1. Pension insurance
Individuals pay 8% of the base salary, enterprises pay 20% of the base salary, and individuals pay to the legal normal retirement age.
2. Medical insurance
The salary base paid by the enterprise is 10%. When an individual falls ill, the expenses shall be paid by the basic medical insurance pooling fund and individual account. Medical expenses that exceed the qifubiaozhun of the basic medical insurance pooling fund and should be borne by individuals in proportion. The insufficient part of personal account shall be paid by myself.
3. Unemployment insurance
Individuals pay 0.5% of the salary base, and units pay 65438+ 0.5% of the salary base. Participate in unemployment insurance according to the regulations, and the unit and I fulfill the payment obligation according to the regulations for 1 year; Not because of my will to interrupt employment; Those who have registered for unemployment and have job requirements can receive unemployment insurance money.
Endowment insurance, medical insurance and unemployment insurance are all premiums paid by enterprises and individuals. These are all legal.
1. Beijing endowment insurance contribution ratio: 20% for the unit (of which 17% is included in the overall fund, 3% in the personal account) and 8% for the individual (all included in the personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan; Unemployment insurance payment ratio: unit 1.5%, individual 0.5%.
2. The payment amount of the three insurances varies from region to region, and the base is the total wages. Some enterprises pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department.
The three risks are not entirely borne by your company, but by yourself and your company. According to the wages of employees, the proportion of units and individuals is generally: pension insurance units bear 16%, and individuals bear 8%; 6% for medical insurance units and 2% for individuals; The unemployment insurance unit bears 2%, and the individual bears 1%.
Legal basis:
Article 2 of People's Republic of China (PRC) Social Insurance Law
The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.
Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.