Does the social security paid by the social security center coun

1、 The proportion of social security payment is as follows:

the proportion of endowment insurance payment: 20% of the unit (all transferred into the overall planning fund), 8% of the indivial (all transferred into the indivial account)

the proportion of medical insurance payment: 10% of the unit, 2% of the indivial

the proportion of unemployment insurance payment: 1% of the unit, 0.2% of the indivial

the proportion of instrial injury insurance payment: the unit pays 0.5% for you every month, Indivial does not pay

the proportion of maternity insurance payment: the unit pays 0.8% for you every month, and the indivial does not pay

the monthly standard of basic pension is 20% of the average monthly salary of employees in the province (autonomous region, Municipality) or city (prefecture) in the previous year. The indivial account pension is paid by the indivial account fund, and the monthly payment standard is divided by 120 according to the amount of my account. After the indivial account fund is used up, it shall be paid by the social pooling fund

extended data

1. The reimbursement proportion of medical expenses

for the medical expenses incurred in the outpatient treatment of special diseases, within one year, the starting payment standard is 500 yuan. For the part exceeding 500 yuan, 85% of the outpatient medical expenses of category a diseases are reimbursed; 75% of the outpatient medical expenses of diseases under Category B management

the maximum payment limit in one year is 50000 yuan, which is calculated from the combination of outpatient and inpatient medical expenses of special diseases paid by the overall planning fund. If the amount exceeds 50000 yuan, the large amount of medical assistance will be reimbursed according to the regulations

(2) if the accumulative payment time is more than 5 years but less than 10 years, the longest period of receiving unemployment benefits is 18 months

(3) if the accumulative payment time is more than 10 years, the longest period of receiving unemployment insurance benefits is 24 months

(3) the medical expenses of family planning operation, including the medical expenses of IUD insertion (removal), abortion, inced labor, sterilization and recanalization

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I find that people are very concerned about the social insurance they pay
but paying attention does not mean understanding. People are not clear about what kind of insurance they pay and how to use these insurances.
in order to make people aware of and understand their rights and interests, so as to better protect themselves
first of all, We should realize that social insurance is a higher quality insurance than commercial insurance for the following reasons:
1, Generally speaking, the charge of commercial insurance is much higher than that of social insurance of the same standard ~
2. The social insurance is more than that of general commercial insurance. Generally, commercial insurance only covers medical or endowment insurance, and social insurance can cover five kinds of insurance at the same time. Moreover, in the field of medical insurance, the advantage of social insurance is very prominent
3. The standard of social insurance is constantly improving every year, At the beginning of July every year, the country adjusts the social security base according to the basic wages of employees, and the proportion of adjustment is still very high. Generally, it increases by more than 10% every year, that is to say, the more money you get in the future, the higher the money you get. The biggest advantage of this is that it can eliminate the impact of inflation to a relatively small extent, and commercial insurance can also adjust the return, but generally it will not rise faster than social insurance, Now the students who have not participated in social insurance should participate in social insurance as soon as possible, and the students who have participated in commercial insurance but have not participated in social insurance should also participate in social insurance as soon as possible
so, how does social insurance constitute
nowadays, when students go out to look for a job, they often hear that the company pays three insurances and one fund or five insurances and one fund. That's right, that is to say, the company is willing to pay social insurance for you, but according to the national regulations, when the company pays a part, you also have to pay a part, which involves the composition and proportion of social insurance, In this regard, each province has its own standards, so they are not quite the same, but generally they are not much different. Take Nanjing, where I live, as an example:
social insurance = endowment insurance + medical insurance + unemployment insurance + work injury insurance + maternity insurance + housing provident fund
(Note: the practice of the above five insurances and one fund may be different in different regions, Your unit may not pay all the five insurances and one fund for you. For example, some units in Nanjing only pay the remaining four insurances and one fund instead of medical insurance for employees. Some units only pay five insurances instead of provident fund, so you must find out what insurances your unit has paid you and whether to pay provident fund!)
the specific proportion of social security is:
endowment insurance: the unit pays 21% for you and you pay 8% for yourself every month
Medical Insurance: the unit pays 9% for you every month, and you pay 2% for yourself plus 10 yuan for serious illness co-ordination (serious illness co-ordination mainly deals with hospitalization)
unemployment insurance: the company pays 2% for you and you pay 1% for yourself every month
work related injury insurance: the company pays 0.5% for you every month, and you don't have to pay any money yourself
maternity insurance: the unit pays 0.8% for you every month, and you don't have to pay any money yourself
housing provident fund: the unit pays 8% for you every month, and you pay 8%
above, so the unit should pay 21% + 9% + 2% + 0.5% + 0.8% + 8% = 41.3%
the unit should pay 8% + 2% + 10 yuan + 1% + 8% = 19% + 10 yuan for you every month
don't talk about the 10 yuan you pay for the time being, The ratio between the company and you should be 413:190. That is to say, if you pay 190 yuan for your social security every month, the company will add 413 yuan to your social security account, and the amount of money added to your social security account every month should be 413 + 190 = 603 yuan
so the social security fee paid by the company is more than twice that of you when you can't see it, So when you pay the social security fee every month, don't worry about it. You need to know that the company pays much more than you. It's actually the company that worries about it - +
ah ah. Back to the "three insurances and one fund" and "five insurances and one fund", we should have seen that the "three insurances and one fund" mentioned in the Jianghu is equal to "five insurances and one fund", It's just that the three insurances and one fund are from your personal insurance (endowment + medical care + unemployment + provident fund), and the five insurances and one fund are from your unit's Insurance (endowment + medical care + unemployment + instrial injury + childbirth + provident fund), In fact, students who do not have a job but have income or who have a company but do not pay social security can also pay social security by themselves, but indivials can only pay endowment insurance + medical insurance, instrial injury, childbirth, unemployment and provident fund, which you can't pay indivially
the above describes the composition and proportion of social security, Now it's time to introce what is the payment base of social insurance
just now, the students have known that the proportion of social insurance paid by the unit and you is almost 413:190, so now there is another question: what's the relationship between your monthly social insurance premium and this proportion, and how to determine the social insurance premium
you may not have noticed that every province and city will issue a "minimum payment base of social insurance" at the beginning of July every year. This base is determined according to the miscellaneous expenses such as the average salary + welfare + various subsidies of employees in the previous year after statistics and calculation. The minimum base announced by Nanjing in July this year is 1189 yuan. What does that mean, It means that as long as Nanjing is a regular unit that pays social security for employees, the minimum amount of money paid for each employee is 1189 yuan per month × 41.3% = 491 yuan, while employees have to pay at least 1189 yuan per month × 19% + 10 = 236 yuan, so you and your company should pay the social security fee every month
but now there is a new problem. There is a big difference in the wages of employees in Nanjing. Some people get 1000 yuan a month, while others can get 10000 yuan a month. Is it the same social security fee for those who get 1000 yuan and 10000 yuan
Please note that 1189 is the minimum base, and there is a maximum base above 1189. The maximum base in Nanjing this year seems to be more than 8000. I have forgotten the details. Anyway, if your salary is less than 1189 yuan per month, the company must pay 1189 yuan for you × 41.3% = 491 yuan, and you have to pay at least 1189 yuan per month × 19% + 10 = 236 yuan, this is the meaning of 1189 as the minimum payment base of social security: even if you take 1000 or 800 yuan a month, you must pay according to 1189 at least every month
but if your salary is higher than 1189, for example, if you get 3000 yuan a month, when your company goes to the labor bureau to pay you insurance (both your company and the social security fees you pay are dected by the Labor Bureau), you should say to the labor bureau, "ah, we have a comrade who gets 3000 yuan a month, Please dect the social insurance premium according to the standard of 3000 yuan. "Then the Labor Bureau will dect your unit and your money with 3000 yuan as the payment base, and then call it to your social security account. At this time, your unit should pay 3000 yuan for you every month × 41.3% = 1239 yuan, and you should pay 3000 yuan per month × 19% + 10 = 580 yuan
that is to say, if your salary is below 1189 yuan, you will pay 1189 yuan every month; If your salary is more than 1189 yuan, you will pay according to your actual salary every month, unless your salary is higher than the maximum base. If you get 10000 yuan a month and the maximum base is 8000 yuan, you and your company will pay according to 8000 yuan.
here we want to expose the shameless practices of some companies, which may give you thousands of salaries every month, But when they go to the labor bureau to declare your base, they will not report it according to your actual salary. For example, if you get 3000 yuan a month, they may say that you only get 1189 yuan, and then the Labor Bureau will only dect 1189 yuan a month × 19% + 10 = 236 yuan, I'm afraid you're still very happy, because you think less money will be dected from you, but more money you actually get
wrong! If so, your company is too shameless! Because the company pays twice as much as you, so the less you pay, the less they pay! If your actual salary is 3000 yuan, they should pay you 3000 yuan a month × 41.3% = 1239 yuan of social security fee, and according to 1189, they only pay 1189 yuan for you every month × 41.3% = 491 yuan! So in fact, you have suffered a great loss! Regular companies will only go to the labor bureau to declare and dect money according to your actual salary! Only those companies will pay you the minimum standard no matter how high your salary is!! Don't think that the less your social security fee is dected every month, the better!! Maybe you have been shamelessly bullied by the company, and you don't know it at all
it's very simple to determine the base amount paid by the company for you: if you dect 300 yuan of social security every month, your base amount is almost 300 yuan ÷ 19% ≈ 1578 yuan. If your salary is obviously higher than 1578 yuan, such as 3000 or 4000 yuan per month, you must have been bullied by the company. After being bullied, you can go to the local labor supervision team to sue your unit. Generally, you can sue one time, but it's better to find the evidence (such as the payslip) before you leave, If you are not in Nanjing, your contribution rate is probably not 19%, but it will not be much different. For example, your base may be 20% or 22%, but it will never be 30% or 40%! So although 19% is the proportion of Nanjing, students from other places can also calculate their own base by this. I'm a lovely tentacle dividing line. Well, now you know how much social security fee you should pay each month, but what's the specific situation of these social security fees and how to use them? Now let's introce
as we have said before, social insurance = endowment insurance + medical insurance + instrial injury insurance + maternity insurance + unemployment insurance + housing provident fund
let's talk about endowment insurance first
this insurance generally needs to be paid for 15 years before it can enjoy a lifetime pension when it retires, So if you want to get a pension, you must start to pay it 15 years before your retirement, which is almost the same outside Nanjing.
if you have paid the pension insurance for less than 15 years by the retirement age, then when you retire, the state will give you all the 8% pension saved in your personal account.
then you will ask, where is the 21% pension paid by your unit
you can't expect that the state will give it to you. After you retire and take away your personal money, the state will transfer all the 21% of the money paid by the unit to the national pension fund. From then on, the money has nothing to do with you any more
you may say: shit! That's my money. Why don't you give it to me?
because this is the rule of the State - +
when you refund money, you only give it back to an indivial who withholds the money paid by himself. All the money paid by the unit for him contributes to the country? +
now let's see how you calculate your pension when you retire.
the algorithm of pension is very complex, Because the country will change the payment base once a year. For example, if you are 30 years old, your current payment base is 3000 yuan, and the retirement age is 55 years old, you must start to pay endowment insurance before you are 40 years old. If you start to pay from 30 years old to 55 years old, it will be 25 years, first of all, you can enjoy the pension. Secondly, if you are 25 years old, you can enjoy the pension

From January 1, 2019, China's social security fees will be collected by the tax department. Social security fee is collected by tax department. The first advantage is that the tax department's procere of collecting social security premium will be more meticulous and strict. Enterprises can't pay less social security fee to employees. In the end, the total amount in employees' social security account will increase. How much is the social security payment base? Endowment insurance: the unit pays 21% for you every month, and you pay 8% yourself; Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan for serious illness coordination (serious illness coordination mainly deals with hospitalization); Unemployment insurance: the unit pays 2% for you every month, and you pay 1% for yourself; Instrial injury insurance: the unit pays 0.5% for you every month, and you don't have to pay any money yourself; Maternity insurance: the unit pays 0.8% for you every month, and you don't have to pay any money yourself; Housing accumulation fund: the unit pays 8% for you every month, and you pay 8% yourself

What should we pay attention to in the face of social security? From January 1, 2010, the basic endowment insurance can be transferred across provinces; From July 1, the basic medical insurance for "floating employees" can also be transferred across provinces. However, as soon as the new deal came out, there was a wave of surrender in Dongguan, Foshan and other places. The reason is that it is difficult for many migrant workers to realize the requirement that they have to pay at least 15 years of pension insurance before they can apply for retirement, which gives birth to this "tide of surrender". In fact, there are still many restrictions in the "five insurances" of the social security system (pension, medical care, work-related injury, childbirth and unemployment) and the housing provident fund system, which make people unable to enjoy adequate security
endowment insurance: you can't get a pension if you have paid less than 15 years
payment standard: the endowment insurance payment of social security is jointly paid by the unit and indivial. At present, the general proportion of payment is 20% of the total wage paid by the unit and 8% of the personal wage. All enterprises and workers in cities and towns must pay basic endowment insurance. What you can't do: 1. Can you get a pension after only 14 years of endowment insurance? No. Before the statutory retirement age, you need to pay at least 15 years to be eligible for pension. If the accumulated payment period is less than 15 years at the time of retirement, the money in the personal account will be cleared and returned to the indivial at one time. This amount of money is only a small part of the amount paid by indivials, plus the amount paid by enterprises. Or choose the insufficient number of years should pay a one-time payment to receive pension. In 2007, Ms. Gao, 50 years old in Guangzhou, worked in Guangzhou and Foshan. Guangzhou Social Security Bureau determined that there was a problem with the payment period of Ms. Gao in Foshan. The payment period was less than 15 years and she could not retire. After that, Ms. Gao took the social security bureau to court and was able to receive a pension. 2. Can indivials benefit from the endowment insurance premium paid by the company? The scope of benefit is small. The money paid by the indivial is included in the indivial account, and the vast majority of the money paid by the unit is transferred into the co-ordination fund account. The amount of pension after retirement is directly related to the part of indivial account. The part paid by the unit and transferred into the pooling fund account is relatively evenly distributed to all pensioners after pooling. 3. The endowment insurance paid is twice that of others, and the payment period is the same, can the pension get twice that of others? No. The amount of monthly payment and the amount of pension are not doubled. Pension consists of basic pension and indivial account transfer. Basic pension is linked with indivial payment base and local social average through "indexation", and is related to payment years. The difference in basic pensions is generally small. For example, for two people with a monthly salary of 5000 yuan and 2500 yuan, they pay the same fee for 40 years according to this standard. After retirement, the money in their personal accounts is about 200000 and 100000 respectively. In the year of retirement, the basic pension of the two people is calculated at 1000 yuan. The pension of the former is about 1000 + 1600 = 2600 yuan, while that of the latter is 1000 + 800 = 1800 yuan. The former is not twice as much as the latter. 4. I still have eight years to retire. Now I'm allowed to transfer pension insurance across provinces. Can I retire after eight years in Beijing and enjoy a higher pension base in Beijing
No. Although the endowment insurance paid by many cities can be merged into one city. However, e to the different basic pension systems in different places, the new policy limits the number of years for the transfer of pension insurance: men over 50 and women over 40 are employed in cross regional floating, and only a temporary pension insurance payment account is established in the new insured area. After retirement, the money in the temporary account will be transferred back to the original insured area. Therefore, only in the new insured to pay full 10 years to deal with retirement in the local. 5. When you leave a city, can you take out the money from the personal endowment insurance account and accumulate the payment years? No. If you withdraw the money from your account when you leave a city, i.e. handle liquidation, the account will be cancelled, and the accumulated payment period will be cleared, which will not be included in the accumulated payment period, so it is not cost-effective to withdraw the money. The new endowment insurance regulations will no longer allow surrendering. The reason for the "tide of surrendering" in Dongguan and other places is that some policy holders feel that the accumulated payment period before the legal retirement age can not reach 15 years
Medical Insurance: stop payment and no longer enjoy medical insurance benefits
payment standard: employees pay 2% of their salary income; Employers pay 8% to 10% of the total wages of their employees, and the proportion varies from place to place; The employee's indivial payment shall be withheld and paid by the employer on a monthly basis. What you can't do: 1. Before that, you paid for medical insurance for many years in succession. If you were laid off a month ago and now you are sick, can you enjoy medical insurance? No. Different from the cumulative system of endowment insurance, China's basic medical insurance implements the "pay as you go" system, that is, "use the current money to see the current disease". No matter how many years the insured has paid continuously, once they stop paying, they will no longer enjoy medical insurance benefits. For example, the unemployed will not enjoy the basic medical insurance benefits. If there is a balance in the personal medical account, it can be used for outpatient and emergency treatment and drug purchase in designated medical insurance drugstores until the money is used up. 2. Because of the change of job, the payment of medical insurance has been suspended for four months, and the new unit has just been replaced, and the medical insurance has been renewed. If you are sick, can you enjoy the medical insurance? Most areas cannot. At present, the regulations are different in different places, such as Beijing, no matter whether the medical insurance payment is interrupted or not, as long as the payment is renewed, the payment in the current month will take effect next month. In most areas, if the payment of medical insurance is interrupted, there will be a six-month observation period for re insurance, ring which the occurrence of major diseases can not be reimbursed. According to the new regulations on the trans provincial transfer of medical insurance, which will be implemented on July 1, 2010, inter provincial employment must be renewed in the new place of employment within three months. After re applying for medical insurance, it must be implemented according to local regulations, and most regions have set a six-month "observation period". 3. Can an indivial benefit directly from the medical insurance expenses paid by a unit? No. The basic medical insurance premium paid by the employees is included in their personal account, and the vast majority of the insurance premium paid by the unit goes into the overall planning fund. The medical insurance system, for enterprises with younger employees, is mostly out of the state of spending more than income, while for some old enterprises, because there are more retired employees and older employees, the reimbursement of medical expenses is relatively more. In other words, young enterprises suffer losses, while aging enterprises are more cost-effective
unemployment insurance: you can't receive the relief fund for more than two years
payment standard: at present, the unit in Beijing pays 1% of the total wage and the indivial pays 0.2% of the average monthly wage, which is different from other regions. All the unemployment insurance premiums raised, regardless of the source and the nature of the payer, will be incorporated into the unemployment insurance fund and will be used in a unified manner in the overall planning area. Migrant workers do not pay unemployment insurance. What you can't do: 1. I just resigned recently, and the company has been paying unemployment insurance for me. If I don't work recently, can I get unemployment insurance? No. To receive unemployment benefits, one needs to be "involuntary" unemployment, that is, he does not voluntarily resign. If it is an indivial's subjective decision to resign, it does not meet the pension requirements. If the city registered residence is not in the city, most provinces do not take unemployment insurance from the registered residence. 2. After unemployment, can you always get relief money? No. The total number of months of receiving unemployment benefit is related to the number of years of continuous payment. If the payment is made continuously for more than one year but less than two years, the unemployment benefit will be received for three months; If they have paid for more than two years but less than three years, they will receive unemployment benefits for six months; If they have paid for more than three years but less than four years, they will receive nine months' unemployment benefits; If they have paid for more than 4 years but less than 5 years continuously, they will receive 12 months' unemployment benefit; If the payment has been made continuously for more than five years, an additional unemployment benefit of one month shall be issued for each full year, but the longest period shall not exceed 24 months. In addition, if the unemployed are unemployed again after reemployment, the payment time will be recalculated. 3. If you have never received unemployment insurance, can the unemployment insurance money paid after retirement be returned? No. The premium of unemployment insurance shall be transferred into the overall planning fund for the payment of unemployment relief, and shall not be returned to the payer. This nature is the same as the consumer insurance in commercial insurance
maternity insurance: people with non local accounts can not enjoy maternity insurance
payment standard: maternity insurance is paid by the unit, and the amount is generally 0.8% of personal monthly income. Maternity insurance includes maternity leave, maternity allowance and medical services. Maternity leave is generally 90 days, late childbirth plus 30 days, dystocia plus 15 days, multiple births every additional 15 days. The maternity allowance includes the cost of birth examination and childbirth, and the salary ring maternity leave is also allocated by the overall planning fund, which does not need to be borne by the enterprise
what you can't do: 1. Can the employees with foreign registered permanent residence enjoy maternity insurance? No. At present, the cross provincial employment personnel can not enjoy the birth insurance, only have the local registered permanent residence or apply for the "green card", that is, the residence permit. 2. I have paid maternity insurance for many years in succession. Now I have resigned to give birth. Can I enjoy maternity insurance? No. To enjoy maternity insurance, we must have two conditions at the same time. One is to pay maternity insurance for one year (there are some differences in some areas); Second, ring the period of childbearing, they must be on the job and continue to pay for maternity insurance. If you have resigned, you will not be able to enjoy maternity insurance, even if you have paid the maternity insurance premium for many years. 3. Can male employees not pay maternity insurance? If the man has maternity insurance and the woman does not, can she claim the relevant expenses? No. Maternity insurance is also compulsory insurance, as long as it meets the conditions, it must be insured and paid to retirement. Male employees also need to pay maternity insurance. If the woman does not have maternity insurance, she can not claim the expenses of birth examination and childbirth. The man can only enjoy one month's late childbirth allowance, which is equivalent to one month's full salary
work related injury insurance: the identification of occupational diseases can not be based on the examination results only
payment standard: the basic rate is about 0.5% of the monthly income of employees. On the basis of the basic rate, floating rate shall be implemented for the employer with instrial accidents, and the maximum rate shall not exceed 3% of the employee's monthly income. Instrial injury insurance indivial does not have to pay, by unit of choose and employ persons pay. What you can't do: 1. Can you apply for work-related injury insurance because of cervical spondylosis and hospital examination results? No. Occupational diseases belong to work-related injuries, but it is not enough to rely on the inspection results of ordinary hospitals. They need to be identified by medical institutions designated by social security institutions. Work related injuries are divided into 10 levels, and they can enjoy subsidies according to the level of work-related injuries. In 2009, Zhang Haichao, a migrant worker who suspected that he had an occupational disease, pneumoconiosis, had to adopt the method of "chest examination" to protect his rights. 2. On the way to work was hit by a car can be identified as work-related injuries? At present, it is still within the scope of work-related injury, but there is a new draft to delete the injury caused by a car on the way to and from work from the work-related injury insurance. There are also many controversies. Those who support the deletion believe that all motor vehicles have third-party liability insurance, which is the same as instrial injury insurance, and the implementation policies of different regions are also different. Some regions implement double compensation, that is, they are injured on the way to and from work, and they enjoy the third-party liability insurance and instrial injury insurance, while Beijing and other regions implement the difference compensation, and the overlapping part of the two kinds of insurance is only reimbursed once
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