How much is the deduction of insurance for an individual? How much is it a month?

The specific proportion of social security is: 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 1 yuan for serious illness co-ordination (serious illness co-ordination mainly manages hospitalization); Unemployment insurance: the unit pays 2% for you every month, and you pay 1% yourself; Work-related injury insurance: the unit pays .5% for you every month, and you don't have to pay a penny yourself; Maternity insurance: the unit pays .8% for you every month, and you don't have to pay a penny yourself; Housing accumulation fund: the unit pays 8% for you every month, and you pay more than 8% yourself. So, the social security ratio paid by the unit every month should be 21%+9%+2%+.5%+.8%+8%=41.3%, and the social security ratio paid by yourself every month should be 8%+2%+1 pieces+1%. The proportion paid by the company and that paid by you should be 413:19, which means that if you pay 19 yuan for your social security every month, the company will put 413 yuan into your social security account, and the money added to your social security account every month should be 413+19=63 yuan. So, under the condition that you can't see, the social security fee paid by the company is actually more than twice as much as yours, so you pay social security every month. Back to the three insurances and one gold and five insurances and one gold, everyone should have seen it here. In fact, the three insurances and one gold mentioned in the Jianghu are completely equal to five insurances and one gold, but the three insurances and one gold are from the insurance paid by you personally (pension+medical care+unemployment+provident fund), and the five insurances and one gold are from the insurance paid by your company (pension+medical care+unemployment+work injury+maternity+provident fund). It's just nice to say that three insurances and one gold are five insurances and one gold. In addition to the company can pay social security for you, in fact, people who have no job but have income, or those who have a company but don't pay social security can also pay social security themselves, but individuals can only pay endowment insurance+medical insurance, work-related injuries, maternity, unemployment and provident fund, which you can't pay personally. Let's introduce what is the social insurance payment base. Just now, we all know that the social insurance payment ratio paid by the unit every month is almost 413:19, so now another question comes out: What is the relationship between the social insurance premium paid by yourself every month and this ratio? How is the social insurance premium determined? You may not have noticed that every province and city releases a "minimum payment base for social insurance" every year in early July. This base is determined after statistics and calculations based on the average salary+welfare+various subsidies of employees in the previous year. The minimum base announced by Nanjing in July this year is 1189 yuan. What does this mean? It means that as long as Nanjing is a unit that regularly pays social insurance for employees, The money paid for each employee every month is at least 1189×41.3%=491 yuan, and the employee has to pay at least 1189×19%+1=236 yuan every month, so that the social security fee that you and the unit should pay every month will come out. But now there is a new problem. The wages of employees in Nanjing are very different. Some people get 1, yuan a month, while others can get 1, yuan a month. Is it true that both those who get 1, yuan and those who get 1, yuan pay the same social security fee? Please note that this 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,, and I have forgotten the details. Anyway, if your salary is below 1189 yuan per month, the company must pay 1189×41.3%=491 yuan for you according to 1189 yuan, and you must also pay at least 1189× 19%+per month. But if your salary is higher than 1189, for example, if you get 3, yuan a month, when your company goes to the labor bureau to pay insurance for you (the social security fees paid by your company and you are deducted by the labor bureau), you should say to the labor bureau: "Yeah, we have a comrade here who gets 3, yuan a month. Please deduct the agency fee according to the standard of 3, yuan. Then the Labor Bureau will deduct your company and your money with 3, yuan as the payment base and then pay it to your social security account. At this time, your company should pay 3,× 41.3% = 1,239 yuan for you every month, and you should pay 3,× 19%+1 = 58 yuan every month, that is, if your salary is below 1,189 yuan. If your salary is more than 1189 yuan, then you will pay according to your actual salary every month, unless your salary is higher than the maximum base. If you get 1 yuan a month and the maximum base is 8, you and your company will pay it here according to 8 to expose the shameless practices of some companies. These companies may give you thousands of wages every month, but they will not report it according to your actual salary when they go to the bureau to declare your base. For example, if you take 3, yuan a month, they may say that you only take 1,189 yuan when you go to the labor bureau, and then the labor bureau only deducts 1,189× 19%+1 = 236 yuan from you every month. I'm afraid you are still very happy, because you think it's wrong to deduct less money from you. If so, your company is shameless! Because the company pays more than twice as much as you, the less you pay, the less they pay! If you calculate according to your actual salary of 3, yuan, they should pay you 3× 41.3% = 1,239 yuan in social security fees every month, while if you calculate according to 1,189 yuan, they only pay 1,189× 41.3% = 491 yuan for you every month! So in fact, you suffered a big loss! Regular companies will only report to the labor bureau according to your actual salary and deduct the money! Only those cheap 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 security fee every month, the better! ! Maybe you have been shamelessly bullied by the company and you have no idea! ! ! It's very simple to determine the base that the company pays for you: if you deduct 3 pieces of social security every month, your base is almost 3÷19%≈1578 yuan. See if your salary is this number. If your salary is obviously higher than 1578, for example, if you actually get 3 or 4 yuan every month, you must have been bullied by the company. After being bullied, you can go to the local labor inspection brigade to sue your company, but it is best to find the evidence (such as salary slips, etc.) before you leave the company, otherwise you will not be able to get along with the company after you sue-+To explain again, the proportion of social security is different in different places. If you are not in Nanjing, your contribution ratio is likely to be 19%, but it will certainly not be too bad. For example, your base may be 2. So although 19% is the proportion of Nanjing, students from other places can also calculate their own base by this. Let's introduce the specific situation of these social insurance premiums and how to use them. As I said before, social insurance = endowment insurance+medical insurance+work injury insurance+maternity insurance+unemployment insurance+housing provident fund. Let's talk about endowment insurance first. This insurance generally has to be paid for 15 years before you can enjoy the pension for life. Therefore, students who want to get a pension must start paying it 15 years before they retire. This is almost the same outside Nanjing. If you have paid pension insurance for less than 15 years at retirement age, the state will refund all the 8% of the pension saved in your personal account to you when you retire. Then you will ask, where is the 21% paid by the unit? You can't expect the state to give it to you. After you retire and take away your personal money, the state will transfer all 21% of the money paid by the unit to the national pension fund. From then on, this money has nothing to do with you. You may say: Damn it! That's my money. Why don't you give it to me? Because that's how the country stipulates that when returning money, only the money withheld by the individual will be returned to the individual, and all the money paid by the unit for him has contributed to the country-let's take a look at how the pension is calculated when you retire. The algorithm of the pension is very complicated, because the country changes the payment base once a year. For example, if you are 3 years old now, your current payment base is 3, yuan. If the retirement age is 55 years old, you must start to pay the old-age insurance before you are 4 years old, and if you start to pay it now at the age of 3, and it will be 25 years since you are 55 years old, then you must first enjoy the pension. Secondly, if the payment base of 3 yuan you paid after 25 years has become yuan (I said if), Then when you are 55 years old, you can get a basic pension of 6×2%=12 yuan every month, which is given to you by the state. In addition, the money in your personal account has accumulated a lot in 25 years. Just average the payment base, (3+6)÷2=45. Then you should have 4,5× 8% (the proportion of individuals who have paid endowment insurance )× 25× 12 months = 18, yuan in your personal account in the past 25 years, so you can get 18, ÷ 12 = 9 yuan every month in addition to the previous 1,2 yuan, so that you can get at least 1,2+9 yuan every month from the age of 55. In this way, in addition to your own 9 yuan every year, you will get more than 1,2 yuan every month after retirement, so your pension will certainly increase. So the more you pay for old-age 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. Now it is possible to get 1,5 yuan after paying 1, years. Here is a perverted policy to introduce. That is, no matter where you pay social security fees, when you retire, you can only go back to the place where your account is located to enjoy local retirement benefits. So, people who pay social security in places with high base but enjoy pensions in places with low retirement base will lose a lot. Why do you say that? Let me give you an example. If you worked in Nanjing when you were young, paid social security for 2 years and then retired, but if your registered permanent residence is in Heilongjiang, you must go back to Heilongjiang to enjoy the pension. If you paid in Nanjing for 2 years, the average base is 3, (I said if), and when you retired, the contribution base in Heilongjiang is only 1, (I said if), then you can only enjoy the treatment of 1, when you retire! This is a loss! In a word, if you pay social security in a rich place but go back to a poor place to enjoy social security when you retire, you will pay a lot but enjoy very little in your life! Paying 3 yuan may only enjoy 1 yuan! This is a terrible thing, but there is nothing we can do. This is the policy of the country. Therefore, please pay attention to all students who work in places with low base such as the west but high base such as Beijing or Shanghai. You can either pay social security in the west or move your account to Beijing or Shanghai before retirement, otherwise you will be doing a business with a huge loss in life. Maybe you will say, if my account is in Nanjing, I will pay it in Heilongjiang for 2 years. If the base is low, Do you think Nanjing Labor Bureau will just let you enjoy it? ! In general, Nanjing will find a reason to directly refuse your transfer! At that time, you will be smarter than you are: you can't enjoy it in Heilongjiang and you can't enjoy it in Nanjing! However, some places have some relaxed regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay a high base in Nanjing for five years before it allows you to return to Nanjing to enjoy the pension. This policy is estimated to be different in different places. Students who plan to transfer in the future had better go to your local labor bureau to find out this problem now, so as to avoid unexpected accidents when they retire! Let's talk about medical insurance. The policy of this insurance country is not bad. What's important is that there are a lot of reimbursement for hospitalization. As I said before, the medical insurance that the unit pays you every month is 9%, and the medical insurance that you personally pay every month is about 2% plus 1 yuan. This serious illness co-ordination takes care of your hospitalization, and the 11% countries will pay your own 2% to your medical insurance account every month. If you pay social security according to the minimum base of 189 yuan every month, Then 1,189 × 2% = 23.78 yuan is the money that the country calls you personally every month. You can accumulate this money and directly swipe your card to buy medicine or see an outpatient clinic, and the remaining 9% will be included in the medical pooling fund. According to the regulations of Nanjing, if you pay medical insurance from January 27, you can swipe your card to buy medicine or see an outpatient clinic from February 27, and your hospitalization expenses will start from July 27. The report is quite complicated. Let's take it as an example: If you were hospitalized on August 1st, 27, and you were in the best tertiary hospital in Nanjing, all the medicines you used during your hospitalization were within the scope of medical insurance, and the expenses such as surgery and hospitalization cost 5, yuan, then the medical insurance center will deduct 1, yuan at the time of reimbursement, which is the starting price, and the remaining 4, yuan can be reimbursed by 4, yuan. You only need to pay 4,× 14% = 56 yuan, plus the previous starting price in 1 yuan, you only need to pay 1,56 yuan after spending 5, yuan, and this 1,56 yuan can be deducted from your medical insurance card (if you don't use that card much at ordinary times), so in fact, you don't need much money for hospitalization. Medical insurance is much more important to us young people than old-age insurance. After all, it's too fucking expensive to see a doctor and be hospitalized. This is also the most important significance of participating in social insurance. However, Nanjing stipulates that medical insurance must be paid for 25 years before you can enjoy it for life after retirement. Therefore, if you retire at the age of 55, you must start paying medical insurance at the latest at the age of 3. Let's talk about industrial injury insurance, which is generally used less in practice and I don't have much contact with it. What needs to be reminded is that if something happens to you at work or when you go to work, This insurance will come in handy, but in practice, many people do not pay attention to the preservation of evidence, which makes them unable to enjoy work-related injury insurance. This is a pity. If you are hit by a car when you get off work, you should call the police as soon as possible and let the police investigate the records and take photos to collect evidence. After the police handle it, they will give you an accident certificate or something. You can take this to the company and ask to report a work-related injury. If something happens to you, you can let people run away without calling a witness or calling the police. If there is no evidence, it will generally not be accepted as a work-related injury. There is still a time limit. If you have a work-related injury on July 1, 27, you must report it to the company immediately, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of seeing a doctor or being hospitalized after the work-related injury to the company, and ask the company to take these materials.