buy asics tiger-About five insurance payments of knowledge

Please

reproduced, later to find that province, and facilitate more convenient to own. Welcome reproduced ah!
specific composition ratio of social security:
pension insurance: you pay per month for units 21%, you pay 8%;
health insurance: unit per month for you to pay 9%, you pay 2% plus 10 dollars of serious co-ordination (serious co-ordination mainly in charge of this hospital);
unemployment insurance: unit per month for you payment of 2%, you pay 1%;
injury insurance: you pay per month for units 0.5%, you do not get their own penny;
maternity insurance: you pay per month for units of 0.8%, you do not get their own penny;
Housing Fund: Unit 8 percent per month for you to pay, you pay 8% < br> more, so doing, the unit each month to pay for your social security ratio should be 21% +9% +2% +0.5% +0.8% +8% = 41.3%
; you pay each month for your social security ratio should be 8% +2% +1% +8% +10 block = 19% +10 to temporarily remove the block
You pay 10 dollars aside, the proportion of units to pay 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 be to you play into the social security account 413 dollars a month on your account the increase in Social Security money should be 413 +190 = 603 dollars
So in case you can not see, unit to pay social security costs is 2 times more than you, so you pay each month when the social security charges
Do not feel bad Yeah - you know the unit to pay a lot more than you do, in fact distressed units.
Huayue back to that full insurance Jinhe five insurance payments, where we should have seen, in fact, mentioned three rivers and lakes entirely on insurance payments equal to five insurance payments, but full insurance is paid from your personal insurance (unemployment + pension + medical + provident fund) for the five insurance payments are paid from your unit of insurance (pension + health + unemployment + injury + birth + Provident Fund) for of. The full insurance that as a perfect insurance is just that up nicely it.
addition unit for you to pay social security, in fact, did not work but have income or have a unit but who do not pay social security unit staff can also be
to pay their own Social Security, but the individual can only pay pension + medical insurance, unemployment, work injury ah ah ah fund maternity Yeah, you do not personally have to pay up.

Here's what is social insurance contributions under the base we already know
have to pay a monthly flat rate and you pay social security is almost the 413:190 ratio, then and now out of question: his monthly pay social security fees and anything to do with this ratio, social security costs in the end is how to determine it?
we may not be noticed, in all provinces released in early July each year a 1189 yuan, which is what this means, meaning that workers in Nanjing as long as the regular payment of social security for the unit, per month for each employee to pay the money to at least 1189 × 41.3% = 491 million, while workers at least a month Exchange 1189 × 19% +10 = 236 yuan, so you should pay each month and unit costs of social security came out.
But now a new problem came out again, Nanjing, wages vary greatly Yeah, it was a month to get 1000, it was a month could get
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, there is the highest in 1189 on the base, the highest base in Nanjing this year seems to be more than 8,000
, specifically I have forgotten, anyway, if you pay 1189 yuan per month in the following, the unit must be in accordance with 1189 yuan for you to pay 1189 × 41.3% = 491 dollars, and you own at least a month to pay 1189 × 19% +10 = 236, $ 1189 as this is the minimum social security contribution base lies the meaning: even if you get 1000 or 800 a month, your monthly minimum must also pay in accordance with this 1189!
But if you pay higher than 1189, for example, you get 3000 a month, that unit to the labor bureau to give you time to pay the insurance (you pay your
units and social security costs are deducted, oh - labor bureau ) should be on the labor bureau, said: unit and your money and then hit your social security account, your unit at this time should you pay each month on the 3000 × 41.3% = 1239 yuan, and you personally pay every month on the 3000 × 19% +10 = 580 yuan
means that if you pay in 1189 yuan or less, every month you pay in accordance with 1189; if you pay in 1189 yuan to
, then each May you pay according to your actual wages, unless your base is even higher than the maximum salary, if you take
10000 a month and the maximum base is 8000, you and your unit will have to pay in accordance with 8000.
here to expose the shameless practice of some companies, these companies may be given a month's wages Hello thousands, but they report to the Bureau of labor
move when your base does not real wages to go according to your report, such as if you get 3000 a month, they say you go to Bureau of Labor may take only 1189, and then only deduct your monthly Bureau of Labor 1189 × 19% +10 = 236 yuan, you I am afraid, very happy, because the less money you think you buckle, you actually get our hands on more money.
wrong! If this is your company too outrageous! because the company paid 2 times your money, therefore you pay less and they pay less
! according to you to count the actual salary of 3,000, they pay you every month of the 3000 × 41.3% = 1239 yuan of social security fee, according to 1189 to count the words, they pay you every month 1189 × 41.3% = 491 yuan! so In fact you suffered a major loss! regular company will only pay as you go to the actual labor bureau reporting and deducting money! only the testimony of those companies will pay no matter how high you have to pay in accordance with minimum standards!! do not that your monthly Social Security payment deduction, the better!! company you may have been shamelessly bullied and you knew nothing!!!
unit for you in the end to determine payment How much is the base is very simple: if you buckle 300 a month social security, that is your base
about 300 ÷ 19% ≈ 1578 dollars, you look at your salary is not the number, if you pay significantly more than 1578 high, such as the month you actually get 3000 or 4000, it certainly has been the company to bully you, and after being bullied you can go to a local unit of labor monitoring group to sue you, usually a report 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!
again noted that the proportions in various parts of social security is not the same, if you do not pay your proportion of Nanjing that is likely to
than 19%, but certainly not too unfamiliar , for example, your base may be 20% or 22%, but certainly not 30% or 40%! Therefore, although the proportion of 19% in Nanjing, but foreign students can also be roughly calculated by the base of their own.
Here are some of these social security charges and the specific situation is how to use
already said, old-age social insurance = insurance + insurance + medical insurance + injury + unemployment insurance, maternity insurance + Housing Fund
first talk about the good old-age insurance.
This insurance generally must pay at least 15 years to retire to a pension for life, so the students want to take pension
sure before his retirement 15 years ago starting pay, the outside is almost identical in Nanjing provisions: If you go to pay pension retirement age of 15 years, then wait until you retire, when countries will keep your personal account for 8% of all pension back to you.
you ask, you pay a flat 21% gone?
that you do not expect the State will be forwarded to you, you retire to your own money away After the state put the unit for you to pay 21% of all the money designated to the state pension fund in co-ordination, and from this money and you no longer relationship.
You might say: I rely on! Why that is I do not give me the money because the state is so
provisions
refund back only when deduction to individuals of his own personal money to pay the unit paid for his money all contribute to the country of - -
Here we look at the time of your retirement pension is to figure out how to < br> pension algorithm is very complicated, because the state base pay every year to become one, a good example: If you are 30 years old
, your current base pay is 3,000 yuan , while the retirement age is 55 years old if so, then you must start before the age of 40 you pay old-age insurance, and if you start from the 30-year-old cross, handed the 55-year-old is 25 years, then surely you can enjoy the first pensions, and secondly, if you pay after 25 years of 3000 base pay has become a 6000 (I said if), then 55 years old you can get the first month 6000 × 20% = 1200 the basic pension, which is to your country, in addition to your personal account on the money in 25 years has accumulated a lot to look good average base pay, (3000 +6000) ÷ 2 = 4500, 25 years you this personal account there should be 4500 × 8% (you pay the proportion of old-age insurance, individual) × 25 years × 12 months = 108 000 dollars, then in addition to other pre-1200 you each month can get the 108000 ÷ 120 = 900 blocks, the age of 55 a month so you can at least get the $ 1200 +900 = 2100 pension, of course, each country's base still go up, so in addition to your own 900 per year blocks, each month you retire later than 1200 to get more money, of course, that your pension will be more and more.
So pay old-age insurance to pay the better, the more you pay after you retire to enjoy the more, and the state each year to adjust
base after you get the money more and more, pay now take 1500 years after 1000 are possible.
metamorphosis here to introduce a policy that no matter where you pay social security fees, etc. When you retire you can only enjoy the back seat of your account local retirement benefits, such point of view, in the base But the high places to pay social security retirement back to the low base a pension where the person would be a big loss, Why? me give you an example, if you are a young man in Nanjing work, pay and social security for 20 years retired, but if your account in Heilongjiang, Heilongjiang, you must return to a pension if you pay in Nanjing 20 years, the average base is 3000 (I said if), and when you retire to pay Heilongjiang cost base before 1000 (I said if), then you can enjoy retirement when the treatment of 1000! This is loss of! word, where if you pay social security but in the rich when they retire back to the poor place to enjoy social security, Then you pay a lot of life but rarely enjoy! pay 3000 may only enjoy 1000! This is a terrible thing, but no way, the state is this policy, so please all current accounts in the western areas such as low base But in Beijing or Shanghai, where high base pay social security work of the students pay attention, you can either pay social security in the West, or on the accounts before retirement moved to Beijing or Shanghai, or else you're doing a huge loss of life of this Trading
that perhaps you will say, if my account in Nanjing, then I pay for 20 years in Heilongjiang not like the Well, where the low base pay
, retire back to the base of a high place to enjoy high welfare. wrong! you think Nanjing casual labor bureau will let you enjoy it?! Nanjing general this case you will find a reason to refuse to be transferred directly! that time you clever anti- by clever misuse: in Heilongjiang not enjoy, in Nanjing, also can not enjoy! But some places, such as the situation has eased some of the provisions, such as Nanjing, allowing you to retire five years before the place back from a low base in Nanjing, then the 5 Nanjing, Nanjing continue to pay the high base, after which it only allows you to enjoy the pension back to Nanjing and this policy is different in various parts of estimated future intend to switch to the best students now go to your local labor bureau to find out the problem , so that your retirement occurs when an unexpected accident!
Here to talk about national health insurance
This insurance policy pretty well, it is important for many hospital reimbursement!
said the unit before you pay the monthly health insurance is 9%, your personal medical insurance to pay each month is about 2% plus 10 dollars
serious co-ordination, no matter the serious co-ordination You just another hospital, and that 11 per cent in the national health insurance per month to your account to play on your own 2%, according to 1189 yuan per month if your minimum base pay social security, then the 1189 × 2% = 23.78 yuan per month is the national call your own money, the money you can accumulate credit card directly to buy medicine or see out the remaining 9% of the country count on to take in the medical pool fund.
in accordance with the provisions of Nanjing burberry, if you start from January 2007 to pay medical insurance, then from February 2007 onwards you can buy medicine or see out credit card
, from 2007 July you can be reimbursed the cost of hospitalization, the newspaper's quite complicated, a good example:
If you August 1, 2007 in the hospital, lived in Nanjing, the most good three hospitals, hospital use are within the scope
Medicare medicine, surgery + hospitalization and other expenses spent a total of 5,000, then the reimbursement of the medical center when the first deduction 1000, which is starting, and the remaining The 4000 Medicare reimbursement Center 4000 × 86% = 3440 dollars, as long as you personally pay 4000 × 14% = 560 yuan can be, and with prices starting at 1,000 yuan before, you spend 5000 to pay 1560 yuan on their own as long as can, and this 1560 yuan also deducted from your health insurance card (if you usually do not use that card), so in fact you can not spend much money hospital medical insurance for our young people more important than old-age insurance After all, his mother a doctor-patient is too expensive, which is to participate in social insurance, the most important lies.
but provides medical insurance must be paid in Nanjing 25 years to enjoy life after retirement, so if you retire at age 55, that
at the latest since the age of 30 must begin to pay health insurance.
Here to talk about risk injury insurance
This practice is generally used less, I have come not many need to remind everyone that if you work or when work on the
When what happened, the risk to the lingua franca of the. However, 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 great pity if you work when they were hit by a car, you should start alarm, let the police to investigate the record and photograph collection evidence, the police processed after the accident will give you what identification to open a book and the like, you can take this to the reported injury of requests for trouble if you just let it run and does not find the witness not alarm What, that no evidence in the case will not be adopted as the general work-related injuries.
injury there is a statute of limitations, if you sunrise July 1, 2007 a work injury, you must immediately report the unit, the police issued the
evidence and testimonials as well as accident You go out after work injury records to the doctor or hospital unit, called the unit holding the identification of these materials to do work-related injury, your unit must be August 1, 2007 effective material prior to your testing center to injury, if the distance you out of work-related injuries more than a month days, and that injury may be identified not up, if you do not give you identification of units that can hold your own center identification materials to identify the best and do not exceed one month, otherwise it will a lot of trouble a lot of trouble.
Here to talk about maternity insurance
This is a good example, if you are a girl, a monthly salary of 1,000 yuan, January 1, 2007 began to pay maternity insurance, pay 1189 cost base, and you pregnant in March 2007, end of December 2007 gave birth to a child, was discharged in January 2008, then you have to rush to hospital after a marriage certificate (not the reimbursement of an unmarried mother) +-child certificate (usually to 2 child's health claims that can not) + medical + examination and building size cards of all hospital and surgical expenses invoices + list + hospital discharge summary of all materials submitted to these companies, check if you are pregnant, when it took 500, children's when the patient took 2000 + surgery, in general, within the provisions in health insurance can give you basically all the claims, reimbursement of the money after you include: 500 block of hospital inspection fees surgery +1189 +2000 Yuan / month × 4 months = 7256, 1189 yuan / month × 4 months, which is specifically for the reimbursement of the medical center. Subsidies for girls, only girls get the reimbursement in order to.
state maternity insurance reimbursement when girls must be given four months of average wage, so you have children, then not only claims but also
do not earn money four months of wages! If you pay higher than the base pay, for example, take the 1000 pay is 1189,
then you have earned it!
maternity insurance to pay at least a year to enjoy, remember remember!
In addition there is a problem, the boys also pay maternity insurance ah ~ Can you boys enjoy the maternity insurance, it?
If you're a boy, or your wife did not work work unit did not pay the insurance, and her children when you pay maternity insurance has
by more than a year, then you can be reimbursed maternity insurance oh, but to the previous examples, for example, you can only be reimbursed 500 inspection fees, hospital surgery +2000 half block = 1,250 yuan subsidies 1189 yuan / month × 4 months salary you will enjoy it! This is only reimbursed when girls can enjoy oh ~
the same cost, reimbursement will be able to get 7256 girls, boys can only get 1250 for reimbursement, which is probably rare in China So, the girls plan to have children before the best bit, starting to find a unit to pay a year ahead of maternity insurance, you can make it!
If you marry my wife and boys, the best married when the baby has a paid maternity insurance and pay a year's base salary is also higher than her own girls
Oh! but if she is not insurance, it does not matter, you can give her maternity insurance reimbursement for it, but you do not pay subsidies to take four months, and the cost of the newspaper you can only get back half.

unemployment insurance unemployment insurance, this is want you to pay a full year to enjoy, usually take a year to pay 2 months, pay 2 years get 4 months, but life's most
take more than 24 months a good example:
If you January 1, 2007 began with Insurance, January 2008, you dismissed by the company, then you can allow the company to give you Take 2 months
of unemployment insurance, if this year you are in 1189 base pay insurance, you can get at least 2 months more than 800 dollars or you January 1, 2007 began with Insurance , 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 you allow the company to pick up two months of unemployment insurance, but also more than 800 pieces that contract expires, or the company laid off, you can get 2 months of the year according to the ratio of unemployment to require companies to give you to do, if the company does not give you do you can go to report it, a report a prospective.
But the contract did not expire if you resign yourself go, that even if you pay full year are not entitled to unemployment insurance as long as his resignation, let alone pay for one year, that is, pay 10 years of unemployment insurance to resign when you can not get a penny. Housing fund is a good thing ah
Well, if your monthly for the fund to pay 200, then the company has a month to play 200 on your account, when you buy a house
which is 400, and if you pay 50,000 lifetime, and that your account is on a 100,000 , we must not reject such a good thing ah. Fund can be used to buy a house, but also loans, 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.
If you do not have this money, and finally retired when all the money seems to be able to come out
[Advanced chapter] of the supplement [5KB]
is that different parts of it and Nanjing, and the devil are not allowed to non-payment of medical insurance, social security center that a package that includes pension
unemployment, work injury medical care to ask companies with revenue of fertility, it touches on fund payment may be paid, because it is under the jurisdiction of the central fund.
specific composition ratio of social security:
pension insurance: you pay per month for units 22%, you pay 8%;
health insurance: unit per month for you to pay 12%, you pay 2%;
unemployment insurance: you pay per month for units of 2%, you pay 1%;
injury insurance: You pay for the unit of 0.5% per month, you do not get their own penny;
maternity insurance: you pay per month for units of 0.5%, you do not get their own penny;
Housing Fund: Unit 7 percent per month for you to pay, you pay 7%
additional housing funds: unit per month for you to pay 8%, you pay 8 % (this is only the general benefits of good will and some state-owned enterprises
, and ratios of its own, the general fund even if the company paid a very moral a)
another to say that social security and a transfer tax relationship.
to pay a transfer tax at the time, is that part of the personal deduction payments deducted before calculation of the taxable base, but one thing to note
, provident funds and supplementary fund more than 12% of the part ( individuals and businesses to pay part) also need to be considered in the taxable base. Fund the above example, say 7%, 8% supplementary fund, add up to 15%, then the individual gold buckle part of that 3% should be considered in tax liability, while businesses that 3%, although not from the individual wage deducted, but still have to be considered in the taxable base, that is, individuals for the cost of a transfer tax money pays the bill.
medical insurance to use this one, goes to personal accounts for around a different way. Nanjing is supposedly the way that included a monthly basis, there are many places year included.
Specifically, is this, the annual health insurance is the annual April 1 to March 31 the following year, while changes in social security contribution base is also
determined in mid-April on. Medical Insurance Bureau in April 1 per person per year in Social Security withholding base of personal health insurance (that is, that 2%) into the individual health insurance card accounts, but this time there is a problem there, April 1, when base year of social security has not been established, only in accordance with the Medical Insurance Bureau to forecast that the base year of personal health insurance payments, then the difference between how to do it? That is, in the second year of April 1 to make up little more than count or less given.
may look such a large section of the word that a lot of trouble, then we for example.
person monthly average income of 5,000 yuan 2004, 2005, average monthly income of 4,000 yuan cheap herve leger strapless, Insurance Bureau in 2006 income of 6,000 yuan in April 1, 2006 to the amount of time into personal accounts buy asics tiger, Social Security Center not yet approved base pay in 2006 (that is, the average monthly income in 2005), the Medical Insurance Bureau, or the 2005 base pay (that is, the average monthly income in 2005) to calculate the annual amount of personal accounts, that is, 5000 * 2% * 12 = 1200, but in fact this person this year, the amount of personal accounts should be
4000 * 2% * 12 = 960, then this will give the 240 yuan in April 2007 1, when the deduction. At the same time April 1, 2007 into the account of the new year is still 960 yuan individual gold (in fact, should be 6000 * 2% * 12 = 1440 million), less to 480 yuan, will be April 1, 2008 up back.
so because most people are not the same base pay each year, so almost everyone's account every year in March and April when the total number of years
see the amount of the account is different This is done each year in the Medical Insurance Bureau generated when cost accounting.
injury there is a statute of limitations, if you sunrise July 1, 2007 a work injury, you must immediately report the unit, the police issued the
evidence and testimonials, and you out of accidents After injury to the doctor or hospital medical records to the unit, called the unit holding the identification of these materials to do work-related injury, your unit must be August 1, 2007 effective material before your injury to the testing center, if you are a distance days of work-related injuries more than a month, and that injury may be identified not up, if you do not give you identification of units 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, on and above the same love that, 30 days have
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 similarities. Shanghai and Nanjing may have different policies, the company will not control this reimbursement, and pregnant women by health care linked to direct production in checking birth hospital, health care co-ordination within the overall Medicare payments are, of course, the items at their own expense (such as senior ward, at their own expense medicine etc) or to themselves. Health boy after their application for maternity grant to Medical Insurance, Medical Insurance to 3000 dollars
Social Security piece, another three-month base pay plus half of the income and childbearing, multiple births, more If a half plus years on an average wage income is greater than the maximum social security contribution base, then the social security contribution base pay only part, and the rest paid by the company such as someone on an average monthly salary of income of 10000, the social security cap for the 7392 base. Then the monthly income of social security for 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 hit =. =. . )
In fact, there are two key areas:
1, pay at least 1 year before birth
2, the normal reporting
social security contribution base So the students, especially female students, do not you think the company declared the base level does not matter, even to lower his base salary
hand the number of high Fortunately, this time to see the problem now! This is why there are so many women workers low wages, but would rather stay in a place of social security in full declaration of giving birth and then quit.
reason, the one small place is not like the case of unmarried women are not employees, and second, maternity insurance is a lot of income supplement.
For example, a normal salary of 3,000, but the declaration of social security base count her year-end bonus awards, etc. Other income,
then the monthly average may reach 5000, this time that several children take the month is January, 5000 revenues.
If you do not have this money, and finally retired when all the money out of seemingly can not come
seemingly, is absolutely! And provident fund loans than commercial loans low interest, and this is a big advantage.