The higher the salary, the more you pay for five insurances and one gold. Is it a loss?

The higher the salary, the more you pay for five insurances and one gold. Is it a loss? From my experience, I not only lost money, but also made a lot of money. Why not lose money and make money? This is mainly determined by the way employees pay five insurances and one gold. Let me share my personal opinion with you:

Paying according to the actual amount is the common principle for units to pay employees' pension insurance, medical insurance, unemployment insurance, unemployment insurance, maternity insurance, industrial injury insurance and housing accumulation fund. There is a saying that the higher the payment, the higher the treatment, and there is another saying that the more you work, the more you get. I think these two sentences are the best summary of employees paying five insurances and one gold. In practice, it also embodies the relationship between process and result, responsibility and obligation, contribution and benefit. From the perspective of payment ratio, the pension insurance unit is twice that of employees, the medical insurance unit is three times that of employees, the unemployment insurance unit pays 0.5% for employees, the unit pays as much as the housing provident fund, and all the money paid belongs to individuals.

From the perspective of endowment insurance, the total contribution ratio is 24%, the unit contribution ratio is 16%, and the individual contribution ratio is 8%, in which the unit contribution is included in the overall account and the individual contribution is included in the personal account. What is the concept of this personal account, that is, money always belongs to individuals and can be inherited in the future. From this structure, individuals do not lose money, but make money because the unit loses money. The unit also needs to pay according to your payment base, but the individual payment belongs to the individual, but the unit payment part is neither the unit nor the individual employee, but belongs to the overall fund account, which is equivalent to contributing to the overall fund and the national endowment insurance, but the individual payment part is actually contributing to the individual, and others cannot enjoy the benefits of your own payment.

From the perspective of medical insurance, the total contribution ratio is 8%, the unit contribution is 6%, which is included in the medical pooling fund, and the individual contribution is 2% into the personal account. The money credited to the personal account should be returned to the personal social security card. This money will always belong to individuals and can be inherited. Except the part paid by yourself, the part paid by the company should be returned to the personal social security card according to 30% of 6%, which means that 30% of 6% paid by the company belongs to you personally, and 70% of 6% belongs to the medical pooling fund. What is the use of 70% of the 6% included in the medical pooling fund? To pay the hospitalization expenses of the insured, the higher the salary, the higher the payment base, the greater the proportion of 2% transferred to the personal account, and the higher the amount of 30% returned by the unit. The higher the payment base, the higher the amount returned by the person with high payment base, so from this perspective, I didn't lose at all, but also earned, and the amount earned was much higher than those with low salary and low payment base.

From the perspective of unemployment insurance, because the proportion of payment is relatively low, there is room for receiving unemployment insurance benefits in the future, and this space is the interval. For example, the monthly unemployment insurance premium is higher than the minimum wage of employees and lower than the average wage of employees, and there is an interval that will be linked to the payment period of my contribution base. Of course, people with higher wages are not easy to lose their jobs, and it may be difficult to get unemployment insurance benefits. But what if one day the boss doesn't like you and wants to fire you?

At present, maternity insurance is incorporated into medical insurance, and individuals do not pay. Individuals pay work-related injury insurance, and there is no loss. Let's talk about housing provident fund first. The contribution ratio of housing provident fund ranges from 5% to 12%. If your salary is higher, pay it at the rate of 12%. I think the monthly deposit of housing provident fund is very large, which is why some people can reach several thousand yuan every month. The larger the deposit base of housing provident fund, the higher the specific deposit amount. The more individuals pay, the more units pay. Both unit contributions and individual contributions are included in personal accounts. Even if you don't buy a house, it's still a large deposit. Whose deposit will always belong to you, so people with high wages have a high deposit base and more personal housing provident fund deposits. This is not a loss, but a big profit, not ordinary.

To sum up, the higher the salary, the more you pay for five insurances and one gold, not a loss, but a big profit. Of course, the big benefits of endowment insurance are mainly reflected in the balance of personal account funds and the return of future pension calculation, which is a long-term benefit, long-term benefit; Medical insurance has both immediate and long-term benefits. Only the housing provident fund is more realistic and belongs to the real personal deposit in the near future.

Glad to answer your question?

The higher your salary is, the higher your contribution base will be in the next natural year, so the more you pay for five insurances and one gold, the more you deduct, the less you get. But personally, I think that the more you pay for five insurances and one gold, the more you earn, not lose! Let me list and analyze them one by one!

First, the higher the salary, the higher the payment base. In our society, there will be a rule that employees pay five insurances and one gold for employment. This is the welfare of China employees!

Generally speaking, the higher the employee's salary and bonus, it means that the payment base of five insurances and one gold in this natural year is larger, and the payment base of five insurances and one gold is determined according to the employee's salary base!

Let me use the payment base of Chaoyang District 10000 and 5000 in Beijing to explain: (The payment ratio of five insurances and one gold is 22%+3).

1, calculated according to the payment ratio of 10000.

10000*22%+3=2203 yuan, which means that the unit will deduct 2203 yuan from the salary every month. Then the salary is: 10000-2203=7797 yuan.

2, according to the proportion of 5000 payment.

5000*22%+3= 1 103 yuan, which means that the unit deducts 1 103 yuan from the salary every month, so the salary is 5000- 1 103=3897 yuan.

You may think it's good to deduct less, but have you ever thought that more pensions are deducted, more housing provident fund accounts are paid, more units are paid, and more personal accounts are deposited!

Second, high wages are guaranteed. Everyone knows that social insurance is a principle of paying more and getting more. As long as you pay more, you will enjoy higher retirement benefits and more protection after retirement. Therefore, high wages are guaranteed!

Generally speaking, the higher the salary, the higher the payment base, and the better for employees. They not only get more personal accounts for housing provident fund, but also enjoy higher retirement benefits after retirement. This is not a loss, it is purely a welfare treatment! Welcome to leave a message in the comment area for discussion. I'm @ Dong Ge. Let's share more exciting content!

Hello, landlord. The higher the salary, the more you pay for five insurances and one gold. Are you losing money yourself? This is definitely not. The higher our salary, the higher your base of payment for five insurances and one gold. Compared with people with low wages, your contribution base is higher, so the proportion deducted from your personal salary will be higher. This is a direct ratio.

Is it good for you to pay more for your five insurances and one gold? Take the old-age insurance for example. If your contribution base is higher, it means that your average contribution index will be higher, and the level of pension you will enjoy in the future will be higher, so it is a welfare for yourself, because it is ourselves who benefit.

Take the housing provident fund to illustrate this problem. If you say that your base is relatively high, it means that your monthly housing provident fund deduction will be relatively high. At the same time, as a work unit, it will give you higher housing provident fund treatment. Therefore, the balance of your personal account will be more than that of people with lower wages, so we will ultimately benefit ourselves. Therefore, the higher the five insurances and one gold payment, we actually don't want it.

Thanks for reading, please add my attention.

How to determine the payment base of five insurances and one gold? According to the total wages of employees in the previous year. Some people say that the higher the salary, the higher the payment base, so will retirement suffer?

At present, our five insurance and one gold system emphasizes the principle of giving priority to efficiency and giving consideration to fairness, and strives to promote the development of enterprises and market workers, solve the social employment problem, and encourage everyone to pay social security provident fund. There are indeed some private and small and micro enterprises that fail to provide employees with five insurances and one gold according to national requirements or pay five insurances and one gold according to the real base. In this case, workers can complain to the relevant rights protection departments, and they will investigate and deal with them according to law. As for expecting every enterprise to strictly investigate and deal with it, it is unlikely; In addition, it will have a serious impact on market participants and will reduce employment opportunities. Therefore, many people think that it is good to pay five insurances and one gold according to the minimum base. In fact, for employees, the higher the base for paying five insurances and one gold, the more cost-effective.

High-base employees enjoy five insurances and one gold in the employer, and the related expenses are shared by the employees and the employer. For example, to participate in endowment insurance, employees themselves need to bear 8% of the payment base; Medical insurance, employees themselves need to bear 2% of the payment base; Housing provident fund employees have to bear 5%~ 12%. For example, industrial injury insurance and maternity insurance do not need to be borne by employees themselves, and unemployment insurance for rural hukou does not need to be borne by individuals, and urban hukou needs to bear 0.3%~ 1%.

The part that the employer needs to bear must be paid according to law. Of course, under special circumstances, the state will also give relief. For example, during the COVID-19 epidemic this year, the state lowered the pension, work injury and unemployment insurance that employers of small and medium-sized enterprises should bear in full from February to 65438+February. In addition, you can also apply for deferred payment, free of late fees.

Like endowment insurance, we record it in personal account according to 8% of the payment base, that is to say, all individual contributions go into personal account. After the personal account dies according to the state regulations, the uncollected balance can be inherited by the heir, so everyone will not lose money. In addition, a high payment base can also increase the average payment index, and the treatment is higher when calculating the pension.

Medical insurance, the part credited to the personal account is not less than 2% paid by the individual. For example, in Shenzhen, 5% (under 45 years old) and 5.6% (over 45 years old) of the payment base are recorded respectively, and individuals will not lose money.

Although individuals pay 5%~ 12% of the payment base, employers have to pay the corresponding amount, which actually belongs to disposable personal income.

Therefore, according to the corresponding laws, the higher the payment base, the less it will obviously lose money.

There are many treatments that have nothing to do with the payment base. Of course, some benefits, such as unemployment insurance, medical insurance, maternity insurance and industrial injury insurance, pay attention to fairness and will not reflect the level of payment base.

For example, our medical insurance is mainly to solve the problem that everyone is poor due to illness and returns to poverty due to illness. As long as you participate in the basic medical insurance, the treatment of hospitalization reimbursement and outpatient reimbursement is basically the same.

The corresponding reimbursement level of industrial injury insurance is the same. It is also more cost-effective to pay a one-time disability subsidy for work-related injury insurance according to my payment base. However, one-time employment subsidies and one-time medical subsidies are generally paid according to social wages or other standards.

Maternity insurance is also the same reimbursement ratio and amount. Maternity allowance is determined according to the average payment base of my unit, which has nothing to do with me.

Unemployment insurance benefits are basically the same for everyone, and people in individual areas have different standards because of the different years of receiving unemployment benefits.

The amount and interest rate of housing provident fund loans have nothing to do with the payment base in some places. For example, Beijing determines the loan amount according to the payment period.

Generally speaking, the main purpose of social insurance fund is to adjust the function of social income distribution gap and realize social security. It is indeed more obvious that employees pay low base fees to reduce the burden on enterprises, but obviously they will suffer more from their social security benefits.

Hello, landlord, the higher the salary, the more you pay for five insurances and one gold. Are you losing money yourself? That's not true. The higher your salary, the higher your base level of payment for five insurances and one gold. For yourself, the income and return will actually be higher, so it will only be good for yourself and will not suffer.

Because itself, especially for on-the-job employees, it is the work unit and individuals who bear all the payment amount, which means that the enterprise unit or your work unit needs to bear most of the payment amount, while we personally only need to bear a small part of the payment amount. The more you pay, the higher the cost borne by the enterprise, and the greater the return and income you get.

For a simple example, if your pension insurance contribution base is appropriately increased, it means that your average contribution index will also increase in the future. Then the level of pension you get is generally higher than that of individuals with lower payment level. In fact, your pension will be higher, which is good for you. So endowment insurance is the same as other insurance products.

Thanks for reading, please add my attention.

Five insurances and one gold are the guarantee for your normal life and old age. Actually, it's better to pay more. The more you pay, the more the company will help you pay.

For example, Lao Wang participated in social security at the age of 30, with a monthly salary of 5,000 yuan and an average salary of 3,500 yuan in the local society. Then he needs to pay endowment insurance every month, accounting for 8 points of his salary, that is, 400 yuan. It takes 15 years to pay13,000 yuan, and it takes 229,000 yuan to pay for 25 years.

If you start to receive a pension at the age of 60 and pay the pension 15, you can get a total of 126000 at the age of 62, and you can pay it back in the third year! Lao Wang, who has paid a pension for 25 years, can get 305,000 yuan at the age of 63, and will not be able to return to his capital until the fourth year.

If you pay the endowment insurance for 25 years, you will get 32,000 more each year than only paying 15, which is nearly 80% more. If you adopt an 80-year-old and pay 25 years of old-age insurance, you will get 970 thousand more than just paying 15!

If you pay a high proportion, you can get higher than many peers when you retire.

Paying more is not losing money, but making money.

There is no loss at all.

Five insurances and one gold are what people usually call social security.

The payment of five insurances and one gold is determined according to my average salary in the previous year. The higher the salary, the more social security fees will be paid every month. But the more individuals pay, the more they get in return.

1. Pension insurance:

The proportion of endowment insurance payment is 28%, of which 20% is borne by the unit and goes to the overall fund, and 8% is borne by the individual employee, all of which goes to the individual account.

The basic principle of endowment insurance is "pay more, get more." The more individuals pay each month, the more money they have in their personal accounts, and the more personal account pensions are calculated when they retire.

Second, medical insurance:

The medical insurance contribution rate is 12% in most areas, of which the unit contribution is 10% and the individual contribution is 2%. In addition, we have to pay a few dollars a month for serious illness co-ordination and reimbursement of major diseases. Medical Insurance Every month, the medical insurance bureau will return the insured's medical insurance card, so that the insured can use it to pay for going to the outpatient clinic or buying medicine at the pharmacy. The proportion of money paid by the medical insurance bureau to the insured person's card every month is determined according to the insured person's age and his total salary. The higher the salary, the more money will be returned to the medical insurance card every month.

Third, unemployment insurance:

The contribution rate of unemployment insurance is 3%, of which 2% is borne by the unit and 1% by the individual employee.

Four types of industrial injury insurance:

The contribution rate of work-related injury insurance is 0.5%, which is borne by the unit, and individual employees do not have to pay.

Five maternity insurance:

The contribution ratio of maternity insurance is 0.8%~ 1%, which is all borne by the unit, and employees do not have to pay.

Six provident funds:

The contribution ratio of provident fund is 8%~ 12%, and most places pay it according to the ratio of 12%. No matter how much the individual pays, the unit will match the same proportion of funds and all of them will enter the employee's personal provident fund account.

It can be seen that the higher the salary, the more you pay for five insurances and one gold, which is true. However, the more individuals pay, the more they suffer. This kind of worry is completely unnecessary. The higher the salary, the higher the social security cost. When you retire, not only will there be more pensions, but also more provident funds, and there will be more money in the medical insurance card.

I don't know where you read it, but you have such an idea or such a preliminary conclusion.

Although some insured people have high wages, the social insurance premium paid by the unit (company) for them is not high, even only 60% of their actual salary base, perhaps 46% lower; In this way, the unit (company) has saved a lot of costs, but the actual salary of the insured has not increased, and the amount of housing provident fund deposit will also drop significantly.

Over time, the insured person will not only suffer big losses when he reaches the legal retirement age, but also suffer big losses when he withdraws the housing provident fund at one time when he retires.

If the insured person's actual salary is high, and the five insurances and one gold paid are also high, then the insured person will have a significant advantage when he reaches the legal retirement age, because the basic pension of the insured person is much higher than that of most people.

If the insured person's actual salary is high, and the five insurances and one gold paid are also high, it can be said that it is an ideal state to pay five insurances and one gold according to the actual salary, because it can ensure that you can get more pensions and more housing accumulation funds when you retire. Units (companies) that can do this are basically monopolized state-owned enterprises and large private enterprises.

Then, those small and medium-sized private enterprises and small and medium-sized enterprises do this: First, they violate the mandatory provisions of the Labor Law, the Labor Contract Law and the Social Insurance Law, and do not pay social insurance premiums to employees, which undoubtedly seriously infringes on the legitimate rights and interests of employees; Second, although it also pays social insurance premiums for employees, it is also a typical violation of laws and regulations to pay social insurance premiums for employees based on the local minimum wage standard, which is obviously harmful to the basic interests of employees; Third, paying social insurance premiums according to the actual wages of employees can be said to be the best state.

Some insured people have paid social insurance premiums for 20 years, even 25 years, or even more than 30 years. When they reach the legal retirement age, they are only one or two thousand yuan. If they can exceed 2,800 yuan, they will be considered "excellent". The reason why it is so embarrassing is that the insured's pension insurance payment base is very low, and the local average social wage in the previous year (the average wage of employees on the job) is relatively low, for example, only 5,000 yuan.

In this way, the insured's basic pension is much shorter, which means that the amount of personal account savings is also much less, and the molecules of personal account savings are also small. Then divide by the number of months when you retire at 60 139. How much do you think is left in the personal account pension?

If the basic pension is less, the personal account pension will be less, so can the insured receive more basic pension? Of course not. For those who pay five insurances and one gold on the basis of high salary, if the payment period is the same as the social average wage (the average wage of employees on the job), a high payment base means a high payment index, even the possibility of reaching 1.0 or even 1.2 or 1.5 is not ruled out, and middle and senior managers and key technicians can even reach 2.2 or 2.6. A high payment base means a high personal account deposit, which will inevitably lead to a high personal account pension, which determines that the insured will get a higher basic pension.

Refuse a long speech. Brother Hui, let's talk.

First of all, we must be clear about two things:

1. The more personal social security contributions, the more pensions, and the better medical insurance benefits.

2. Provident fund account = individual contribution+unit contribution. Provident fund can be used to buy a house, rent a house and decorate a house, but it is actually your own money!

The higher the salary, the higher the base of paying five insurances and one gold, and the more the five insurances and one gold are paid.

For comparison, the same pre-tax salary is 5,000 yuan, and A pays five insurances and one gold according to the minimum base of 3,500:

After-tax salary 4223, provident fund account 420*2=840, 5063 yuan.

B Pay five insurances and one gold at 5000.

After-tax monthly salary is 3890. Some people say the salary is low, but! Pay attention to the provident fund at this time, both parties have arrived 1200! After-tax salary+provident fund = 5090, which is higher than paying five insurances and one gold according to the base of 3500!

Therefore, we should introduce a concept called "all-inclusive salary", that is, monthly salary+provident fund, all of which are real money! The higher the salary, the more you pay five insurances and one gold according to the full base! Otherwise, you will suffer!

Don't be fooled by the employer with "paying five insurances and one gold base with low salary"! The salary is high, but the all-inclusive salary is low!