Endowment insurance: the unit pays 21% for you every month, and you pay 8% yourself;

medical insurance: the unit pays 9% for you every month, and you pay 2% plus 1 yuan for serious illness co-ordination (serious illness co-ordination mainly covers hospitalization);

unemployment insurance: the company pays 2% for you every month, and you pay 1% yourself;

industrial injury insurance: the company pays .5% for you every month, and you don't have to pay any money yourself;

maternity insurance: the company pays .8% for you every month, and you don't have to pay any money yourself;

housing accumulation fund: the company pays 8% for you every month, and you pay more than 8%

. So, the social security ratio paid by the company every month should be 21%+9%+2%+.5%+.8%+8%=41.3%

The social security ratio paid by yourself every month should be 8%. The ratio of the company's contribution to your contribution should be 413:19, which means that if

you pay 19 yuan for your social security every month, the company will put 413 yuan into your social security account, and the money added to your social security account every month should be 413+19=63 yuan

, so under the condition that you can't see it, the company

Let's get back to the three insurances and one gold and five insurances and one gold. Everyone should have seen it here. In fact, the three insurances and one gold mentioned in Jianghu are completely equal to five insurances and one gold, except that the three insurances and one gold are from your personal insurance (pension+medical care+unemployment+provident fund), and the five insurances and one gold are from your company (pension+medical care+unemployment+). It's just nice to say that three insurances and one gold are five insurances and one gold.

besides the company can pay social security for you, in fact, people who have no job but earn money, or people who have a company but don't pay social security can also pay social security by themselves

, but individuals can only pay pension insurance+medical insurance, work-related injuries, maternity, unemployment and provident fund, and you can't pay it personally.

Let's introduce what is the base of social insurance payment.

Just now, we all know that the proportion of social insurance paid by the company and that paid by you is almost 413:19. Then

Now there is another question: What is the relationship between the social insurance premium paid by yourself every month and this proportion? How is the social insurance premium determined?

You may not have noticed that every province and city publishes a "minimum payment base of social insurance" in early July every year. This base number is determined according to the average salary, welfare and various subsidies of employees in the previous year after statistics and calculations. The minimum base announced in Nanjing in July this year is 1,189 yuan. What does this mean? It means that as long as Nanjing is positive, The money paid for each employee every month is at least 1189×41.3%=491 yuan, and the employee has to pay at least 1189×19%+1=236 yuan every month, so that the social security fee that you and the unit should pay every month will come out.

But now there is a new problem. The wages of employees in Nanjing are very different. Some people get 1, yuan a month, while others can get

1, yuan a month. Does it mean that both those who get 1, yuan and those who get 1, yuan pay the same social security fee?

please note that this 1189 is the minimum base, and there is a maximum base above 1189. The maximum base in Nanjing this year seems to be more than 8,

. I also forgot the details. Anyway, if your salary is below 1,189 yuan per month, your company must pay 1

189×41.3%=491 yuan for you. This is the significance of taking 1189 as the minimum payment base of social security: even if you get 1 or 8 yuan a month, you must pay at least 1189 per month.

But if your salary is higher than 1189, for example, if you get 3, yuan a month, then when your company goes to the Labor Bureau to pay insurance for you (both your company and the social security fee you paid are deducted by the Labor Bureau), you should say to the Labor Bureau, "Yeah, we have a colleague here who wants to get 3, yuan a month. Please deduct the social security fee according to the standard of 3, yuan ".Then the Labor Bureau will deduct your company and your money based on 3, yuan

and then transfer it to your social security account. At this time, your company should pay 3,×

41.3% = 1,239 yuan for you every month, and you should pay 3,× 19%+1 = 58 yuan every month. If your salary is 1189 yuan

, then you should pay according to your actual salary every month, unless your salary is higher than the maximum base, and if you get

1 yuan a month and the maximum base is 8 yuan, you and your company should pay 8 yuan

here to expose the shameless practices of some companies, which may give you thousands of salaries every month. However, when they go to the Labor Bureau to declare your base, they will not report it according to your actual salary. For example, if you get 3, yuan a month, they may say that you only get 1,189 yuan when you go to the Labor Bureau, and then the Labor Bureau only deducts 1,189 × 19%+1 = 236 yuan from you every month. I'm afraid you are still very happy because you think that the money deducted from you is small. If so, your company is shameless! Because the company pays more than twice as much as you, the less you pay, the less they pay. If your actual salary is 3, yuan, they should pay you 3,× 41.3% = 1,239 yuan of social

premium every month, while if you calculate it according to 1,189 yuan, they only pay 1,189× 41.3% = 491 yuan for you every month! So in fact, you suffered a big loss! Regular companies will only report to the labor bureau according to your actual salary and deduct the money! Only those cheap companies will not

pay you according to the minimum standard regardless of your salary! ! Don't think that the less you deduct from your social security fee every month, the better! ! Maybe

you have been shamelessly bullied by the company and you have no idea! ! !

It's very simple to determine what the company pays for you: if you deduct 3 yuan of social security every month, your base

is almost 3÷19%≈1578 yuan. See if your salary is this number. If your salary is obviously higher than 1578, for example,

you actually get 3 or 4 yuan every month, then you are sure. After being bullied, you can go to the local

labor inspection brigade to sue your company. Generally, it is accurate to sue once, but it is best to find the evidence (such as salary slips, etc.) when you leave your job. Otherwise, you will not be able to get along with the company after you sue-+

Again, the proportion of social security is different in different places. If you are not in Nanjing, your contribution ratio is likely to be < So

Although 19% is the proportion of Nanjing, students from other places can also calculate their own base based on this.

Let's introduce the specific situation of these social insurance premiums and how to use them.

As mentioned earlier, Social insurance = endowment insurance+medical insurance+industrial injury insurance+maternity insurance+unemployment insurance+housing accumulation fund

Let's talk about endowment insurance first

Generally, this insurance will be paid for 15 years before retirement, so students who want to get a pension

Please start paying it 15 years before their retirement. This is almost the same outside Nanjing.

If you have paid the old-age insurance for less than 15 years at retirement age, the state will refund all the 8

% of the pension saved in your personal account to you when you retire.

Then you will ask, where did the 21% paid by the company go?

You can't expect the state to give it to you. After you retire and take away your personal money, the state will transfer all 21

% of the money paid by the unit to the national pension fund, and this money has nothing to do with you anymore.

You may say: Holy shit! That's my money. Why don't you give it to me?

Because that's what the state stipulates.

When returning money, only the money withheld by the individual is returned to the individual, and all the money paid by the unit for him has contributed to the country-

Let's take a look at how the pension is calculated when you retire.

The algorithm of pension is very complicated, because the state will change the payment base once a year. For example, if you are now 3 years old, Your current payment base is 3, yuan, and if the retirement age is 55, you must start to pay

the old-age insurance before you are 4. If you start to pay from 3 now, it will take 25 years to pay 55, then you can definitely enjoy the pension

. Secondly, if the payment base of 3, yuan you paid after 25 years has become 6, yuan (I). Then when you are 55 years old, you can get a basic pension of 6×2%=12 yuan each month, which is given to you by the state. In addition, the money in your personal account has accumulated a lot in 25 years. Just average the payment base, (3+6)÷2=45. 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, so you can get 18, ÷ 12 = 9 yuan every month in addition to the previous 1,2 yuan, which makes you 5

. Of course, the country's base is still rising every year.

In this way, besides your own 9 yuan every year, you will get more money than 1,2 yuan every month after retirement, and your pension

will certainly be more and more.

So the more you pay for old-age insurance, the better. The more you pay, the more you will enjoy after retirement. Moreover, after the country adjusts the base every year, you will get more. Now it's possible to get 15 yuan after paying 1 years.

Here's an abnormal policy, that is, no matter where you pay social security fees, when you retire, you can only go back to the place where your

registered permanent residence is located to enjoy the local retirement benefits. So, people who pay social security in places with high base but retire to places with low base

can enjoy the pension. Why do you say this? Let me give you an example. If you worked in Nanjing

when you were young, you paid social security for 2 years and then retired, but if your household registration is in Heilongjiang, you must go back to Heilongjiang to enjoy the pension

. If you paid in Nanjing for 2 years, the average base is 3, (I said if), and when you retired, the

payment base in Heilongjiang was only 1, (I said that 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 in your life but enjoy very little. 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 country. Therefore, please pay attention to all students who are currently registered in places with low base, such as the west, but work in places with 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 are doing a huge loss-making business in life

Then maybe you will say, Do you think Nanjing Labor Bureau will just let you enjoy it? In general, Nanjing 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 the Black Dragon

River, 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 before it allows you to return to Nanjing to enjoy a pension. This

policy is estimated to be different in different places. Students who plan to transfer in the future had better go to your local labor bureau to find out this problem now

so as to avoid your unexpected retirement.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.