A perfect insurance policy details

 I found everyone to pay their own social insurance are very concerned about Social Security = s
pension + medical insurance + unemployment + insurance + injury insurance maternity insurance + housing fund s
(Note: The above five risk a gold practice may be different in various areas, your unit may not put a perfect insurance policy for you all to pay, such as Nanjing, some units do not pay health insurance to employees to pay only the remaining four risk a gold, some units do not pay only five insurance fund to pay, so you have to figure out your units in the end what you pay and whether to pay the insurance fund!) s
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ratio of the specific form of social security: s
pension : unit per month for you to pay 21%, you pay 8%; s
health insurance: you pay per month for units 9%, you pay 2% plus 10 dollars for serious co-ordination (illness coordinating major Pipe hospital this); s
unemployment insurance: you pay per month for units 2% you pay 1%; s
injury insurance: you pay per month for units of 0.5%, one point you do not get their money; s
maternity insurance: you pay per month for units of 0.8%, and you do not get their own dime; s
Housing Fund: Unit 8% per month to pay for you, you pay 8% s
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more so doing, you pay per month for units of social security ratio should be 21% +9% +2% +0.5% +0.8% +8% = 41.3% s
you pay each month for your social security ratio should be 8% +1% +2% +8% +10 block = 19% +10 s
temporarily remove the block for 10 dollars you pay not On the unit to pay the proportion of proportion and you should pay 413:190, which means that if you pay each month for your social security 190 dollars, then the unit will go to your playing into the social security account 413 dollars, monthly increase in your social security account the money should be 413 +190 = 603 yuan s
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So in case you can not see, the unit cost of delivery of social security is 2 times your still more, so you pay social security fee per month do not feel bad when the O unit ~ you know a lot more than you pay for it, in fact distressed units - - + s
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Ya Ya ~ words to return the three gold and five insurance insurance for a gold, here you should have seen, in fact, said the three lakes on the total risk of a payment equivalent to five insurance payment, but full insurance from your personal pay for insurance (unemployment + pension + medical + provident fund) for the five risk a gold cross from your organization's insurance (pension + health + unemployment + injury + growth + fund) for the. the full insurance that into a perfect insurance policy is just that sound good only ~ s
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unit can do for you in addition to pay social security, in fact, did not work but have income or have the students do not pay social security unit but the unit students can make their own Social Security, but the individual can only pay pension + medical insurance, birth injury ah ah ah Fund yeah you unemployed individuals to pay is not up more than s
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introduced the structure and composition ratio of social security, described below under the What is social insurance contributions of the s
base of the students already knew just a month flat rate and you pay the payment of social security is almost the 413:190 ratio, then and now out of the question: his monthly pay of The proportion of social security fees and anything to do with it, social security costs in the end is how it determined? s
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You may not be aware of the various provinces and cities every year in early July to publish a This means that as long as the formal Nanjing to pay social security for workers unit, per month for each employee to pay the money at least 1189 t 41.3% = 491 million, while workers at least a month to pay 1189 t 19% +10 = 236 element, so you should pay each month and the unit costs of social security came out s
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But now a new problem came out again, Nanjing, wages vary greatly, someone is making a month 1000, was a 10,000 could get on, do not get called to get 1000 and 10000 have to pay the same social security costs? s
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Please note that this 1189 is the lowest base, there is the highest in 1189 on the base, the highest this year in Nanjing base seems to be more than 8,000 specific I forget, anyway, if you pay less per month in 1189 yuan, the unit must be in accordance with the 1189 yuan for you to pay 1189 t 41.3% = 491 yuan, and you own at least a month have to pay the 1189 t 19% +10 = 236 million, this is the lowest base pay 1189 as the significance of social security where the a: even if you get 1,000 or 800 a month, your monthly minimum must also be submitted in accordance with the 1189 money! s
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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 pay your social security institutions and the labor costs are Office Button, oh ~) to be on the Bureau of Labor, said: block for the payment of the base unit and to deduct your money and then you hit your social security account, and your unit at this time should you pay each month to 3000 t 41.3% = 1239 yuan, and in respect of each month to pay your personal 3000 t 19% +10 = 580 Ԫ s
means that if you pay less in 1189 yuan, then by 1189 you'll pay each month; If your wages in 1189 yuan or more, then you are under a month you pay real wages, unless your base is even higher than the maximum salary, if you get 10,000 a month and the maximum base is 8000, you and your unit to have to pay in accordance with 8000 s
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here to expose the shameless practice of some companies, these companies may give you a good few thousand a month salary, but they report to the Bureau of Labor when your base does not go according to your actual wages reported, for example if you get 3000 a month block, they say you go to the Bureau of Labor may take only 1189, the Bureau of Labor every month and then deduct your 1189 t 19% +10 = 236 yuan, you are probably also happy, because the less money you think your deduction, you actually get our hands on more money s
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wrong! If this is your company too outrageous! because the company paid 2 times your money more, so the less you pay the less they have to pay ! If real wages in accordance with your 3000 to count, they pay you every month of the 3000 t 41.3% = 1239 yuan social security charges, and in accordance with the 1189 to count, they pay you every month 1189 t 41.3% = 491 yuan! so in fact you suffered a major loss! regular company will only pay as you go to the actual declaration of the Bureau of Labor and deducting money! only those mainly as the company will pay no matter how high you have to pay you in accordance with minimum standards !! do not think that your Social Security monthly fees deduction, the better!! You may have been bullied by the company shamelessly and without the knowledge of you!!! s
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to determine the unit your base pay in the end how much is simple: if you buckle 300 a month social security, your base is about 300 d 19% a 1578 element, you look at your salary is not the number, if you pay significantly higher than 1578 high, such as the month you actually get 3000 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 report of a prospective, but the best in the left When the evidence (such as pay slips, etc.) then told to find a good, or you sue the company after having failed to make a general - - + s
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again shows that the composition of each local social security not the same proportion, if you do not pay your proportion of Nanjing that is probably not 19%, but certainly not big change, such as your base may be 20% or 22%, but it is not 30% or 40% ! Therefore, although the proportion of 19% of Nanjing, but the foreign students can probably figure out by the base of their own s
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Well, now you know how much you pay each month to the social security costs, but what these specific social security costs as well as how to use? Below we introduce s
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has been said before, old-age social insurance = work injury insurance + medical insurance + insurance + insurance + unemployment insurance + maternity housing fund s
first talk about the good old-age insurance s
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this insurance are generally required to pay at least 15 years to retire to a pension for life, so be sure the students want to take the pension before retirement in their 15 years ago began to pay, this is almost the same way in Nanjing provisions outside s
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If you go to pay old-age retirement Insurance age of 15 years, that country until the time you retire will keep your personal account for 8% of the pension back to you s
all that you ask the unit to 21% of your pay go? s
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that you do not expect the State will be forwarded to you, you retire to your own money away, the State put the unit is 21% of your money to pay all the pension plan to the national co-ordination a Fund, and from this relationship between money and you never got the s
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you may say: I rely on! it was my money why not give me s
provisions because the state is so - - + s
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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 the - - + s
Here we look at the pension when you retire is how come s
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pension algorithm is very complicated, 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 before you begin to pay old-age insurance, while 30-year-old if you start now from the cross, handed 55 25 years old, then sure you can enjoy the pension first, and second, if you pay after 25 years of the 3000 block of base pay has become a 6000 (I said if), then when you are 55 years old First month you can get 6000 t 20% = 1200 block of the basic pension, which is to your country, in addition to your personal account, the money accumulated in 25 years has a lot to base pay on average about Well, (3000 +6000) d 2 = 4500, then you this personal account of 25 years, there should be 4500 t 8% (your personal pension to pay the proportion of) t 25 months of t12 = 108000 yuan, then In addition to other prior to 1200 a month you can get a 108000 d 120 = 900 blocks, the age of 55 a month so you can get at least 1,200 +900 = 2,100 pension, of course, the base year is also the national to rise, this year in addition to your 900, you get every month after retirement more money than 1200, of course, that your pension will be more and more s
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So make the better old-age insurance to pay, the more you pay after you retire to enjoy the more, and that the base after the annual revision of state money will you get more and more, and now 1000 years after delivery is possible to get 1500 s
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** Here we introduce a policy, that is, no matter where you pay social security fees, etc. When you retire you can enjoy the back seat of your account local retirement benefits, such a view, where the base pay high social security retirement back to the low base, but the local people to 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 return to a pension. If you pay in Nanjing for 20 years, the average base is 3000 (I said if), And when you retire until 1000 in Heilongjiang's contribution base (I said if), then you can only enjoy when they retire the treatment of 1000! This is a loss of! word, where if you pay social security but in the rich retire back to the poor place to enjoy social security, you pay a lot of life but rarely enjoy! AC 3000 may only enjoy the 1000! This is a terrible thing, but no way is this policy of the State, so that all the current account such as low base in the western areas, but in Beijing or Shanghai, where the work of the high base of the students to pay attention to social security, you pay social security or to the west, or to the accounts prior to retirement and moved to Beijing or Shanghai, or you a huge loss of life is doing the trading s
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perhaps you will say that if my account in Nanjing, then I pay for 20 years in Heilongjiang like the Well, where in the low base pay money 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 it?! the general situation in Nanjing you will find a reason to refuse to be transferred directly! to When you miss s wisdom: in Heilongjiang not enjoy, in Nanjing, also can not enjoy! s
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But some places like the situation has eased some of the provisions, such as Nanjing, allows you to pre-retirement 5 years back from a low base where 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 policy are not the same everywhere estimate future classmates intend to switch to the best Now go to your local labor bureau to find out the problem, so your retirement occurs when an unexpected accident! s
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Here to talk about health insurance s
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the risk policy of the country fairly good, it is important for a lot of s
hospital reimbursement, said the unit before you pay monthly health insurance is 9%, your monthly health insurance probably pay 2% plus 10 dollars for serious illness co-ordination, co-ordination of this illness simply whatever else you are hospitalized, and that 11% in the country every month to play with your health care account for 2% of your own, according to 1189 yuan per month if your minimum base pay social security, So 1189 t 2% = 23.78 Ԫ that countries money every 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% of the country to take it to the medical assistance funds in the calculation the s
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in accordance with the provisions of Nanjing, and if you start from January 2007 to pay medical insurance, then starting from the February 2007 credit card you can buy medicine, or out-patient services, from July 2007 onwards You can be reimbursed for the cost of hospitalization, and reported quite complex, for example good: s
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If you August 1, 2007 in the hospital, lived in Nanjing, the best three hospitals, health care during hospitalization are used within the scope of medicine, surgery + hospitalization and other expenses spent a total of 5,000, then the reimbursement when the medical center first net 1000, which is starting price, the rest of the 4000 health care center may be reimbursed 4000 t 86% = 3440 yuan, as long as you personally pay 4000 t 14% = 560 yuan a, 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 in fact you can not spend much money hospitalized s
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health insurance for our young people is much more important than the old-age insurance , after all, his mother a doctor is too expensive hospitalization, and this is also to participate in the most important social insurance where the s
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Nanjing provides health insurance, but must pay at least 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 under the s
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face to talk about injury insurance s
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the risk tends to be used less in practice, I do not have many contacts, need to remind you that when you work or if the time to work out what had happened, the risk on the lingua franca of the s
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but in practice a lot of people out trouble not pay attention to the preservation of evidence, resulting in injury can not enjoy their own insurance, which is a great pity s
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If you arrive when they were hit by a car, you should up the police, allow the police to investigate the records and photographs collection of evidence, the police processed after the accident will give you what identification to open a book or something, you can take this to requests for work-related injuries reported to the s
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if you run out of trouble to let people the alarm is not and does not find any witnesses, that no evidence in the case will not be adopted as the general injury of the s
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injury time there is a problem, if you 1 July 2007 Sunrise the 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 identification of these materials to do work-related injuries, your unit must August 1, 2007 effective material before your injury to the testing center, if you are out of work-related injuries from the days of more than a month, and that injury may be identified not up. If you do not give you identification unit, you they can hold materials to identify center identification, it is best not to exceed one month, otherwise it will be very troublesome troublesome s
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Here to talk about maternity insurance s
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ah, this is also an example Description Well, if you are a girl, a month salary of 1,000 yuan, January 1, 2007 begin to maternity insurance, whereby the base is 1189, and you pregnant in March 2007, the end of December 2007 gave birth to a child , January 2008 and discharged after hospital you want to Sign the marriage certificate (not the reimbursement of an unmarried mother) + Child Permit (2 child's claims generally can not raw) + size chart + checkpoints and the construction of hospital and surgical expenses All invoices + list + hospital discharge summary of all materials submitted to these companies, they can check if you are pregnant take a 500 block, children's hospital + operation when it took 2000, in general, within the limits prescribed in the basic medical insurance can give you all the claims, claims to give you the money later, including: +2000 500 inspection fee per block of inpatient surgery +1189 / month t4 months = 7256, 1189 yuan / month t4 months specifically for this medical center subsidy reimbursement girls, only girls claims to be holding the state s
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maternity insurance reimbursement when girls must be given 4 months, the average wage, so if you have children not only do not pay claims and You can also earn wages for 4 months! If you base pay higher than wages, such as the cross is to get 1000 1189, then you have earned it s
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maternity insurance to pay at least a year to enjoy the , remember to remember s
In addition there is a problem, boys are also to pay maternity insurance Yup Can you boys enjoy the maternity insurance do? s
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If you're a boy, your wife did not work or work units pay the insurance, and her children when you pay maternity insurance have also been more than a year, then you can Oh maternity insurance reimbursement, but to the previous examples, for example, you can only check fee reimbursement +2000 500 block of hospital surgery half fee = 1,250 yuan, 1,189 yuan of subsidies / month t4 months you will not enjoy the wages! It is only when the reimbursement girls can enjoy the oh ~ s
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the same cost, girls Reimbursement will be able to take the 7256, 1250 boys can only get reimbursed, it is probably rare in China, best to plan before, began to find a unit of one year in advance to pay maternity insurance, you can make it! s
If you marry my wife and boys, the best time to marry a baby has to pay a year's paid maternity insurance and Base salary is also higher than her own girl 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, but you can only get the cost of the newspaper back half of the - - + s
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unemployment insurance, this is also to pay a full year you can enjoy, generally pay 1 year 2 months to get , to pay 2 years get 4 months, but a lifetime to get up to 24 months. an example of good: s
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If you January 1, 2007 began to pay insurance, in January 2008 by the company fired you , then you can allow the company to get you 2 months of unemployment insurance, if you are in the year 1189 base pay for insurance, then you can get at least 2 months more than 800 yuan s
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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 unemployment insurance, but also more than 800 pieces s
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expiration of the contract or company that is fired, 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 you do you can go to report it, a report of a quasi - - + s
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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 s
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resign as long as their own, let alone pay 1 year, that is, 10 years to pay unemployment insurance to resign when you can not get a penny - - + s
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ah, the housing provident fund is a good thing ah ~ s
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Well, if you pay 200 a month for the fund, then the company also to your account each month to hit 200, you buy a house that is 400, if you pay 5 million lifetime, you account is 10 million, and such a good thing we must not reject ah ~ s
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fund can be used to buy a house, loan, renovation or something, if you can find their own home land to build a house, and that the money to build a house where you can pay from the Fund s
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If you do not have the money, when they finally retire all of the money seems to come out s
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