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How much does an accident cost per month?

Hello. I'm not working now and I want to pay for my own insurance. Retirement. Medical.

How much does an accident cost per month?

I found that everyone is very concerned about the social insurance they pay.

But paying attention does not mean understanding. Everyone knows exactly what insurance they have paid and what exactly these insurances should be. Questions such as how to use it are relatively unclear

In order to let everyone realize and understand their rights and protect themselves better

First of all, everyone should realize that social insurance is more Commercial insurance is a better type of insurance for the following reasons:

1. Social insurance is a universal welfare security undertaking carried out by the state not for profit, while commercial insurance is for profit. Generally speaking, It is said that commercial insurance charges are much higher than social insurance of the same specifications~

2. Social insurance covers more aspects than ordinary commercial insurance. Commercial insurance generally only covers medical care or pension, social insurance Insurance can generally cover five insurances at the same time, and in the medical field, the advantages of social insurance are very prominent

3. The standards of social insurance are constantly improving every year. The country will set the basic salary of employees in early July every year. The social security base is adjusted, and the adjustment ratio is still very high. Generally, it is increased by more than 10 per year, which means that the later you get, the higher the money you get. The biggest advantage of doing this is that it can eliminate the impact of inflation to a relatively small level, and business Even if insurance will adjust its returns, overall it will not increase faster than social insurance.

In a word, working students who do not participate in social insurance should quickly participate in social insurance. Those who have participated in commercial insurance but Working students who have not participated in social insurance should also participate in social insurance as soon as possible

So, how is social insurance specifically constituted?

Nowadays students often hear this when they go out to find a job. The company pays three insurances and one fund or five insurances and one fund. Yes, this means that the company is willing to pay social insurance for you. However, according to national regulations, when the company pays a part, you personally must also pay a part. This involves the composition of social insurance. On the issue of composition ratio, each province and city has its own standards, so they are not the same, but generally speaking, they are not too different. Take Nanjing, where I am, as an example:

Social Insurance = Pension insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, housing provident fund

(Note: The above five insurances and one fund may be practiced differently in various regions. Your unit may not provide all five insurances and one fund for you. For example, some units in Nanjing do not pay medical insurance for employees and only pay the other four insurances and one fund. Some units do not pay provident fund but only pay five insurances. Therefore, you must find out what insurance your unit pays for you. And whether to pay the provident fund!)

The specific social security composition ratio is:

Pension insurance: The unit pays 21 for you every month, and you pay 8 yourself;

Medical insurance: The company pays 9 yuan for you every month, and you pay 2 yuan plus 10 yuan for serious illness co-ordination (the serious illness co-ordination mainly takes care of hospitalization);

Unemployment insurance: the company pays you 9 yuan every month Pay 2, and you pay 1 yourself;

Work-related injury insurance: the company pays 0.5 for you every month, and you don’t have to pay a penny yourself;

Maternity insurance: the company pays 0.5 every month We pay 0.8 for you, and you don’t have to pay a penny yourself;

Housing provident fund: The unit pays 8 for you every month, and you pay 8 or more yourself

After calculation, The social security ratio your employer pays for you every month should be 21 9 2 0.5 0.8 8 = 41.3

The social security ratio you pay for you every month should be 8 2 10 yuan 1 8 = 19 10 yuan

Excluding the 10 yuan you paid for the time being, the ratio of the unit's payment to your payment 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 added to your social security account every month should be 413 190 = 603 yuan

So it is invisible to you In some cases, the social security fee paid by the employer is actually more than twice that of you, so don’t feel bad when you pay the social security fee every month~ You need to know that the employer’s

You have paid much more, and it is actually the employer that feels sorry for you -

Yeah~ Speaking of the three insurances and one fund and the five insurances and one fund, everyone should have seen it here. In fact, Jianghu The three insurances and one fund mentioned above are exactly the same as the five insurances and one fund. It’s just that the three insurances and one fund are based on the insurance you pay personally (pension, medical and unemployment provident fund), while the five insurances and one fund are based on the insurance paid by your unit ( (pension, medical care, unemployment, work-related injury and maternity provident fund). Calling three insurances and one fund as five insurances and one fund is just a nice thing to say~

In addition to the fact that your employer can pay social security for you, in fact, you have no job but you have income. Students who have an employer but the employer does not pay social security can also pay social security on their own, but individuals can only pay for pension insurance and medical insurance. You can’t pay for work-related injuries, maternity, unemployment, provident fund, etc.

The above has introduced the composition and proportion of social security. Now it is time to introduce what is the social security payment base

Just now, students already know that the proportion of social security paid by the unit every month is almost 413. : 190, so now another question arises: What is the relationship between the social insurance premiums you pay every month and this ratio? How are the social insurance premiums determined?

You may not have noticed that each Provinces and cities will publish a "minimum social insurance payment base" in early July every year. This base is determined based on statistics and calculations of the average wages, benefits, various subsidies and other miscellaneous expenses of employees in the previous year. Nanjing announced in July this year The minimum base is 1189 yuan. What does this mean? It means that as long as Nanjing is a formal unit that pays social security for its employees, the minimum monthly payment for each employee is 1189 × 41.3 = 491 yuan, and the employee’s monthly payment You must pay at least 1189×19 10=236 yuan, so that you and your employer should pay social security fees every month.

But now a new problem has arisen. The wages of employees in Nanjing vary greatly. Some people get 1,000 a month, and some get 10,000 a month. Do those who get 1,000 and 10,000 have to pay the same social security fee?

Please note that 1,189 is the minimum base, and there are others above 1,189 The highest base number. The highest base number in Nanjing this year seems to be more than 8,000. I have forgotten the details. Anyway, if your salary is less than 1,189 yuan per month, the employer must also pay you 1,189 × 41.3 = 491 yuan based on 1,189 yuan, and You have to pay at least 1189×19 10=236 yuan every month. This is the significance of 1189 as the minimum payment base for social security: even if you get 1000 or 800 yuan a month, you must pay the minimum monthly payment according to Pay this 1189!

But if your salary is higher than 1189, for example, you get 3,000 yuan a month, then when your employer goes to the Labor Bureau to pay you insurance (both your employer and the social security fees you pay) It is deducted by the Labor Bureau~) You should say to the Labor Bureau: "Yeah, we have 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 deduct 3,000 yuan. This block is 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 3000×41.3=1239 yuan for you every month, and you personally should pay 3000 yuan every month. ×19 10=580 yuan

That is to say, if your salary is less than 1,189 yuan, then you will pay 1,189 yuan every month; if your salary is more than 1,189 yuan, then you will pay 1,189 yuan every month. Pay your actual salary, unless your salary is higher than the highest base. If you get 10,000 a month and the highest base is 8,000, you and your employer will pay 8,000.

Disclosure here The shameless practice of some companies. These companies may give you thousands of wages 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 receive 3,000 a month, Yuan, they might go to the Labor Bureau and say that you only get 1,189 Yuan, and then the Labor Bureau only deducts 1,189×19 10=236 Yuan from you every month. I’m afraid you are very happy because you feel that your money is being deducted.

Less, you actually get more money

Wrong! If you do this, your company would be too shameless! Because the company pays more than twice as much as you, so the less you pay, they will also pay The less! If calculated based on your actual salary of 3,000, they should pay you 3,000×41.3=1,239 yuan in social insurance every month, but if calculated based on 1,189, they should only pay 1,189×41.3= for you every month. 491 yuan! So you actually suffered a big loss! Regular companies will only declare your actual salary to the labor bureau and then deduct the money! Only those sleazy companies will pay you according to the minimum standard no matter how high your salary is. !!Don’t think that the less you deduct from your social insurance premiums every month, the better!! Maybe you have been shamelessly bullied by the company and you are completely unaware of it!!!

Make sure the unit is The base amount you pay is very simple: if you deduct 300 yuan for social security every month, then your base amount is almost 300÷19≈1578 yuan. Check whether your salary is this amount. If your salary is obviously higher than 1578 yuan, High, for example, if you actually get 3,000 or 4,000 per month, then you must have been bullied by the company. After being bullied, you can go to the local labor inspection brigade to sue your company. Generally, one complaint will be accurate, but it is best to leave the company before you leave. Please find the evidence (such as salary slips, etc.) before filing a complaint, otherwise you will generally not be able to work in the company after filing a complaint -

It should be noted again that the proportion of social security in different places is different. , if you are not in Nanjing, your payment ratio 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 ratio in Nanjing, But students from other places can also use this to roughly calculate their base number

~~~~~~~~~~~~~~~~~~~I am the cute tentacle dividing line~~~~ ~~~~~~~~~~~~~~~~

Well, now you know how much social security fees you should pay every month, but what exactly are these social security fees and how much should they be paid? How to use it? Let’s introduce it below

As mentioned before, social insurance = pension insurance, medical insurance, work-related injury insurance, maternity insurance, unemployment insurance, housing provident fund

First, let’s talk about pension insurance.

This insurance generally has to be paid 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 This is almost the same rule outside Nanjing

If you have paid pension insurance for less than 15 years by the retirement age, the state will refund all the 8% of pensions saved in your personal account to you when you retire.

Then you may ask, where did the 21 paid by your employer go?

Don’t expect the country to hand it over to you. You can use your personal money when you retire. After you leave, the state will transfer all the money paid by your employer for you to the state's pension pool. From now on, this money will have 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 what the country stipulates -

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

Let's take a look at how your pension is calculated when you retire

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, then you must make it before you are 40 years old. Start paying for pension insurance, and if you start paying now at the age of 30, and it will be 25 years until you are 55, then first of all you will be able to enjoy the pension, and secondly, if the payment base of 3,000 yuan you paid after 25 years has been It becomes 6,000 yuan (I'm talking about if), then when you are 55 years old, you can first get a basic pension of 6,000 × 20 = 1,200 yuan every month. This is given to you by the state. In addition, it is in your personal account. I have accumulated a lot of money in 25 years, and I average the payment base to

OK, (3000 6000) ÷ 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 can also get 108,000÷120=900 yuan every month. In this way, starting from the age of 55, you can get at least 1,200 900 = 2,100 yuan in pension every month. Of course, the national base is still going. Increase, so that in addition to your own 900 yuan every year, you will get more than 1,200 yuan every month after retirement, and 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, you will get more and more money. If you pay 1,000 now, you will get 1,500 in ten years. It's all possible

Here is a perfect 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. In this way It seems that people who pay social security in a place with a high base but retire to a place with a low base to enjoy pensions will suffer a big loss. Why do you say this? Let me give you an example. If you worked in Nanjing when you were young and paid 20 years of social security and then retirement, but if your household registration is in Heilongjiang, you must go back to Heilongjiang to enjoy the pension. If you have paid 20 years of social security in Nanjing, the average base is 3,000 (I am talking about if), and when you retire At that time, Heilongjiang's payment base was only 1,000 (I'm talking about 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 poverty when you retire If you are enjoying social security in the local area, you will pay a lot in your life but enjoy very little! If you pay 3,000 yuan, you may only enjoy 1,000 yuan! This is a terrible thing, but there is no way. This is the national policy, so please wait for all those who are currently registered in the west. Students who work in places with a low base but pay social security in places with a high base such as Beijing or Shanghai, please note that you must either pay social security in the west, or move your registered permanent residence to Beijing or Shanghai before retirement, otherwise you will be doing nothing in your life. A huge loss-making transaction

You might say, if my household registration is in Nanjing, then I can just pay in Heilongjiang for 20 years. I will pay in a place with a low base and return home when I retire. Places with a high base enjoy high benefits. Wrong! Do you think the Nanjing Municipal Labor Bureau will let you enjoy it casually?! In this case, Nanjing will find a reason to directly refuse your transfer! Then you will be smart and get kicked out Wrong wisdom: You can’t enjoy it in Heilongjiang, and you can’t enjoy it in Nanjing!

However, some places have some easing regulations for this situation. For example, Nanjing allows you to start from a place with a low base 5 years before retirement. Transfer back to Nanjing, and then continue to pay Nanjing's high base for 5 years in Nanjing. After that, you will be 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 work in your local area now. The bureau should clarify this issue to avoid unexpected accidents when you retire!

Let’s talk about medical insurance

The policy of this insurance country is pretty good, but the important thing is hospitalization reimbursement A lot

As I said before, the monthly medical insurance your employer pays you is RMB 9, and the monthly medical insurance you pay for yourself is about RMB 2 plus a 10-yuan major illness plan. This major illness plan doesn’t care about anything else. Even if you are hospitalized, the country will add your own 2 to your medical insurance account every month. 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 country’s monthly payment This money will be paid to you personally every month. You can accumulate this money and directly swipe your card to buy medicine or see a clinic. The remaining 9 countries will be used to calculate it into the medical overall fund

According to Nanjing's regulations , if you started paying for medical insurance in January 2007, then you can swipe your card to buy medicines or see outpatients from February 2007, and your hospitalization expenses can be reimbursed from July 2007, and the reimbursement is pretty good. It’s complicated, let’s give it an example:

If you were hospitalized on August 1, 2007, and you lived in Nan

The best tertiary hospital in Beijing uses drugs covered by medical insurance during hospitalization. Surgery and hospitalization expenses cost 5,000 yuan per day. When reimbursing, the medical insurance center first deducts 1,000 yuan. This is the starting price. For the remaining 4,000 yuan, the medical insurance center can reimburse 4,000×86=3,440 yuan. You only need to pay 4,000×14=560 yuan. Adding the previous starting price of 1,000 yuan, you only need to pay 1,560 yuan if you spend 5,000 yuan. Okay, and the 1,560 yuan can be deducted from your medical insurance card (if you don’t use that card very often), so in fact you won’t spend much money on hospitalization

Medical insurance is very important to us young people. It is said to be much more important than pension insurance. After all, medical treatment and hospitalization are too damn expensive. This is also the most important significance of participating in social insurance.

However, Nanjing City stipulates that medical insurance must be paid for 25 years before retirement. You will enjoy it for the rest of your life, so if you retire at the age of 55, you must start paying for medical insurance at the age of 30 at the latest

Let’s talk about work-related injury insurance

This insurance is generally used in practice Few, I don’t have many contacts. What I need to remind everyone is that if something happens to you while working or commuting to and from get off work, this insurance will come in handy

But in practice, many people It is a pity that you are unable to enjoy work-related injury insurance if something happens and you do not pay attention to preserving evidence

If you are hit by a car while off work, you should call the police as soon as possible and let the police investigate, record and take photos Collect evidence. After the police handle it, they will issue you an accident identification certificate or something like that. You can take this to your work unit and ask for a work-related injury report

If something happens to you, just let someone run away. And if you haven’t found witnesses or called the police, 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 were injured on July 1, 2007 , then you must report it to your work unit immediately and hand over the evidence and accident appraisal certificate issued by the police as well as your medical records of medical treatment or hospitalization after your work-related injury to the work unit, and ask your work unit to take these materials for work-related injury appraisal. Your work unit must do so in 2007 Send your valid materials to the work-related injury identification center before August 1st. If it is more than one month before your work-related injury, the work-related injury may not be identified. If your company does not go to identify it for you, you can do it yourself. It is best not to take the materials to the appraisal center for appraisal for more than a month, otherwise it will be very troublesome

Let’s talk about maternity insurance

Ah, let me explain this with an example. If you are a girl, your monthly salary is 1,000 yuan, you started paying maternity insurance on January 1, 2007, the payment base is 1,189, and you got pregnant in March 2007, gave birth to a child at the end of December 2007, in January 2008 After you are discharged from the hospital, you should quickly get your marriage certificate (unmarried children cannot be reimbursed), only child certificate (generally speaking, those who have given birth to two children cannot be reimbursed), medical records, card check and all invoices for hospitalization and surgical expenses, hospitalization list, discharge summary, etc. Submit all the materials to the company. If you spent 500 yuan for examination during pregnancy and 2,000 yuan for hospital surgery when you gave birth, generally speaking, the company can basically reimburse you within the scope of medical insurance regulations. After reimbursement, it will be reimbursed to you. The money includes: 500 yuan for examination fees, 2,000 yuan for hospitalization and surgery, 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. Only girls can get it if they reimburse.

The state stipulates that girls must be given 4 months’ average salary when reimbursing for maternity insurance, so if you reimburse for childbirth, you not only don’t have to spend money, but you can also earn 4 months’ salary! If you base The payment you pay is higher than your salary. For example, if you pay 1,189 yuan for 1,000 yuan, then you still make money

You have to pay for maternity insurance for at least one year before you can enjoy it. Remember, remember

In addition, there are A question, boys also pay maternity insurance~ So can boys enjoy maternity insurance?

If you are a boy and your wife does not have a job or your workplace does not pay insurance, and you pay when she gives birth to a child If the maternity insurance is more than one year old, you can also

Maternity insurance is reimbursed, but taking the previous example, you can only reimburse 500 yuan for examination fees and 2,000 yuan for half of the hospital surgery fee = 1,250 yuan. You will not be able to enjoy the subsidy of 1,189 yuan/month x 4 months’ salary! This is something that only girls can enjoy when reimbursing~

For the same expense, girls can get 7,256 yuan for reimbursement, while boys can only get 1,250 yuan for reimbursement. This is probably a rare case of discrimination against men in China. ” policy -

So, it is better for girls to plan before giving birth and start paying maternity insurance to an employer one year in advance. You can make money!

And If a boy wants to marry a wife, it is best to marry a girl who has already paid maternity insurance for a year when giving birth and the base payment is higher than her own salary! But if she really does not have insurance, it does not matter, you can still reimburse her As for maternity insurance, you get four months’ salary without subsidies, and you can only get back half of the reported expenses--

~~~~~~~~~~~~~~~ ~~~~I am the cute dividing line of tentacles~~~~~~~~~~~~~~~~~~~~~

Unemployment insurance, this also requires you to pay it for one year. Enjoy, generally you will get 2 months for 1 year of payment, 4 months for 2 years of payment, but you can get up to 24 months in a lifetime. Here is an example:

If you start paying for insurance on January 1, 2007 , you were fired by the company in January 2008, then you can ask the company to get you unemployment insurance for 2 months. If you paid insurance based on 1189 this year, you can get at least 2 months of unemployment insurance. More than 800 yuan

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, you can also let it go before you leave the company. The company will give you 2 months of unemployment insurance, which is more than 800 yuan.

That is to say, if the contract expires or the company dismisses you, you can ask the company according to the ratio of 2 months of unemployment insurance a year. I'll do it for you. If the company doesn't let you do it, you can sue it, and you'll be fine every time you sue -

But if you resign before the contract expires, then even if you have paid for one year, You can’t enjoy unemployment insurance

As long as you resign by yourself, you won’t get a penny even if you pay unemployment insurance for 10 years until you resign, let alone paying for one year--

~~~~~~~~~~~~~~~~~~~~I am the cute tentacle dividing line~~~~~~~~~~~~~~~~~~~~

Ah, the housing provident fund is 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 Yuan, this is 400 yuan when you buy a house. If you pay 50,000 yuan in your life, then you will have 100,000 yuan in your account. Don’t refuse this kind of good thing~

The provident fund can be used Buying a house, repaying the loan, decorating, etc. If you can find land to build a house on your own, the money to build the house can also be paid from the provident fund

If you never use this money, it seems that when you finally retire Can you withdraw all the money?

Is that okay?

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance