benefits, must first meet the following two conditions:
1) The employer and I have fulfilled the obligation to pay unemployment insurance for 1 year according to the regulations.
2) Resign voluntarily
Then there are a lot of formalities to be done: within 60 days from the date of leaving your job, you should register unemployment with the labor security department of the street or town where your household registration is located and apply for unemployment insurance money with your vocational guidance and training card, household registration book, ID card, proof of labor (employment) termination contract or work relationship, and photos.
Pay attention to the location of your hukou, that is, if your hukou is in Gansu and people work in Shanghai, you have to go back to your hometown all the way. According to current standards, the unemployment insurance premium in most cities ranges from several hundred yuan a month, and basically does not exceed 1 10,000 yuan. The more backward the economy is, the less you can get. There is not much money, and the time to get it is not long: before unemployment, pay 1 to five years, and get 12 months at most; 5 years to 10 years, at most 18 months; If the accumulated payment time exceeds 10 year, the longest payment period is 24 months.
4. Shanwei industrial injury insurance: 48-hour life and death line.
On June 19, an article entitled "Is the death of underage migrant workers late 1 hour not a work-related injury death? The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.
They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.
In fact, disputes and lawsuits about work-related injuries have been going on. It's not just a 48-hour line. It's not that easy to identify work-related injuries.
5. Shanwei maternity insurance: there must be a unit.
Childbirth is a very private matter, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.
Maternity insurance must be paid for at least one year to enjoy it. After giving birth, we will continue to pay the fees. If you don't pay, you won't enjoy the benefits of family planning later.
6. Shanwei housing provident fund: it is not worthwhile to use it for a long time.
As many people know, the more housing provident fund units pay each month, the better, which can be used to buy houses and decorate in the future. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account.
Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In the case of increasing inflation, it is obviously not as good as self-investment, or even as good as one-year time deposit in banks.
Now, have you understood all these little secrets about five insurances and one gold?