Do you know, friends?In fact, the payment ratio of five insurances and one housing fund is 19% for endowment insurance and 8% for individuals. The following is what is the payment ratio of five insurances and one housing fund for everyone, I hope you can like it!
What is the proportion of five insurances and one housing fund?
The requirements for the payment ratio of five insurances and one housing fund are mainly as follows:
1. Endowment insurance.
Employers generally need to pay according to the proportion of 16%, and the proportion of on-the-job employees is 8%, but the proportion will be different depending on regional management, for example, the proportion of employers in Guangzhou is 15%, and the proportion of individual contributions is 8%.
2. Medical insurance.
Employers are generally required to pay at a rate of 8%, and employees on the job are required to pay at a rate of 2%.
3. Unemployment insurance.
In fact, the contribution ratio of unemployment insurance is not consistent in each region, for example, the contribution ratio of unemployment insurance units in Changsha is 07%, and the individual contribution ratio requirement is 03%;The requirement for the proportion of unemployment insurance units in Nanchang is 05%, and the individual contribution ratio requirement is 05%;The proportion of unemployment insurance units in Guangzhou is as follows. 48% and 08% of the three grades, while the individual contribution ratio is 02%。
4. Work-related injury insurance.
The employer needs to choose the corresponding work-related injury insurance payment ratio according to the risk of the industry to which it belongs, and the first department adjusts the proportion according to the work-related injury risk category of the industry, and the work-related injury insurance payment ratio may be different in different regions, and there is no fixed amount that is relatively determined, such as the work-related injury insurance payment ratio in Changsha City. 6% of these eight grades are implemented, and the participating units of engineering construction projects need to be based on 1 of the total cost8. Pay work-related injury insurance.
5. Maternity insurance.
The proportion of maternity insurance is also paid by the unit itself for the employees, and the specific payment ratio is determined by the overall area itself, for example, the proportion of maternity insurance in Nanchang City is 05%, while the proportion of maternity insurance in Changsha is 07%。
6. Provident fund.
The contribution ratio of the provident fund is 5%-12%, and the employer chooses the proportion according to its actual situation, and the on-the-job employee and the employer choose the same contribution ratio.
In addition to the on-the-job workers, there are flexible employment people, the proportion of flexible employment in each region to participate in the social security of employees is determined by the local government, and the provisions of the insurance that can be paid are not the same, take the most basic pension insurance as an example, Shanghai's flexible employment personnel need to pay pension insurance according to the proportion of 24%, and Changsha City's flexible employment personnel pension insurance payment ratio is 20% If the insured wants to know the proportion of five insurances and one housing fund in their insured place, they can consult the local social security staff.
What is the payment base of five insurances and one housing fund?
According to the corresponding regulations of the state, the payment base of five social insurances and one housing fund is mainly determined according to 60%-300% of the average social wage, and if the monthly salary of the insured is lower than 60%, it will be paid according to 60% of the amount;If it is higher than the 300% grade, the payment will be made according to the amount of the 300% grade;If the monthly salary is between 60% and 300%, then according to their actual salary as the payment base, but because the payment base of on-the-job employees is reported by the employer, the specific value still needs to be determined by the employer. The payment base is paid, so the insured also needs to pay the social security fees for the months before the increase this year.
In real life, the payment base will change every year, unless it encounters a special economic situation, the higher the payment base, the more funds will be paid into the social security personal account, and the insured will be able to receive more pensions after retirement.
Guangzhou five social insurance and one housing fund payment base
Guangzhou currently uses the payment base for the 2022 social security year, as of June 30, 2023:
1. The upper limit of the payment base of basic endowment insurance in Guangzhou is 24,930 yuan per month, and the lower limit of the payment base is 4,588 yuan per month
2. The upper limit of the basic medical insurance payment base is 36,072 yuan, and the lower limit of the medical insurance payment base is 7,214 yuan per month.
3. The upper limit of the payment base for unemployment insurance is 36,072 yuan, and the lower limit of the payment base for unemployment insurance is 2,300 yuan per month.
4. The lower limit of the provident fund shall not be lower than the minimum wage standard of Guangzhou, that is, 2,300 yuan.
Assuming that Yang is an on-the-job employee in Guangzhou, participating in employee social security, and the monthly salary is 8,000 yuan, then according to the corresponding social security payment regulations, Yang's five social insurance and one housing fund payment base is also 8,000 yuan, and the individual only needs to pay three insurances and one housing fund, and the unit pays the provident fund according to the proportion of 6%, then Yang's social security and provident fund payment needs to cost:
Endowment insurance is 8000 8% = 640 yuan, medical insurance is 8000 2% = 160 yuan, and unemployment insurance is 8000 02% = 16 yuan, the provident fund is 8000 6% = 480 yuan, and the total cost is 640 + 160 + 16 + 480 = 1296 yuan.
Can a city not a county medical insurance card be used?
A city is not a county, the medical insurance card can generally be used, but it needs to be determined according to the local medical insurance management regulations, and the construction of the medical insurance network system in some areas is relatively perfect, and the medical insurance system in different counties and districts in a city has reached the network, so it can be used directly;However, in some areas, if you want to use the medical insurance card in different counties in the city, you need to complete the filing of medical treatment in different places before you can directly reimburse the medical insurance expenses in different counties, and the funds in your personal medical insurance account can be used to pay for the part of the medical expenses that you need to bear.
In real life, if the insured person wants to seek medical treatment in different counties of the same city, he can first ask the staff of the medical insurance department in his place of insurance whether he needs to go through the filing and use the medical insurance card correctly in accordance with the local medical insurance management regulations, so as to better enjoy his medical insurance rights and interests and reduce the capital cost of medical treatment.
Who is eligible for the remote filing of medical insurance?
1. The medical insurance non-local filing is applicable to those who live in other places for a long time across provinces, including retirees who are resettled in other places, long-term residents in other places, staff who are resident in other places, and other people who need to work, live and live in other places for a long time.
2. The medical insurance off-site filing is also applicable to the medical personnel who go out temporarily across provinces, including those who are referred from other places, and those who go out for emergency rescue and other cross-provincial temporary outings for work or travel reasons, for example, Xiaojiang is a medical insurance insured in place A, because he went to B on vacation to play, and the journey has a minor accident and needs to be hospitalized, his family can go through the filing of medical treatment in other places, and then use Xiaojiang's medical insurance card to go through the hospitalization procedures, and then settle in the discharge.