Specific requirements:
15: The insured went through the social medical insurance registration formalities for employees in Guangzhou for the first time after 20 14 and 1, but did not go through the social medical insurance registration formalities for employees in Guangzhou before 20 13, 12 and 3 1.
10 year: if the insured has gone through the registration formalities of social medical insurance for employees in Guangzhou before 20131,and paid the fee before 20 14 14 3 1, the employees will receive social medical insurance.
Social medical insurance benefits for employees:
When reaching the statutory retirement age, employees whose cumulative payment period of social medical insurance has reached the prescribed number of years shall, with the approval of the social insurance agency, enjoy the social medical insurance benefits for retirees from the month following the statutory retirement age.
When reaching the statutory retirement age, if the accumulated payment period of employees' social medical insurance has not reached the prescribed period, if it meets the provisions of Article 7, it can be paid to the prescribed period. During the holdover of social medical insurance premiums for employees, employees shall enjoy social medical insurance benefits according to regulations.
The payment period of basic medical insurance for urban flexible employees in this city is calculated as the payment period of social medical insurance for employees.
After demobilization or job-changing, if you are insured in this city and meet the relevant requirements of the state and province, the length of military service will be regarded as the payment period of social medical insurance in this city.
The most useful social security is endowment insurance and medical insurance. Social security payment 15, old-age insurance is valid for life, and you can receive a pension until your death; Social security has been paid for 25 years, and medical insurance is valid for life, and medical insurance can be reimbursed until death; Therefore, social security is generally paid for 25 years (there will be differences in the number of years stipulated in different places). How much does social security cost? How much can I get back? Let me explain it in detail. The answer is a bit long. Please read it patiently. A social security is what we often say: five insurances and one gold. Old-age insurance: the company pays 20% to the social pooling account and 8% to the personal account for you every month. Medical insurance: the company pays you 9% every month, and you pay 2% yourself. In addition, it takes a few dollars to co-ordinate the serious diseases before reimbursement of major diseases can be made. Serious illness shall be paid as a whole according to 1% of the average monthly salary of employees on the workplace, and the capital 3 yuan. Unemployment insurance: the company will pay you 2% every month, paying by itself 1%. The proportion varies slightly according to the workplace. Work-related injury insurance: the company pays you 0.5% every month, so you don't have to pay it yourself. Maternity insurance: the company pays 0.8% for you every month, and the proportion is slightly different in different workplaces. For example, Shanghai Jiao Tong 1%. You don't have to hand it in yourself. Housing accumulation fund: the company can choose how much to pay within the range of 5%- 12%, and the most common is 8%. Individuals pay as much as companies. In other words, if the company wants to pay 8% of the salary, the individual also needs to pay 8%. Of course, in order to reduce the tax burden, some companies will choose the minimum ratio of 5%. Take a look at the watch; The proportion of social security paid by the company for you is 20%+9.5%+0.5%+1%+8% = 39.5%. Based on the salary before tax 1 0,000, the company will pay you 3950 social security fees every month. The social security ratio you need to pay is 8%+2%+0.5%+8%= 18.5%, and you need to pay 1850. That is, 5800 yuan in your monthly social security account, of which nearly 70% will be borne by the company where you work, and you only need to bear 30%. The social security fee paid by the company is more than twice that paid by you. So don't feel bad when you pay social security every month. It's the company that feels bad. In addition to the unit can pay social security for you, those freelancers who have no job but have income can also choose to pay social security themselves, but individuals can only choose to pay pension insurance and medical insurance. The other four items cannot be handed in by individuals. For example, according to 20 18 Shanghai flexible employees' pension and medical standards, they should pay the fees that the company should have paid. If your income is 1 1,000 yuan, you have to pay 2,800 yuan for pension+65,438 yuan for medical care+065,438 yuan+050 = 3,950 yuan. The meat hurts. Now that everyone knows the contribution ratio of companies and individuals receiving social security, another problem has arisen. Everyone's salary actually varies greatly. Some people earn 1 10,000 a month, while others earn 1 10,000 a month. What if they all pay according to this ratio and the difference is too big? To solve this problem, we must understand the concept of "payment base" in the above table. In fact, every province and city will issue a "minimum payment base of social insurance" at the beginning of July every year, which is determined according to the average salary+welfare+various subsidies of employees in the previous year after statistical calculation. For example, as shown in the above figure, the minimum base announced by Shanghai is 4279 yuan, which is defined according to 60% of the average salary in Shanghai. Its significance lies in that the social security unit that has gone through the industrial and commercial registration in Shanghai has to pay at least 4,279× 39.5% =1.690 yuan for its employees every month, and the employees themselves have to pay at least 4,275×18.5% = 790 yuan, so that the minimum social security fee that you and the unit have to pay every month will come out. In other words, even if your salary is only 1000 yuan per month, as long as it is lower than 60% of the average salary in Shanghai, the company must pay social security for you according to the minimum standard of 4279. In addition to the minimum base, there is also the maximum payment base of 2 1396. Even if your monthly income is 65,438+10,000 yuan, the company can only give you 2 1396×39.5%=845 1 yuan at most, and you can only give 21396× 65438+ at most. In other words, the monthly income is100000, and social security can be paid according to the highest standard of 2 1396 at most. The highest standard is defined as three times the average salary in Shanghai. If your salary is not high or low, just between the minimum and maximum payment base, then your social security payment base is your actual salary. For example, in Shanghai, the Social Security Bureau will deduct the total income of your company and individual from the monthly income before tax * * *10000× 39.5+100000×18.5 = 5800 yuan. But there are also some shameless companies. When they go to the social security department to declare your social security contribution base, they may deliberately hide your actual company. For example, your actual salary is 10000, but the company finance will pay you social security according to the minimum base of 4279, and you only need to pay 790 yuan every month. Many people will be very happy because they deduct less and get more money. In fact, you suffered a big loss. Because if you pay according to the income of 10000, the company will pay more than twice what you pay. Now that you have paid less, they have paid less accordingly. They saved you 3950- 1690=2260 yuan. You know, this money will affect your retirement pension, which may be only half that of others. In addition, the provident fund has actually doubled. Don't think that the less social security is deducted, the better just because you are greedy for a little money now. Stupid and naive. Get your paycheck out quickly. If 600 yuan social security is deducted every month, the payment base chosen by the company is almost 600 ÷18.5% = 3,243 yuan. If your salary is significantly higher than this, you must have been secretly mixed with garlic by the company. You can keep the proof of the salary slip and call the human resources and social security bureau of your work unit to tell them that each person has one copy. The company is afraid and may secretly supply you with less money. The following section describes how to collect and use social insurance premiums. 1. How to get old-age insurance? According to the regulations, the old-age insurance must be paid after 15 years, and it can only be enjoyed for life after retirement and paid monthly. Not before retirement 15 years, after retirement, the state will refund 8% of the pension paid in your personal account to you every month, and the company will pay 20%. The country will all be transferred to the large pool of pension funds. /kloc-how much can you get after 0/5 years or even 25 or 30 years? The algorithm is more complicated. Pension collection consists of two accounts, personal account pension+basic account pension. Let's talk about personal accounts first: personal account pension amount = personal account storage amount ÷ personal account pension months. The amount of savings in a personal account is 8% of the money you personally bear every month and accumulate all the year round. The number of months you plan to pay is actually a rough estimate of how many months you can live after retirement. According to the data given by Ministry of Human Resources and Social Security, retirement at 50 is 195 months, retirement at 55 is 170 months, and retirement at 60 is 139 months. This data is a rough average based on the average age of death. Let's talk about the basic account first: the amount of basic pension = (the average salary of employees in the whole province last year+the average monthly salary of employees in the whole province last year × the payment index) ÷2× the payment period × 1% The payment index refers to the ratio of your retirement salary to the average social salary of that year. For example, Lao Li joined social security at the age of 35 with a monthly salary of 3,000, and retired at the age of 60 after 25 years of payment this year. Look at the personal account first: Lao Li's salary for 25 years is 3,000 yuan, so the deposit in his personal account after retirement is 3,000× 8 %×12 months× 25 years = 72,000 yuan. Retire at the age of 60, and pay a total of 139 months. Old Li Can receives 72,000 ÷139 = 517 yuan from his personal account every month. Let's look at the basic account pension: when Lao Li retired, the average salary in the province in 25 years was 2,000 yuan, and the average salary in the previous year was 2,500 yuan. According to the formula, first calculate the payment index =3000÷2000= 1.5, and the monthly pension that Lao Li receives from the basic account = (2500+2500×1.5) ÷ 2× 25×1%= 78/. After Lao Li retires at the age of 60, the monthly pension he can receive is 517+781.25 =1298.25 yuan. As long as Lao Li is alive, he can always receive this 1298.25 yuan every month until his death. And if the average social wage increases every year, Lao Li's pension will also increase. In the past 10 years, the pension has maintained an annual growth rate of about 8%, and the growth rate is considerable. As can be seen from the above example, the pension is definitely overpaid and underpaid. The premium of high-income people is partly distributed to low-income people. Someone wants to ask, what if Lao Li doesn't live to 139 months? In this case, the state will return the pension in the personal account to the family members in one lump sum, but the money paid by the company to basic deposit account can't be recovered, and it will be put in a big pool in basic deposit account to supplement those who live longer than 139 months. 2. How to use medical insurance? Didn't I say that the medical insurance that the unit pays you every month is 9%? Individuals pay about 2% every month plus a few dollars for serious illness. The serious illness of these few dollars will only take care of the serious illness that you spend a lot of money on. And 2% of the money you pay yourself will be transferred to your medical card by the state every month. For example, if your salary is 5,000 yuan, the state will transfer 100 Yuan You to your medical card every month. If you have a cold or fever, you can go to the hospital clinic or go to the pharmacy to get medicine. 9% paid by the company was taken away by the state and put into the medical pooling fund. Simply put, it is for your future hospitalization and reimbursement. According to the national regulations, you began to pay medical insurance in June of October/Kloc-August, so you can directly swipe your card to buy medicine for outpatient service next month, but you can't reimburse it in the hospital until half a year later. How to report it, for example. If Xiao A is hospitalized in Beijing tertiary hospital for surgery, the medication is within the scope of medical insurance, and the hospitalization fee for surgery is 8,000 yuan. When medical insurance is reimbursed, a deductible will be deducted first, that is, the deductible line. If it is less than this deductible, it will not be reported. The deductible varies from place to place. At present, Beijing is 1300. The remaining 6700 yuan can be reimbursed 80% and 5360 yuan can be reimbursed. You need to pay by yourself 1340. Small, this hospitalization, self-funded part 1340+ deductible 1300 =2640 yuan. And this 2640 yuan can also be deducted from your medical insurance card, as long as you have sufficient funds in your card. I only paid 2640 yuan for an 8000 operation. In the past, the problem of expensive medical treatment, because I participated in social security, is no longer a chronic disease. I have to say that this policy of the country is really awesome. Note that medical reimbursement must be paid for 25 years before you can enjoy it for life after retirement. If you retire at the age of 60, you must pay medical insurance at the latest at the age of 35. 3. The types of industrial injury insurance are rarely used. There are not many here only when everyone has an accident at work or after work. Just remind everyone to keep the evidence, such as being hit by a car on the way to work, and then call the police quickly to let the police open an accident appraisal to prove that it was an accident on the way to work. This way, the industrial injury insurance will pay you part of the money. 4. Maternity insurance Maternity insurance is the state's "paid vacation" and "overlord medical care" benefits for pregnant women and sisters. As long as you pay for one year in a row, you can receive maternity allowance, and you can also reimburse the cost of birth check-up and hospitalization. Many people pay money for nothing and don't know how to use it. First of all, maternity allowance can get more money. To put it bluntly, maternity allowance means that during the maternity leave of female employees of the company, the company pays maternity expenses according to the average salary of the unit in the previous year. Maternity allowance = the average monthly salary paid by the employer /30 X maternity leave days. For example, suppose that the company where Xiao M worked last year had an average of 5,000, and Xiao M had a natural delivery. According to national regulations, Xiao M can get 98 days of maternity leave. Xiao M takes 98 days of maternity leave at home and can apply to the company for maternity allowance of 5000÷30 X 98= 16333 yuan. This money, Xiao M can't apply personally, he must apply to the company first, and finally be transferred to the company by social security. If Xiao M's salary is 6000 yuan, which is higher than the average salary of the company, the company must make up the difference 1000÷30 X 98=3266 yuan. In addition, if Xiao M spent 1 1,000 yuan on two pregnancy tests during her pregnancy, and 2,000 yuan on hospitalization for giving birth, the maternity insurance can be fully reimbursed. Boys also pay maternity insurance. Can boys enjoy maternity insurance? If you are a boy, your wife doesn't have a job or her work unit doesn't pay insurance, and you paid maternity insurance for one year when she gave birth, then you can also reimburse maternity insurance. The same is the above example, except that boys can only be reimbursed for pregnancy tests twice (1000+2000), that is, 1500 yuan. As for the maternity allowance for girls who take maternity leave and get money at home, boys should not be wishful thinking. If a girl intends to have a baby, she should find a company to pay maternity insurance for one year in advance, and the baby will earn nothing at home. Unemployment insurance can only be enjoyed after paying for one year. Generally, you can take two months a year, two years and four months, and 24 months for life. For example, if Xiao B started his new job in Shanghai on October 20 17 1 0000, and you were dismissed by the company on October 20 18 1 this year, if the company is based on your salary this year. However, if you fire the company and leave your job before the contract expires, you will not enjoy unemployment insurance even after paying for one year. 6. Housing provident fund This is really important for people who want to buy a house. Even if the company pays you 5% according to the minimum standard and you pay 5% yourself, 1000 yuan will be credited to your own provident fund account every month. After ten years of continuous payment, I also have 96,000 yuan in my account, half of which is given by the company. Who can have the heart to refuse such a good thing! This money can be used for mortgage repayment, down payment, renting and decoration. If you change jobs in the city, you can take it out and put it in your pocket with the resignation certificate. Even if you don't need the money all the time, you can withdraw it all at once when you finally retire. More importantly, you can apply for provident fund loans, and the interest rate is much lower than that of commercial banks. At present, the interest rate of provident fund loans is 3.25%, and the interest rate of commercial loans is 4.9%. Interest rates are 50% lower. If the housing loan is 6,543.8+0,000 yuan, the principal and interest will be repaid in 30 years, if the provident fund loan is used, the monthly repayment will be 4,352.06 yuan, and if the commercial loan is used, the monthly repayment will be 5,307.27 yuan. The monthly payment is less than 955. 1 yuan. It can be said that social security is social welfare covering six major areas of our lives, such as pension, medical care, housing, maternity, unemployment and work injury. The company pays us two thirds, and the state finances subsidize several trillion yuan every year. For most people, they get more money back than they pay. The asymmetry of insurance information is very serious. Read the following strategies carefully before buying insurance, and you can spend tens of thousands of dollars less.