I found everyone to pay their own social insurance are very concerned about
but concerns does not mean understanding, specifically in the end we pay for their insurance and the insurance which specific issues such as how to use are relatively unclear, said
In order to let everyone aware of and understand their rights in order to better protect themselves
First of all, we should be aware of social insurance is more quality than a commercial insurance insurance reasons as follows:
1. Social insurance is a national non-profit purposes of carrying out the cause of universal welfare and security, and commercial insurance is to profit, in general, commercial insurance charges the same specifications than the higher social insurance number Oh ~
2. Social Security protection than the general commercial insurance to some more, commercial insurance generally only covers the medical or pension, social insurance can protect five general insurance, but this one in the medical, social security advantages of a very prominent
3. community insurance each year is constantly improving standard, national early July each year will be social security in accordance with the base of the basic wage adjustment, and adjust the ratio is also very high, more than 10% annual increase, that the higher the longer it paid too much , this the biggest advantage that we can eliminate the effect of inflation is relatively small, and even business insurance will be adjusted returns, but overall it will not rise faster than Social Security and said
word, do not have to participate in social insurance has been the work of the students come forward to participate in social insurance, have joined the commercial insurance but did not participate in the work of students of social insurance has also come forward to participate in social insurance
then, is how the specific form of social insurance of it?
now Students go back to work often hear unit to pay the full insurance or a perfect insurance policy, yes, it means that your unit is willing to pay social insurance, but pay part of the unit in accordance with state regulations, while you personally have to pay part of the This involves a form of social insurance and the proportion of the composition problem, which has its own standards in all provinces and so are not the same, but generally not too much difference to me where the Nanjing City:
Social Security = + pension + medical insurance + unemployment insurance + injury insurance maternity insurance + housing fund
(Note: The above five insurance payment may be different in various regions of practice, you may not put five insurance units All you pay one gold, such as Nanjing, some units do not pay health insurance to employees to pay only the remaining four risk a gold, some units do not pay to pay only five insurance fund, so you have to figure out your units in the end to What you pay and whether to pay the insurance fund!)
ratio of the specific form of social security:
old-age insurance: you pay per month for units 21%, you pay 8%;
health insurance: Unit 9% of your pay each month, you pay 2% plus 10 dollars for serious co-ordination (co-ordination of key management seriously ill hospitalized this);
unemployment insurance: you pay per month for units of 2%, you pay 1%;
injury insurance: you pay per month for units of 0.5%, and you do not get their own dime;
maternity insurance: you pay per month for units of 0.8%, you have a penny Do not pay;
Housing Fund: Unit for you to pay 8% per month, you pay more than 8%
, so doing, the units each month to pay for your social security ratio should be 21% +9% +2% +0.5% +0.8% +8% = 41.3%
you pay each month for your social security ratio should be 8% +1% +2% +8% +10 block = 19% +10
temporarily remove the block you pay 10 dollars aside, the proportion of units and your payment to pay for the 413:190 ratio should be, which means that if you pay each month for your social security 190 dollars, then units will be social security account to your playing into 413 dollars every month to increase your social security account the money should be 413 +190 = 603 dollars
So in case you can not see the unit to pay social security cost is 2 times more than you, so you pay social security fee per month do not feel bad when the O unit ~ you know a lot more than you pay for it, in fact distressed units - +
Ya Ya ~ words to return the three gold and five insurance insurance for a gold, here you should have seen, in fact, said the three lakes on the total risk of a payment equivalent to five insurance payments, only one gold and three insurance pay from your personal insurance (unemployment + pension + medical + provident fund) for the five insurance units in a payment is submitted from your insurance (pension + health + unemployment + injury + Growth + Fund) for the. the three risk a gold said to be a perfect insurance policy is just that sound good only ~
addition to units for you to pay social security,
christian louboutin, in fact, did not work but have income or have the students do not pay social security unit but the unit students can pay their own social security , but the individual can only pay pension + medical insurance, birth injury ah ah ah unemployment fund yeah you do not pay up individuals described above
composition and composition ratio of social security, following the introduction of social security contributions under the base of what is the
students already know just flat monthly rate and you pay the payment of social security is almost the 413:190 ratio, then and now out of the question: his monthly pay social security charges and what the ratio between it, the social security costs in the end is how it determined?
You may not be aware of the various provinces and cities every year in early July to publish a + benefits + hodgepodge of various subsidies, the cost of computing through the statistics and determine the future, Nanjing announced in July this year, the minimum base is 1189 yuan, which is what this means, which means that as long as normal for workers in Nanjing to pay social security units per month for each employee the money to pay at least 1189 × 41.3% = 491 million, while workers at least a month to pay 1189 × 19% +10 = 236 yuan, and units per month so you should pay the social security charges
came out but now a new problem came out again, Nanjing, wages vary greatly, someone get 1000 a month, someone could get 10,000 a month, are called to take 1000 and get 10,000 to pay the same social security costs are ?
Please note that this 1189 is the lowest base, in 1189, and the highest on base, Nanjing base seems to be the highest this year more than 8,000 specific I forget, anyway, if you pay 1189 yuan each month the following, the unit must be in accordance with the 1189 yuan for you to make 1189 × 41.3% = 491 yuan,
Christian Louboutin Short Boots, and at least a month to pay your own 1189 × 19% +10 = 236 million, this is the 1189 base pay as a minimum the meaning of the Social Security where the a: even if you get 1,000 or 800 a month, your monthly minimum must be in accordance with the 1189 pay to!
But if you pay higher than 1189, for example, you get 3000 a month, that unit to the Bureau of Labor Insurance when you pay (you pay your social security units and the Bureau of Labor costs are deducted, oh ~) to be on the labor bureau, said: 3000 dollars according to the standards of social security fees deduction. You pay 3000 × 41.3% = 1239 yuan, and you make personally each month in respect of 3000 × 19% +10 = 580 元
means that if you pay less in 1189 yuan, then you are in accordance with the 1189 per month pay; If you pay in 1189 yuan or more, then every month you pay according to your real wage, unless your base is even higher than the maximum salary, if you get 10,000 a month and the maximum base is 8000, you and you are in accordance with the 8000 unit to pay
here to expose the shameless practice of some companies, these companies may give you a good few thousand a month salary, but they report to the Bureau of Labor when your base is not in accordance with your real wages to report, for example if you get 3000 a month, they went to the Bureau of Labor may say that you take only 1189, the Bureau of Labor every month and then deduct your 1189 × 19% +10 = 236 yuan, you probably also pleased very, because the less money you think your deduction, you actually get our hands on more money
fault! If this is your company too outrageous! to pay the money because the company is more than 2 times you, so you pay the The less the less they pay! If real wages in accordance with your 3000 to count, they pay you every month of the 3000 × 41.3% = 1239 yuan social security charges, and in accordance with the 1189 to count, they every month you pay 1189 × 41.3% = 491 yuan! so in fact you suffered a major loss! regular company will only pay as you go to the actual declaration of the Bureau of Labor and deducting money! only those companies mainly as whether you will pay more High minimum standards are in accordance with the pay you!! do not think that your Social Security monthly fees deduction, the better!! You may have been bullied by the company shamelessly and without the knowledge of you!!!
to determine the unit for you in the end how much base pay is simple: if you buckle 300 a month social security, your base is about 300 ÷ 19% ≈ 1578 million, you look at your salary is not the number, if you wages significantly higher than 1578, such as the month you actually get 3000 or 4000, then it must surely have been the company to bully you, and after being bullied you can go to the local labor monitoring group to sue you, generally a quasi-one report, but the most Fortunately, the time to leave evidence (such as pay slips, etc.) then told to find a good, or you sue the company after having failed to make a general - +
again shows that the proportion of various parts of the social security do not constitute Like, if you do not pay your proportion of Nanjing that is probably not 19%,
cheap christian louboutin boots, but certainly not big change, such as your base may be 20% or 22%, but it is not 30% or 40%! so Although the proportion of 19% of Nanjing, but foreign students can probably figure out by the base
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Well, now you know how much you pay each month to the social security costs, but what these social security costs as well as the specific how? Below we introduce you
has been said earlier, social insurance = + medical insurance + Pension + maternity insurance, industrial injury insurance unemployment insurance + housing + first talk about the old-age insurance fund
good
The insurance generally must pay at least 15 years to retire to a pension for life, so be sure the students want to take the pension before retirement in their 15 years ago began to pay, this is almost the same way in other than the provisions of the Nanjing The
If you go to pay pension retirement age of 15 years, that country until the time you retire will keep your personal account for 8% of the pension back to you
all that you ask the unit to You pay 21% gone?
this you do not expect the State will be forwarded to you, you retire to your own money away, the State put the unit is 21% of your money to pay all program the country's pension fund in co-ordination, and from this relationship between money and you never got a
you may say: I rely on! it was my money why do not you give me
because the state is so specified - - +
refund your money back when the only deduction to individuals of his own personal money to pay the unit for him all the money to pay for the country to contribute to the - +
Let us look at the time of your retirement how the pension is computed from the algorithm
pensions are complex,
christian louboutin sales, because the state each year to pay a base of, for example about it: If you are 30 years old, your current base pay is 3,000 yuan, The retirement age is 55 years old If so, then you must be 40 years before you begin to pay old-age insurance, while 30-year-old if you start now from the cross, handed 55-year-old is 25 years, then sure you can enjoy the first pension gold, and secondly, if you pay after 25 years of the 3000 block of base pay has become a 6000 (I said if), you first of each month at the age of 55 can get 6000 × 20% = 1200 the basic pension, which is to your country, in addition to your personal account, the money accumulated in 25 years has a lot to look good average base pay, (3000 +6000) ÷ 2 = 4500 , then you this personal account of 25 years, there should be 4500 × 8% (you pay the proportion of old-age insurance for individuals) × 25 years × 12 months = 108,000 dollars, then in addition to previous 1200 every month than you can get the 108000 ÷ 120 = 900 blocks, the age of 55 a month so you can get at least 1,200 +900 = 2,100 pension, of course, still the base of each country to rise, this year in addition to your own 900 You get every month after retirement more money than 1200, your pension will certainly
So more and more old-age insurance to pay the better pay, the more you pay After you retire to enjoy more the more, and that the national annual revision of the base after you get more and more money will now take 1,500 years after the 1000 exchange is possible here to introduce a **
policy, that is, no matter where you pay social security fees, etc. When you retire you can return to enjoy the local location of your retirement account treatment, so look at base pay social security but high places and low places retired back to the base people who enjoy the pension would be a big loss, Why? me give an example, if you're young in Nanjing, to pay social security for 20 years and then retired, but if your account in Heilongjiang, and that You must return to a pension of Heilongjiang. If you pay for 20 years in Nanjing, the average base is 3000 (I said if), and when you retire until 1000 in Heilongjiang's contribution base (I said if), So when you retire can only enjoy the treatment of 1000! This is a loss of! word, where if you pay social security but in the rich when they retire back to the poor place to enjoy social security, you pay a lot of life, but enjoy very little! Exchange 3000 can only enjoy 1000! This is a terrible thing, but no way is this policy of the State, so all current accounts and other low base in the western areas, but in Beijing or Shanghai, local work to pay the high base students pay attention to social security, you pay social security or to the west, or to the accounts prior to retirement and moved to Beijing or Shanghai, or else you're doing a huge loss of life of the trading
perhaps you will say, if I account in Nanjing, then I pay for 20 years in Heilongjiang like the Well, where in the low base pay, when they retire back to the base of a high place to enjoy high welfare. wrong! you think Nanjing Bureau of Labor would casually let you enjoy it?! general this case directly to Nanjing will find a reason to turn your turn! that time you miss s wisdom: in Heilongjiang not enjoy, in Nanjing, also can not enjoy!
but some This places the situation has eased some of the provisions, such as Nanjing, allowing you to 5 years before retirement place back from a low base in Nanjing, and then continue to pay 5 years in Nanjing, Nanjing, high base, after which it will allow you to enjoy the back to Nanjing pensions. this policy are not the same everywhere estimate future classmates intend to turn you'd better go to the local labor bureau to find out the problem, so your retirement occurs when an unexpected accident,
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following talk about national health insurance policy the risk
pretty good, it is important before hospitalization reimbursement
said many units you pay monthly health insurance is 9%, your monthly health care delivery Insurance is about 2% plus 10 dollars for serious co-ordination, co-ordination of this illness simply whatever else you are hospitalized, and that 11% in the country every month to play with your health care account for 2% of your own,
louboutin wedding shoes, if you each months, according to 1189 yuan for the minimum base pay social security, then the 1189 × 2% = 23.78 元 that countries money every month to call your own, you can accumulate the money to buy medicine or credit card directly to out-patient services, and the remaining 9 % countries take it to the medical pool fund operators in the
in accordance with the provisions of Nanjing, and if you start from January 2007 to pay medical insurance, then starting from the February 2007 credit card you can buy medicine, or out-patient services, and From July 2007 onwards you can be reimbursed for the cost of hospitalization, and reported quite complicated, a good example:
If you August 1, 2007 in the hospital, lived in Nanjing, the three best level hospitals, Medicare hospital are used within the scope of medicine, surgery + hospitalization and other expenses spent a total of 5,000, then the reimbursement when the medical center first net 1000, which is starting price, the rest of the 4000 health care centers reimbursement of 4000 × 86% = 3440 million, just pay your own 4000 × 14% = 560 yuan a, with prices starting at 1,000 yuan before, you spend 5000 to pay 1560 yuan for himself as long as can be, and this 1560 element can also be deducted from your health insurance card (if you usually do not use that card), so in fact you can not spend much money
hospital medical insurance for our young people much more important than the pension, after all, see a doctor hospital is too damn expensive, which is to participate in social insurance where the most important provisions of Nanjing Medical Insurance
but must pay at least 25 years to enjoy life in retirement, so if you retire at age 55, then at the latest the age of 30 must begin to talk about health insurance of the industrial injury insurance
following the practice of the risk tends to be used less, I do not have many contacts, need to remind you that if you work on time or time to work out what had happened, the risk on the lingua franca of the
but in practice many people pay no attention to the preservation of evidence out of trouble, they can not enjoy the work injury insurance lead, which is a great pity if you work
when they were hit by a car, you should up the police, allow the police to investigate the records and photographs collected evidence after the police finished processing what will give you a Certificate of Authenticity accident or something like that, you can take this to requests for reports injury of the
trouble if you let people run to and does not find the alarm is not what the witness, the case of no evidence that the general will not be adopted as there is still work-related injury injuries Prescription
If you July 2007 1 Sunrise injury, you must immediately reporting units, the police issued identification evidence and the accident book and your work-related injuries after a medical history to see the doctor or hospital to the unit, called the units holding these materials to do injury identification, your units must be August 1, 2007 effective material before your injury to the testing center, if you are out of work-related injuries from the days of more than a month, and that injury may be identified not up. If You do not give you identification of units that can hold your own center identification materials to identify the best and do not exceed one month, otherwise it will be very troublesome to talk about a lot of trouble
following maternity insurance
ah, this is also an example Description Well, if you are a girl, a month salary of 1,000 yuan, January 1, 2007 begin to maternity insurance, whereby the base is 1189, and you pregnant in March 2007, the end of December 2007 gave birth to a child , January 2008 and discharged after hospital you want to Sign the marriage certificate (not the reimbursement of an unmarried mother) + Child Permit (2 child's claims generally can not raw) + size chart + checkpoints and the construction of hospital and surgical expenses All invoices + list + hospital discharge summary of all materials submitted to these companies, they can check if you are pregnant take a 500 block, children's hospital + operation when it took 2000, in general, within the limits prescribed in the basic medical insurance can give you all the claims, claims to give you the money later, including: +2000 500 inspection fee per block of inpatient surgery +1189 / month × 4 months = 7256, 1189 yuan / month × 4 is the medical center this month special subsidies for the reimbursement of the girls, only girls get the reimbursement to the state to
maternity insurance reimbursement when girls must be given 4 months of average wage, so you have children, then not only claims but also can not earn money 4 months wages! If you base pay higher than wages, such as the cross is to get 1000 1189, then you have earned it
maternity insurance to pay at least a year to enjoy, remember to also remember
There is a problem, boys are also to pay maternity insurance Yup Can you boys enjoy the maternity insurance do?
If you're a boy, your wife did not work or work units did not pay the insurance, and her children when you have to pay maternity insurance more than a year, then you can Oh maternity insurance reimbursement, but to the previous examples, for example, you can only be reimbursed 500 inspection fee +2000 block half of hospital surgery = 1,250 yuan, 1,189 yuan of subsidies / month × 4 months of salary you will not enjoy it! This is only reimbursed when girls can enjoy the oh ~
the same cost, reimbursement will be able to get 7,256 girls, boys can only get reimbursement for 1250, which is probably rare in China, If the boys to marry his wife, the best time to marry a baby for a year already paid maternity insurance and pay the base salary is also higher than her own girl Oh! However, if it does not matter she is not insured, you can be reimbursed for her maternity insurance it, but you do not pay subsidies to take 4 months, and the cost of the newspaper you can only get back half of the - +
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unemployment insurance, this is also to pay a full year you can enjoy, generally take 1 year to pay 2 months, to pay 2 years get 4 months, but a lifetime to get up to 24 months. a good example:
If you January 1, 2007 began to pay insurance, in January 2008 the company laid off you are, Then you can allow the company to get you 2 months of unemployment insurance, if you are in the year 1189 base pay for insurance, then you can get at least 2 months more than 800 dollars or you
2007 January 1 start to pay insurance, in January 2008 and the company you contract expires, and you do not want to renew the contract, then you can also leave the company before the company you get 2 months of unemployment insurance is more than 800 Block
contract expires or company that is dismissed, you can take 2 months a year in accordance with the ratio of unemployment to require companies to give you do, if the company does not give you do you can go to report it, a report of a Quasi - +
but the contract did not expire if you resign yourself go, that even if you pay full 1 year also do not enjoy as long as their unemployment insurance
resignation, let alone pay 1 year, that is, 10 years to pay unemployment insurance to resign when you can not get a penny - +
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Ah, the housing provident fund is a good thing ah ~
Well, if you pay 200 a month for the fund , then the company has to your account each month to hit 200, you buy a house that is 400, if you pay 5 million lifetime, you account is 10 million, and that we must not reject a good thing ah ~
fund can be used to buy a house, loan, renovation or something, if you can find their own home land to build a house, the money to build a house that can be paid from the fund in
If you do not have the money, When they finally retire all of the money seems to come out
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