If the company is willing to change the five insurance and gold into cash to send you every month, are you willing?
Every time you see the cost of social security on your paycheck, many working people will be very distressed, healthy, and have not been to the hospital all year round, as if the health insurance paid in vain; I heard that in the future there may also be a delay in retirement, the more you think about it, the more you suffer ah...
Then if the company converts the cost of five insurance and one gold into money for employees, we are not earning?
To solve this problem, we first need to understand, five insurance and gold need to pay how much money every month.
I, what is five insurance and gold, how much money to pay?Five insurance is social security, including pension insurance, medical insurance, maternity insurance, unemployment insurance and workers' compensation insurance; a gold, that is, the housing fund, collectively referred to as "five insurance and one gold".
Pension insurance: you can get a monthly pension after retirement, the more you pay, the more you get;
Medical insurance: if you are sick and go to the hospital for an outpatient visit or hospitalization, you can be reimbursed for the medical expenses;
Birthday insurance:
Motherhood insurance:
Motherhood insurance:
Unemployment Insurance: If you lose your job due to bankruptcy or dismissal, you can receive a monthly payment as compensation.
Workers' Compensation Insurance:
Workers' Compensation Insurance. If you are injured at work or suffer from an occupational disease, you can apply for a work injury assessment and receive compensation accordingly;
Provident Fund: You can apply for a loan to buy a house and enjoy preferential interest rates, or use it to pay for rent, home renovation and so on.
The company also has to bear a large portion of the cost of these security benefits. For example:
Lan is a programmer at an Internet company in Shenzhen, with a monthly salary of 10,000 yuan before tax, and the contribution ratio for five insurance policies is shown below:
The contribution ratio for provident fund is 5-12 percent, and here we take 10 percent as an example.
Shenzhen medical insurance is divided into three grades, and the most common two grades are used here as an example.
Monthly salary of 10,000 before tax, the company's total **** paid social security ratio is 26.41%%, *** counting 2,641 yuan; personal contribution ratio is 18.5%, *** counting 1,850 yuan.
That is to say, if you can get more than eight thousand salary after tax, the company has to pay more than 2,000 social security costs, plus your salary, almost to pay 13,000 costs.
As you can see, the cost of social security that the company bears each month is also very high. That's why it's common for companies to find ways to avoid social security, and rarer for employees to ask not to have it themselves ......
At this point, someone may want to come out and ask: my pre-tax salary of 10,000, but social security only paid a few hundred ah? I don't think that's as high as you're making it out to be.
This is because the proportion of social security payments, not necessarily in accordance with the actual wages paid, each city has its own social security payment base.
The payment base comes from the city's average monthly salary of employees in the previous year, generally speaking, the minimum payment base is 60% of the previous year's monthly flat salary, the highest is 300% of the average monthly salary, Shenzhen, this year, the payment base is between 5585-27927.
As an example:
If the average monthly salary of employees in the city in the previous year is 3,000, then the minimum contribution base is 3,000 × 60% = 1,800 yuan, the maximum contribution base is 3,000 × 300% = 9,000 yuan;
If your salary is 1,500 yuan, then according to the minimum payment base of 1,800 to pay the social security, if your salary is 10,000, then pay social security at the maximum payment base of 9,000.
However, most of the companies pay according to the minimum standard, such as a company in Shenzhen, the pre-tax salary of employees 10,000 yuan, but according to the minimum base of 5,585 yuan to pay social security, a month of personal only pay a thousand or so.
But this year, after the new social security policy, social security fees collected by the tax bureau, most companies will gradually pay the social security in accordance with the actual wages of employees.
Personally, I think that a high contribution base is not necessarily good, because the higher the contribution base, the more we pay ourselves, the less money we get in our hands every month.
If the company is willing to change the five insurance and one gold into cash to send you every month, are you willing?
This question seems like it would be cool, but it's not asked well enough, because it can be interpreted two ways.
Please note that the following is all based on the above example of the Shenzhen social security contribution rate.
First: Discounting personal contributionsI am personally responsible for 18.5% of the cost, please discount all of it to me and I will not participate in this pitiful social security!
This kind of employee can be called the best employee in moving China, because you just save this 18.5% cost, and the company will save more costs.
So how will this affect the five insurance funds?
Housing Provident Fund (HPF): The company and the individual will contribute at a ratio of 1:1 every month.
Taking the above as an example, for example, if you deduct 1,000 from your salary every month for provident fund, and the company also pays 1,000, the 2,000 will all go into our provident fund account, which can be used for renting and buying a house.
The 1000 dollars paid by the company is equivalent to our extra income, which is our welfare, not for nothing!
Maternity Insurance, Worker's Compensation Insurance: You don't have to contribute, so the company doesn't have to discount it to you.
Unemployment insurance: individuals need to bear 0.3%, if you do not want to, you can save 30 a month. you say, this unemployment insurance I can not use, I do not pay; I have nothing to say, because the conditions of unemployment insurance is really very harsh.
Medical insurance: 0.2%, if you don't want to save 20% a month. unemployment insurance you don't pay, I can barely understand; but in order to save this 20 and refuse medical insurance words, this operation is difficult to understand.
How expensive it is to visit a hospital now, without medical insurance, who can afford it? The friend who said that health insurance is useless, recommended reading:
"Shenzhen health insurance policy latest interpretation! A year can be reimbursed up to more than a million dollars?
Pension insurance: individuals bear 8%, do not want to save 800 yuan a month, a year is 9600, which is not a small fee.
But if you don't pay pension insurance, you won't have a pension to collect later. Just think how embarrassing it will be when a group of you old men and women compare your pensions with each other after a square dance, and you say you don't have a penny.
What's more, the portion of the pension insurance that you pay for will all go into your personal account, which must belong to us, and you can get it all back when you get sick and die in the middle of the day.
So, for the first approach: I personally bear 18.5% of the cost, please discount all of them to me, I do not participate in this pitiful social security!
I can't find any reason to support this, there's simply no point in discussing it.
Type 2: Discount both my own and the company's feesNot only do I have to pay my own 18.5% of the fees, but the 26.41% paid by the company has to be discounted to me in its entirety as well!
It's interesting if the company is willing to do that, and it opens up the issue for a few more discussions.
In reality, it's unlikely that the company would do that. If they're all going to bear that cost, why not give it to the Social Security Administration instead of breaking the law and giving it to you?
But since we're interpreting the science, let's assume that the company is willing to do this, so should we be?
Housing Provident Fund: Of course it has no effect, 1000 goes straight into our pockets, more convenient.
Maternity and Workers' Compensation Insurance: If the company is willing to discount it, we will have an extra $111 income every month.
Maternity insurance: You can be reimbursed for prenatal checkups and labor and delivery costs, as well as benefits such as maternity allowance and maternity leave. If you are a male employee, you can also apply for paternity leave, or you can also get maternity insurance for your wife who doesn't have a job.
And workers' compensation insurance will also cover medical expenses and disability benefits, which is important for those who work in risky environments.
To give up these protections for such a small amount of money is a buyer's remorse, and it's just not worth it.
Medical insurance: this is even more important to us, a serious illness can make countless people lose all their money, and medical insurance guarantees us the basic dignity of "being able to treat the sick". We can't afford not to have it.
Next, please pay attention, take notes, here comes the point!
Pension insurance: individuals bear 8%, the company to pay 14%, if discounted to us, we will save 2200 yuan a month, a year is 26400!
We pay so much monthly pension insurance premiums, but for the future how much retirement pension, the heart is not at all clear, the Internet is also three days said! The pension insurance premiums are going to be in deficit!
It turns out that nine times out of ten, the controversy over social security is because of pension insurance!
Okay, let's do the math on whether this pension insurance is worth it!
The same is the case with the 40-year-old old Li in Shenzhen, for example, to 10,000 for the contribution base, the monthly payment of pension insurance, for example:
Personal: 10,000 X 8% = 800 → Into the personal account
Company: 10,000 X 14% = 1400 → Into the co-ordinated account
The company: 10,000 X 14% =
If 40-year-old Lao Li does not participate in the pension insurance, and the company is willing to discount the entire cost to him, then by the time he retires at age 60, he can save:
(800 + 1400) X 12 X 20=528,000 yuan
By the time he retires, Lao Li will have no pension to receive, but he can save $528,000 yuan!
So what if Lao Li joined the pension insurance?
Employee pensions are divided into two parts:
Personal account pension = personal account balance ÷ number of months of accrualBase pension = (average social wage + my indexed wage) ÷ 2 × number of years of contributions × 1%The formula of the Social Security Administration is very complicated, slightly simplified above, and explained here:
Average social wage:
Personal Index Wage: Based on your contribution record, calculate how many times your wage is roughly the average social wage, for example, 1.1 times
Currently, the average social wage in Shenzhen is 8,348 yuan, and the future average social wage can not be accurately predicted, so here is conservative Assuming a 5% growth rate, it will be RMB21,095 in 20 years.
If Lao Li contributes 10,000 yuan for 20 years, his indexed salary will be 16,454 yuan when he retires, and the balance in his personal account will be 800x12x20=192,000 yuan.
Based on the formula, Lao Li's pension is calculated as follows:
Personal account pension ：192,000÷139=1381元
Base pension ：(21095+16454)÷2×20%=3755元
. p>Total Pension : 1381+3755=5136 yuan/month, or 61,632 yuan/year
Lao Li doesn't have the $528,000 any more, but he'll get 61,632 yuan in the first year of retirement!
And, as long as Lao Li keeps living, he can keep receiving it.
As shown in the chart, by the age of 67, Lao Li will have received 532,000 yuan pension in one ****, higher than the 528,000 yuan, and has returned to the capital.
But this all depends on the old Li can live a long time, live longer, receive more, more than 528,000 is not a problem at all.
But if he dies in the middle of his illness, he will only get back the money in his personal account and some pension, and the part paid by the company into the co-ordinated account is a contribution to the country.
If you're not confident about your health, and your company is willing to discount all of your pension premiums, it's okay not to take part in the pension insurance.
But if you're longing for the 70s and 80s, it's certainly worth it to have a pension. If you have a pension that belongs to you, even if your children and grandchildren are not filial, you will have a little bit of courage to talk about it.
Discussing this topic is not of much practical significance, just to satisfy everyone's curiosity.
No company is willing to discount the entire cost of social security to you without paying it. I'm afraid that after you take the money, you'll backhandedly go to the labor bureau to sue a wave, and the boss will have no tears to cry.
If you are not a rich family, but an ordinary people, social security is very important to us.
Some call it robbing the rich to help the poor, others call it wealth redistribution. But in any case, for us ordinary people, understanding our social security protection and legally defending our rights and interests is the most practical and proper thing to do.