How are wages and social security deducted?

Social security includes: pension insurance: the employer pays 21% for you every month, and you pay 8%;?

Medical insurance: the employer pays 9% for you every month, You pay 2% yourself plus 10 yuan for the critical illness plan (the serious illness plan mainly covers hospitalization);?

Unemployment insurance: The employer pays 2% for you every month, and you pay 1% yourself;?

Work-related injury insurance: The employer pays 0.5% for you every month, and you don’t have to pay a cent;?

Maternity insurance: The employer pays 0.8% for you every month, You don’t have to pay a penny yourself;?

Housing Provident Fund: The employer pays 8% for you every month, and you pay 8% yourself?

After all, the employer The proportion of social security paid for you every month should be 21%+9%+2%+0.5%+0.8%+8%=41.3%?

The proportion of social security paid for you every month Should it be 8% + 2% + 10 yuan + 1% + 8% = 19% + 10 yuan?

Leaving aside the 10 yuan you paid for the time being, the proportion paid by the unit and the proportion paid by you It should be 413:190. This means that if you pay 190 yuan for your social security every month, then your employer will put 413 yuan into your social security account, and the amount will be added to your social security account every month. It should be 413+190=603 yuan?

So when you can’t see it, the social security fee paid by the employer is actually more than twice yours, so the social security fee you pay every month Don't feel bad at this time~ You must know that the employer pays much more than you pay, and it is actually the employer that feels distressed. ?

Speaking of the three insurances and one fund and the five insurances and one fund, everyone should have seen it here. In fact, the three insurances and one fund mentioned in the world are exactly the same as the five insurances and one fund. It is just the three The insurance and one fund are based on the insurance paid by you personally (pension + medical + unemployment + provident fund), and the five insurances and one fund are based on the insurance paid by your company (pension + medical + unemployment + work-related injury + maternity + provident fund) . Calling three insurances and one fund into five insurances and one fund is actually just a nice thing to say. ?

In addition to the fact that your employer can pay social security for you, in fact, people who are unemployed but have income, or people who have an employer but their employer does not pay social security, can also pay social security by themselves, but individuals can only pay pension insurance + medical insurance. , work-related injuries, maternity, unemployment, provident fund, etc., you personally can't afford it. ?

What is the social insurance payment base?

You have just known that the ratio of the social insurance paid by the unit every month to the ratio you pay is almost 413:190, so now it is A question arises: What is the relationship between the social security premiums you pay every month and this ratio? How are the social security premiums determined?

You may not have noticed that every province and city will pay the social security premiums in early July every year. Release a "minimum social insurance payment base". This base is determined based on statistics and calculations of the average salary of employees in the previous year + benefits + various subsidies and other miscellaneous expenses. The minimum base announced by Nanjing in July this year is 1,189 yuan , what does this mean? It means that as long as Nanjing is a formal unit that pays social security for its employees, the monthly payment for each employee is at least 1189 × 41.3% = 491 yuan, and the employee must pay at least 1189 per month. ×19%+10=236 yuan, so the social security fees you and your employer should pay every month will be calculated.

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But now a new problem has arisen. The wages of employees in Nanjing are very different. Some people get 1,000 a month, and some people get 10,000 a month. Are they supposed to pay the same amount for both those who get 1,000 and those who get 10,000? Social security fees?

Please note that 1189 is the lowest base, and there is a highest base above 1189. The highest base in Nanjing this year seems to be more than 8,000. I have forgotten the details. Anyway, if your salary If the monthly income is less than 1189 yuan, your employer must also pay you 1189×41.3%=491 yuan based on 1189 yuan, and you must pay at least 1189×19%+10=236 yuan every month. This is 1189 as social security. The significance of the minimum payment base is: even if you get 1,000 or 800 yuan a month, you must pay the minimum monthly payment of 1,189!?

But if your salary is higher than 1,189, For example, if you earn 3,000 yuan a month, when your employer goes to the labor bureau to pay you insurance (the labor bureau will deduct the social security fees paid by you and your employer~), you should tell the labor bureau: "Yeah, we are here." "There is a comrade here who gets 3,000 yuan a month. Please deduct social insurance premiums according to the standard of 3,000 yuan." Then the Labor Bureau will use 3,000 yuan as the payment base to deduct the money from your company and you and then transfer it to your social security account. At this time, your company should pay you 3000×41.3%=1239 yuan every month, and you personally should pay 3000×19%+10=580 yuan every month. That is to say, if your salary is less than 1,189 yuan, then you will pay according to 1,189 every month; if your salary is more than 1,189 yuan, then you will pay according to your actual salary every month, unless your salary is higher than the highest base. Even higher, if you get 10,000 a month and the highest base is 8,000, you and your employer will both pay 8,000.

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Here I want to expose the shameless practices of some companies. These companies may pay you thousands of dollars every month, but when they go to the labor bureau to declare your base, they will not follow your actual situation. Report your salary. For example, if you receive 3,000 yuan per month, they may go to the labor bureau and say that you only receive 1,189 yuan. Then the labor bureau will only deduct 1,189 × 19% + 10 = 236 yuan from you every month. I’m afraid you will still be happy. Very, because you think the money deducted from you is less, the actual money you get is more?

Wrong! If this is the case, your company would be too shameless! Because the money paid by the company is more than twice yours. So the less you pay, the less they pay! If calculated based on your actual salary of 3,000, they should pay you 3,000 × 41.3% = 1,239 yuan in social security fees every month, and based on 1,189, they should pay you They only pay you 1189 × 41.3% = 491 yuan every month! So you actually suffer a big loss! Regular companies will only declare your actual salary to the Labor Bureau and then deduct the money! Only those companies that do this will No matter how high your salary is, we will pay you according to the minimum standard!! Don’t think that the less you deduct from your social security fees every month, the better!! Maybe you have been shamelessly bullied by the company and you are completely unaware of it!! !?

It is very simple to determine the base amount paid by your employer for you: if you deduct 300 yuan in social security every month, then your base amount is almost 300÷19%≈1578 yuan. You see It depends on whether your salary is this amount. If your salary is obviously higher than 1578, for example, you actually get 3000 or 4000 every month, then you must have been bullied by the company. After being bullied, you can go to the local labor inspection brigade to sue you. It is generally accurate to file a complaint against an employer, but it is best to find the evidence (such as salary slips, etc.) before filing a complaint when you leave, otherwise you will not be able to survive in the company after filing a complaint--+?

< p> It should be noted again that the proportion of social security in different places is different. If you are not in Nanjing, your contribution proportion is probably not 19%, but it will certainly not be too different. For example, your base may be 20% or 22 %, but it will definitely not be 30% or 40%! So although 19% is the proportion in Nanjing, students from other places can also use this to roughly calculate their own base?

What are the specifics of these social security fees? And how to use it?

Social insurance = pension insurance + medical insurance + work-related injury insurance + maternity insurance + unemployment insurance + housing provident fund?

Pension insurance?

Generally, you have to pay for this insurance for 15 years before you can enjoy the pension for life when you retire. Therefore, students who want to get a pension must start paying it 15 years before they retire. This is almost the same rule outside Nanjing. If you have paid pension insurance for less than 15 years until retirement age, then when you retire, the state will return all 8% of the pension deposited in your personal account to you?

Then you will ask, the employer Where did the 21% paid to you go? Don’t expect the state to hand it over to you. After you retire and take away your personal money, the state will transfer all the 21% paid by your employer to the state. It is in the pension pool fund, and from now on this money has nothing to do with you anymore. You may say: Damn it! That’s my money, why don’t you give it to me?

Because this is how the country stipulates.

When refunding money, only the money paid by the individual that he deducted will be returned to the individual. All the money paid by the unit for him has contributed to the country--?

Let's take a look at your pension when you retire. How is the pension calculated?

The pension algorithm is very complicated, because the country changes the payment base every year. For example: if you are 30 years old now, your current payment base is 3,000 Yuan, and if the retirement age is 55, you must start paying pension insurance before you are 40 years old. If you start paying now at 30 years old, it will take 25 years to pay 55 years old. Then you must first be able to You are enjoying a pension. Secondly, if your payment base of 3,000 yuan has become 6,000 yuan after 25 years (I am talking about if), then when you are 55 years old, you can first get 6,000×20% every month. = Basic pension of 1,200 yuan, which is given to you by the state. In addition, you have accumulated a lot of money in your personal account in 25 years. Just average the payment base, (3006000)÷2=4500 , then in the past 25 years, your personal account should have 4500 × 8% (the personal proportion of the pension insurance you paid) × 25 years × 12 months = 108,000 yuan, then in addition to the previous 1,200 yuan, you will also have You can get 108000÷120=900 yuan, so you can get at least 120900=2100 yuan in pension every month starting from the age of 55. Of course, the national base is still rising every year, so in addition to your own 900 yuan every year , you will get more than 1,200 yuan every month after retirement, of course your pension will also be more and more?

So the more you pay for pension insurance, the better. , the more you pay, the more you will enjoy after retirement. Moreover, after the country adjusts the base every year, the money you will receive will be more and more. If you pay 1,000 now, it is possible to receive 1,500 in ten years?

Here I would like to introduce a perverted policy, that is, no matter where you pay social insurance premiums, when you retire, you can only go back to your place of residence to enjoy the local retirement benefits. From this point of view, paying in a place with a high base Social security, but people who retire and enjoy pensions in places with a low base will suffer big losses. Why do you say this? Let me give you an example. If you worked in Nanjing when you were young, paid social security for 20 years and then retired, but If your household registration is in Heilongjiang, you must go back to Heilongjiang to enjoy your pension. If you have paid in Nanjing for 20 years, the average base payment is 3,000 (I am talking about if), and when you retire, the base payment base in Heilongjiang is only 1,000 ( What I am talking about is if), then you can only enjoy 1,000 benefits when you retire! This is a big loss! In a word, if you pay social security in a rich place but return to a poor place to enjoy social security when you retire, then you will have to pay it all your life. A lot but very little enjoyment! You may only enjoy 1,000 yuan if you pay 3,000 yuan! This is a very scary thing, but there is no way. This is the national policy, so please all those who currently have a household registration in places with low bases such as the West but are in Beijing or Shanghai Students who work in places with a high base and pay social security, please note that you must either pay social security in the west, or move your household registration to Beijing or Shanghai before retirement, otherwise you will be making a huge loss in your life.

Then maybe you will say, if my household registration is in Nanjing, then I can pay in Heilongjiang for 20 years. I will pay in a place with a low base, and when I retire, I will return to a place with a high base to enjoy high benefits. Wrong! You think Will the Nanjing Municipal Labor Bureau let you enjoy it casually?! In this case, Nanjing will find a reason to directly refuse your transfer! Then you will be smart but mistaken: you can’t enjoy it in Heilongjiang, and you can’t enjoy it in Nanjing. You can’t enjoy it! However, some places have some easing regulations for this situation. For example, Nanjing allows you to transfer back to Nanjing from a place with a low base 5 years before retirement, and then continue to pay a high base in Nanjing for 5 years, and then it will You are allowed to return to Nanjing to enjoy your pension. This policy is probably different in different places. Students who plan to transfer in the future are best to go to your local labor bureau to clarify this issue now to avoid unexpected accidents when you retire!?< /p>

Medical insurance?

The policy of this insurance country is pretty good. The important thing is that there is a lot of hospitalization reimbursement?

As I said before, your employer will pay you every month. The medical insurance is 9%. Your personal monthly medical insurance payment is about 2% plus 10 yuan for the serious illness plan. This serious illness plan does not care about anything else but only cares about your hospitalization, and the state will pay for the 11% every month. Add your own 2% to the medical insurance account. If you pay social security according to the minimum base of 1,189 yuan every month, then 1,189 × 2% = 23.78 yuan is the money the state pays you personally every month. You can accumulate this money When you get up and swipe your card directly to buy medicine or see a clinic, the country will count the remaining 9% into the medical co-ordination fund?

According to Nanjing's regulations, if you start paying for medical insurance in January 2007 , then from February 2007 you can swipe your card to buy medicines or see outpatients, and from July 2007 you can be reimbursed for hospitalization expenses. The application is quite complicated. Here is an example: If you were reimbursed in 2007 I was hospitalized on August 1st. I stayed in the best tertiary hospital in Nanjing. During the hospitalization, I used medicines covered by medical insurance. The cost of surgery + hospitalization was 5,000 yuan. So when I was reimbursed by medical insurance, The center first deducts 1,000 yuan, which is the starting price. The remaining 4,000 yuan can be reimbursed by the medical insurance center at 4,000 × 86% = 3,440 yuan. You only need to pay 4,000 × 14% = 560 yuan, plus the previous starting price of 1,000 yuan. If you spend 5,000 yuan, you can only pay 1,560 yuan, and the 1,560 yuan can be deducted from your medical insurance card (if you don’t usually use that card), so in fact you won’t spend much money on medical treatment when you are hospitalized. Insurance is much more important to us young people than pension insurance. After all, medical treatment and hospitalization are too damn expensive. This is also the most important meaning of participating in social insurance. However, Nanjing City stipulates that medical insurance must be paid for 25 years before you can enjoy it for life after retirement. So if you retire at the age of 55, you must start paying for medical insurance at the age of 30 at the latest?

Work-related injury insurance? < /p>

This insurance is generally rarely used in practice, and I don’t have much contact with it. What I need to remind everyone is that if something happens to you at work or when commuting to and from get off work, this insurance will be useful. . However, in practice, many people have accidents and do not pay attention to preserving evidence, resulting in themselves being unable to enjoy work-related injury insurance, which is a pity. If you are hit by a car while off work, you should call the police as soon as possible and ask the police to investigate the records and take photos to collect evidence. After the police handle the matter, they will issue you an accident identification certificate or something like that, and you can take this with you. The employer requires you to report a work-related injury.

If something happens to you and you just let someone run away and you don’t find witnesses or call the police or anything, then it will generally not be accepted as a work-related injury without evidence?

There is also a statute of limitations for work-related injuries. , if you had a work-related injury on July 1, 2007, you must report it to the work unit immediately, hand over the evidence issued by the police, the accident appraisal certificate, and the medical records of your medical treatment or hospitalization after the work-related injury to the work unit, and ask the work unit to take these materials. To go for work-related injury identification, your unit must send your valid materials to the work-related injury identification center before August 1, 2007. If it is more than one month from the date of your work-related injury, the work-related injury may not be identified. If If your company does not provide you with an appraisal, then you can take the materials to the appraisal center for appraisal yourself. It is best not to take more than a month, otherwise it will be very troublesome and troublesome?

Maternity insurance?

< p> Let me illustrate this with an example. If you are a girl, your monthly salary is 1,000 yuan, you start paying maternity insurance on January 1, 2007, and the payment base is 1,189, and you become pregnant in March 2007, and you will be pregnant in December 2007. I gave birth to a baby at the end of the month and was discharged from the hospital in January 2008. Then after you leave the hospital, you should quickly get your marriage certificate (unmarried children cannot be reimbursed) + only child certificate (generally speaking, those who have two children cannot be reimbursed) + medical records + a large and small card check and All invoices for hospitalization and surgery expenses + hospitalization list + discharge summary should be submitted to the company. If you spent 500 yuan for examination during pregnancy, and 2,000 yuan for hospitalization + surgery when you gave birth, generally speaking, the company will provide you with medical insurance. Basically, you can be reimbursed within the prescribed range. The money given to you after reimbursement includes: 500 yuan for examination fee + 2,000 yuan for hospitalization and surgery fee + 1,189 yuan/month × 4 months = 7,256 yuan, 1,189 yuan/month × 4 months This is a special subsidy provided by the medical insurance center for girls who are reimbursed. Can only girls be reimbursed?

The state stipulates that girls must be given four months’ average salary when reimbursing for maternity insurance, so if you give birth to a child, you will be reimbursed. Not only do you not spend money, but you can also earn 4 months' salary! If your base payment is higher than your salary, for example, if you take 1,000 yuan and pay 1,189, then what else do you earn?

Maternity insurance is a minimum You have to pay for one year before you can enjoy it, remember?

In addition, there is another question, boys also pay for maternity insurance~ So can boys enjoy maternity insurance?

If you are a boy , your wife is not working or her workplace does not pay for insurance, and it has been more than a year since you paid for maternity insurance when she gave birth to the child, then you can also reimburse for maternity insurance, but taking the previous example, you can only reimburse. 500 yuan for examination fee + half of 2,000 yuan for hospital surgery = 1,250 yuan. You won’t be able to enjoy the subsidy of 1,189 yuan/month x 4 months’ salary! This can only be enjoyed by girls when they are reimbursed ~ the same cost , girls can get 7,256 yuan for reimbursement, and boys can only get 1,250 yuan for reimbursement. This is probably one of the rare policies that "discriminates against men" in China --+?

So, girls want to have children. It’s best to plan beforehand and start paying maternity insurance to an employer a year in advance. You can make a lot of money! And if a boy wants to marry a wife, it’s best to marry someone who has already paid for maternity insurance for a year when giving birth and the base payment is higher than hers. A girl with a high salary! But if she really doesn’t have insurance, it doesn’t matter. You can still reimburse her for maternity insurance, but you will get four months’ salary without subsidies, and you can only get back half of the reimbursed expenses. ?

Unemployment insurance?

Unemployment insurance also requires you to pay for it for one year before you can enjoy it. Generally, you will get 2 months after paying for 1 year, and you will get 4 months after paying for 2 years. You can get up to 24 months of unemployment insurance in your lifetime. Here is an example: If you started paying insurance on January 1, 2007, and you were fired by the company in January 2008, then you can ask the company to get you 2 months of unemployment insurance. If This year you have paid insurance based on 1189, then you can get at least more than 800 yuan in two months. Or you started paying insurance on January 1, 2007, and your contract with the company expired in January 2008. , if neither of you wants to renew the contract. Then you can also ask the company to get 2 months of unemployment insurance for you before leaving the company, which is more than 800 yuan. That means that when the contract expires or the company dismisses you, you can get 2 months of unemployment insurance at the rate of 2 months a year. Ask the company to handle it for you. If the company doesn't handle it for you, you can sue it. Every complaint will be accurate.

But if you resign on your own before the contract expires, then even if you have paid for one year, you will not be able to enjoy unemployment insurance?

As long as you resign on your own, let alone one year, you will only pay 10 After years of unemployment insurance, you won’t get a penny when you resign. ?

Is the housing provident fund a good thing?

Let’s put it this way, if you pay 200 yuan for the provident fund every month, then the company will also add 200 yuan to your account every month , this is 400 yuan when you buy a house. If you pay 50,000 yuan in your lifetime, then you will have 100,000 yuan in your account. Don’t refuse this kind of good thing. ?

The provident fund can be used to buy a house, repay loans, decorate and so on. If you can find land to build a house in your own family, the money to build the house can also be paid from the provident fund?

If you don’t use the money all the time, it seems that you can withdraw all the money when you finally retire?

[Advanced] Various additional explanations?

Let’s talk about Nanjing Different places, the city does not allow non-payment of medical insurance. In other words, the social insurance center includes pension, medical, unemployment, work-related injuries and maternity, and asks the company to collect it. On the other hand, the provident fund can be paid or not, because this is under the jurisdiction of the provident fund center. Scope?

The specific proportion of social security is:?

Pension insurance: The employer pays 22% for you every month, and you pay 8% yourself;?

Medical insurance: The employer pays 12% for you every month, and you pay 2%;?

Unemployment insurance: The employer pays 2% for you every month, and you pay 1%;?

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Work-related injury insurance: The company pays 0.5% for you every month, and you don’t have to pay a cent;?

Maternity insurance: The company pays 0.5% for you every month, and you don’t have to pay a penny. Don’t pay a penny;?

Housing provident fund: The unit pays 7% for you every month, and you pay 7% yourself?

Supplementary housing provident fund: The unit pays 7% every month You pay 8%, and you pay 8% yourself (this is only available to state-owned enterprises with generally good profits, and the ratio is determined by the company itself. Generally, it is moral for companies to pay a provident fund)?

# ## Another thing to talk about is the relationship between social security and personal tax adjustment?

When paying personal tax adjustment, the taxable base is calculated after deducting the personal deduction. However, there is one point. Note that the portion of provident fund and supplementary provident fund exceeding 12% (the portion paid by individuals and enterprises) also needs to be included in the taxable base. For example, the provident fund 7% and the supplementary provident fund 8% mentioned above add up to 15%, so what about personal deductions? The 3% part must be included in the tax payable. At the same time, the 3% of the enterprise, although not deducted from the individual's salary, must still be included in the taxable base. In other words, the individual must pay for this expense. Pay the tax adjustment bill individually. ?

###Medical insurance uses this area, and different places have different ways of transferring it into personal accounts. I’m talking about Nanjing’s monthly payment method, and many other places use annual payment. Specifically, the medical insurance year is from April 1 of each year to March 31 of the following year, and the change in the social security payment base is also determined in early to mid-April. On April 1, the Medical Insurance Bureau will withhold one year's personal medical insurance (that is, the 2%) according to each person's social security base and enter it into the personal medical insurance card account. However, a problem arises at this time. On April 1, The social security base for that year has not yet been established. The Medical Insurance Bureau can only estimate the personal medical insurance premium for the current year based on the previous year's base. So what should we do with this difference? That is to make up for the undercount or deduct the overpayment on April 1 of the second year?

Maybe such a long paragraph seems troublesome. Let’s take for example a person’s average monthly income of 5,000 yuan in 2004, 4,000 yuan in 2005, and 6,000 yuan in 2006. The Medical Insurance Bureau gave When the amount was deposited into the personal account, the Social Security Center had not approved the payment base for 2006 (that is, the average monthly income in 2005), so the Medical Insurance Bureau still based the payment base on the 2005 payment base (that is, the average monthly income in 2004). Calculate the personal account amount for the whole year, that is, 5000*2%*12=1200, but in fact the person’s personal account amount for this year should be 4000*2%*12=960, so the extra 240 yuan will Deducted on April 1, 2007.

At the same time, the personal allowance for the new year that was credited to the account on April 1, 2007 is still 960 yuan (actually it should be 6000*2%*12=1440 yuan). The short payment of 480 yuan will be made up on April 1, 2008. return. ?

So because most people have different payment bases every year, almost everyone’s total account number in March each year is different from the amount of previous years’ accounts seen in April. This is the Medical Insurance Bureau It is generated during the annual cost accounting. ?

###There is also a statute of limitations issue for work-related injuries. If you were injured on July 1, 2007, you must report it to the unit immediately and bring the evidence and accident appraisal certificate issued by the police together with your work-related injury. In the future, submit your medical records for medical treatment or hospitalization to your work unit, and ask your work unit to take these materials for work-related injury identification. Your work unit must send your valid materials to the work-related injury identification center before August 1, 2007. If you were injured at work not long ago, If the time period exceeds one month, the work-related injury may not be identified. If your employer does not go to the identification center for you, then you can take the materials to the identification center for identification. It is best not to exceed one month, otherwise it will be very troublesome. There is a supplement to this troublesome point. There are two ways to declare a work-related injury. One is the unit declaration, which is valid within 30 days as mentioned above. The other is the individual declaration, which is valid within one year. However, due to injury or other reasons, it is delayed. The longer it takes, the less evidence there will be. If you declare it personally, you will waste a lot of time and energy because you don’t understand the process. ?

###In terms of maternity insurance, for miscarriage, dystocia, multiple births, and premature birth, you can check the link below for details. Although it is Shanghai’s policy, there are similarities everywhere. There may be differences in policies between Shanghai and Nanjing. The company will never care about reimbursement in this area. Medical insurance is directly linked to pregnant women. During the period of fertility examination, delivery, and hospitalization, everything within the scope of the medical insurance co-ordination is paid by the medical insurance co-ordination. Of course, self-paid items (such as high-end wards, self-paid drugs, etc.) must still be borne by yourself. After giving birth to the child, you go to the Medical Insurance Bureau to apply for maternity subsidy. The Medical Insurance Bureau will give you 3,000 yuan for social security, and then give you 3 months of basic payment income, plus half a month for late births, and half a month for multiple births. months. If the average monthly salary income in the previous year is greater than the upper limit of the social security payment base, then the social security will only pay the payment base, and the company will pay the rest. ?

For example, a person’s average monthly salary income in the previous year was 10,000, and the social security base cap was 7,392. Then the monthly income provided by social security is 7392, and the remaining 10000-7392=2608 is paid by the employer. (Although I think this situation is not easy for readers in the cloud to encounter=.=...)?

In fact, there are two key points:?

1. Have you paid for one year before giving birth?

2. Should the social security payment base be declared normally?

So students, especially female students, don’t think that the company declares the base for you. It doesn't matter whether you are high or low, you are even glad that your salary is high because your base is lower. By this time, you will see the problem! This is the reason why so many female employees would rather stay in places where wages are low but social security is fully claimed, and then change jobs after giving birth. Firstly, small places do not like unmarried female employees, and secondly, maternity insurance is also very large. An income supplement. For example, if a person's normal salary is 3,000, but her year-end bonus and other bonus income are included in the social security base declaration, then the monthly average may reach 5,000. At this time, the monthly income during the months when the child is born is 5,000. . If you don't use the money all the time, it seems that you can withdraw all the money when you finally retire. No, it is absolutely possible! ?

### Moreover, the interest rate of provident fund loans is much lower than that of commercial loans, which is also a big advantage

Extended reading: How to buy insurance, which one is better, and a step-by-step guide to avoid insurance These "pits"