Taking the minimum social security payment base of 4279 stipulated by Shanghai Human Resources and Social Security Bureau as the original calculation standard, without considering the housing accumulation fund, the monthly salary level is 1 000 yuan, and the actual salary of employees is 8895.57 yuan when the social security payment is irregular. In the case of "social security tax transfer" compliance payment, the employee's salary will be reduced to 84 15 yuan, which is 5.7% lower than the previous after-tax income.
Moreover, the new personal income tax law will be officially implemented on June 65438+ 10/next year, and six special deductions will be made for children's education, continuing education, serious illness medical care, housing loan interest, housing rent and support for the elderly. The final deduction ratio is still unknown.
Therefore, social security tax will have a certain impact on companies and individuals in a short time. For individuals, it is important to remember that it is not cost-effective to stop social security just because you have less money in your hand.
Because the principle of social security payment in China is to pay more and get more, the focus of social security payment lies in three aspects: pension, medical care and provident fund. Simply put:
1. Pension means paying more social security at work and getting better treatment after retirement;
2. Medical insurance is also the most widely used. Can be used for outpatient service and hospitalization. As long as you use the social security card to see a doctor in a designated social security hospital, you can reimburse the expenses of examination, treatment and medicine within the social security scope.
Of course, the deductible line, reimbursement ratio and reimbursement limit of medical insurance reimbursement in different regions are slightly different. At present, the proportion of hospitalization expenses within the basic medical insurance policy for employees and residents ranges from 70% to 90%, and medical insurance can greatly reduce the burden on families;
3. The provident fund is mainly used for housing and can be withdrawn when buying a house. The interest rate of provident fund loans is also lower than that of commercial loans. If you don't buy a house, you can also withdraw it when renting, building and decorating. Even if you don't always take it, you can take it out after retirement.
In summary, social security is still very important. I suggest that you don't lose big because of small things, but treat them rationally.