1. Characteristics of social security:
(1) Period calculation method:
1. Social insurance calculation year: The city’s average salary is announced in June every year. The new average wage standard will be adopted on July 1 each year.
2. Social insurance is calculated monthly: from the 16th of the previous month to the 15th of this month.
(2) Shenzhen social security does not require payment of housing provident fund.
(3) Maternity insurance payment targets all insured persons in Shenzhen, including men and women who have given birth and have not given birth.
(4) The salary standard for social security contributions is 60-300 of the average salary of the previous year. If the salary is less than 60, the salary is 60, and if it is more than 300, the salary is 300.
(5) Social security paid in different cities can be transferred, but it can only be transferred to the place of household registration.
(6) Social security is not allowed to be paid repeatedly at the same time, and only one social security payment can be made at the same time.
Shenzhen Social Security
2. Pension insurance: Pension insurance pensions are divided into monthly payments and one-time payments.
(1) Receive monthly pension
1. Conditions for enjoying monthly pension:
(1) Legal retirement age: 60 for men years old; female cadres are 55 years old and workers are 50 years old.
(2) The payment period must be 15 years. Non-Shenzhen registered residents must pay continuously for 5 years before reaching the retirement age stipulated by the state without interruption.
2. Benefits for receiving pensions on a monthly basis: Pension calculation formula: monthly pension = average monthly salary of the previous year * 20 personal account pension accumulation amount / 120
（ 2) One-time pension insurance (withdrawal or transfer):
1. Conditions for enjoying one-time pension:
(1) If a Shenzhen household reaches retirement age and is less than the payment period: refund A one-time pension based on the accumulated amount of personal account.
(2) Non-Shenzhen households who have reached retirement age but are less than the required payment years (that is, those who have paid less than 15 years or have not paid continuously in the last 5 years), employees who are transferred out before retirement or resign and leave the city, Employees who receive monthly work-related injury insurance benefits due to disability: only the accumulated amount in their personal account will be refunded, and they will not be able to enjoy one-time pension.
(3) If an employee dies before retirement due to non-work reasons or dies after retirement: the remaining balance of personal account, funeral subsidy, and one-time pension will not be eligible for one-time pension.
2. One-time pension benefit: one month of the city’s average monthly salary in the previous year at the time of retirement for every one year of payment period.
3. Standards for funeral subsidies and one-time pensions:
(1) Funeral subsidies: The payment standard is the average monthly salary of urban employees in the city in the previous year at the time of death. 3 times;
(2) One-time pension: The pension is based on the average monthly salary of urban employees in the city in the previous year at the time of death. If there is one immediate relative to support, 6 times of the above-mentioned base amount will be paid; if there are two immediate relatives to support, 9 times of the above-mentioned base amount will be paid; if there are 3 or more immediate family members to support, 12 times of the above-mentioned base amount will be paid.
(3) If a retiree dies, his relatives should report to the municipal social security agency within 30 days after his death.
Shenzhen Social Security
3. Medical insurance:
(1) Maximum payment amount: The maximum payment amount of medical insurance refers to the accumulated medical expenses for the year. The maximum reimbursement amount. Expenses exceeding this amount need to be borne by the insured. The insured person will have a new quota every year, and the quota will increase year by year. The quota will no longer increase after three consecutive years of participation in the insurance. If the payment of medical insurance is interrupted, the maximum payment amount will automatically return to zero and needs to be accumulated again. The maximum payment amount calculation table is as follows.
(2) Enjoy the benefits:
1. Enjoyment time: The insured person will enjoy the medical insurance benefits from the 1st of the next month when the insurance procedures are completed. If the insured person stops paying medical insurance premiums, the insured person will stop enjoying medical insurance benefits from the 1st of the month following the month in which payment is stopped, except for personal accounts.
2. Outpatient medical treatment: Shenzhen residents can enjoy outpatient medical treatment. The outpatient medical expenses are paid from the personal account. If the personal account is used up and the excess amount is more than 10% of the city's annual average salary, the outpatient medical expenses are basically Medical expenses can be reimbursed 70. During outpatient visits, due to medical needs and approval by the municipal social insurance agency or its authorized medical institution, the insured may undergo large-scale medical equipment examination or treatment at the outpatient clinic. The cost will be RMB 80 from the social security fund and RMB 20 will be paid by the individual themselves. Large-scale medical equipment inspection items and treatment items are determined by the municipal social insurance agency.
If the personal account accumulation reaches 2 months of the city’s average monthly salary of urban employees in the previous year, the excess can be used to pay for basic medical expenses paid for treatment at designated medical institutions, local supplementary medical expenses, or Purchase over-the-counter drugs within the drug catalog at designated retail pharmacies.
3. Inpatient medical treatment: regardless of household registration, all insured persons can enjoy inpatient medical treatment. The expenses will be paid from the basic medical insurance first. 90 expenses can be reimbursed and 10 will be paid out-of-pocket. If the medical expenses exceed the basic medical insurance, The maximum amount of medical insurance is from supplementary medical insurance, which can reimburse 85 expenses and pay 15 out of pocket.
4. Maternity insurance: Shenzhen households can enjoy maternity insurance benefits. The insured’s basic medical expenses for perinatal examinations, delivery hospitalization, postpartum visits, and family planning surgeries (excluding infant expenses) are covered by Maternity medical insurance fund payment.
5. If an emergency occurs in a city outside Shenzhen, you can seek medical treatment nearby, but you must notify the social security clerk of your unit, who will file a record with the Social Security Bureau within 15 days. The insured person needs to keep complete medical records (medical records, Treatment list, invoice, discharge certificate, etc.) must be returned to the Social Security Bureau for reimbursement. The reimbursement standards are the same as those for medical treatment in Shenzhen. Non-emergency cases are not reimbursable.
Shenzhen Social Security
(3) If the insured person has any of the following circumstances, he or she will not enjoy medical insurance benefits:
1. Travel to other cities in China on your own, Or those in Hong Kong, Macao, Taiwan, or abroad;
2. Those who go to non-designated medical institutions in the city for medical treatment on their own, except those with life-threatening signs who need to be rescued nearby;
3. Self-purchased drugs;
4. Injury caused by traffic accidents, medical accidents or other liability accidents;
5. Due to suicide, self-injury, self-mutilation, alcoholism, Injuries caused by fights or personal illegal acts;
6. Injuries caused by other people’s infringements;
Shenzhen Social Security
(4) Insured persons use the following Diagnosis and treatment items and medical materials are not eligible for medical insurance benefits:
1. Registration, out-of-hospital consultation, special medical services and other services;
2. Beauty, non-functional plastic surgery, health Non-disease treatment items such as physical examination, medical consultation, preventive health care;
3. Non-basic medical insurance diagnosis and treatment items such as positron emission tomography (PET), photon knife;
4. Disposable medical materials that are not reimbursed by basic medical insurance;
5. Rehabilitation equipment such as glasses, dentures, and hearing aids;
6. Organ sources or tissues for various types of organ or tissue transplantation Source;
7. Other organ or tissue transplantation except kidney, bone marrow, cornea, etc. transplantation;
8. Qigong therapy, magnet therapy and other auxiliary treatment items;
9. Various diagnosis and treatment items for infertility (pregnancy) and sexual dysfunction;
10. Various scientific research and clinically verified diagnosis and treatment items;
11. Other diagnostic and treatment items that are not reimbursable according to relevant national, provincial and municipal regulations.
Shenzhen Social Security
(5) Cooperative Medical Care for Migrant Workers: This is a newly launched insurance method for non-Shenzhen residents who can enjoy both outpatient and inpatient medical insurance benefits. There is no fixed payment. Rate, a medical insurance that adjusts the payment amount according to a certain period of time and is paid by employees and companies. At present, it is mainly being trialled outside the customs and has not yet been promoted citywide.
Work-related injury insurance: After it is identified as a work-related injury, all expenses will be paid by the social security fund.
4. Unemployment insurance:
(1) 30 days after the date when the unemployed employee registers with the unemployment insurance agency on his own, he will go to the unemployment insurance agency with his unemployment certificate and ID card every month. If you receive unemployment benefits, and all social security fees will be paid by the social security bureau, the Social Labor and Social Security Bureau will organize re-employment training, and those who receive unemployment benefits need to participate in the training.
(2) Unemployed employees who meet the following conditions at the same time will enjoy unemployment insurance benefits:
1. Those insured with Shenzhen household registration;
2. During the statutory labor period Have the ability to work within the age;
3. Work continuously in Shenzhen for more than one year;
4. Register in accordance with regulations after unemployment and have the intention to find a job.
(3) The calculation standard for unemployment benefits for unemployed employees is that one month of unemployment benefits is calculated for every six months of continuous service, but the maximum cannot exceed 24 months. Unemployment benefits The payment standard is 80% of the minimum wage announced by the municipal government in the previous year.