Insurance Xiaobian helps you to answer, and more questions can be answered online.

Old-age insurance:

Generally, you have to pay for it for 15 years before you can enjoy the pension for life when you retire, so people who want to get the pension must pay it 15 years before they retire. If you have paid pension insurance for less than 15 years at retirement age, the state will refund all the 8% pension saved in your personal account to you when you retire. Where's the 21% that the company gave you? The state has allocated 21% of the money paid by the unit for you to the national pension fund. According to the state regulations, when refunding money, only the money withheld by the individual will be refunded, and all the money paid by the unit for him will contribute to the country. How is the retirement pension calculated? The algorithm of pension is very complicated, and the country will change the payment base once a year. If you are 3 years old now, your current payment base is 3, yuan, and if the retirement age is 55 years old, you must start to pay the old-age insurance before you are 4 years old. If you start to pay at the age of 3 now and pay at the age of 55 for 25 years, you must first enjoy the pension. Secondly, If the payment base of 3, yuan you paid in 25 years has become 6, yuan, then at the age of 55, you can get a basic pension of 6,× 2% = 1,2 yuan every month, which is given to you by the state. Besides, you have accumulated a lot of money in your personal account in 25 years. Just average the payment base. (3,+6,) ÷. Then you should have 4,5× 8% (the proportion of individuals who have paid endowment insurance) × 25× 12 months = 18, yuan in your personal account in the past 25 years. In addition to the previous 1,2 yuan, you can get 18, ÷ 12 = 9 yuan every month, so that you can get at least 1,2+9 yuan every month from the age of 55. In this way, in addition to your own 9 yuan each year, you will get more than 1,2 yuan every month after retirement, and your pension will certainly increase. Therefore, the more you pay for old-age insurance, the better. The more you pay, the more you will enjoy after retirement. Moreover, after the national base is adjusted every year, you will get more and more money. Now it is possible to get 1,5 yuan after paying 1, years. However, no matter where you pay the social security fee, when you retire, you can only go back to your registered permanent residence to enjoy the local retirement benefits. Therefore, people who pay social security in places with high base but enjoy pensions in places with low base will lose a lot. Why do you say that? If you worked in Nanjing when you were young, paid social security for 2 years and then retired, but if your registered permanent residence is in Heilongjiang, you must go back to Heilongjiang to enjoy the pension. If you have paid in Nanjing for 2 years, the average base is 3,, and when you retire, the contribution base in Heilongjiang is only 1,, then you can only enjoy the treatment of 1, when you retire! This is a loss! In a word, if you pay social security in a rich place but go back to a poor place to enjoy social security when you retire, you will pay a lot but enjoy very little in your life! Paying 3 yuan may only enjoy 1 yuan! This is a terrible thing, but there is nothing we can do. This is the policy of the state. Therefore, please pay attention to social security for all the places with low base but high base, such as Beijing or Shanghai. You can either pay social security in the west or move your account to Beijing or Shanghai before retirement, otherwise you will be doing a huge loss-making business in your life. Maybe you will say that if you pay in a place with a low base, you will return to a place with a high base to enjoy high benefits when you retire. Wrong! Do you think the labor and social security department will just let you enjoy it? Under normal circumstances, the government will find a reason to directly refuse your transfer! At that time, you will be smarter than you are: you can't enjoy it in Heilongjiang and you can't enjoy it in Nanjing! However, some places have some relaxed regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a place with a low base five years before retirement, and then continue to pay a high base in Nanjing for five years, and then allow you to return to Nanjing to enjoy a pension. This policy is estimated to be different in different places. Those who intend to transfer had better go to your local labor bureau to find out this problem now, so as to avoid unexpected accidents when you retire!

medical insurance

The unit pays you 9% every month, and your personal monthly contribution is about 2% plus 1 yuan for serious illness co-ordination. The serious illness co-ordination only covers hospitalization, and the country will pay your own 2% into your medical insurance account every month. If you pay social security according to the minimum base of 1369 yuan every month, then 1369×2%=27.38 yuan. It is the money that the country calls you personally every month. This money can be accumulated and directly swiped to buy medicine or see an outpatient clinic. The remaining 9% countries will take it to the medical pooling fund. According to the regulations, if you start to pay medical insurance in January 28, you can buy medicine or go to the clinic by credit card from February 28, and your hospitalization expenses can be reimbursed from July 28. If you are hospitalized on August 1st, 28, and you live in the best tertiary hospital in Nanjing, all the medicines used during hospitalization are within the scope of medical insurance, and the expenses such as surgery and hospitalization cost 5, yuan, then the medical insurance center will deduct 1, yuan at the time of reimbursement, which is the starting price. The remaining 4, yuan can be reimbursed by the medical insurance center at 4,× 86% = 3,44 yuan. Plus the previous starting price in 1 yuan, you only need to pay 1,56 yuan after spending 5, yuan, and this 1,56 yuan can also be deducted from your medical insurance card (if you don't use that card much at ordinary times), so in fact, it won't cost you much to stay in hospital. Medical insurance is much more important to us young people than endowment insurance. After all, it is too expensive to see a doctor and stay in hospital, which is also the significance of participating in social insurance. However, Nanjing stipulates that medical insurance must be paid for 25 years before you can enjoy it for life after retirement, so if you retire at the age of 55, you must start paying medical insurance at the latest at the age of 3.

Work-related injury insurance

is seldom used. What needs to be reminded is that if something happens at work or at work, this insurance will be used. However, in practice, many people do not pay attention to the preservation of evidence, resulting in their inability to enjoy work-related injury insurance, which is a pity. If you get hit by a car when you get off work, you should call the police immediately, let the police investigate the records and take photos to collect evidence. After the police handle it, they will give you an accident appraisal book and so on, so you can take it to the unit to request to report a work-related injury. If something happens to you, you just let people run away, and you haven't called a witness or called the police, it will generally not be adopted as a work-related injury without evidence. There is also a time limit for work-related injuries. If you suffer from work-related injuries on July 1, 28, you must immediately report to the unit, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of your going to see a doctor or being hospitalized after work-related injuries to the unit, and ask the unit to take these materials for work-related injuries appraisal. Your unit must send your valid materials to the work-related injuries appraisal center before August 1, 28. If it is more than one month from the date of your work-related injuries, the work-related injuries may not be appraised. If your company doesn't give you an appraisal, you can take the materials to the appraisal center for appraisal, and it is best not to exceed one month, otherwise it will be very troublesome.

Maternity insurance,

Nanjing has implemented the new policy since June 1st, 28. First, the proportion of reimbursement has increased; Second, when building a card, you must show your marriage certificate, medical insurance card and other relevant documents. All the expenses will be settled in real time with the medical insurance center from the beginning of building the card to the end of giving birth to your child. Individuals only need to bear the cost of maternity insurance. As for how to issue the maternity allowance, it may still need to be handled by the unit. For details, please consult the labor and social security department. Look at the old policy, because it is July, and the New Deal stipulates that those who build cards before June will still be implemented according to the old policy. Maybe some comrades still need to know. For example, if you are a girl, your monthly salary is 1 yuan, and you began to pay maternity insurance on January 1, 28, and the payment base is 1369, but you were pregnant in March 28, gave birth to a child at the end of December 28, and were discharged from hospital in January 29. Then, after you leave the hospital, you should quickly submit all the materials such as marriage certificate (unmarried children can't be reimbursed)+one-child certificate (generally speaking, two children can't be reimbursed)+medical record+all invoices for building a large and small card inspection and hospitalization and surgery expenses+hospitalization list+discharge summary to the company. If you spend 5 yuan on pregnancy inspection and 2 yuan on hospitalization and surgery when giving birth to a child, generally speaking, The company can basically reimburse you all within the scope of medical insurance. After reimbursement, the money given to you includes: 5 examination fees+2, hospitalization surgery fees+1,369 yuan/month ×4 months = 7,976 yuan, 1,369 yuan/month ×4 months, which is specially subsidized by the medical insurance center for girls who are reimbursed. Only girls can get the average salary of 4 months when they are reimbursed for maternity insurance, so you can earn 4 months' salary without spending money! If your base pay is higher than your salary, for example, if you take 1 yuan and pay 1369, then you still earn. Maternity insurance must be paid for at least one year to enjoy, remember to remember. In addition, there is a problem. Boys also pay maternity insurance. Can they enjoy maternity insurance? If you are a boy, your wife doesn't have a job or the work unit doesn't pay insurance, and you have paid maternity insurance for more than one year when she gave birth, then you can also reimburse maternity insurance, but in the previous example, you can only reimburse 5 check-up fees+half of 2, hospitalization expenses = 1,25 yuan, and you can't enjoy the subsidized salary of 1,369 yuan/month ×4 months! This can only be enjoyed by girls when they are reimbursed. For the same expense, girls can get 7976 yuan for reimbursement, while boys can only get 125 yuan for reimbursement, which is probably one of the rare "discrimination against men" policies in China. Therefore, it is best for girls to plan before having children, and start looking for a unit to pay maternity insurance one year in advance, so they can earn money! If a boy wants to marry a wife, he'd better marry a girl who has paid maternity insurance for one year when she gave birth and whose salary is higher than her own! But it doesn't matter if she really doesn't have insurance, you can also reimburse her for maternity insurance, but you won't get the subsidized four-month salary, and you can only get back half of the expenses of the newspaper.

Unemployment insurance,

You have to pay for one year before you can enjoy it. Generally, you can get two months for one year and four months for two years, but you can get up to 24 months for a lifetime. The monthly standard of unemployment insurance in Nanjing is 61 yuan, and the minimum standard in urban area is 518 yuan. If you start to pay insurance on January 1, 28, and you are dismissed by the company in January 29, you can ask the company to give you unemployment insurance for two months. If you pay insurance on the base of 1369 this year, you can get at least 1, yuan in two months, or you start to pay insurance on January 1, 28, and your contract with the company expires in January 29, and you don't want to renew it. That is to say, when the contract expires or the company dismisses, you can ask the company to do it for you according to the proportion of two months' unemployment benefits a year. If the company doesn't do it for you, you can sue it. But if you quit your job before the contract expires, you won't get unemployment insurance even if you have paid it for one year. As long as you quit your job, let alone pay it for one year, you won't get a penny even if you have paid unemployment insurance for 1 years until you resign.

Housing accumulation fund,

If you pay 3 yuan into the accumulation fund every month, the company will also pay 3 yuan into your account every month, which will be 6 yuan when you buy a house. If you pay 5 thousand in your life, you will have 1 thousand in your account. Don't refuse this kind of good thing. The provident fund can be used to buy a house, repay loans, decorate and so on. If your own family can find land to build a house, the money for building a house can also be paid from the provident fund. If you don't use this money all the time, it seems that you can withdraw all the money when you finally retire.

what about five insurances and one gold when you quit your job?

five risks: pension, unemployment, work-related injury, medical care and maternity

one fund: provident fund

payment standard: pension (2% for the unit and 8% for the individual)

maternity (paid by the unit)

work-related injury (paid by the unit and not paid by the individual)

medical care (1% for the unit and 2 for the individual) 1. the pension insurance can be interrupted, and it doesn't matter if it is interrupted in the middle. Finally, the accumulated years are accumulated, but the more you pay, the more your pension will be. Go through the transfer formalities: just print the transfer form in the old unit and hand it over to the new unit to continue. 2. Although unemployment insurance must be paid, it has little to do with us (if you graduated from school and belong to the cadre status, the file can be saved. We can't get unemployment benefits if we lose our jobs, unless we are crazy, we will change our cadre status to worker status, and receive retirement pension according to the treatment of workers in the future. Only the unemployed registered in the street can apply for unemployment insurance (the file of worker status is placed in the street, and the cadre status is placed in the talent or unit)

Go through the transfer procedures: we don't need to go through it, just continue to work in the new unit.

3. Medical insurance is more important, and it is stipulated that it will be invalid if it is interrupted for more than three months. If you see a doctor after three months, you have to pay for it yourself. It doesn't matter if you have a minor illness, but if you have a serious illness, you will be miserable. Those who have been interrupted for more than three months will have to go to the new unit again.

Everyone who has medical insurance has a passbook, which will be used for life. Regardless of whether the unit changes or not, the unit should put a certain percentage of money into the passbook every month, and individuals can withdraw it at any time.

Everyone who has medical insurance has a blueprint, which stipulates that the outpatient fee is more than 2, yuan. For example, if you spend 2,5 yuan, you will only be reimbursed 5%-7% of 5 yuan (different hospitals have different reimbursement rates), and if you are hospitalized, you will be reimbursed more. When you see a doctor, you should tell the hospital to make a medical insurance bill and bring it with you when you are hospitalized.

4. The provident fund unit will deposit the money given to you and your own money into your provident fund account, for example, the salary is 3, yuan, and the unit will give you 3 yuan, and you can deduct it yourself. You can only get it once a year. If you want to go to the provident fund center to get it, you need to buy a house or repair it. You can take it yourself or entrust your company to get it.

Go through the transfer formalities: first open an account in the new company, and give it to the old company, so that the old company can transfer the money from the original account to the new account.

The provident fund center will send the statement of each employee to the company every June, showing the current money in your account.

In addition, it is adjusted around April every year.

every June is the time to adjust the provident fund for the next year.

Let's talk about some irregularities in the market now.

1. Many units don't provide insurance and provident fund according to their own salary, for example, according to the average salary in Beijing, individuals suffer, so they look for a job.