Jiangsu province social security payment standard:
Endowment insurance:
Individuals pay 8%, and units pay16%; Accumulated payment 15 years, after retirement (male 60 years old, female 55 years old) enjoy pension for life, which can be interrupted basically without any influence; Lump sum payment is not supported. When the retirement age is lower than 15, it can only be paid for another 5 years. Individuals can pay endowment insurance, but the company has no cost-effective payment method. Generally speaking, the higher the payment base, the longer the payment period, the more pensions you will receive.
Medical insurance:
Individuals pay 2%, units pay 9% for medical reimbursement, and more than 50% of people will enjoy medical insurance benefits after retirement. If the interruption exceeds 3 months, the medical insurance payment will be invalid.
Medical insurance payment 12 months, available one year after payment.
unemployment insurance
Individuals pay 0.5%, and units pay 0.5% as 1 year. After unemployment, they receive unemployment insurance benefits according to the payment period. Those who voluntarily resign can't get it, and individuals can't pay it.
If the payment has been made for 1-4 years, the collection period will be increased by 1 month for each payment, and the maximum collection period will be 4 months; If the payment has been made for more than 4 years, the collection period of 1 month will be increased every six months, and the longest collection period is 24 months.
If you register unemployment and have a job requirement within 60 days after unemployment, you will receive it. There is no limit to the number of times you receive unemployment benefits.
employment injury insurance
If the individual pays 0, the unit pays 0.2- 1.4% of the medical expenses incurred during work and on the way to and from work. These expenses are regarded as work-related injuries and cannot be paid by the individual.
maternity insurance
Individuals pay 0, and units pay 0.8%; After giving birth to a child, the information will be reported to the company and the related expenses will be reimbursed. Individuals cannot pay maternity allowance. From 1 day after the payment is cut off, both men and women will stop enjoying maternity insurance benefits. After the interruption, they will continue to pay maternity insurance for a certain period of time (usually 1 year), and they can enjoy maternity insurance in the last month.
Maternity allowance = average monthly salary of employees in the previous year: 30x maternity leave days.
[Note]
Male maternity insurance can also be given to lovers.
(1) is used to reimburse medical expenses for production, but not for maternity allowance.
(2) During maternity leave, maternity pay and maternity allowance can only be one of them, and maternity allowance is higher than maternity pay, so the employer needs to pay the difference to employees.
housing accumulation fund
Individuals pay 5- 12%, and units pay 5- 12%. You can use the housing provident fund when buying a house, building a house, renting a house or decorating it. The interest on the house loan is so low that they can't receive the loan during the suspension of payment. The interest rate of provident fund loans to buy a house is low, usually 14 times the balance of provident fund loans, but you can't apply for repayment. Provident fund loans have a maximum limit, which is different in every city.
The annual interest of the provident fund in July 1 every year, unless it is a house loan, will not have much impact.