medical insurance, provident fund, pension, maternity, work injury, unemployment insurance
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 their pay 8%;
health insurance: you pay per month for units 9%, 2% of your pay, plus 10 dollars for serious co-ordination
(ill hospitalized coordinating major piece of pipe); < br> 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: units per months, you pay 8%, 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 to pay the proportion of pay you should: 413:190,
This means that if your monthly Social Security payment for their 190 dollars, then the units will be social security to your account
playing into the 413 dollar account each month to increase your social security account the money should be 413 +190 = 603
money. So in case you can not see, the unit cost of delivery of social security is 2 times more than you, so
your monthly pay social security fees do not feel bad when it! Units you want to know a lot more than you pay for it, the heart
is pain units.
saying that three risk a return to gold and a perfect insurance policy, where we should have seen, in fact, rivers and lakes on
said one gold and three insurance equal to five insurance entirely to gold, just one gold and three insurance pay from your personal insurance (pension
+ health + unemployment + 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 as a perfect insurance policy that, in fact, just saying that to sound good
only.
addition to units for you to pay social security, in fact, did not work but have income persons, or a unit but the unit does not
staff can also pay social security to pay their own Social Security, but the individual can only pay pension + medical insurance, industrial injury
Fertility ah ah ah unemployment fund, your people have to pay is not up.
Here's what is social security contributions under the base:
we already knew just a month to pay the social security unit of proportion and the proportion of your pay, almost
is 413:190, so now they came up with a problem: his monthly pay social security fees and the proportion
relationship? 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
Kea number
eight charges
is 1189 yuan, which is what does that mean? This means that as long as the formal Nanjing to pay social security for workers unit,
units per month in 2004 to pay money for each employee at least 1189 × 41.3% = 491 yuan, and employees each
months to pay at least 1189 × 19% +10 = 236 yuan, and units per month so you should pay the social security charges to come out
out. But now a new problem came out again, Nanjing, wages vary greatly, someone is making a month 1000
yuan, 10,000 yuan was a month could get, do not get called to get 1000 and 10000 have to pay the same social security payments? Please
Note that this 1189 is the lowest base, there is the highest in 1189 on the base, the highest base in Nanjing this year if
is more than 8,000 specific I forget, anyway, if you pay less per month in 1189 yuan, the unit also will
in accordance with 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 1189, the minimum social security payment as a base where the meaning of the; even if you
1000 or 800 a month to get you the lowest monthly according to the 1189 must also pay to!
But if you pay higher than 1189, for example, you get 3000 a month, that unit labor bureau to give you
pay when the insurance (you pay your social security units and costs are deducted, oh, the Bureau of Labor) should be on labor
Council, said:
premium bar.
to your social security account, and your unit at this time should you pay each month to 3000 × 41.3% = 1239 yuan, and
on your personal monthly pay 3000 × 19% +10 = 580 yuan.
means that if you pay less in 1189 yuan, then every month you are in accordance with the 1189 surrender; if you
earning 1,189 yuan or more, then every month you pay according to your actual wages, unless you pay more than the highest
base is even higher, if you get 10,000 a month and the maximum base is 8000, you and your unit to have at
according to 8000 AC.
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, and real wages will not go according to your report, such as you
If you get 3000 a month, they went to the Bureau of Labor may say that you take only 1189, and the labor bureau every month
deduct your 1189 × 19% +10 = 236 yuan, you are probably also happy, because the less money you think your deduction, 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 accordance with your 3000 to count, each of them
months that you pay 3000 × 41.3% = 1239 yuan social security charges, and in accordance with the 1189 to count, and they every month
for you to make 1189 × 41.3% = 491 yuan! so in fact you suffered a major loss! The company will only follow your regular real
international declaration of wages to the labor bureau, and then deducting money! Only those companies that will matter mainly as how much you pay, all
in accordance with the minimum standards for you to pay!! do not think that your Social Security monthly fees deduction, the better!! may you have
shamelessly bullied by the company and you also knew nothing! To determine the unit's base pay for you in the end how much
is simple: if you buckle 300 a month social security, your base is about 300 ÷ 19% ≈ 1578 元,
you look at your salary is not the number, if you pay significantly higher than in 1578, such as every month you actually get the
wage is 3000 or 4000, then it must surely have been the company to bully you, and after being bullied you can go to the local
a labor monitoring group to sue you, generally a quasi-one report, but the best time to leave evidence (more than
such as pay slips, etc.) then told to find a good, otherwise, you tell the general to the company after having failed to make the.
again shows that the proportion of the various regions of the social security constitute not the same as if you were not in Nanjing that you
contribution rate 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 take
this is probably calculated their base. Here is a look at what the specific social security costs, as well as the how
What use.
has been said earlier, social insurance = + pension + medical insurance maternity insurance, industrial injury insurance + unemployment insurance +
insurance + housing fund, first talk about the good old-age insurance.
pension insurance
this insurance are generally required to pay 15 years later, when they retire to a pension for life, so
comrades who wanted to obtain a pension, make sure before his retirement 15 years ago began to pay, this in Nanjing to
almost the same way outside the regulations, if you go to pay pension retirement age of 15 years, and that the time you retire
off, the state will keep your personal account for 8% of the pension back to you all. You may ask, unit
pay you 21% go? You do not expect the country 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 which no relationship between money and you you may say: I rely on! That was my money why not give
me, because the state is so specified. When a refund is only returned to the individual to pay his own personal money deducted,
unit is for him to pay the money to pay your own money to lead over, and you are still alive when the monthly pension
release; the rest of the country all contribute to a.
below when we look at your retirement pension is how come from:
pension algorithm is very complicated, because the state pay an annual base of the time, a good example:
If you are 30 years old, your current base pay is 3,000 yuan, while the retirement age of 55 years if it is, 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
is 25 years old, then sure you can enjoy the pension first, and second, if you pay after 25 years to pay the 3000 block
fee base has become a 6000 (I said if), then 55 years old when you can get the first month
6000 × 20% = 1200 block of the basic pension, this is for you country, in addition to your personal account on the money
25 years, has accumulated a lot better to base pay on average about a (3000 +6000) ÷ 2 = 4500, then you
these 25 years, 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, every month you can get 108000 ÷ 120 =
900 blocks, 55 years old so that you start, you can get at least a month 1200 +900 = 2,100 pension, of course, each
base in the country is still to rise, so each year in addition to your 900, you each month after retirement
will get more money than 1200, your pension will be more and more of course.
So pay old-age insurance to pay the better, the more you pay after you retire to enjoy the more, and
and the state after the annual revision of base money will you get more and more, and now 1000 years after the delivery to take 1500
is possible. Here we introduce a policy of metamorphosis, that is, no matter where you pay social security fees, so you
retired back when you can only enjoy the local location of your retirement account treatment, so look at the base
high places pay social security, but his retirement pension to enjoy a low base where people would be a big loss, and why
say so? I'll 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, Heilongjiang then you must return to a pension. If you
Nanjing paid an average base of 20 years 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
very loss it! In short, if you pay social security in the rich areas, but when they retire back to the poor place to enjoy social security,
you pay a lot of life, but enjoy less. Exchange 3000 can only enjoy 1000. This is
terrible things, but no way is this policy of the State, so all current accounts in the western and other base
low number of places, but the base in Beijing or Shanghai, where high work comrades 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 are in
a huge loss of life to do this deal.
that you might say, if my account in Nanjing, then I pay for 20 years in Heilongjiang like the Well, in
in areas with low base pay, when they retire back to the base of a high place to enjoy high welfare, wrong! Do you think Nanjing
casual labor office will let you enjoy Mody. General this situation, Nanjing will find a reason to refuse you directly
transferred. At 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, allows you to pre-retirement,
5 years back from a low base where Nanjing, then continue to pay 5 years in Nanjing, Nanjing, high base, after which it was allowed
a pension promise you back to Nanjing. Estimates of this policy are not the same everywhere, in the future intends to turn the most gay
OK, 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 is important to a lot of hospital reimbursement.
said the unit before you pay monthly health insurance 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 each
months will be to your health care account to play, your own 2%, according to 1189 yuan per month if your minimum
base pay social security, then the 1189 × 2% = 23.78 元 is the national monthly call your own money, the money you
can be accumulated direct credit card to buy medicine or out-patient services, and the remaining 9% of the country to take it to the medical co-ordinate calculation based
gold in the.
in accordance with the provisions of Nanjing, and if you start from January 2007 to pay medical insurance, then from 2007 2
month credit card you can buy medicine from or out-patient services, from July 2007 onwards you can be reimbursed the cost of hospital
, the newspaper's quite complicated, a good example:
If you August 1, 2007 in the hospital, lived in the best three hospitals in Nanjing during hospitalization with the
are within the scope of health care medicine, surgery + hospitalization and other expenses spent a total of 5,000, then when the Medicare reimbursement
First of all net 1000 center, which is starting price, the remaining 4000 medical center may be reimbursed 4000 × 86% =
3440 million, just pay your own 4000 × 14% = 560 yuan a, with prices starting at 1,000 yuan before, you
spent 5000 to pay 1560 yuan own as long as you can, and this 1560 yuan is also available from your health insurance card debit
(If you usually do not use that card), so in fact you can not spend much money hospitalization, medical insurance for me
young people are much more important than old-age insurance, hospital doctor, after all, is too fucking expensive, which is to participate in
the most important social insurance lies. However, the provisions of Nanjing medical insurance must pay at least 25 years to the
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
out.
following injury insurance
the risk to talk about the practice of less general use, I do not have many contacts, need to remind you that if you in the Public
for the 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, causing their own injury insurance can not enjoy,
This is a great pity. If you arrive when they were hit by a car, you should up the police, allow the police to investigate
record and photograph collection evidence, the police processed after the accident will give you what identification to open a book or something,
you can take this to the requests for work-related injuries reported.
If something happens to random people you run, and not what the police are not looking for witnesses, and that no evidence
general case will not be adopted as an industrial injury.
injury there is still time problem, if you July 2007 1 Sunrise injury, you must immediately report card
bit, 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 before the
your valid identification of material injury to the 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 you can take your materials to
identification center identification; best not to 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, a month salary of 1,000 yuan, January 2007 1
day to pay maternity insurance, whereby the base is 1189, and you pregnant in March 2007, the end of December 2007 had
child was discharged in January 2008, then you the hospital, to Sign the marriage certificate (the reimbursement of an unmarried mother can not)
+ Child Permit (2 child's claims generally can not raw) + medical + to build large, small card check and hospitalization and surgery
cost of all invoices + list + hospital discharge summary, these all materials submitted to the company, if you are pregnant
took 500 examination candidates, the time children spent hospital + operation 2000, in general, companies in the health care
Basically, within the provisions can give you all the claims, claims to give you the money later, including: 500 inspection fee +2000
block hospital surgery +1189 Yuan / month × 4 months = 7256, 1189 yuan / month × 4 months, which is particularly medical center
subsidies for the reimbursement of the girls, only girls claims to be holding. Reimbursement of the state girls maternity insurance
time 4 months must be given the average wage, so if you have children not only do not pay claims, but also
can make 4 months of wages! If you base pay higher than wages, such as the 1000 exchange is to take 1189, then
What you 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 it! 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 < / p>
maternity insurance has to pay more than a year, you can also maternity insurance reimbursement Oh! But in previous cases
child, for example, you can only be reimbursed 500 inspection fee, +2000 block half of hospital surgery = 1250 yuan, subsidies
1189 yuan / month × 4 months, you will not enjoy a salary. This is only reimbursed when girls can enjoy
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 have children to plan the best, put
units a year to pay start looking for maternity insurance, you can make it!
If you marry my wife and boys, the best students to marry a child, has been handed a one year maternity insurance,
and the base pay is also higher than the wages of her own girls Oh! However, if it does not matter she is not insured, you
also 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 take back half of the
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. Good example: If you January 1, 2007 began to pay the insurance,
2008 年 1 month you dismissed by the company, then you can allow the company to get you 2 months of unemployment insurance; if this
year you are base in 1189 to pay the insurance, then you can get at least 2 months more than 800 dollars, or you
2007 年 1 月 1 began to pay insurance, in January 2008 and the company you contract expires, and you do not want to renew cooperation
with the words that you can also leave the company before the company you get 2 months of unemployment insurance, but also 800
multi-block, that contract expires, or the company laid off, you can take 2 months in accordance with one year of unemployment than
cases, to require the company to you to do, if the company does not give you do you can go to the report, 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. As long as his resignation, let alone pay 1 year, that is, 10 years to pay unemployment insurance, to the resignation of the time
You can not get a penny climate.
housing fund is a good thing ah!
Well, if you pay 200 a month for the fund, then the company has a month to your account
hit 200, you buy a house that is 400, if you pay a lifetime of 5 million, then 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
build a house, and that the money to build a house where you can pay from the fund. If you do not have the money, and finally retired
, they can put all the money taken out. You can also apply for provident fund loans, and fund loans than commercial loans
section much lower interest rates, which is a big advantage
[Advanced chapter] of the supplement
and Nanjing is that different parts of it, and the devil are not allowed to non-payment of medical insurance, which means that social security
center of this piece include: pension, health care, unemployment, work injury, maternity asked the company collected together, it touches on provident fund
payment may be paid, 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 21%, 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: unit per month for you payment of 0.5%, and you do not get their own dime;
maternity insurance: you pay per month for units of 0.5%, you do not get a cent payment;
Housing Fund: Unit for you to pay 7% per month, you pay 7%
Supplementary Housing Fund: Unit for you to pay 8% per month, you pay 8% (this is only the general effect
state-owned enterprises will be some very good benefits, and the ratio has its own, the general fund even if the company paid a very moral
a)
also say that a transfer tax and social security relations:
in the payment of a transfer tax when the payment is part of the personal deduction calculated after deduction of the taxable base, but
It should be noted, 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.
example, 7% above that of the fund to supplement the fund of 8%, add up to 15%, then the individual gold buckle that
3% of the parts necessary to count the amount of tax payable at the same time, enterprises that 3%, although not in the deduction from the individual wage
addition to, 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. I said that Nanjing
species included in the way of monthly, there are many areas included in the annual.
Specifically, this is the , health care is the year 1 April each year to 31 March the following year, while Social Security
base pay change is identified 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, that 2%)
into account individual health insurance card, but this time there is a problem, when the April 1, when the social security base
number has not yet established, the Medical Insurance Bureau only in accordance with the previous year's base to the individual health insurance payments are expected that year, then this
difference how to do it? That is, in the second year of April 1 to make up a small count, or less give the; possible
such a large segment of the word look would be very troublesome, for example, someone in 2004 that our average monthly income of 5,000 yuan,
2005 average monthly income of 4,000 yuan, 6,000 yuan in 2006 revenue. Medical Insurance Bureau in April 1, 2006 to individual accounts
into account the amount of time, social security center has not approved base pay in 2006 (that is, January 2005
average income), the Medical Insurance Bureau is in accordance with the base pay in 2005 (that is, the average monthly income of 2004
income) to calculate the amount of personal accounts throughout the year, which is 5000 * 2% * 12 = 1200, but in fact the person that
the amount of personal accounts should be 4000 * 2% * 12 = 960, then this will give the 240 in April 2007 1
deducted at the time. At the same time April 1, 2007 into account individual gold of the new year is still 960 (the
fact should be 6000 * 2% * 12 = 1440 yuan), less to the 480, will be April 1, 2008 make it up.
so because most people are not the same base pay each year, so almost everyone's account every year in March
households and 4 the total number of calendar month to see the amount of the account is different, this is the Medical Insurance Bureau annual cost of doing
generated when accounts. There is a problem of injury time, 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 to the doctor after the injury, 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 in 2007
on August 1 before your effective identification of material injury to the center, if you are out of work-related injuries from the days of ultra
a month, and that injury may be identified not up. If you do not give you identification of units that you own
Identification Center can hold 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 that one of the above
kind, valid for 30 days, there is a personal declaration, valid for one year, but due to injury or other reasons,
The longer the more 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
links, while Shanghai's policy, but in all parts of similarity. Shanghai and Nanjing, the policy may have different,
company management in this area will not be reimbursed, and pregnant women are linked directly by the health insurance. Check in the production of live birth
during his hospital, health care co-ordination within the overall Medicare payments are, of course, at their own expense item (such as advanced disease
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