Generally, you have to pay 15 years, and you can enjoy the pension for life when you retire, so people who want to get the pension must start paying before you retire. If you pay less than 15 of the pension insurance at retirement age, the state will return all the 8% pension saved in your personal account to you when you retire. Where is the 2 1% paid by the company? The state has allocated 2 1% of the money paid by the unit for you to the national pension fund. According to national 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.

medical insurance

The unit pays you 9% per month, and your personal monthly payment is about 2% plus 10 yuan's serious illness coordination. Co-ordination of serious illness is only hospitalization, and the state will put your own 2% into your medical insurance account every month in that 1 1%. If you pay social security according to the minimum base 1369 yuan every month, then 6543. employment injury insurance

I don't use it much. I need to remind you that this insurance will be used if something happens at work or when I go to work. 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 after work, you should call the police quickly and let the police investigate the records and take photos to collect evidence. The police will give you an accident appraisal certificate after handling it, and you can take it to the unit to ask for a work-related injury report. If something happens to you, you just let people get away. You didn't call a witness or call the police. Generally, it won't be recognized as a work-related injury, and there is no evidence. There is also a time limit for work-related injuries. If you have a work-related injury on July 1 2008, you must report it to the unit immediately, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of your medical treatment or hospitalization after the work-related injury to the unit, and ask the unit to take these materials for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August, 2008 1. If it is more than one month from the date of your work injury, if your company does not give you an appraisal, you can take the materials to the appraisal center for appraisal, preferably not more than one month, otherwise it will be very troublesome.

employment injury insurance

I don't use it much. I need to remind you that this insurance will be used if something happens at work or when I go to work. 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 after work, you should call the police quickly and let the police investigate the records and take photos to collect evidence. The police will give you an accident appraisal certificate after handling it, and you can take it to the unit to ask for a work-related injury report. If something happens to you, you just let people get away. You didn't call a witness or call the police. Generally, it won't be recognized as a work-related injury, and there is no evidence. There is also a time limit for work-related injuries. If you have a work-related injury on July 1 2008, you must report it to the unit immediately, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of your medical treatment or hospitalization after the work-related injury to the unit, and ask the unit to take these materials for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August, 2008 1. If it is more than one month from the date of your work injury, if your company does not give you an appraisal, you can take the materials to the appraisal center for appraisal, preferably not more than one month, otherwise it will be very troublesome.

Maternity insurance,

Nanjing has implemented the new policy since June 2008 1. 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 expenses will be settled with the medical insurance center in real time from the beginning of card establishment to the end of giving birth to your child. Individuals only need to bear the cost of maternity insurance. As for how to issue maternity allowance, it may still need to be handled by the unit. Please consult the labor and social security department for details. Look at the old policy again, because it was July, and the New Deal stipulated that cards should be built before June. Maybe some comrades still need to know. For example, if you are a girl, your monthly salary is 1 0,000 yuan, and you started to pay maternity insurance in June 2008 1, and the payment base is 1 369, but you were pregnant in March 2008, and at the end of June 2008, it was 65,438+2, and in 2009, it was 65,438. 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 records+all invoices for building a large and small card check and hospitalization surgery fees+hospitalization list+discharge summary to the company. If the pregnancy test costs 500 yuan when giving birth to a child, and the hospitalization expenses and operation expenses cost 2000 yuan, generally speaking, within the scope of medical insurance, the company can basically reimburse you. The money given to you after reimbursement includes: 500 examination fee +2000 hospitalization operation fee+65,438 yuan +0.369 yuan/month ×4 months = 7,976 yuan, 65,438 yuan +0.369 yuan/month × 4 months, and the medical insurance center specially subsidizes the girls who are reimbursed. Only girls can get the average salary of 4 months when maternity insurance is reimbursed, so you can earn 4 months' salary without spending money! If your basic salary is higher than your salary, for example, 1000 yuan is 1369, then you still make money. Maternity insurance must be paid for one year to enjoy, remember to remember. In addition, there is another 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 have 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 last example, you can only reimburse 500 inspection fee+half of 2000 hospitalization fee = 1250 yuan, and the subsidy is 1369 yuan/month ×4 months. This is for girls to enjoy when they are reimbursed. For the same expenses, girls can get 7976 yuan reimbursement, while boys can only get 1250 yuan reimbursement, which is probably a rare policy of "discriminating against men" in China. Therefore, it is best for girls to make plans before giving birth and start looking for a company to pay maternity insurance one year in advance, so that they can make money! If a boy wants to marry a wife, he'd better marry a girl who paid maternity insurance for one year when she gave birth, and her 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 newspaper's expenses.

Unemployment insurance,

You have to pay for a year to enjoy it. Generally 1 year can take two months, two years can take four months, but a lifetime can take up to 24 months. The monthly standard of unemployment insurance in Nanjing is 60 1 yuan, and the minimum standard in urban area is 5 18 yuan. If you started to pay insurance on June 5438+1 October 20081and were dismissed by the company on June 5438+1October 2009, you can ask the company to give you unemployment insurance for two months. If you paid insurance based on 1369 this year, you can get at least 1000 yuan in two months, or you started to pay insurance on 1 in June 2008, and your contract with the company expired on 1 in June 2009. If you don't want to renew your contract, you can also ask the company to provide you with unemployment insurance for two months and then leave your job, which is also more than 800 yuan. In other words, when the contract expires or the company dismisses, you can ask the company to pay you unemployment benefits in proportion to two months a year. If the company doesn't help you, you can sue. However, if you resign before the expiration of the contract, even if you have paid 1 year, you will not enjoy unemployment insurance. As long as you resign, don't pay 1 year. Even if you pay1year unemployment insurance, you won't get a penny until you resign.

Housing accumulation fund,

If you pay 300 yuan into the provident fund every month, the company will also pay 300 yuan into your account every month. When you buy a house, it will be 600 yuan. If you pay 50,000 yuan in your life, you will have 65,438+10,000 yuan in your account. Don't refuse such a good thing. Provident funds can be used to buy a house, repay loans, decorate and so on. If your family can find a place to build a house, the money for building a house can also come from the provident fund. If you don't use the money all the time, it seems that you can withdraw all the money when you finally retire.