1. What is the minimum social security payment base in Qingdao?
The lower limit of the payment base for employees of social security enterprises in Qingdao is 3269 yuan. The payment ratio of social insurance is:
1, old-age insurance: unit contribution ratio 16%, individual contribution ratio 8%;
2. Medical insurance: 8.5% for the unit and 2% for the individual.
3. Unemployment insurance: the unit pays 0.7% and the individual pays 0.3%;
4. Work-related injury insurance: it is divided into eight categories according to industry categories, namely 0.05%, 0. 1%, 0. 18% and 0.23% respectively.
, 0.28%, 0.33%, 0.4%, 0.48%, individual employees do not pay;
5, maternity insurance fund into the employee medical insurance fund, no longer separate collection of maternity insurance.
2. What are the types of social insurance?
1, endowment insurance
Old-age insurance is a social insurance system in which workers get some financial compensation, material help and services from the government and society after reaching the statutory retirement age. State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, institutions that implement enterprise management and their employees must participate in the basic old-age insurance.
The new participating units (referring to all kinds of enterprises) have a unit payment rate of 10% and an individual payment rate of 8%. Individual industrial and commercial households and their employees, flexible employees and other types of personnel who participate in the insurance in the form of individuals have different rates according to the payment period. Individual workers who participate in the basic old-age insurance, the payment base can be high or low within the prescribed scope, and more benefits can be gained from more contributions. To receive a monthly pension, employees must reach the statutory retirement age and have gone through retirement procedures; The unit and individual have participated in the endowment insurance according to law and fulfilled the obligation to pay the endowment insurance; Individual contributions should be at least 15 years.
2. Medical insurance
The basic medical insurance system for urban workers is a social security system to ensure the basic medical needs of workers based on the affordability of finance, enterprises and individuals.
All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc.), organs, institutions, social organizations, private non-enterprise units and their employees, must participate in the basic medical insurance. The basic medical insurance fund for urban employees consists of the basic medical insurance social pooling fund and individual accounts.
The basic medical insurance premium consists of the employer and the employee's personal account. The basic medical insurance premium is paid by both the employer and the employee, in which: the employer pays 8% and the individual pays 2%. Part of the medical insurance premium paid by the employer is used to establish the basic medical insurance social pooling fund, which is mainly used to pay for the hospitalization and special chronic disease outpatient service, rescue and first aid of the insured employees.
Personal account funds are mainly used to pay the insured's expenses for medical treatment and drug purchase in designated medical institutions and retail pharmacies. The part of personal account funds used up or insufficient is paid by the insured in cash, and the personal account can be carried forward and inherited according to law. Insured employees are hospitalized due to illness, first pay the hospitalization deductible, and then enter the overall fund and individual employees to pay for the period.
3. Work injury insurance
Industrial injury insurance is also called occupational injury insurance. The state and society shall provide necessary material assistance to the injured, disabled and dependent relatives of the deceased after the workers are accidentally injured due to work reasons or occupational diseases caused by exposure to occupational hazards such as dust, radiation and toxic substances.
The work-related injury insurance premium is paid by the employer, and the collection rate of work-related injury insurance premium for industries with high incidence of work-related injuries is higher than the general standard. On the one hand, it is to ensure that the work-related injury insurance fund can fully pay the work-related injury insurance benefits for workers in these industries. On the other hand, through high-rate collection, enterprises have a sense of risk and strengthen work-related injury prevention to reduce the casualty rate.
4. Unemployment insurance
Unemployment insurance is a system that is enforced by the state through legislation, and funds are established by the society to provide material assistance to workers who have temporarily interrupted their sources of livelihood due to unemployment.
5. Maternity insurance
Maternity insurance is aimed at the physiological characteristics of childbearing behavior. According to the law, when working women temporarily suspend their work and lose their normal income due to childbirth, they are provided with material help by the state or society. Maternity insurance benefits include maternity allowance and maternity medical service.
The maternity insurance fund consists of the maternity insurance premium paid by the employer, its interest and overdue fine. Maternity allowance for female employees during maternity leave, medical expenses incurred during childbirth, family planning operation expenses for employees and other expenses related to maternity insurance stipulated by the state should all be paid from maternity insurance fund.
In recent years, the social security payment base has been constantly adjusted, and the general trend is that the social security payment base is getting higher and higher, because the social security payment base itself is determined according to the average monthly salary income of employees in the previous year, but my social security payment base is calculated according to the personal salary income.