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Reprinted from 372873468 at 20:28 on October 16 2010 read (loading. ..) Comments (0) Category: Personal Diary
old-age insurance: you pay per month for units 21%, you pay 8 %;-
health insurance: you pay per month for units 9%, you pay 2% plus 10 dollars for serious co-ordination (co-ordination of key management seriously ill hospitalized this );-
-
unemployment insurance: you pay per month for units of 2%, you pay 1 %;-
injury insurance: you pay per month for units of 0.5%, and you do not get their own dime; -
maternity insurance: you pay per month for units of 0.8%, and you do not get their own dime; -
Housing Fund: Unit for you to pay 8% per month,
red wing sale, you pay 8% -
above, so doing, the units each month to pay for your social security ratio should be 21% +9% +0.5% +0.8% +2% +8% = 41.3% - ;
you pay each month for your social security ratio should be 8% +1% +2% +8% +10 block = 19% +10 Block -
temporarily remove you pay 10 dollars aside, the proportion of units of payment and you pay for the 413:190 ratio should be, which means that if -
your monthly Social Security payment for his 190 dollars, then the unit will go to your Social Security account to break into 413 dollars each -
month to increase your social security account, the money should be 413 +190 = 603 dollars -
So in case you can not see, the unit cost of delivery of social security is 2 times more than you, so your monthly pay social security fees -
Do not feel bad when
O unit ~ you know a lot more than you pay for it, in fact distressed units. -
words back to the three gold and five insurance insurance for a gold, here you should have seen, in fact, said the three lakes on the insurance -
completely equivalent to one gold and one gold, five insurance is only one gold and three insurance pay from your personal insurance (unemployment + pension + medical + provident fund) to -
say, five insurance unit of payment is submitted from your insurance (pension + health + unemployment + injury + Growth + Fund) for the. The three dangerous one -
King said to a perfect insurance policy is just that sound good only. -
addition to units for you to pay social security, in fact, did not work but who have income or have units, but units do not pay social security personnel can also be -
pay social security in their own, but the individual can only pay pension + medical insurance, birth injury ah ah ah unemployment fund, your people have to pay is not up. -
-
Here what is social security contributions under the base -
we already know each month just to pay the social security unit of proportion and you pay almost the 413:190 ratio, and that -
What
out of the question now: his monthly pay social security fees and the proportion of what relationship, social security costs in the end is how -
What do
determined? -
You may not be aware of the various provinces and cities every year in early July to publish a \
are based on the previous year the average salary + employee benefits + a variety of subsidies and other assorted costs calculated through the statistics and the future -
identified, Nanjing announced in July this year, the minimum base is 1189 yuan, which is what this means, which means that as long as Nanjing is -
payment of social security regulations for workers
units per month for each employee to pay the money at least 1189 × 41.3% = 491 million, while the workers each -
months to pay at least 1189 × 19% +10 = 236 yuan, and units per month so you should pay the social security charges came out. -
But now a new problem came out again, Nanjing, wages vary greatly, someone get 1000 a month, someone could get a month -
10000, do get called to get 1000 and 10000 have to pay the same social security costs? -
Please note that this 1189 is the lowest base, in 1189, and the highest on base, Nanjing this year, the highest base seems to be more than 8000 -
, specifically I have forgotten, anyway, if you pay less per month in 1189 yuan, the unit must be in accordance with the 1189 yuan for you to pay 1 -
189 × 41.3% = 491 yuan, and at least a month to pay your own 1189 × 19% +10 = 236 million, this is 1189 as a community -
ensure the significance of the minimum payment where the base was: even if you get 1,000 or 800 a month, your monthly minimum must also be according to -
According to the 1189 pay to
! -
But if you pay higher than 1189, for example, you get 3000 a month, that unit to the Bureau of Labor Insurance when you pay (you -
you pay social security units and the Bureau of Labor costs are deducted, oh ~) to be on the labor bureau, said: \Chi
get 3000 a month, follow the standard deduction 3000 social security dollar fee. \
the number of units and you deduct your money and then hit your social security account, and your unit at this time should you pay each month to 3000 × -
41.3% = 1239 yuan, and you make personally each month in respect of 3000 × 19% +10 = 580 元 -
means that if you pay less in 1189 yuan, then by 1189 you'll pay each month; If your wages in 1189 yuan to -
, then every month you pay according to your real wage, unless your base is even higher than the maximum salary, if you get a month -
10000 and the maximum base is 8000, you and your unit to have to pay in accordance with the 8000 -
here to expose the shameless practice of some companies, these companies may give you a good few thousand a month's wages, but they go to labor -
Activity Board to declare when your base does not go according to your actual wages reported, for example if you get 3000 a month, they -
to the labor bureau said that you could take only 1189, the Bureau of Labor every month and then deduct your 1189 × 19% +10 = 236 yuan, you are probably even higher -
Xing is, because the less money you think your deduction, you actually get our hands on more money -
wrong! If this is your company too outrageous! to pay the money because the company is more than 2 times you, so you pay the less they are -
the less you pay! If real wages in 3000 according to your count, they pay you every month of the 3000 × 41.3% = 1239 Element Club -
premiums, and in accordance with the 1189 to count, they pay you every month 1189 × 41.3% = 491 yuan! so actually you eat a large -
loss! regular company will only pay as you go to the actual declaration of the Bureau of Labor and deducting money! only those companies that will not perishable -
how much control you have in accordance with the minimum standards for wages you pay!! do not think that your Social Security monthly fees deduction, the better!! may -
you have shamelessly bullied by the company and you also knew nothing !!!-
unit for you to determine the base pay in the end how much is simple: if you buckle 300 a month social security, your base -
about is 300 ÷ 19% ≈ 1578 million, you look at your salary is not the number, if you pay significantly higher than in 1578, for example -
you actually get 3000 a month, or 4000, then it must surely have been the company to bully you, and after being bullied you can go to the local -
labor monitoring group to sue you, generally a quasi-one report, but the best time to leave evidence (such as pay slips, etc.) to find -
Well, then tell
, or you sue the company after having failed to make a general - -+-
again shows that the proportion of various parts of the social security constitute not the same, if you do not pay your proportion of Nanjing that is likely to -
not 19%, but certainly not big change, such as your base may be 20% or 22%, but it is not 30% or 40%! so -
Nanjing
Although the proportion of 19%, but foreign students can probably figure out by the base of their own -
Here are some of these social security charges and the specific circumstances is how to use -
has been said earlier, social insurance = + pension + medical insurance maternity insurance, industrial injury insurance + unemployment + insurance + housing fund -
first talk about the good old-age insurance -
generally required to pay the insurance after 15 years to retire to a pension for life, so students who wish to bring pensions -
sure before his retirement 15 years ago began to pay, this is almost the same way than in Nanjing under -
If you go to pay pension retirement age of 15 years, that country until the time you retire your personal account will keep the 8 -
% of the pension all back to you -
you may ask the unit to 21% of your pay gone? -
you do not expect the country will be forwarded to you, you retire to your own money away, the State put the unit for you to pay the 21 -
% of all the money to the national pension scheme in the overall fund, from which no relationship between money and your a -
you may say: I rely on! it was my money why do not you give me -
because the state is so specified -
refund your money back when the only deduction to individuals of his own personal money to pay the unit for him all the money to pay for the country to contribute to a - -
-
below when we look at your retirement pension is calculated how the -
pension algorithm is complex, because the state each year to pay a base of, for example about it: If you are 30 years old -
, your current base pay is 3,000 yuan, while the retirement age of 55 years if it is, then you must be 40 years old before you start delivery -
old-age insurance,
red wing boot store, while 30-year-old if you start now from the cross, handed 55-year-old is 25 years, that first of all sure you can enjoy pension benefits -
, Second, if you pay after 25 years of the 3000 block of base pay has become a 6000 (I said if), then you 55 -
when the first month you can get 6000 × 20% = 1200 block of the basic pension, which is to your country, in addition to your a -
person account of the money accumulated in 25 years has a lot to look good average base pay, (3000 +6000) ÷ 2 = 4500, then -
What You
personal account of 25 years, there should be 4500 × 8% (you pay the proportion of old-age insurance for individuals) × 25 years × 12 months -
= 108000 dollars, then in addition to other prior to 1200 a month you can get the 108000 ÷ 120 = 900 blocks, so you 5 -
5 a month to at least the age of 1200 +900 = 2100 yuan to get a pension, of course, still the base of each country to rise, -
this year in addition to your 900, you get every month after retirement more money than 1200, your pension -
gold of course more and more -
So pay old-age insurance to pay the better, the more you pay after you retire to enjoy the more, and that the national annual adjustment -
base after you get more and more money will now take 1,500 years after the 1000 exchange is possible -
here to introduce a policy of metamorphosis, that is, no matter where you pay social security fees, etc. When you retire you can only back to your -
enjoy the local retirement account the location of the treatment, so look at where the base pay high social security retirement back to the low base, but to -
parties who enjoy the pension would be a big loss, Why? me give an example, if you're young in Nanjing -
work and pay Social Security for 20 years and then retired, but if your account in Heilongjiang, Heilongjiang then you must go back to enjoy the old-age -
payment. If you pay in Nanjing for 20 years, the average base is 3000 (I said if), and when you retire Heilongjiang -
base pay was 1000 (I said if), then you can only enjoy when they retire the treatment of 1000! This is a loss of! a -
words, if you place in the rich pay social security when they retire back to the poor, but the place to enjoy social security, you pay a lot of life, but -
rarely enjoy! Exchange 3000 could only enjoy 1000! This is a terrible thing, but no way, the state is this -
policy, so please account for all the current low base in the western areas such as Beijing or Shanghai, but work in places with high base pay -
Social Security
students pay attention, you can either pay social security in the western, or to the accounts prior to retirement and moved to Beijing or Shanghai, or -
you're doing a huge loss of life of the trading -
that you might say, if my account in Nanjing, then I pay for 20 years in Heilongjiang like the Well, where in the low base pay to -
, when they retire back to the base of a high place to enjoy high welfare. wrong! you think Nanjing Bureau of Labor would casually let you enjoy Mody -
?! the general situation in Nanjing you will find a reason to refuse to be transferred directly! that time you miss s wisdom: In the Black Dragon -
Jiang can not enjoy, in Nanjing, also can not enjoy! -
But some places like the situation has eased some of the provisions, such as Nanjing, allowing you to 5 years before retirement from a low base -
place back in Nanjing, then continue to pay 5 years in Nanjing, Nanjing, high base, after which it will allow you to enjoy the pension back to Nanjing. This -
estimates are not the same policy everywhere, in the future intend to switch to the best students now go to your local labor bureau to engage in this issue -
clear, so that your retirement occurs when an unexpected accident! -
Here to talk about health insurance -
the risk fairly good national policy is important that the number of hospital reimbursement -
said the unit before you pay monthly health insurance is 9%, your monthly health insurance probably pay 2% plus 10 dollars -
serious co-ordination, co-ordination of this illness simply whatever else you are hospitalized, and that 11% in the national health insurance every month to your account to play -
2% of your own, according to 1189 yuan per month if your minimum base pay social security, then the 1189 × 2% = 23.78 元 is -
state money each month to call your own, you can accumulate the money to buy medicine or credit card directly to out-patient services, and the remaining 9% -
countries take it to the medical pool fund operators in the -
in accordance with the provisions of Nanjing, and if you start from January 2007 to pay medical insurance, then from February 2007 onwards you can swipe -
buy medicine or out-patient services, from July 2007 onwards you can be reimbursed for the cost of hospitalization, and reported that the quite complex, for example, well -
the: -
If you August 1, 2007 in the hospital, lived in Nanjing, the best three hospitals are using Medicare hospital within -
medicine, surgery + hospitalization and other expenses spent a total of 5,000 yuan, so reimbursement when the medical center first net 1000, this is from -
step price, the rest of the 4000 health care centers are reimbursed for 4000 × 86% = 3440 million, just pay your own 4000 × 14% = 560 yuan to -
can, with prices starting at 1,000 yuan before, you spend 5000 to pay 1560 yuan for himself as long as can be, and this 1560 yuan -
can also be deducted from your health insurance card (if you usually do not use that card), so this is actually admitting you to hospital does not take much money -
health insurance for our young people much more important than the old-age insurance, hospital doctor, after all, is too ########ing expensive, which is -
Social Insurance
the most important of which -
However, the provisions of health insurance must be submitted in Nanjing 25 years to enjoy life in retirement, so if you retire at age 55, then -
no later than the age of 30 must begin to pay health insurance out -
Here to talk about injury insurance -
the risk tends to be used less in practice, I do not have many contacts, you need to remind you that when at work or if the -
work out what the time, the risk on the lingua franca of the -
but in practice many people pay no attention to the preservation of evidence out of trouble, they can not enjoy the work injury insurance lead, which is a pity -
If you arrive when they were hit by a car, you should up the police, allow the police to investigate evidence of record and photograph collection, the police Department -
manager will give you complete an accident after the identification of what the book or something, you can take this to requests for work-related injuries reported to the -
trouble if you let people run to and does not find what witnesses do not alarm, that no evidence is generally not the case -
been adopted as an industrial injury -
injury there is still time problem, if you July 2007 1 Sunrise injury, you must immediately reporting units, the police issued -
identification evidence and the accident book and your work-related injuries after a medical history to see the doctor or hospital to the unit, called the unit holding the material to -
do injury identification, your units must be August 1, 2007 effective material before your injury to the testing center, if the distance -
days away from you out of work-related injuries more than a month, and that injury may be identified not up. If you do not give you identification unit, -
that you can take your materials to identify center identification, it is best not to exceed one month, otherwise a lot of trouble a lot of trouble -
Here to talk about maternity insurance -
This is also a good example, if you are a girl, pay per month for 1,000 yuan, January 1,
red wing motorcycle boots, 2007 begin to birth -
insurance, contribution base for the 1189, and you pregnant in March 2007, the end of December 2007 gave birth to a child, in January 2008 and discharged, then you -
discharged later to Sign the marriage certificate (not the reimbursement of an unmarried mother) + child certificate (generally not reimbursed Health 2 tires) -
+ records + the size of card check and hospital construction and operation costs of all invoices + list + hospital discharge summary all of these materials to the -
to the company, they can check if you are pregnant take a 500 block, when a child patient took 2000 + surgery,
red wing heritage, in general, the public -
within the provisions of Division in the Medicare basically can give you all the claims, claims to give you the money later, including: 500 inspection fee +2000-
block hospital surgery +1189 Yuan / month × 4 months = 7256, 1189 yuan / month × 4 months, which is specifically for the reimbursement of the medical center -
subsidies girls, only women can get the reimbursement to the -
maternity insurance reimbursement for the state when girls must be given 4 months of average wage, so you have children, then not only claims -
do not earn money but also pay for 4 months! If you base pay higher than wages, such as the cross is to get 1000 1189, -
then you also earn it -
maternity insurance to pay at least a year to enjoy, remember to keep in mind -
In addition there is a problem, boys are also to pay maternity insurance Yup Can you boys enjoy the maternity insurance do? -
If you're a boy, your wife did not work or work units did not pay the insurance, and her children when you pay maternity insurance have also been -
by more than a year, then you can Oh maternity insurance reimbursement, but to the previous examples, for example, you can only submit claims 500 -
check fee +2000 block half of hospital surgery = 1,250 yuan, 1,189 yuan of subsidies / month × 4 months of salary you will not enjoy the -
! This is only reimbursed when girls can enjoy the oh ~ -
the same cost, reimbursement will be able to get 7,256 girls, boys can only get reimbursement for 1250, which is probably rare in China, \
men, \
So, before the girls the best plan to have children about one year ahead began to find a unit to pay maternity insurance, you can make it! -
If you marry my wife and boys, the best time to marry a baby for a year already paid maternity insurance and also the base pay than she -
girls in their high wages
Oh! However, if it does not matter she is not insured, you can give her maternity insurance reimbursement for it, but -
you do not pay subsidies to take 4 months, and the cost of the newspaper you can only get back half. -
-
unemployment insurance -
unemployment insurance, this is also to pay a full year you can enjoy, generally get to pay 1 year 2 months, to pay 2 years get 4 months, but the life the most -
more take 24 months. an example of good: -
If you January 1, 2007 began to pay insurance, in January 2008 the company laid off you are, you can allow the company to get you 2 months -
unemployment insurance, if you are in the year 1189 base pay for insurance, then you can get at least 2 months more than 800 dollars -
or you January 1, 2007 began to pay insurance, in January 2008 and the company you contract expires, and you do not want to renew the contract, then -
you can also leave the company before the company you get 2 months of unemployment insurance, but also more than 800 pieces -
expiration of the contract or company that is dismissed, you can take 2 months a year in accordance with the ratio of unemployment to require companies to give you -
do, if the company does not give you do you can go to report it, a report of a prospective. -
But the contract did not expire if you resign yourself go, that even if you pay full 1 year are not entitled to unemployment insurance -
resign as long as their own, let alone pay 1 year,
red wing shoes, that is, 10 years to pay unemployment insurance to resign when you can not get a penny. Housing fund is a good thing ah -
Well, if you pay 200 a month for the fund, then the company has to your account each month to hit 200, you buy a house -
when this is 400, if you pay a 50,000 whole life, you account is 10 million, and such a good thing we must not -
to reject ah. -
fund can be used to buy a house, loan, renovation or something, if you can find their own home land to build a house, then building a house -
the money paid from the fund where -
If you do not have the money, when they finally retire all of the money seems to come out -
[Advanced chapter] of the supplement [5KB] -
and Nanjing is that different parts of it, and the devil are not allowed to non-payment of medical insurance, social security center that a package that -
birth injuries, including old-age medical unemployment asked the company collected together, it touches the taxpayer may pay the provident fund, because it is attached to the fund -
within the jurisdiction of the Centre -
ratio of the specific form of social security: -
old-age insurance: you pay per month for units 22%, you pay 8 %;-
health insurance: you pay per month for units 12%, you pay 2 %;-
unemployment insurance: you pay per month for units of 2%, you pay 1 %;-
injury insurance: you pay per month for units of 0.5%, and you do not get their own dime; -
maternity insurance: you pay per month for units of 0.5%, and you do not get their own dime; -
Housing Fund: Unit for you to pay 7% per month, you pay 7% -
additional housing funds: unit per month for 8% of your pay, you pay 8% (this only benefits a very good general state-owned enterprises -
only some, and the proportion has its own, the general fund even if the company paid a very moral a) -
also say that a transfer tax and social security relations -
pay a transfer tax at the time, is that part of the individual debit payments calculated after deduction of the taxable base, but one thing to note -
, provident funds and supplementary fund more than 12% of the parts (individuals and businesses to pay part) also need to count in the taxable base in the -
example, 7% above that of the fund to supplement the fund of 8%, add up to 15%, then the personal deduction of 3% of the part of the gold that will count -
in the amount of tax payable at the same time, enterprises that 3%, although not from the individual wage deductions, but still counted as taxable -
base in, that is, individuals for the cost of a transfer tax money pays the bill. -
medical insurance to use this one, throughout the rest goes to personal accounts in different ways -
the kind of love that is the month included ways of Nanjing, there are many places that year included -
Specifically, this is the
, health care is the year 1 April each year to 31 March the following year, while the social security contribution base changes are -
is determined in the early to mid April. -
Medical Insurance Bureau in April 1st base withholding of social security in accordance with each individual health insurance 1 year (that is, the 2%) into the individual health insurance card -
account, but this time there is a problem, April 1, when the base year has not been established Social Security, Medical Insurance Bureau can only be -
according to the previous year's base year is expected to the personal health insurance payments, then the difference between how to do it? That is the second year -
of April 1 to make up a small count, or less give the -
may be such a large segment of the word
look will be very much trouble, that we, for example -
average monthly income of a person 5,000 yuan in 2004, 2005, average monthly income of 4,000 yuan, 6,000 yuan income in 2006 -
Medical Insurance Bureau in April 1, 2006 to the amount of time into personal accounts, social security center has not yet approved the 2006 fee-based -
number (that is, the average monthly income in 2005), the Medical Insurance Bureau is in accordance with the base pay in 2005 (ie 2004 -
-year average monthly income) to calculate the amount of personal accounts throughout the year, -
is 5000 * 2% * 12 = 1200, -
but in fact the person the year the amount of personal accounts should be -
4000 * 2% * 12 = 960, -
then this will give the 240 yuan in April 1, 2007 when the net. At the same time April 1, 2007 into account the new year a -
Kim is still 960 yuan (in fact, should be 6000 * 2% * 12 = 1440 million), less to 480 yuan, will be April 1, 2008 meeting -
back. -
so because most people are not the same base pay each year,
red wing heritage boots, so almost everyone's account every year in March and April when the total number of -
see the amount of the account over the years is different, this is the Medical Insurance Bureau is doing when the annual cost accounting generated. -
injury there is still time problem, if you July 2007 1 Sunrise injury, you must immediately reporting units, the police issued -
identification evidence and the accident book and your work-related injuries after a medical history to see the doctor or hospital to the unit, called the unit holding the material to -
do injury identification, your units must be August 1, 2007 effective material before your injury to the testing center, if the distance -
days away from you out of work-related injuries more than a month, and that injury may be identified not up. If you do not give you identification unit, and that -
can hold your own center identification materials to identify the best and do not exceed one month, otherwise a lot of trouble a lot of trouble -
this point there is a supplement, there are two ways to report injuries, one unit reporting to love to say the same as the above, 30 days -
effect, there is a personal declaration, valid for one year, but due to injury or other reasons, the more the longer the lack of evidence -
, personal statements, then the process will be delayed because they do not know a lot of time and effort. -
maternity insurance, abortion, childbirth, multiple births, premature birth, and can specifically look at the following link, though -
Shanghai's policy, but in all parts of similarity. -
Shanghai and Nanjing
may have different policies, the company will not be reimbursed in charge of this area, and pregnant women are linked directly by the health insurance -
hook -
production in reproductive examination during hospitalization, health care co-ordination within the overall Medicare payments are, of course, the items at their own expense (more than -
such as advanced unit, at their own expense medicine etc) or to themselves. -
Health boy after their application for maternity benefits to the Medical Insurance Bureau, Medical Insurance Bureau to 3,000 dollars -
Social Security piece, to give 3 months base pay of income -
childbearing increases two weeks, multiple births, more than half a plus -
previous years if the average wage income is greater than the maximum social security contribution base, then the payment of social security contribution base that only the Department -
points, the rest paid by the company -
such a person on a monthly average wage income of 10,000, the Social Security cap for the 7392 base. -
then the monthly income of social security to 7392, the remaining 10000-7392 = 2608 is paid by the unit. -
(Although I think this, in the cloud Tell me what you is not easy to come across =。=。。)-
fact, there are two key areas: -
1, pay at least 1 year before birth -
2, the social security contribution base normal reporting -
so that students, especially female students, do not feel the base of the company to give you the level of reporting does not matter, even to the base -
the number of low-wage
my own hand high Fortunately, by this time come to see the problem now! -
This is why there are so many female workers low wages, but would rather stay in the full report of the local social security and then giving birth to change jobs -
reason, the one small place is not like the case of unmarried women are not employees, and second, income maternity insurance is a lot to add. -
example, a 3000 human normal wages, but the declaration of social security base count her year-end bonus awards, etc. Other income, -
it may reach 5000 monthly average, this time to take a child a few months is that the revenue in January 5000. -
If you do not have the money, when they finally retire all of the money seems to come out -
not seemingly, is absolutely! -
and provident fund loans with low interest rates than commercial loans, and this is a big advantage.
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