A perfect insurance policy ( very useful oh )

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Please
reproduced later to find that the province, and convenience to us, more convenience. Welcome reproduced ah!
ratio of the specific form of social security:

old-age insurance: you pay per month for units 21%, you pay 8%;
Medical insurance: you pay per month for units 9%, you pay 2% plus 10 dollars for serious co-ordination (co-ordination of key management seriously ill hospitalized this);
unemployment insurance: each unit 2% of your monthly payment, 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%, and you do not get their own dime;
Housing Fund: Unit for you to pay 8% per month, you pay 8%
more, so doing, the units each month to pay for your social security ratio should be 21% +9% +0.5% +0.8% +2% +8% = 41.3%
you pay per month for your social security ratio should be 8% +1% +2% +8% +10 block = 19% +10 block
temporarily remove you pay 10 dollars aside, the proportion of units of payment and you pay for the 413:190 ratio should be, which means that if you pay each month for your social security 190 dollars, then the unit will be to you to break into the social security account 413 dollars a month increase in your Social Security account the money should be 413 +190 = 603 dollars
So in case you can not see, unit cost of delivery of social security 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.
saying that three risk a return to gold and a perfect insurance policy, where we should have seen, in fact, said the three lakes on the total risk of a payment equivalent to five insurance payments, but full insurance to 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 full insurance payment is only five insurance that sound good only.
addition to units for you to pay social security, in fact, did not work but who have income or have units, but units do not pay social security personnel can also pay their own Social Security, but the individual can only pay pension + healthcare insurance, birth injury ah ah ah unemployment fund it, you do not personally have to pay up.

Here's what is social security contributions under the base
we already know have to pay a monthly flat rate and you pay social security is almost the 413:190 ratio, then now out of the question: his monthly pay social security fees and the proportion of what relationship, social security costs in the end is how it determined?
You may not be aware of the various provinces and cities each year released in early July will be a base is 1189 yuan, which is what this means, which means that as long as the formal Nanjing to pay social security for workers unit, per month for each employee to pay the money at least 1189 × 41.3% = 491 million, while the employees every month to pay at least 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,Coach Shoulder Bag, do not get called to get 1000 and 10000 have to pay the same social security costs?
Please note that this 1189 is the lowest base, in 1189, and the highest on base, Nanjing, the highest this year more than 8,000 base seems to be specific I forgot, and anyway, if You pay less per month in 1189 yuan, the unit must be in accordance with the 1189 yuan for you to make 1189 × 41.3% = 491 yuan, and at least a month to pay your own 1189 × 19% +10 = 236 million, this is 1189 the minimum social security payment as a sense of where the base: 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: Ya Ya, we have comrades here to get 3000 a month, follow the money of the standard deduction 3000 social security fees. social security account, your unit should be this time you pay each month to 3000 × 41.3% = 1239 yuan, and you make personally each month in respect of 3000 × 19% +10 = 580 元
That is if you pay less in 1189 yuan, then by 1189 you'll pay each month; If your wages in 1189 yuan or more, then every month you pay according to your actual wages, unless you even higher than the highest base salary, if you get 10,000 a month and the maximum base is 8000, you and your unit are in accordance with the 8000 cross
on here to expose the shameless practice of some companies, these the company may give you a good few thousand a month salary, but they reported to the Bureau of Labor when your base does not go according to your actual wages reported, for example if you get 3000 a month, they may say to the Labor Bureau You just take 1189, the Bureau of Labor every month and then deduct your 1189 × 19% +10 = 236 yuan, you probably still very happy, because you feel you less money deduction, you actually get our hands on more money.
wrong! If this is your company too outrageous! because the company paid 2 times your money more, so the less you pay the less they pay! If according to your 3000 to count in real wages, they pay you every month of the 3000 × 41.3% = 1239 yuan social security charges, and in accordance with the 1189 to count, they pay you every month 1189 × 41.3% = 491 yuan! so the actual You suffered a major loss on! regular company will only pay as you go to the actual declaration of the Bureau of Labor and deducting money! only those companies that will be perishable matter how high you are in accordance with the minimum standards for wages you pay!! do not think that monthly deduction of your social security costs, the better!! You may have been shamelessly bullied by the company and you also knew nothing!!!
to determine the unit for you to pay in the end How much is the base 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 pay significantly higher than in 1578, such as In fact, every month you 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 report of a prospective, but the best time to leave evidence in the (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 different social security form If you do not pay your proportion of Nanjing that is probably not 19%, but certainly not big change, such as your base may be 20% or 22%, but it is not 30% or 40%! Therefore, although Nanjing, the proportion of 19%, but foreign students can probably figure out by the base of their own
introduce them to social security costs following the specific situation and how to what has already been used
say, social security = old-age insurance + medical insurance + injury insurance maternity insurance + unemployment + insurance + housing fund
first talk about the good old-age insurance are generally required to pay the insurance
over 15 years to retire to a pension for life, so went to get pension Be sure the students before his retirement 15 years ago began to pay, this is almost the same way than in Nanjing
required to pay if you reach retirement age pension age of 15 years, and that until you retire when the country will keep your personal account for 8% of the pension back to you
all that you ask the unit to 21% of your pay gone?
; that 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 the pension scheme to the whole fund in the country, and from this money to no relationship between you and the
you may say: I rely on! it was my money why do not you give me, because the state is so prescribed, only to return when the money back to individuals to pay his own personal deduction the money to pay the money for his units all contribute to the country has - -

below when we look at your retirement pension is calculated how the
; pension algorithm is very complicated, 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,Coach Tote Bags,000 yuan, while the retirement age if it is 55-year-old, then you must start before the age of 40 you 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 pension first, and second, 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 block of basic pension Kim, this is for you state, 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 are the 25 years of personal accounts should be 4500 × 8% (you pay the proportion of old-age insurance, individual) × 25 years × 12 months = 108,000 dollars, then in addition to other prior to 1200 a month you can get the 108000 ÷ 120 = 900, age 55, every month so you can get at least 1200 +900 = 2,100 pension, of course, still the base of each country to rise, this year in addition to your own 900, each of you after retirement months, will get more money than 1200, your pension will certainly
So more and more old-age insurance to pay the better pay, you have to pay After retirement, the more you enjoy 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 of metamorphosis, 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, such point of view, high places in the base pay social security retirement back to the low base, but where people 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, you must return to a pension in 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), then 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 rarely enjoy! Exchange 3000 can only enjoy 1000! This is a terrible thing, but no way is this policy of the State, so all current accounts in the western areas such as low base in Beijing or Shanghai, but the base of a high place of work the students to pay attention to social security, you or to pay social security in the West, or to the accounts prior to retirement and moved to Beijing or Shanghai, or
you're doing a huge loss of life of the trading
perhaps you will say, If my 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 will be with the Nanjing Bureau of Labor carelessly let you enjoy it?! general this case directly to Nanjing will find a reason to refuse you turn! that time you miss s wisdom: in Heilongjiang not enjoy, in Nanjing, also can not enjoy!
But some places like 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 pension back to Nanjing. 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 !
Here to talk about national health insurance policy the risk
pretty good, it is important for a lot of hospital reimbursement, said the unit a month before
health insurance you pay is 9%, your monthly health insurance probably pay 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, according to 1189 yuan per month if you are the lowest base pay social security, then the 1189 × 2% = 23.78 元 is the national monthly call your own money, this money You can build up direct credit card to buy medicine or out-patient services, and the remaining 9% of the national operator to take it to the medical assistance funds in the
in accordance with the provisions of Nanking, if you are from January 2007 began to pay health insurance, then starting from the February 2007 credit card you can buy medicine, or out-patient services, from July 2007 onwards you can be reimbursed for the cost of hospitalization, and reported that the quite complex and a good example:
If you August 1, 2007 in the hospital, lived in Nanjing, the best three hospitals, health care during hospitalization are used within the scope of medicine, surgery + total cost of hospitalization spent 5,000 yuan, then the reimbursement when the medical center first net 1000, which is starting price, the rest of the 4000 health care centers are reimbursed for 4000 × 86% = 3440 million, just pay your own 4000 × 14% = 560 yuan to can, 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 yuan also 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 old-age insurance, hospital doctor, after all, is too ########ing expensive, which is to participate in the most important social insurance where the
However, the provisions of Nanjing medical insurance must pay at least 25 years to enjoy life in retirement, so if you retire at age 55, then no later than the age of 30 must begin to talk about health insurance the
following injury insurance
the risk tends to be used less in practice, I do not have many contacts, need to remind you that when you work or if the time to work out what had happened, the risk to use was on the
but in practice many people pay no attention to the preservation of evidence out of trouble, cause they can not enjoy the work injury insurance, which is a great pity if you arrive when they were hit by a car, you should be up alarm, let 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 work-related injuries reported, and if something happens to you and does not let people run what the alarm is not looking for witnesses, the case of no evidence that the general will not be accepted as work-related injuries also a time
injury problems, if you July 2007 1 sunrise the 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 unit holding the material to do work-related injuries 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 unit does not to identify you, then you can take your materials to identify center identification, it is best not to exceed one month, otherwise a lot of trouble a lot of trouble to talk about maternity insurance

below this also a good example, 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 had children discharged in January 2008, you were discharged later to Sign the marriage certificate (not the reimbursement of an unmarried mother) + child certificate (generally not reimbursed Health 2 births) + + build size card records and hospital and surgical inspection the cost of 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,coach watches men, within the provisions in health insurance Basically, all you can be reimbursed, the reimbursement to you after the money, including: +2000 500 inspection fee per block of inpatient surgery +1189 / month × 4 months = 7256, 1189 yuan / month × 4 months, which is medical insurance Center for special subsidies for the reimbursement of the
girls, only girls get the reimbursement to the state to
maternity insurance reimbursement when the girls have to give an average 4 months wages, so you have children, then not only do not pay claims, but also can make the wages of 4 months! 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 keep in mind
In addition there is a problem, men also paid maternity insurance Yup Can you boys do enjoy maternity insurance?
If you're a boy, your wife did not work or work units did not pay the insurance, and her children when you pay maternity insurance have also been more than a year, then you can Oh maternity insurance reimbursement, but the previous examples, for example, you can only be reimbursed 500 inspection fee +2000 block half the hospital surgery = 1,250 yuan, 1,189 yuan of subsidies / month × 4 months, you will not enjoy a salary! This is the only girl claims when it 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, So, before the girls the best plan to have children about one year ahead began to find a unit to pay maternity insurance, you can make it!
If you marry my wife and boys, 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 give her maternity insurance reimbursement for it, but you did not pay subsidies to take 4 months, and the cost of the newspaper you can only get back half.


unemployment insurance, unemployment insurance, this is also to pay a full year you can enjoy, generally get to pay 1 year 2 months, to pay 2 years get 4 months, but life Take up to 24 months. good example:
If you January 1, 2007 began to pay insurance, in January 2008 the company laid off you are, 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
January 2007 1st 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, but also more than 800 blocks, That contract expires or the company laid off, 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 prospective.
But if you resign the contract did not go his due, and that even if you pay full 1 year are not entitled to unemployment insurance
resign as long as their own, let alone pay 1 years , that is, 10 years to pay unemployment insurance to resign when you can not get a penny.
housing fund is a good thing ah
Well, if you pay 200 a month for the fund, then the company has a month to play to your account 200, when you buy a house that is 400, if you pay 5 million lifetime, you account is 10 million, and such a good thing we must not reject 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

[Advanced chapter] of the supplement [5KB]
and Nanjing is that different parts of it, and the devil are not allowed to non-payment of medical insurance , that includes old-age social security center that a birth injury with medical unemployment asked enterprises received, but added the taxpayer may pay the provident fund, because it is within the jurisdiction of the Centre under the provident fund social security constitutes a specific proportion of
To:
pension insurance: you pay per month for units 22%, you pay 8%;
health insurance: you pay per month for 12 units %, you pay 2%;
unemployment insurance: you pay per month for units of 2%, you pay 1%;
injury insurance: units per months, 0.5% of your pay, you do not get their own dime;
maternity insurance: you pay per month for units of 0.5%, and you do not get their own dime;
Housing Provident Fund: units for you to pay 7% per month, you pay 7%
additional housing funds: unit per month for 8% of your pay, you pay 8% (this is only the general effectiveness of state-owned enterprises will be some very good, and the ratio has its own, the general fund even if the company paid a very moral a)
say that social security and other the relationship between a transfer tax to pay a transfer tax
in time, is that part of the individual debit payments calculated after deduction of the taxable base, but it is important to note, provident fund and supplementary fund for more than 12 % of the parts (individuals and businesses to pay part) also need to count in the taxable base in the above example, say fund
7% 8% supplementary fund, add up to 15%, then the individual gold buckle part of that 3% should count
in the amount of tax payable at the same time, enterprises that 3%, although not from the individual wage deductions, but still counted as taxable
base in, that is, individuals for the cost of a transfer tax money pays the bill.
medical insurance to use this one, over the way the rest goes to personal accounts is different
love that kind of month included ways of Nanjing, there are many
place is included in the specific year is the case, Medicare is the year 1 April each year to 31 March the following year, while changes in social security contribution base is in April the mid-OK.
Medical Insurance Bureau in April 1st base withholding of social security in accordance with each individual health insurance 1 year (that is, the 2%) into the individual health insurance card account, but there are problems when , and April 1 when the base year has not been established Social Security, Medical Insurance Bureau only in accordance with the previous year's base to the individual health insurance payments are expected that year, then the difference between how to do it? That is, in the second year of April 1 to make up more than a small count, or less likely to give such a large segment of the word
look will be very much trouble, that we, for example
monthly average person income of 5,000 yuan in 2004, average monthly income of 4,000 yuan in 2005, 2006 income of 6,000 yuan
Medical Insurance Bureau in April 1, 2006 to the personal account into the amount of time, social security center has not yet approved base pay in 2006 (that is, the average monthly income in 2005), the Medical Insurance Bureau is in accordance with the base pay in 2005 (that is, the average monthly income in 2004) to calculate the annual individual account amount, which is 5000 * 2% * 12 = 1200,
but in fact the person the amount of personal accounts of that year should be 4000 * 2% * 12 = 960, then this will give the 240 yuan in 2007 April 1 when the net. At the same time April 1, 2007 into the account of the new year, gold is still 960 individuals (in fact, should be 6000 * 2% * 12 = 1440 yuan), less to the 480, will be April 1, 2008 meeting back.
so because most people are not the same base pay each year, so almost everyone's account every year in March and April when the total number of years to see the amount of the account is different, and this is Medical Insurance Bureau is doing when the annual cost accounting generated.
injury there is still time problem, if you July 2007 1 sunrise the injury, you must immediately reporting units, the police issued identification evidence and the accident book and you go out after work-related injuries doctor or hospital medical records to the unit, called the unit holding the identification of these materials to do work-related injuries, your unit must be August 1, 2007 effective material before your injury to the testing center, if you are out of work-related injuries from the day 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 troublesome
This had a supplement, there are two ways to report injuries, one unit reporting to love to say the same as the above, valid for 30 days, there is a personal declaration, valid for one year, but the injury or other reasons, the longer the more the evidence insufficient to declare the words of individuals will delay the process because they do not know how much time and effort.
maternity insurance, abortion, childbirth, multiple births, premature birth, and can specifically look at the following link, though Shanghai's policy, but in all parts of similarity. Shanghai and Nanjing may have different policies, the company will not be reimbursed in charge of this area are linked by the health insurance
direct and maternal hospital stay in the maternity check the production, health care co-ordination both within the scope of overall Medicare payments is, of course, at their own expense item (such as advanced unit, at their own expense medicine etc) or to themselves.
Health boy after their application for maternity benefits to the Medical Insurance Bureau, the Social Security Medical Insurance Bureau to 3000 dollars
piece, to give 3 months of pay base fee plus half of income
childbirth, multiple births, more than half of
a plus one if the average monthly wage income is greater than the maximum social security contribution base, then the social security contribution base pay only part, and the rest paid by the company
such a person on a monthly average of 10,000 wage income, social security base capped at 7392.
then the monthly income of social security to 7392, the remaining 10000-7392 = 2608 is paid by the unit.
(Although I think this, in the cloud Tell me what you is not easy to come across =。=。。)
In fact, there are two key areas:
1, pay at least 1 year before birth
2, the social security contribution base normal reporting
So students, particularly female students, do not think the company to give you the base level of reporting does not matter, even for low base some of their high wages glad hand to see the problem when it came it! This is why there are so many women workers would rather stay in the declaration of the low wages in full but the place of social security and then quit the reasons given birth, the one small place is not like the case of unmarried women are not employees, and second, maternity insurance is great an income supplement.
example, a 3000 human normal wages, but the declaration of social security base count her year-end bonus awards, etc. Other income, then the monthly average may reach 5000, this time that children months from January 5000 to take the income is. If you do not have the money, when they finally retire all of the money seems to come out. Not seemingly, is absolutely!
and provident fund loans with low interest rates than commercial loans, and this is a big advantage.
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