(1) social security contribution ratio
Endowment insurance: the unit pays 65438+ 0.8% of the payment base, and the individual pays 8% of the payment salary;
Medical insurance: 9% of the unit contribution base and 2% of the individual contribution salary (six districts); Units pay 7% of the base, and individuals pay 2% of the wages (four cities);
Unemployment insurance: the unit pays 1%, and the individual pays 0.5% of the salary (agricultural registered permanent residence individual does not pay);
Work-related injury insurance: the unit is 0.7%, 1.2% and 1.9% respectively according to the industry type, and the individual does not pay the fee;
Maternity insurance: the unit pays 65438+ 0% of the payment base, and the individual does not pay.
Remarks:
Six Districts of Qingdao: Shinan District, Shibei District (including former Shibei District and sifang district), Licang District, Laoshan District, Chengyang District and Huangdao District (including former Huangdao District and Jiaonan City).
Four cities in Qingdao: jiaozhou city, jimo city, Laixi and pingdu city.
(2) Housing provident fund deposit ratio
Units and employees' respective housing provident fund deposit ratio should not be less than 5%, in principle, not more than 12%. Conditional units can appropriately increase the proportion of housing provident fund deposit, but the maximum shall not exceed 20%.
The contribution ratio of freelancers is still 5% for each unit and individual or 0/2% for each unit and individual, and both units and individuals are borne by freelancers.
Adjust the housing provident fund deposit ratio, should be adjusted at the same time with the deposit base within the prescribed scope. The same unit can only implement the same deposit ratio, and the unit deposit ratio shall not be lower than the employee deposit ratio.
Two, Qingdao five insurance and one gold payment base
(1) social security payment base
On May 3 1 day, the average salary of Qingdao employees in 20 13 was announced, and the average monthly salary was 3,557 yuan, an increase of 440 yuan compared with 20 12. After the adjustment of social wages, the social security (pension and medical care) payment standards of flexible employees will also change. The average wages of employees in the previous year are 100%, 80% and 60% as the base, of which pension is 20% and medical care 1 1%, so the monthly payment will be reduced from 966.27 yuan last year. At present, the social insurance of flexible employees is generally deducted at the end of the month. Take the lowest level of 60% as an example. This month, not only the 54 yuan was 661.in June, but also the bank card had 65,438+408.9 yuan.
How much more will enterprises and individuals spend after the social security base is raised? For the unit payment, 60% of 3557 yuan is the minimum standard this year, and 0.7% is the minimum standard for work-related injuries. It costs 634 yuan for an employee to pay all five insurances, while 555 yuan was enough last year. For the individual contribution, I paid 196.35 yuan every month last year, and now I need to pay 224.07 yuan.
(2) Housing provident fund deposit base
Since July 1 year, the payment base of employee housing provident fund in this city has been adjusted from 20 12 to 20 13 (the average monthly salary of employees is calculated according to the total wages stipulated by the national statistics department), and the upper limit of the payment base is 17786.65 yuan. The lower limit of the deposit base shall not be lower than the monthly average minimum wage in this Municipality in the previous year. The monthly average minimum wage of Qingdao in 20 13 is: six districts 1356.67 yuan and four cities 1200.00 yuan.
The upper limit of the monthly deposit amount of the unit and employee housing provident fund is 3557.00 yuan respectively. The lower limit of the monthly deposit of housing provident fund for units and employees is 68.00 yuan in six districts and 60.00 yuan in four cities respectively.
If you are a freelancer, the upper limit of this year's provident fund deposit base is determined to be no more than three times the average monthly salary of employees in the previous year, that is, 1067 1.99 yuan, and the lower limit is determined to be 60% of the average monthly salary, that is, 2 134.40 yuan.
In addition, if the deposit base exceeds 3 times the average monthly salary of employees in this city in the previous year (8 190.75 yuan), or the deposit ratio exceeds 12%, the overpaid housing provident fund will be incorporated into the personal current salary and salary income, and personal income tax will be paid.
Looking for a job, in addition to asking about salary, you usually have to ask how to pay five insurances and one gold. Because you can't live without it. But five insurances and one gold actually have some secrets that you don't know. For example, pension insurance is overpaid; Medical insurance not all diseases can be insured.
The following are the secrets of "five insurances and one gold":
Shenma is five insurances and one gold: five insurances and one gold for social security, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.
Revealing the five insurance and one gold scam: Did you pay your money for nothing?
Proportion of regular payment of five insurances and one gold
Next, let's read the secret of five insurances and one gold in detail.
1, Qingdao endowment insurance: Your consumption level may drop sharply after retirement.
At present, the core of China's old-age insurance system is the basic old-age insurance for urban workers. That is, working people can deduct a sum of money from their wages every month, and they can receive pensions from the social security system when they reach the legal retirement age (60 men and 50 women).
If you graduate from university at the age of 22 and work in Beijing with the highest China Pension Development Index, the average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2065,438+065,438+0 was 4,672 yuan), and the salary base paid by the company is 8,000 yuan. According to the fixed growth rate of 5%, when you retire (60 years old), your monthly salary is 48,600 yuan. According to current standards, the pension you receive after retirement is 8624 yuan. This is only equivalent to 18% of the salary before retirement, and is lower than the national average basic consumption expenditure.
2. Qingdao Medical Insurance: Not all diseases can be insured.
Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction and mental illness are not covered by medical insurance.
In addition, if there are unfortunate traffic accidents or injuries by gangsters, these are not covered by medical insurance. Only when the public security organ proves that the injurer cannot be found can it be temporarily written off by medical insurance.
There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.
3, Qingdao to receive unemployment benefits, must first meet the following two conditions:
1) The employer and I have fulfilled the obligation to pay unemployment insurance for 1 year according to the regulations.
2) Resign voluntarily
Then there are a lot of formalities to be done: within 60 days from the date of leaving your job, you should register unemployment with the labor security department of the street or town where your household registration is located and apply for unemployment insurance money with your vocational guidance and training card, household registration book, ID card, proof of labor (employment) termination contract or work relationship, and photos.
Pay attention to the location of your hukou, that is, if your hukou is in Gansu and people work in Shanghai, you have to go back to your hometown all the way. According to current standards, the unemployment insurance premium in most cities ranges from several hundred yuan a month, and basically does not exceed 1 10,000 yuan. The more backward the economy is, the less you can get. There is not much money, and the time to get it is not long: before unemployment, pay 1 to five years, and get 12 months at most; 5 years to 10 years, at most 18 months; If the accumulated payment time exceeds 10 year, the longest payment period is 24 months.
4. Qingdao industrial injury insurance: 48-hour life and death line.
On June 19, an article entitled "Is the death of underage migrant workers late 1 hour not a work-related injury death? The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.
They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.
In fact, disputes and lawsuits about work-related injuries have been going on. It's not just a 48-hour line. It's not that easy to identify work-related injuries.
5, Qingdao maternity insurance: there must be a unit.
Childbirth is a very private matter, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.
Maternity insurance must be paid for at least one year to enjoy it. After giving birth, we will continue to pay the fees. If you don't pay, you won't enjoy the benefits of family planning later.
6. Qingdao housing provident fund: it is not cost-effective not to use it for a long time.
As many people know, the more housing provident fund units pay each month, the better, which can be used to buy houses and decorate in the future. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account.
Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In the case of increasing inflation, it is obviously not as good as self-investment, or even as good as one-year time deposit in banks.
Now, have you understood all these little secrets about five insurances and one gold?