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Reprinted from 63105181 at 20:46 on May 29, 2010 Reading (loading. ..) Comments (0) Category: Personal Diary
five insurance are:
old-age insurance: you pay per month for units 21%, you pay 8%;
health 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: 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%, and you do not get their own dime;
Housing Fund: Unit for you to pay 8% per month, you pay 8%
above, 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 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 Social Security will go to your account to break 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 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 more than you pay for much of it, in fact distressed units.
words back to 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 payment, but full insurance from you personally pay for insurance (unemployment + pension + medical + provident fund) for the five risk a gold cross from your organization's insurance (pension + health + unemployment + injury + fertility + Provident Fund) for the. The full insurance as a perfect insurance policy that is just saying it to sound good.
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 + medical insurance, birth injury ah ah ah ah unemployment fund, you pay no up individuals.
Here what is social security contributions under the base
we already know each month just to pay the social security unit of proportion and you pay almost the 413:190 ratio, then and now out of the question: his monthly pay social security charges and what relationship does this ratio , 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 After the determined and calculated, Nanjing announced in July this year, the minimum 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 worker at least the money to pay 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,
la gear walking shoes, someone get 1000 a month, someone could get 10,000 a month, 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, there is the highest in 1189 on the base, the highest this year, Nanjing, more than 8,000 base seems to be specific I forget, anyway, if you pay less per month in 1189 yuan , the unit must be in accordance with the 1189 yuan for you to pay 1189 × 41.3% = 491 yuan, and at least a month to pay your own 1189 × 19% +10 = 236 million, this is the minimum social security contribution base 1189 as the significance of where a: even if you get 1000 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 Bureau of Labor should say: your money and then hit your social security account, and your unit at this time should you pay each month to 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 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 pay even higher than the maximum base, if you get 10,000 a month and the maximum base is 8000, you and your unit to have to pay in accordance with 8000
here to expose the shameless practice of some companies, these companies may give you a good few thousand a month's wages, but they report to the Bureau of Labor when your base does not go according to your actual wages reported, such as your 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 are probably also happy, because you feel buckle you less money, you actually get more money in the wrong hands! 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 real wages in 3000 according to your count,
la gear police, 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 元! 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 that will be perishable matter how high you are in accordance with the minimum standards for wages you pay!! Do not think that your Social Security monthly fees deduction, the better,
la gears!! 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 very simple: If you buckle 300 a month social security,
la gear originals, 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 the fact you get a month 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 best 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 note that the proportion of various parts of the social security constitute not the same, 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 the proportion of 19% of Nanjing, but foreign students can probably figure out by the base of their own
Here are some of these social security charges and the specific circumstances is how to use
has been said earlier, social insurance = + pension + medical insurance maternity insurance, industrial injury insurance + unemployment + insurance + housing fund
first talk about the good old-age insurance
generally required to pay the insurance after 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 cross, the other almost the same in Nanjing Such provisions are if you pay to the 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
you may ask the unit to 21% of your pay go? that you do not expect the State will be forwarded to you, you retire to your own money away, the State put the unit for you to pay 21% of all the money to the national pension scheme in the overall fund, from which no relationship between money and you you may say: I rely on! it was my money why do not you give me
because the state is so required
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 a - -
below when we look at your retirement pension is calculated how the
pension algorithm is complex, 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, while the retirement age is 55 years old if , 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,
la gears sneakers, handed 55-year-old is 25 years, then sure you can enjoy the pension first, and second, if the 25 3000 years later you pay the block fee base has become a 6000 (I said if), you first of each month at the age of 55 can get 6000 × 20% = 1200 block of the basic pension, This is for 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, the 25 years you personal accounts 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 other prior to 1200 a month you can get the 108000 ÷ 120 = 900, 55, began a 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, a month after you retire will get more money than 1200, of course, that your pension will be more and more
So pay old-age insurance to pay the better, the more you pay after you retire to enjoy the more, and that the national annual revision of the base after you get more and more money will now pay 1000 years after 1500 are likely to get 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 a view , where the base pay social security high low base, but his retirement pension where the people enjoy it a big loss, Why? me give an example, if you're young in Nanjing, to pay for 20 years social security and retirement, but if your account in Heilongjiang, Heilongjiang then you must return to a pension. If you pay in Nanjing for 20 years, the average base is 3000 (I said if), and when you retire Heilongjiang base pay was 1000 (I said if), then you can only enjoy when they retire 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 poor areas enjoy social security, you pay a lot of life but rarely enjoy! delivery 3000 may only enjoy the 1000! This is a terrible thing, but no way is this policy of the State, so all current accounts and other base in the western But in areas with low base in Beijing or Shanghai, where a high attention to the work of the students pay 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 life The huge loss of trading
perhaps you will say that if my account in Nanjing, then I pay 20 years in Heilongjiang do not 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 refuse you turn! that time you miss s wisdom: can not enjoy in Heilongjiang, 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 the future intend to switch to the best students now go to your local labor bureau to find out the problem, so your retirement occurs when an unexpected accident !
Here to talk about health insurance
the risk fairly good national policy, it is important that hospital reimbursement for many of the unit before you pay monthly health insurance is 9%, your monthly health insurance probably pay 2% plus 10 dollars of serious co-ordination, co-ordinating the 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, if your monthly minimum according to 1189 yuan 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% of the country to take it to the operator medical assistance funds 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, from July 2007 onwards the cost of your hospital can reimbursement, the newspaper quite complex, for example good:
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 + hospitalization and other expenses spent a total of 5,000, then 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 a, together with previous Pricing starts at 1,000 yuan, and you just spent 5000 to pay 1560 yuan own on it, and that 1560 yuan also deducted from your health insurance card (if you usually do not use that card), so you actually spend hospital not much money for health 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 social insurance where the most important provisions,
la gear on sale, but health insurance must be submitted in Nanjing 25 years to enjoy life after retirement, so if you retire at age 55, then no later than the age of 30 must begin to pay health insurance a
Here to talk about 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 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 arrive when they were hit by a car, you should up the police, so police investigation 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 that if something had to let people look for witnesses and does not run What does not alarm, that no evidence in the case will not be adopted as the general work-related injuries in the
injury there is still time problem, 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 delivery 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 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 a lot of trouble a lot of trouble
Here to talk about maternity insurance
This is also a good example, if you are a girl, pay per month for 1,000 yuan, January 1, 2007 begin to maternity insurance, whereby the base is 1189, and you pregnant in March 2007, 2007 had a baby on the end of December, in 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) + medical + size cards built inspection and all hospital and surgical hospital invoices + list + discharge summary of all materials submitted to these companies, they can check if you are pregnant take a 500 block, when a child patient took 2000 + surgery, in general, the company Basically, within the provisions of the health 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 This is a center of months, especially for the reimbursement of health care subsidies for girls, only women can get a reimbursement to the
maternity insurance reimbursement for the state when girls must be given 4 months, the average wage, so if you have children not only do not pay claims, but also can make the wages of 4 months! If you pay higher than the base pay, Take 1000 for example is the 1189 exchange, you also earned it
maternity insurance to pay at least a year to enjoy, remember remember
In addition 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 pay maternity insurance have also been more than a year, then you can Oh maternity insurance reimbursement, but to the previous example for example, you can only check fee reimbursement +2000 500 block of inpatient surgery costs half = 1,250 yuan, 1,189 yuan of subsidies / month × 4 months of salary you will not enjoy it! This is the only girls can only be reimbursed when oh enjoy 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, best to plan, began to find a unit of one year in advance to pay maternity insurance, you can make it! If you marry my wife and boys, the best time to marry a baby for a year already paid maternity insurance and also the base pay than her own high wages of the girls Oh! but if she is not insured it does not matter, you can give her maternity insurance reimbursement for it, but you do 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 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, you can allow the company to get you 2 months of unemployment insurance, if you are in the year 1189 the Base pay for insurance, then you can get at least 2 months more than 800 dollars
or you January 1, 2007 began 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 unemployment insurance, but also means that contract expired more than 800 pieces or company 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 prospective.
But the contract did not expire if you resign yourself go, that even if you pay full 1 year are not entitled to unemployment insurance
resign as long as their own, let alone pay 1 year, 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 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 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
ratio of the specific form of social security:
old-age insurance: you pay per month for units 22%, you pay 8%;
health insurance: you pay per month for units 12%, you pay 2%;
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 0.5%, and you do not get their own dime;
Housing Fund: Unit 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 is paying a moral of the)
also say that social security and a transfer tax of between
pay a transfer tax at the 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 more than 12% of the parts (individuals and businesses to pay part) is also need to count in the taxable base in the
example, 7% above that of the fund to supplement the fund of 8%, add up to 15%, then the personal deduction of 3% of the part of the gold that will count in the amount of tax payable at the same time, enterprises that 3%, although not deducted from the individual salaries, but still have to count in the taxable base, that is, individuals for the cost of a transfer tax money pays the bill.
medical insurance to use this one, throughout the rest goes to personal accounts in different ways
love that is included in Nanjing, the way that on a monthly basis, there are many places is based on classified
Specifically, this is the
, health care is the year 1 April each year to 31 March the following year, while changes in social security contribution base is established in the early to mid April.
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 this time there is a problem, 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 this? It is the second year of April 1 to make up less Operators or less give the
may be 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 amount of time into personal accounts, social security center has not approved base pay in 2006 (that is, the average monthly income in 2005), the Medical Insurance Bureau, or the 2005 the contribution base (that is, the average monthly income in 2004) to calculate the amount of personal accounts throughout the year, which is 5000 * 2% * 12 = 1200,
but in fact the person the amount of personal accounts for the year should be 4000 * 2% * 12 = 960,
then this will give the 240 in April 1, 2007 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 done each year in the Medical Insurance Bureau generated when the cost accounting.
injury there is still time problem, 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 delivery 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 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 a lot of trouble a lot of trouble
this point there is 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 due to injury or other reasons , the more the longer the lack of evidence, personal statements, then the process will be delayed 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, and pregnant women are linked directly by the health insurance
production in reproductive examination during hospitalization, health care co-ordination within the overall Medicare payments are, of course, the items at their own expense (eg, senior ward, at their own expense medicine etc) or to themselves.
Health boy after their application for maternity benefits to the Medical Insurance Bureau, Medical Insurance Bureau to the Social Security piece of 3000 dollars, to give 3 months base pay income
childbearing increases two weeks, multiple births, more than an additional two weeks
previous years if the average wage income is greater than the maximum social security contribution base, then the payment of social security contribution base is only part of the rest paid by the company
such a person on a monthly average wage income of 10,000, the Social Security cap for the 7392 base.
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 =。=。。)
fact, there are two key areas:
1, pay at least 1 year before birth
2, the normal social security contribution base report
so that students, especially 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 female workers low wages, but would rather stay in the local social security return in full the reasons for giving birth and then quit the one small place is not like the case of unmarried women are not employees, and secondly, maternity insurance income is a lot to add.
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 a child is to take those months from January 5000 income.
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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