Why does the company deduct 154 yuan from me every month to pay social security? How much does it cost to pay for this kind of social security per year? What type of social security is it? What did yo

Why does the company deduct 154 yuan from me every month to pay social security? How much does it cost to pay for this kind of social security per year? What type of social security is it? What did you buy?

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 this case, the unit pays

The social security fee of your employer is actually more than twice yours, so don’t feel bad when you pay the social security fee every month~ You have to know that the employer pays much more than you do, and it is actually the employer that feels distressed--

Yeah~ Talking about 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’s just the three The insurance and one fund are based on the insurance paid by you personally (pension, medical, unemployment and maternity provident fund), and the five insurances and one fund are based on the insurance paid by your unit (pension, medical, unemployment, work-related injury and maternity provident fund). The three insurances and one fund are described as Five insurances and one housing fund actually just sounds nice~

In addition to your employer paying social security for you, in fact, students who are unemployed but have income or students who have an employer but their employer does not pay social security can also pay social security themselves. However, 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. Next, let’s introduce what social insurance is. The base payment is done

Students have just known that the ratio of social security paid by the employer every month to the ratio paid by you is almost 413:190, so now another question arises: how much social security do you pay every month? What is the relationship between social insurance premiums and this ratio? How are social insurance premiums determined?

You may not have noticed that each province and city releases a "Minimum Social Security Payment Base" in early July every year. This The base number is determined based on the average salary, benefits, various subsidies and other miscellaneous expenses of employees in the previous year after statistics and calculations. The lowest base number announced by Nanjing in July this year is 1,189 yuan. What does this mean? It means that as long as Nanjing is An organization that formally pays social security for its employees should pay at least 1189×41.3=491 yuan for each employee every month, and employees must pay at least 1189×19 10=236 yuan every month. In this way, you and the unit pay at least 1189×1910=236 yuan every month. The social security fees that should be paid have been revealed

But now a new problem has emerged. The wages of employees in Nanjing vary greatly. Some people get 1,000 a month, and some can get 10,000 a month. Is it called getting 1,000 and 10,000 a month? Anyone who earns 10,000 should pay the same social security fee?

Please note that 1,189 is the lowest base, and there is a highest base above 1,189. The highest base in Nanjing this year seems to be more than 8,000. I have forgotten the details. Anyway, if your salary is less than 1189 yuan per month, your employer must 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 This is the significance of 1189 as the minimum payment base for social security: even if you receive 1000 or 800 yuan a month, you must pay the minimum monthly payment of 1189!

But if your salary is higher than 1189 It should be higher. For example, if you get 3,000 yuan a month, when your employer goes to the labor bureau to pay you insurance (your employer and the social security fees you pay are both 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 the social security premium 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 pay it to your social security. On the account, your company should pay you 3000×41.3=1239 yuan every month, and you personally should pay 3000×1910=580 yuan every month

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

Here I want to expose the shameless practices of some companies. These companies may give you thousands every month. salary, 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 earn 3,000 yuan a month, they may go to the Labor Bureau and say that you only earn 1,189 yuan, and then the labor bureau will

Dongju only deducts 1189×19 10=236 yuan from you every month. I’m afraid you are still very happy, because you think the deducted money is less, but you actually get more money

Wrong! If this is the case Your company is so shameless! Because the company pays more than twice as much as you do, so the less you pay, the less they pay! If calculated based on your actual salary of 3,000, they should pay you every month Pay 3000×41.3=1239 yuan in social insurance, but if calculated according to 1189, they only pay 1189×41.3=491 yuan for you every month! So in fact you suffer a big loss! Regular companies will only pay according to your Go to the labor bureau to declare your actual salary and then deduct it! 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!!!

It is very simple to determine the base amount paid by the company for you: If you deduct 300 yuan in social security every month , then your base number is almost 300÷19≈1578 yuan. Check whether your salary is this amount. If your salary is obviously higher than 1578 yuan, for example, you actually get 3000 or 4000 yuan every month, then you must have been paid by the company. If you are bullied, you can go to the local labor inspection brigade to file a lawsuit against your work unit. Generally, one complaint will be accurate. However, it is best to find the evidence (such as salary slips, etc.) when you leave your job before filing a lawsuit. Otherwise, you will file a lawsuit later. It is generally impossible to survive in a company -

I want to point out again that the social security composition ratio is different in different places. If you are not in Nanjing, your contribution ratio is probably not 19, but it will definitely not be bad. There are too many. For example, your base number may be 20 or 22, but it will definitely not be 30 or 40! So although 19 is the ratio in Nanjing, students from other places can also use this to roughly calculate their own base number

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

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

Let’s talk about pension insurance first

This insurance generally requires payment for 15 years until retirement. You can enjoy the pension for life only when you reach the retirement age, so students who want to take the pension must start paying it 15 years before they retire. This is almost the same rule outside Nanjing

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

Then you will ask where the 21% paid by your employer will go. 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 money paid by your employer for you to the state’s pension fund. It’s in the overall 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 the country is This is stipulated--

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 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 now When you are 30 years old, your current payment base is 3,000 yuan, and if the retirement age is 55, you must start paying for pension insurance before you are 40. If you start paying now when you are 30, you will pay 55 If the age is 25 years, then first of all, you will definitely be able to enjoy the pension. Secondly, if the payment base of 3,000 yuan you pay after 25 years has become 6,000 yuan (I am talking about if), then when you are 55 years old, first You can get a basic maintenance of 6000×20=1200 yuan every month

Lao Jin, this is given to you by the state. In addition, you have accumulated a lot of money in your personal account in the past 25 years. Just average the payment base, (3000 6000)÷2=4500, then you have accumulated a lot of money in the past 25 years. There should be 4500 × 8 (your personal proportion of pension insurance payment) × 25 years × 12 months = 108,000 yuan in your personal account. Then in addition to the previous 1,200 yuan, you can also get 108,000÷120= every month. 900 yuan, so that you can get at least 1,200 900 = 2,100 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 a pension every month after retirement. If you get more than 1,200 yuan, your pension will of course be more and more.

So the more you pay for pension insurance, the better. The more you pay, the better your pension will be after retirement. The more you enjoy, and after the country adjusts the base every year, you will get more and more money. It is possible to pay 1,000 now and get 1,500 in ten years

Here is an introduction** The policy is that no matter where you pay social insurance, when you retire, you can only go back to your place of residence to enjoy the local retirement benefits. From this point of view, if you pay social security in a place with a high base, but retire in a place with a low base, you can enjoy it. People with pensions will suffer a big loss. Why do you say that? 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, then you You must return to Heilongjiang to enjoy your pension. If your average payment base in Nanjing for 20 years is 3,000 (I am talking about if), and when you retire, the payment base in Heilongjiang is only 1,000 (I am talking about if), then you 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 pay a lot in your life but enjoy very little! Pay 3,000 You may only enjoy 1,000 yuan! This is a scary thing, but there is no way. This is the national policy, so all those who currently have a household registration in places with low bases such as the West but work in places with high bases such as Beijing or Shanghai should pay social security Attention, students, you must either pay social security in the west, or move your household registration to Beijing or Shanghai before retirement, otherwise you are making a huge loss in life

Then you may say, If my household registration is in Nanjing, wouldn’t it be better for me to 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! Do you think the Nanjing Municipal Labor Bureau will follow suit? Are you allowed to enjoy whatever you want?! Normally 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!

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. After that, it Only then are you 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!

Let’s talk about 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, the company will give it to you every month The medical insurance you pay is RMB 9. Your personal monthly medical insurance payment is about RMB 2 plus a critical illness coordinator of RMB 10. This critical illness coordinator only cares about your hospitalization regardless of anything else, and the state will pay your medical insurance account for the RMB 11 every month. Add your own 2. 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 personal money the state pays you every month. You can accumulate this money and directly swipe your card. When you buy medicine or see a clinic, the remaining 9 countries will be calculated 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 Starting from July 2007, you can swipe your card to buy medicines or see outpatients. Starting from July 2007, your hospitalization expenses can be reimbursed.

, the application is quite complicated, let me give you an example:

If you were hospitalized on August 1, 2007, and lived in the best tertiary hospital in Nanjing, you would be covered by medical insurance during your hospitalization. If you spend 5,000 yuan on medicines, surgery, hospitalization and other expenses within the scope, then when reimbursing, the medical insurance center will first deduct 1,000 yuan, which is the starting price. The remaining 4,000 yuan can be reimbursed by the medical insurance center as 4,000×86=3,440 yuan. You only need to pay 4000×14=560 yuan. Including the previous starting price of 1,000 yuan, you only need to pay 1,560 yuan if you spend 5,000 yuan, and this 1,560 yuan can be deducted from your medical insurance card. (If you don’t use that card very often), so you won’t actually spend much money on hospitalization

Medical insurance is much more important to us young people than pension insurance. After all, medical treatment and hospitalization are too damn expensive. Yes, 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 you can enjoy it for life after retirement, so if you retire at the age of 55, you must be 30 at the latest You must start paying for medical insurance from now on

Let’s talk about work-related injury insurance

This insurance is generally rarely used in practice, and I don’t have much contact with it. I need to remind everyone that if you This insurance is useful if something happens while working or commuting.

However, in practice, many people do not pay attention to preserving evidence when something happens, resulting in them not being able to enjoy work-related injury insurance. It's a pity

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, take photos and collect evidence. After the police handle the matter, they will issue you an accident appraisal certificate. You can take this to your workplace to request a work-related injury report

If something happens to you and you just let someone run away without looking for witnesses or calling the police, then there will be no evidence. The following are generally not accepted as work-related injuries

Work-related injuries also have a statute of limitations. If you have a work-related injury on July 1, 2007, you must report it to the unit immediately and submit the evidence issued by the police and the accident appraisal Submit the book and the medical records of your medical treatment or hospitalization after the work-related injury to the unit, and ask the unit to take these materials 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 since your work-related injury, the work-related injury may not be identified. If your company does not identify it 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

Let’s talk about maternity insurance

Ah, this is explained with an example. If you are a girl, your monthly salary is 1,000 yuan. In 2007 Maternity insurance starts on January 1st, and the payment base is 1189. If you became pregnant in March 2007, gave birth to a child at the end of December 2007, and were discharged from the hospital in January 2008, then you should quickly submit your marriage certificate (reimbursement for unmarried children) after you are discharged. No) Only child certificate (generally speaking, those who have given birth to two children cannot be reimbursed) Medical records, small card examination and all invoices for hospitalization and surgical expenses, hospitalization list, discharge summary, all these materials should be submitted to the company. If you spent 500 yuan on the examination during pregnancy When you gave birth to your child, the hospital surgery cost 2,000 yuan. Generally speaking, the company can basically reimburse you within the scope of the medical insurance regulations. The money given to you after reimbursement includes: 500 yuan for examination fee, 2,000 yuan, and 1,189 yuan for hospitalization surgery fee. One month You must pay an average salary of 4 months, so if you reimburse for childbirth, you not only don’t have to 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 You still made money

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

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

If you are a boy, your wife does not have

If your job or work unit does not pay insurance, and you paid maternity insurance for more than a year when she gave birth, you can also reimburse the maternity insurance, but taking the previous example, you can only reimburse 500 yuan for the examination fee. Half of the hospitalization surgery fee of 2,000 yuan = 1,250 yuan, and you won’t be able to enjoy the 1,189 yuan/month × 4 months’ salary of the subsidy! This is only available to girls when they are reimbursed~

Similarly For expenses, girls can get 7,256 yuan for reimbursement, while 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 is best to plan beforehand 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 someone who has already paid for maternity insurance for a year when giving birth. And the base payment is higher than her own salary! But if she really doesn’t have insurance, it doesn’t matter. You can also reimburse her for maternity insurance, but you will get 4 months of salary without subsidies, and you will have to reimburse the expenses. I can only get half back--

~~~~~~~~~~~~~~~~~~~~I am the cute tentacle dividing line~~~~~~~~~~~ approximately The maximum is 24 months. 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 give you 2 Monthly unemployment insurance, if you have paid the insurance based on 1189 this year, you can get at least more than 800 yuan in two months

Or you started paying on January 1, 2007 Insurance, your contract with the company expires in January 2008. If neither of you wants to renew the contract, you can also ask the company to get 2 months of unemployment insurance for you before leaving the company, which is also more than 800 yuan

That is to say, when the contract expires or the company dismisses you, you can ask the company to provide you with unemployment benefits based on the ratio of two months of unemployment benefits per year. If the company does not provide it for you, you can sue it. Each complaint will be accurate - -

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

As long as you resign on your own, don’t say you have to pay. It's been one year, even if you pay unemployment insurance for 10 years, you won't get a penny when you resign--

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

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. When you buy a house, this will be 400 yuan. If you pay 50,000 yuan in your life, Then you have 100,000 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 home, then The money for building a house can also be paid from the provident fund

If you never use the money, it seems that you can withdraw all the money when you finally retire

Can this solve your problem?

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