--Ah Xiong
What is "five insurance and one pension"?
The "five risks" include pension insurance, medical insurance, unemployment insurance, work injury insurance, and maternity insurance, which is what we usually call social security; and the "one fund" refers to the Housing Provident Fund (HPF).
In the "five risks" you pay every month, the only ones you need to pay for are pension insurance, medical insurance and unemployment insurance, and the organization needs to help you pay for all five types of insurance.
How much do you need to pay each month?
Before calculating the amount of money you need to pay, we need to clarify a concept - the contribution base.
What is the "contribution base"
It refers to the social insurance contribution base of an employee in the previous social security year, which is usually determined according to the average monthly amount of all the employee's wage income in the previous social security year. Each province and city publishes a "social insurance contribution base" at the beginning of July each year.
Simply put, it is based on the gross salary. The social security contribution base, also known as the social insurance contribution base, is the basis for the payment of social insurance premiums by insured units and insured persons, according to which we can calculate the social security contributions to be paid.
Contributable social insurance premiums/provident fund = contribution base x contribution ratio
Generally speaking, the higher the salary, the higher the contribution base, and vice versa. However, there is an upper and lower limit to the contribution base, which can only fluctuate within a certain range.
Guangdong Province, the latest five insurance a gold payment ratio
Picture from the freshman employment network
The next Ah Xiong will be through the actual figures of the case, to tell you exactly how to calculate the amount of their own payment, the students can be compared to their own salary to calculate Oh.
Background: Assuming the location of Guangzhou, a monthly salary of 10,000 yuan, the contribution ratio according to the highest to calculate (Guangzhou), social security: personal 10.2% ? The company 23.85%, the provident fund are: 12%. Next, we calculate the individual and the enterprise each need to pay the cost of five insurance and one gold.
Individual's contribution
Social security = monthly salary x individual social security contribution rate =
10,000 yuan x 10.2% = 1,020 yuan
Provident fund = monthly salary x individual provident fund contribution rate =
10,000 yuan x 12% = 1,200 yuan
Total amount of five insurance premiums to be paid by individuals =
1020% = 10,000 yuan x 12% = 1200 yuan
The total amount of five insurance premiums to be paid by individuals =
1020% = 10,000 yuan x 12% = 1200 yuan.
$1020 + $1200 = $2220
Company's contribution
Social Security = My monthly salary x company's social security contribution rate =
$10,000 x 23.85% = $2384
Provident Fund = My monthly salary x company's provident fund contribution rate =
$10,000 x 12% = 1200RMB
The total amount of five insurance and one gold paid by the company to me every month =
2384RMB + 12-0RMB = 3580RMB
This way, in addition to that part of your salary deducted every month, the company's contribution ratio is as high as 35.85%, assuming your salary is 10,000RMB per month, the actual expenditure of the company is 13.5kRMB, and the company's contribution ratio is as high as 35.85%, assuming your salary is 10,000RMB per month, the company's contribution ratio is as high as 35.85%. The company is also a great deal more than that!
We understand what the five insurance and one gold, how much personal contribution, how much the enterprise to you. Next, talk about some of the small details of the five insurance and one gold.
About pension insurance
When you retire at 65 years old, you can receive a portion of your pension every month. Monthly pension = monthly basic pension + monthly personal account pension.
(1) monthly basic pension = (the average monthly salary of all employees in the province in the previous year + the average indexed monthly contribution salary) ÷ 2 × years of contribution × 1%
(2) monthly personal account pension = the balance of the personal account ÷ the number of months of payment (the number of months of pension payment for different retirement ages)
Is it not to see a face of confusion, it's okay to give an example you
It's a good thing that you're not a big fan of this.
Background: If the 65-year-old individual, for example, this year in Guangzhou for retirement, the average monthly salary before retirement is 6,000 yuan, the average monthly salary of employees in Guangzhou in 2016 is 6,952 yuan.
(1) Monthly basic pension:
(6952+6000)÷2×43×1%=2784.68 yuan
(2) Individual account pension:
Balance of the individual pension account=
6000×8%×12×43=248,000 yuan
Individual account pension=<
248,000 yuan ÷ 101 months = 2455.45 yuan
Monthly pension in hand = (1) + (2) =
2784.68 yuan + 2455.45 yuan = 5240.13 yuan
Pension in hand in a year =
5240.13 yuan × 12 months = 62881.56 Yuan
About CPF
The CPF you pay, can be used to buy a house or take it all out, when you pay for 43 years, the total amount in your CPF account at the time of retirement is
$6,000 x 12% (individual) + $6,000 x 12% (unit) x 12 months x 43 years = $743,000
When you retire, you can withdraw all the money in your CPF account, up to a maximum of $743,000 if you have never withdrawn it!
01 | Can I take out my CPF without buying a house?
The most important concern of the CPF is whether you can take out the money without buying a house? The answer: no!
02 | The more you save in the CPF, the more you can get a loan to buy a house
Yes, you can. Yes, you can take out a CPF loan if you have contributed for half a year. The amount of loan you can take out has a lot to do with your CPF balance and the percentage of contribution you have made. But no matter how high your salary is, your CPF contribution should not exceed 12%.
03 | So how much can you borrow
For the first time. The first time you do this, you will be able to borrow up to $700,000 if you are a married couple **** together, and up to $450,000 if you are a single person.
Second time around. Loan up to $500,000 if husband and wife **** together, $300,000 if only a single person.
04 | You also need to pay attention to the following common sense
(1) 10 years of unused can withdraw up to 100,000 yuan
Contributing to the housing fund for more than 10 years (including) unused, in the renovation of their own homes, you can withdraw to use their own and their spouse's housing fund, the maximum withdrawal amount of 100,000 yuan.
(2) Heirs can withdraw the provident fund after death
If an employee dies or is declared dead, the employee's heirs and legatees can withdraw the balance of the employee's housing provident fund account, and if there are no heirs or legatees, the balance of the employee's housing provident fund account will be included in the value-added income of the housing provident fund.
(3) Early retirement can not withdraw the provident fund
For retirement, you can withdraw the housing fund, and cancel their housing fund account, but for early retirement pension or internal retirement of employees can not withdraw the housing fund.
(4) Provident fund can be used as a low security
Employees on time, full payment of housing fund for more than 3 months, and in line with the enjoyment of the residents of the minimum subsistence guarantee treatment, by the provident fund center review and approval, you can withdraw the housing fund.
(5) Freelancers are proposed to be able to contribute to the provident fund
In the future, freelancers and other flexible employment, can also contribute to the housing fund and enjoy the rights and interests of the provident fund loans; provident fund employees can withdraw their account in the provident fund, used to pay for the property costs of their own housing. And the approval time limit for provident fund loans has been shortened from 15 days to 10 days.
About Medical Insurance
01 | What is reimbursable? What is not reimbursable?
Reimbursement of doctor's fees for outpatient visits, medicines, hospitalization, nursing care, miscellaneous hospital charges, surgical procedures, etc.
These medical expenses are reimbursed by the Medical Insurance Corporation (MIC).
These medical treatments will not be reimbursed: weight loss, cosmetic surgery, myopia correction, infertility, mental illness, sexual dysfunction, height increase.
The following conditions are not valid: failure to pay for three months, non-specified medicines, injuries caused by criminals and traffic accidents (only if the public security organs prove that the victim can not be found, can be temporarily written off by the medical insurance), non-designated hospitals, foreign medical treatment.
Regarding the hospitals covered by the medical insurance: you must go to the designated medical institutions in order to be reimbursed for the expenses; it must be above the second level, non-armed forces hospitals; above the second level of traditional Chinese medicine and specialized hospitals; all the hospitals of the A class.
02 | Can I withdraw my medical insurance?
You can withdraw the money from your medical insurance, and you can use it to buy medicine or go to outpatient clinics. It's important to note that the 2% you pay can be withdrawn at any time, and if you don't withdraw it, the interest is calculated according to the current period.
03 | Can I get health insurance after retirement?
Men who have contributed for 25 years and women who have contributed for 20 years can continue to enjoy medical reimbursement after retirement.
Other benefits
In addition to the Housing Provident Fund and retirement pension, we also pay for maternity insurance, unemployment insurance and workers' compensation insurance.
01 | Maternity Insurance
You can enjoy maternity benefits after paying for 1 year, but the benefits are different for male and female workers.
Male workers: If the spouse does not work or the work unit does not pay maternity insurance, you can reimburse the maternity insurance instead of the spouse; enjoy paternity leave and the corresponding maternity allowance.
Female workers: 98 days of maternity leave, including 15 days of prenatal leave; 15 days of maternity leave if the pregnancy is less than four months of miscarriage; 42 days of maternity leave if the pregnancy is four months of miscarriage. Maternity allowance and reimbursement of maternity medical expenses are available. Maternity allowance = per capita contributory salary of the organization in the same month/30 days*number of days of maternity leave.
Maternity insurance is also a very good benefit, but even if a full-time wife has paid maternity insurance, she can not receive it, only the working female employees can enjoy.
Maternity insurance is very important for female staff, the main reimbursement is for examination, delivery, surgery, hospitalization and medicine, which can save you a lot of money.
The process of applying for maternity insurance only requires that you submit to the company your marriage certificate (unmarried children are not eligible for reimbursement) + medical records + birth certificate + all invoices for examination and hospitalization and surgical fees for the construction of a large and small card + hospitalization checklist + hospitalization summary, and now that the policy of the second child has also been liberalized, the birth of a second child can also be entitled to the benefits of maternity insurance.
For example, if you are pregnant and spend $600 on checkups and $2500 on hospitalization and surgeries, the company will basically reimburse you for all the expenses within the scope of the health insurance.
02 | Unemployment Insurance
Unemployment refers to non-willful unemployment, while the cumulative unemployment insurance for 1 year, within 60 days of unemployment registration. Generally, the payment of 1 year to get 2 months, 2 years to get 4 months, but the longest not more than 24 months.
03 | Worker's Compensation Insurance
Worker's Compensation Insurance can be reimbursed for accidents that occur during the workday or while traveling to and from work. However, it is more complicated to determine, so once the misfortune occurs, the first time the police or contact the company to store evidence, in addition to the identification of work-related injuries have to be completed within one month.
The following cases can be regarded as work injuries:
◇ In the working time and workplace, due to work-related accidents;
◇ During the period of work out of work, due to work-related injuries or accidents whereabouts is unknown;
◇ On the way to and from work, injured by motor vehicle accidents. Any of these injuries can be recognized as work-related injuries;
◇ Dying of a sudden illness during working hours or at the workplace, or dying within 48 hours after failure to save the body.
Basic compensation costs for work-related injuries (medical expenses, hospital meal allowance, lost wages, nursing care);
◇ According to the disability level of the corresponding one-time disability benefit compensation, disability allowance, pension insurance treatment; work-related deaths have funeral expenses, one-time death benefit, dependent relatives pension.
◇ So, now pay the "five insurance and one gold" is not useless, not only can help you reduce the burden of medical care, buy a house, childbirth, in your retirement can also give you back a large sum of money!
What happens when you break your insurance policy in the middle of the day?
01 | Pension Insurance
Pension insurance can be interrupted, interrupted in the middle does not matter, the last is the cumulative number of years (pay 15 years can be), but the more you pay, of course, the more pension.
The transfer procedures: in the old unit to play the social insurance transfer orders, to the new unit to continue on it.
02 | Medical Insurance
Medical insurance is more important, the rule is that the interruption of more than three months will be invalid. After three months, you will have to pay for your own medical care. It doesn't matter if you have a minor illness, but if you have a major one, you will have to pay for it, and you will have to pay for it again if you have an interruption of more than three months.
Now most companies, is when you resign, your health insurance within the number of individuals to pay the money back to you. The part of the unit that you paid for is not available to you.
Each on the health insurance has a passbook, lifelong use, regardless of whether the unit changes, the unit should be a certain percentage of the money into the passbook every month, the individual can be withdrawn at any time, regardless of the purpose.
Each of them has a blue book, which is a medical book, and the medical regulations stipulate that the outpatient cost of 2000 yuan or more can be reimbursed. For example, spent 2500, only 500 reimbursement of 50%-70% (different hospitals, reimbursement rate is different), if hospitalized to report more, see the hospital to tell the hospital to open the health insurance bill, hospitalization to bring.
03 | Unemployment Insurance
Unemployment insurance, although it must be paid, but we do not have much to do (if you are a school graduate belonging to the status of cadres, the file can be deposited in the talent market), breaks do not matter.
To receive unemployment insurance benefits, you must first meet the following two conditions:
●? The unit and I have been in accordance with the provisions of the obligation to pay unemployment insurance contributions for 1 year;
●? Not resigned on their own initiative.
Transfer procedures: no need to go through, just continue to the new unit.
04 | Workers' Compensation Insurance
Workers' Compensation Insurance with less, but it is worth mentioning that there is a statute of limitations for work-related injuries, if you have a work-related injury on July 1, 2008, you must immediately report to the unit to the police to issue evidence and accident identification and your work-related injuries to go to the doctor or hospitalized after the medical records to the unit to tell the unit to take these materials to do the identification of work-related injuries, your unit must be in August 1, 2008, the unit to do the identification of work-related injuries, your unit to do the identification of work-related injuries. The unit must send your valid materials to the work injury appraisal center before August 1, 2008.
If the day of your injury is more than one month away, the injury may not be identified. If your unit does not give you identification, then you can take the material to the identification center identification, it is best not to exceed one month, otherwise it will be very troublesome.
05 | Maternity Insurance
Maternity insurance is a kind of insurance that you can enjoy without paying for it. Therefore, maternity insurance is not transferable, and it will be gone after you quit your job.
06 | Provident Fund
The housing fund, most of the enterprises are in your resignation, half a year or a year to your housing fund all the money to your card. Of course you can also withdraw a lump sum on your own (for reasons of buying a house or renovation).
For the transfer procedure: if it is the same city, then you just need to provide the CPF account number to the HR department of the new company, and the company will renew your CPF.
If you are not in the same city, you need to transfer your PF to the new organization, and when the account transfer is successful, your new organization will be able to open the seal and remit the PF for you.
Is it illegal for a company not to contribute to a provident fund?
According to the Housing Provident Fund Regulations ("Regulations"), private enterprises are also required to contribute to the Housing Provident Fund for their employees.
The Ordinance defines housing fund as the long-term housing reserve deposited by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises, and other urban enterprises, institutions, private non-enterprise units, social organizations, and their active employees.
Moreover, for the violation of the provisions of the Regulations, the unit does not apply for the registration of housing accumulation fund contributions or does not apply for the establishment of housing accumulation fund accounts for the unit's employees, Article 37 of the Regulations stipulates that:
The housing accumulation fund management center shall order a time limit for the application; and if it fails to apply for the application within the time limit, it shall be subject to a fine of not less than 10,000 yuan and not more than 50,000 yuan.
For units that fail to pay or underpay housing provident fund for a long time, Article 38 of the Regulations stipulates:
The Housing Provident Fund Management Center shall order the payment of the deposit by a specified period of time; if the deposit is still not made after the expiration of the period of time, it may apply to the People's Court for compulsory execution.
Although the Ordinance is not a legal order, but it is also an administrative regulation, also has the force of law, it has its "mandatory" role.
A bear has something to say
Today's article is longer, but it is more important. I hope that all students who are about to enter the workplace will read it carefully. Maybe now you are still alone, parents are well, the family is generous, dashing and easy, worry very little.
But as you grow older, the pressure of family, society, housing, and the birth of the next generation will slowly visit you. And five insurance is a powerful guarantee that you can rely on in the future, when the disaster really comes, can help you cover off a lot of stormy weather.
It's worth spending ten minutes to learn the ins and outs of the insurance system.
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Today's Editor: Eros
Source |? Web
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