Social security proportion:

Old-age insurance: the company pays 21% for you every month, and you pay 8% yourself;

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

unemployment insurance: the company pays 2% for you every month, and you pay 1% yourself; /Work-related injury insurance: the company pays .5% for you every month, and you don't get any money from them. < P > Maternity insurance: you pay .8% for your unit every month, and you don't get any salary for your own value; Housing accumulation fund: the unit pays 8% for you every month, and you pay more than 8% < P >. In this way, the proportion of social security paid by the unit for you every month should be 21%+9%+2%+.5%+.8%+8% = 41.3% < P > The proportion of social security paid by yourself every month should be 8%+2%+1 pieces. The ratio of the company you pay $1 to your contribution is 413:19. This means that if your monthly salary is $19 for your social security, 413+19=63 yuan, then the company will pay your social security account for $413, and you should add money to your social security account every month < P >. Therefore, if you can't see that the company pays more than twice the social security fee, you should pay the social security fee every month.

When talking about three insurances, one gold, five insurances and one gold, we should see that in fact, to insure rivers and lakes, the fund is completely equal to five insurances and one gold, and only three insurances and one gold are paid from your individual (pension+medical care+unemployment+provident fund)

five insurances and one gold are paid from your company (pension+medical care+unemployment+maternity+) All insurance

is divided into five insurances and one gold, which actually just sounds good.

In addition to the company paying social security for you, in fact, individuals or units who have no job but earn money, but those who don't pay social security in the company can pay social security, but individuals can only pay pension insurance+medical insurance, and work-related injury and maternity unemployment accumulation fund, and you don't have to pay it.

What is the social insurance base?

As we already know, the social security unit pays a ratio of nearly 413:19 per month.

Now there is a problem: What is the relationship between social security costs? How to determine his monthly social security fee and this ratio?

The early minimum payment base of social insurance in various provinces and cities is released every July. We may not know that the base

is based on the average wage of workers+welfare+various subsidies and other miscellaneous expenses in the previous year. After statistics and calculation, Nanjing announced that in July this year, the minimum base was 1,189 yuan. What does this mean? It means that as long as the regular units in Nanjing pay at least 1189× 41.3% = 491 yuan for the money paid by each employee every month, and the workers have to pay at least 1189× 19%+1 = 236 yuan every month, you should pay the social security fee and come out.

But now there is a new problem. The wages of workers in Nanjing are very different. This is 1, yuan a month. Some people can get 1, yuan a month. Do you want to pay the same social security fee as 1, yuan? Please note that 1189 is the minimum base, which is higher than the maximum base of 1189. The maximum base of Nanjing this year seems to be more than 8,, which I have forgotten. Anyway, if your salary is around 1189 yuan per month, the unit must pay for you according to 1189 yuan 1 < P > 18941.3% = 491 US dollars, and you will have to pay at least 1,189× 19 per month.

But if you pay more than 1,189, for example, if you get 3, yuan a month, the insurance paid by the labor bureau of this unit (both your unit and your social security fee are deducted by the labor bureau) should say to the labor bureau, "Yay, our comrades here get 3, yuan a month, which will be deducted according to the standard of 3, yuan." Pay to deduct 3, yuan from your company and the Labor Bureau and then transfer it to your social security account. The company should pay you 3,× 41.3% = 1,239 dollars per month, and you pay 3,× 19%+1 = 58 yuan for one month, which means that if your monthly salary is below 1,189, then if you pay more than 1,189 yuan per month, Unless your salary is higher than the maximum base, if you need 1, yuan a month, and the maximum base is 8, yuan, you and your company will expose the bad practices of some enterprises according to the post-8,

here. These companies may earn thousands of dollars a month, but they go to work

> The mobile bureau will not report your base according to your actual salary. For example, if you pay 3, yuan a month, they may say that you only get 1,189 yuan when you go to the labor bureau, then the monthly bureau labor will deduct you 1,189× 19%+1 = 236. I'm afraid you will be very happy, because you think you are hiding less money, but you actually get more money. Wrong! If this is your company, it's outrageous! The money paid by the company is more than twice as much as yours, so you pay less. Their pay is less than your actual salary of 3, yuan. The social insurance premium you pay this month is 3,× 41.3% = 1,239 yuan. According to 1,189, only 1,189× 41.3% = 491 is paid for you every month! So, you actually suffered a great loss! Regular companies only deduct money according to your actual salary, as reported by the Labor Bureau! Only these companies will mainly show that no matter how high you are, you will pay according to the minimum standard! Don't think that you may have been shamelessly bullied, you have no idea! Less social security fee every month!

to make sure that the company pays you in the end, the base is very simple: if you deduct 3 yuan of social security every month, your base is almost 3 ÷ 19% ≈ 1578. Look at your salary. If you pay significantly more than 1578, if you actually get 3, or 4, yuan every month, it must be that you are bullied, and you can go to the local area. But the best evidence (such as payroll, etc.) is to find a good report, and then the report can't be mixed up in the company -+

When you leave, the proportion of each part that constitutes social security again is different. If you are not in Nanjing, your contribution rate may be 19%, but it is definitely not a big change. For example, your base may be 2% or 22%, but it is definitely not 3% or 4.

Although 19% is the proportion of Nanjing, foreign students can also roughly calculate their own bases based on this.

Here are some details of these social insurance premiums and how to use them.

As mentioned earlier, social insurance = old-age insurance+medical insurance+industrial injury insurance+maternity insurance+unemployment insurance+housing provident fund

Insurance must be paid for a full 15 years until retirement. Therefore, the student who wants to take the pension will talk about the pension insurance first. Before he retires, he began to pay almost the same regulations outside Nanjing 15 years ago. Therefore, if you want the old pension insurance to retire under the age of 15, and then wait until you retire, the state will continue to keep your personal account and refund it to you. < P > You will ask where is the 21% of all the pension paid by the company?

Don't expect the state to forward this to you. After you retire, your personal money has gone, and the state has paid 21% of the unit's money to the state pension fund to pay for all the procedures. From the relationship between money and you, you may say: Holy shit! My money, why don't you give me money? When I come back, this country stipulates that only the money returned to the individual will be paid, and my personal deduction unit will contribute all the money paid for him to the country -

BR/> Pension, let's take a look at how to calculate the time of your retirement pension. The algorithm is very complicated, because the annual payment base changes. For example, if you are 3 years old, your basic salary is 3, yuan, and the retirement age is 55 years old, you must start paying

pension insurance before you are 4 years old. If you pay from the age of 3 to the age of 55 for 25 years, first''m ensures that you can enjoy the pension. If the basic salary of 3, yuan after 25 years has become 6, yuan (as I said), you can get a basic pension of 6,× 2% = 1,2 yuan in the first month of 55 this year. This is your country, and besides the money in your personal account, you have accumulated a lot of beautiful average basic wages in 25 years, (3,+6,) ÷. Then the personal account should have 45× 8% (the proportion of individuals who pay the endowment insurance) × 25× 12 months = 18, yuan in 25 years, and you can get 18, ÷ 12 = 9 yuan per month except 1,2 yuan, so you can get at least 1,2+9 = 2,1 yuan per month when you start 55 years old. You get more money after retirement, instead of 12 yuan per month. Of course, your pension will become more and more < P >. So the better you pay, the more you pay. You will enjoy more after retirement. After the national adjustment every year, your money will become more and more. It is possible to take it across 1 years and 15 years. Here, we introduce a perverted policy, no matter you. You can only back up to your account and enjoy the local retirement benefits. Therefore, it will be a great loss to pay the social security retirement pension with a high base and a low base. Why do you say this? Let me give you an example. If you are a young man who works in Nanjing, pays social security, and then retires at the age of 2, but if your registered permanent residence is in Heilongjiang, you must return to the pension in Heilongjiang. If you pay for 2 years in Nanjing, the average base is 3, (I said), but before you retire in Heilongjiang, the basic salary is 1, (I said), then you can only enjoy 1, when you retire. This is a loss! In a word, if you pay social security in a rich place and go back to a poor place to enjoy social security when you retire, you have paid a lot in your life, but rarely enjoy it! Paying 3 yuan may only enjoy 1 yuan! This is a terrible thing, but there is no way, according to the national policy, so please pay social security for all accounts in Beijing, Shanghai and other high bases. Pay attention to the low base of students in the west. You either pay social security in the west, or move your household registration to Beijing or Shanghai before retirement, or you are doing a transaction that brings huge losses to your life. < P > Then maybe you will say, if my household registration is in Nanjing, I will pay for it in Heilongjiang Province for 2 years, and the payment base. Just think that Nanjing Labor Bureau will let you enjoy it? In general, when Nanjing will find a reason to refuse to transfer directly, your wisdom is wrong: you can't enjoy it in Heilongjiang and you can't enjoy it in Nanjing!

However, in some places, this situation has always been some relaxed regulations. For example, Nanjing allows you to reverse your base in Nanjing from a low level five years before retirement, and then continue to pay the five-year high in Nanjing, so you are only allowed to go back to Nanjing to enjoy the pension. It is estimated that this policy is different. Students who plan to transfer should better go to the local labor bureau to find out this problem. In the future, when they retire, they will have unexpected surprises!

Talking about health insurance here

The policy of insurance countries is quite good. What is important is that many

before hospitalization reimbursement, they said that your monthly health insurance payment is 9%, and your monthly medical unit insurance payment is about 2% plus 1 yuan for serious illness co-ordination. Regardless of other recent hospitalization, 11% of this serious illness co-ordination will be directly credited to your health insurance account within one month, and your own 2%, if you pay 1,18 yuan per month. Then $ 1,189× 2% = $23.78. The country calls its own money every month, and your money can be accumulated for medicine or outpatient service, and the remaining 9% countries take several medical pooling funds.

According to the regulations of Nanjing, if you pay medical insurance from January 27, the cost of buying medicine or outpatient service by swiping your card from February 27 can be reimbursed from hospitalization in July 27. For example, It's agreed that

if you went to the hospital on August 1, 27 and lived in Nanjing, the best three hospitals, and the hospitals were within the scope of health insurance

, and surgery+hospitalization and other expenses cost 5, yuan, then the first network of medical centers will be reimbursed for 1, yuan, which is the starting price, and the remaining 4, medical centers can be reimbursed for 4, × 8. Plus the starting price of 1, yuan, you only need to pay 1,56 yuan and 1,576 yuan for 5, yuan

to deduct it from your health insurance card (if you don't use this card at ordinary times), so in fact, you don't spend much money on hospitalization

Medical insurance is much more important for our young people than endowment insurance. After all, it's too fucking expensive to see a doctor in a hospital. The most important significance of participating in social insurance lies in

However, in providing health insurance in Nanjing, you must pay at least 25 years to enjoy the life after retirement, so if you retire at the age of 55, you must start to pay medical insurance no later than 3

Here's talk about the practice of industrial injury insurance

This insurance is usually used less, and I don't need to remind everyone of the contact. If something happens to you or on your way to and from work, Risks can be used

, but in practice, many people don't pay attention to the preservation of evidence when something happens, which makes them unable to enjoy work-related injury insurance. This is a pity. If you are hit by a car at work, you should start calling the police. After the police investigate the evidence collected from records and photos, the police

will give you an unexpected authenticity and certificate, and you can report the work-related injury to this unit. If something happens, people will run around casually, but there is no evidence. Without evidence, it is generally not accepted as a work-related injury

. There is still a time limit. If you need to have a work-related injury on July 1, 27, you must immediately report it to the unit.

After you go to the hospital for medical treatment, the work-related injury or hospitalization records come to the unit, which is called that the unit takes these materials to do the work-related injury. Your unit must have the effective material injury to the testing center on August 1, 27. Stay away from

your work-related injury for more than a month, and it may be identified. If your company doesn't identify it for you, then you can take the material identification center, which is the best for no more than a month, otherwise it will be a great trouble.

Talk about maternity insurance here

Description: If you are a girl, 1 yuan will pay maternity insurance on January 1, 27.