Children's insurance;
"One gold" refers to the housing fund.
Of these, pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and the individual **** the same premiums,
Workers' compensation insurance and maternity insurance are entirely borne by the enterprise. Individuals do not need to pay. It is important to note that the "five
insurance" is legal, while the "one gold" is not legal.
What is the percentage of contribution for "five insurance and one pension"?
Currently, the contribution rate for pension insurance in Beijing is 20% for the unit (of which 17% is allocated to the general fund and 3% to the individual account
) and 8% for the individual (all of which is allocated to the individual account); the contribution rate for medical insurance is 10% for the unit and 2% + 3 yuan for the individual;
The contribution rate for unemployment insurance is 1.5% for the unit and 0.5% for the individual; and the contribution rate for work injury insurance is based on the following criteria
Workers' compensation insurance is based on the scope of the industry in which the unit is classified
to determine its rate of compensation for work-related injuries; maternity insurance contribution rate: 0.8% for the unit, and no money for the individual.
Provident fund contribution ratio: According to the actual situation of the enterprise, choose the housing provident fund contribution ratio. However, in principle, the maximum
contribution shall not exceed 10% of 300% of the average salary of Beijing employees.
(Co-ordinated fund that is: in the process of the gradual transformation of the pension insurance system from a state-unit system to a state-society system
the need for state co-ordination to solve the problems of unbalanced economic development and the aging of the population, etc.
This is the first time that the state co-ordinated the pension insurance system.
(1) A social co-ordination fund is set up with contributions from enterprises; (2) individual accounts are set up with contributions from employees and enterprises; and (3
)the government bears the administrative costs of the pension insurance fund. This semi-funded system combining social coordination and individual accounts is
favorable for coping with the crisis of China's aging population, gradually spreading out the cost of transition from the old system to the new one, and gradually realizing the transformation from an enterprise
pension insurance system to an individual pension insurance system).
The amount of contribution for the four insurance policies is different in each region, and the base is based on the gross salary. Some enterprises
have a basic salary at the time of payment and some related subsidies, but some enterprises pay only the basic salary, which
is against the law. The specific proportion should go to the local labor department to consult.
Another condition is that you must have the will to look for a job after you lose your job, so you can receive it.
If you don't want to work after being unemployed, then you can't be paid insurance benefits. Also, the pension and unemployment benefits are not
available at the same time.
-Will I be entitled to insurance during my probationary period?
There should be insurance coverage during the probationary period because the probationary period is an integral part of the contractual period, and it is not segregated
from the contractual period. So you should be insured during the probationary period as well. In addition, it is a
legal obligation for companies to insure their employees, it does not depend on the intention of the person concerned or whether it is voluntary or not, even if the employee indicates that he/she doesn't need to pay the insurance, it is not
okay, and the commercial insurance can't replace the social insurance. Pension Insurance Benefits
Accumulated pension insurance contributions for more than 15 years, and reached the legal retirement age, you can enjoy the pension insurance benefits:
1. Receive the basic pension according to the regulations on a monthly basis, until death.
The formula for calculating the basic pension is as follows:
Basic pension = basic pension + individual account pension + transitional pension = average monthly salary of the city's employees in the year before retirement
20% (15% if the number of years of contributions is less than 15 years) + principal and interest on the individual account ÷ 12
0 + indexed average monthly contribution salary × 1997 The number of years of contribution before the end of 1997 × 1.4%.
2. Death treatment. (1) funeral expenses (2) a one-time pension (3) eligible to support the immediate family members of the living
living difficulties in the subsidies, paid monthly until the death of the immediate family members of the support.
Note: Pension insurance should be paid continuously as far as possible, according to the relevant documents, where the enterprise or the insured person pays
basic pension insurance premiums intermittently (except for the unemployed who receive unemployment insurance benefits or those who do not pay the premiums in accordance with the relevant regulations
), the insured person meets the pension conditions stipulated by the state, and when calculating the basic pension, the calculation of his/her basic pension will be based on the base of
calculation of the basic pension.
Calculation base, according to the cumulative interruption of the contribution time year by year forward to the corresponding year of the previous year's average wage of employees in the city
Calculation (cumulative interruption of the contribution time, according to each full 12 months as a interruption of the contribution year calculation, less than 12 months do not
Calculation)
Take an example:
If you retired in 2020, the normal Your basic pension is the average social wage in 2019 × 20%, but if
if you interrupt your pension insurance for 30 months before retirement, it is an interruption of 2.5 years, calculated on the basis of 2 years, your basic pension
pension is the average social wage in 2017 × 20%
Enjoyment of medical insurance
1. Outpatient and emergency treatment Medical expenses
Accumulated medical expenses in line with the scope of basic medical insurance in the year of the active employee (January 1-December 31) exceed
the part of more than 2000 yuan;
2. Settlement ratio:
50% reimbursement of the part of more than 2,000 yuan for dispatched personnel during the contract period, and 50% out-of-pocket payment by the individual;
Accumulated outpatient, emergency room medical expenses in a year, the maximum amount of outpatient and emergency reimbursement paid to the dispatched personnel is 20,000 yuan cumulatively.
3. Participants should keep the outpatient medical receipts (including the receipts of the part below the large amount, the bottom of the prescription, etc.) of the outpatient treatment in the designated hospitals as the vouchers for the reimbursement of medical expenses;
4. Outpatient treatment for three special diseases: participants suffering from malignant tumors with radiation therapy and chemotherapy, renal dialysis, kidney transplantation, and taking the antirejection drugs need to be treated by a doctor or a physician. In the outpatient medical treatment, the second and third level designated hospitals where the insured person seeks medical treatment will issue a "Certificate of Diagnosis of Disease" and fill in the "Beijing Medical Insurance Special Disease Declaration and Approval Form", which will be submitted to the District Medical Insurance Center for approval and filing.
The outpatient medical treatment for these three kinds of special diseases will be as follows The outpatient medical treatment and medicine collection for these three special diseases are limited to the approved designated hospitals, and cannot be purchased at designated retail
pharmacies. If the medical fees incurred are within the scope of outpatient special diseases, they will be settled with reference to hospitalization;
5. Inpatient medical care
● Hospitalization deposit: When a participant who meets the conditions for hospitalization is hospitalized for income, the hospital will collect part of the participant's deposit
, the amount of which will be determined by the hospital on a pro rata basis according to the condition of the participant. If the unit of the dispatched personnel and the insured personnel fail to pay the medical insurance premiums on time
in full, the hospitalization deposit will be fully advanced by the dispatched personnel individually;
● Settlement cycle: every 90 days of hospitalization of the insured personnel is a settlement cycle: if it is not more than 90 days, every hospitalization
is a settlement cycle;
● Malignant tumor patients' out-patient clinic
● Outpatient radiotherapy and chemotherapy for malignant tumor patients, renal dialysis, anti-rejection drugs after renal transplantation, and hospitalization for patients suffering from psychiatric diseases that require hospitalization for a long period of time;
● Medical expenses incurred by insured persons for treatment in the family beds of designated community health service centers (stations), with every
90 days as a billing cycle;
● Outpatient hospitalization for patients with malignant tumor patients, with every
90 days as a billing cycle.
● At the end of a participant's discharge or stage of treatment, the individual dispatcher must first settle with the hospital the expenses that should be paid by the dispatcher at the dispatcher's own expense and out-of-pocket expenses, and the medical expenses that should be paid by the basic medical insurance coordinating fund and the large amount of medical mutual aid funds should be paid by the hospital, and the hospital should report to the medical insurance center for examination and settlement;
● The medical expenses of a participant's hospitalization treatment that are in line with the scope of the basic medical insurance provisions should be settled in one settlement cycle every 90 days. The settlement of medical fees that meet the scope of basic medical insurance is subject to a threshold and a maximum payment amount from the basic medical
Coordinated fund;
● The threshold is 1,300 yuan for the first hospitalization and 650 yuan for subsequent hospitalizations, with a maximum payment limit of 50,000 yuan; large sums in excess of the maximum payment amount (excluding the portion of fees below the threshold and that borne by the dispatched personnel) are subject to a maximum payment amount of 1,000 yuan, and the maximum payment amount is 50,000 yuan. Mutual aid for medical expenses
70% of the funds will be paid and 30% will be borne by the dispatched personnel. The maximum payment is 100,000 yuan in one year. The settlement standard for hospitalization expenses is calculated in stages and paid cumulatively according to the level of the hospital and the amount of the expenses in a settlement cycle
.
(When the rates are adjusted, they will be implemented according to the new standards.)
Note: The health insurance is exempt from liability for traffic accidents that are not caused by work!
Unemployment insurance to enjoy the treatment
Unemployment insurance continuously paid for more than one year, after the file returned to the street. You can enjoy unemployment insurance treatment in the street.
1. Unemployment insurance benefits: refers to the basic living
living expenses paid to eligible unemployed persons by the unemployment insurance agency in accordance with the provisions of the unemployment insurance, it is the most important unemployment insurance treatment. Unemployment insurance treatment is implemented according to the relevant documents of Beijing Municipality;
2. Medical subsidies during the period of receiving unemployment insurance benefits: it refers to the subsidies paid to the unemployed for the medical expenses incurred during the period of receiving unemployment insurance benefits
. It is implemented in accordance with the relevant policies and regulations of Beijing Municipality;
3. Funeral subsidies for unemployed persons who die during the period of receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members are implemented in accordance with the relevant regulations.
Workers' compensation insurance
In the unfortunate event of an accident during the contract period, you should obtain a statement of the situation from the enterprise and stamp it with the enterprise's official seal, and then apply for a workers' compensation insurance as soon as possible (preferably within three working days) and provide the following materials:
1. diagnosis of the initial treatment or hospitalization medical records;
2. certificate of diagnosis of occupational disease (original. one copy of each);
2. certificate of diagnosis of occupational disease (original. one copy of each);
3. certificate of diagnosis of occupational disease (original), A copy of each);
3, traffic accidents need to provide the traffic brigade's accident verdict or the traffic department's traffic accident certificate;
4, a copy of the identity card;
5, the original validity of the labor contract
Maternity insurance entitlement
Maternity-related expenses can be reimbursed
Reimbursement scope includes. Maternity Allowance, Maternity Medical Expenses, Medical Expenses for Family Planning Surgery, and other maternity-related expenses as stipulated by the State and the City.
The maternity allowance is calculated by dividing the contribution base of the month in which the female worker gives birth by 30 and multiplying it by the number of days of maternity leave. The maternity allowance
is the salary of the female worker during her maternity leave, and if the maternity allowance is lower than her own salary, the difference will be made up by the enterprise
.
Maternity medical expenses include medical examination fees, delivery fees, surgical fees, hospitalization
fees and medicine fees incurred by female workers due to pregnancy and childbirth.
Medical expenses for family planning surgery include medical expenses incurred by workers for family planning.
Now it is required to pay 20 years for health insurance and 15 years for pension to be eligible for pension and post-retirement health insurance
And then there's one more thing you can't find out on the internet
First of all, if you are going to work in a place other than the place of your hukou, for example, if your hukou is in Beijing, and you are going to work in Shenzhen, no matter whether your hukou has been transferred to Shenzhen or not, then you will not be working in Shenzhen, and in case you are not working in Shenzhen, then you will not be working in Shenzhen, and you will not be working in Shenzhen. If you don't work in Shenzhen in the future, then it's very questionable whether or not you can transfer the five insurance and one pension you paid in Shenzhen, because the whole country is not connected to the network, only Beijing is connected to the network. That is to say, if you work in a unit in Beijing, and then after a few years, you move to another unit in Beijing, then you will have no problem in transferring the five insurance and one pension, but if you move from another province or city, you will have no problem in transferring the five insurance and one pension.
About the five insurance mentioned earlier, three of them are paid by both the enterprise and the individual, which means, for example, for the pension insurance
Say, if your salary is 2,000, then you have to pay 8% personally, and the unit pays 15% (the above figures are not true), which is deposited in your account. The money is deposited in an account and can be withdrawn only when you are eligible for pension insurance (see above). Then, taking into account what was written in the above paragraph, if you can't make the transfer, then
your money will have been wasted and you won't be able to get it out
All the corporate and individual **** contributions are like this, so are all housing funds, for example, according to the salary multiplied by the proportion of the salary
by the percentage of the salary.
If you have to pay 500 per month, and your employer pays you 1000, and if you change jobs, and the money is not transferable, then
your 500 per month will be wasted, and you can't take it out - because you're not eligible for the CPF, and you can only take it out when you buy a house.
It's a good thing that you can't take it out, because you don't want to buy a house.
Some people may ask, if I don't plan to stay in the city where I started working for the rest of my life, can I stop paying in order to prevent