Social security deductions suddenly increased a lot.

The first is to increase the base of social security contributions.

Now people actively participate in insurance, mostly because they want to enjoy better pension benefits after retirement and further guarantee the quality of life. But whether you are an enterprise or a flexible employee, you must follow the local social security payment regulations.

Among them, the social security payment base is determined according to 60%~300% of the local average wage level in the previous year, and around July every year is the key node to adjust the social security payment base. At present, the social average wage data of 202 1 is basically released, so the upper and lower limits of the employee social security contribution base will also be adjusted in 2022.

According to the practice of previous years, social wages will increase year by year, and the base of social security contributions will naturally increase. For example, in Beijing, the upper limit of the monthly social security payment base in 2022 is 3 1.884 yuan, and the lower limit is 5,869 yuan, which are 3,663 yuan and 225 yuan higher than last year, respectively.

Therefore, in August, most areas will start to pay social security fees according to the new standards, and the amount paid will actually increase. In addition, the social security agency will also liquidate the uncounted part since June 65438+ 10 this year, and then make up for it, so there will be more social security deductions in August.

Second, the deposit base of housing provident fund has been raised.

In addition to social security, many employers will also pay housing provident fund for their employees, and the expenses will be deducted directly from their wages. From July 1 day to September 30th every year, the deposit base of housing provident fund is adjusted once a year. For example, in Hangzhou, the upper limit of the deposit base of housing provident fund in 2022 is determined according to the average monthly salary of employees in non-private units in this city last year, which is 36,675 yuan per month, and the lower limit of the deposit base is the local monthly minimum wage, which is 2,280 yuan per month. After the adjustment, many people's payment level has increased, and natural deductions will be more.

Although the pressure on individuals to pay social security and provident fund has actually increased and everyone's wage income has decreased, it is still very beneficial in the long run.

Third, welfare benefits are more secure.

First of all, pension, as one of the most important social pension insurance benefits, always follows the principle of "pay more and get more for a long time". With the increase of social security payment base, more funds will be accumulated in individual pension accounts, which not only has advantages in retirement accounting pension benefits, but also enables retirees with high pension level to increase a sum of money every year when adjusting their pensions. It really kills two birds with one stone and improves the quality of life of the elderly.

Secondly, the amount of money returned from the personal account of on-the-job employees' medical insurance is also closely related to the base of their insurance contributions. With the implementation of the new medical insurance policy, many existing standards are calculated according to 2% of my insurance payment base, so the social security payment base will increase, and the amount of money returned from my personal medical insurance account will further increase, making it more convenient and economical to see a doctor and buy medicine.

Finally, the increase in the deposit base of housing provident fund means that the monthly deposit will be more, and it will be paid by units and individuals and accumulated year by year. Not only will buying a house and renting a house save money, but after formal retirement, the money in the account can also be taken out at one time. If you have never used it during the deposit period, you may get hundreds of thousands, and the pension income will actually increase.