Here are some rules of social security. Take a look for yourself.
Three insurances are the most basic social insurance; Including endowment insurance, medical insurance and unemployment insurance.
Three insurances belong to social insurance, which is usually called "five insurances and one gold" now. The specific five insurances are: old-age insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; One gold: housing accumulation fund.
Paying three insurances is stipulated by the national social security policy, and any employer should insure employees. As long as you sign a labor contract with your employer, it should insure you.
But these three risks are not paid by your company, but by yourself and your company. According to the wages of employees, the proportion of units and individuals is generally: pension insurance units bear 20%, individuals bear 8%; 6% for medical insurance units and 2% for individuals; The unemployment insurance unit bears 2%, and the individual 1%.
Old-age insurance is mainly to receive pensions after retirement in the future, in case life in old age is bleak.
Medical insurance mainly means that when you are sick and hospitalized, the unit can reimburse about 50% of the expenses, which is also very important. Industrial injury insurance is even more clear.
There are also five insurances and one gold. How can enterprises insure their employees?
About five insurances and one gold:
Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay. It should be noted here that "five risks" are legal, but "one gold" is not.
What is the payment ratio of "five insurances and one gold"?
At present, the contribution ratio of Beijing's old-age insurance is: 20% for the unit (of which17% is included in the overall fund and 3% in the personal account) and 8% for the individual (all included in the personal account); Medical insurance payment ratio: unit10%, individual 2%+3 yuan;
Unemployment insurance payment ratio: unit1.5%, individual 0.5%; Industrial injury insurance determines its industrial injury rate according to the industry scope that the unit is divided into; Maternity insurance payment ratio: unit 0.8%, individuals do not pay.
Provident fund contribution ratio: according to the actual situation of the enterprise, choose the proportion of housing provident fund contribution. However, in principle, the maximum payment shall not exceed 300%10% of the average salary of Beijing employees.
(Overall planning fund means: in the process of the gradual transformation of the old-age insurance system from the state-unit system to the state-society system, the state needs overall planning to solve the problems of unbalanced economic development and aging population.
(1) Establish a social pooling fund based on enterprise contributions; (2) establish individual accounts mainly by employees and enterprises; (3) The government bears the management expenses of the endowment insurance fund. This semi-fund system, which combines social pooling with individual accounts, is conducive to coping with the crisis of population aging in China, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transformation from the enterprise pension insurance system to the individual pension insurance system. )
The payment amount of four insurances and one gold is different in each region, and the base is the total salary. Some enterprises have basic salary and some related subsidies when paying, but some enterprises only pay basic salary when paying, which is against the law. The specific proportion should be consulted with the local labor department.
The withdrawal of old-age insurance, unemployment insurance and medical insurance can only be obtained under the legal permission, and it is issued by the insurance registration department. For example, "old-age insurance can only be obtained when you reach the legal age, and unemployment insurance benefits can also be obtained under conditions. For example, if you go to the street office where your household registration is located and apply for a job permit, it means that you must have the will to apply for a job after you lose your job.
If you don't want to work after losing your job, you can't get insurance money. In addition, pension and unemployment benefits cannot be enjoyed at the same time.
"Do you enjoy insurance during the probation period?
You should also enjoy insurance during the probation period, because the probation period is an integral part of the contract period, and it is not isolated from the contract period. Therefore, you should also be insured during the probation period. In addition, it is a legal obligation for an enterprise to insure its employees, which does not depend on the intention or willingness of the parties concerned, even if the employees say that they do not need to pay insurance, and commercial insurance cannot replace social insurance.
Enjoy the benefits of old-age insurance
Accumulated payment of old-age insurance 15 years or more, and reach the statutory retirement age, you can enjoy old-age insurance benefits:
1, receive the basic pension according to the regulations on a monthly basis until death.
The basic pension is calculated as follows:
Basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the year before retirement × 20% (the payment period is less than 15 years15%)+personal account principal and interest and ÷120+indexed monthly average payment salary ×1.
2. Death treatment. (1) Funeral expenses (2) One-time pension expenses (3) Subsidies for immediate family members who meet the support conditions will be paid monthly until the immediate family members who support them die.
Note: Old-age insurance should be paid continuously as far as possible. According to the relevant documents, if an enterprise or the insured pays the basic old-age insurance premium intermittently (except those who are unemployed during the period of receiving unemployment insurance benefits or who do not pay according to relevant regulations), the insured meets the pension conditions stipulated by the state. When calculating the basic pension, the calculation base of its basic pension, According to the cumulative intermittent payment time, it is pushed forward year by year to the average salary of employees in this city in the previous year of the corresponding year (the cumulative intermittent payment time is calculated as an intermittent payment year every full 12 months, and the dissatisfaction 12 months is not calculated).
For example:
If you retire in 2020, your basic pension is normally 20 19 years' social average wage × 20%, but if your pension insurance is interrupted for 30 months before retirement, it will be interrupted for 2.5 years. According to two years, your basic pension is 20 17 years' social average wage × 20%.
Enjoy the treatment of medical insurance
1, outpatient and emergency medical expenses
In-service employees' medical expenses within the year (1 month 1 day-1February 3 1 day) that meet the scope of basic medical insurance have accumulated more than 2,000 yuan;
2. Settlement ratio:
During the contract period, 50% of the dispatched personnel will be reimbursed for more than 2,000 yuan, and 50% will be paid by the individual;
In a year, the maximum amount of accumulated reimbursement for dispatched personnel for outpatient and emergency services is 20,000 yuan.
3, the insured should be properly kept in the designated hospital outpatient medical documents (including large part of the receipt, prescription, etc.), as a medical expense reimbursement certificate;
4. Outpatient treatment for three kinds of special diseases: When the insured person needs to take anti-rejection drugs after radiotherapy and chemotherapy for malignant tumor, renal dialysis and kidney transplantation, the second-and third-level designated hospitals where the insured person goes to see a doctor will issue a "disease diagnosis certificate", fill in the "Application and Approval Form for Special Diseases of Beijing Medical Insurance" and report it to the district medical insurance center for approval and filing. Outpatient treatment and drug collection for these three special diseases are limited to designated hospitals approved for treatment, and cannot be purchased at designated retail pharmacies. The medical expenses incurred meet the prescribed scope of outpatient special diseases, and shall be settled with reference to hospitalization;
5. Hospitalization
● Hospitalization deposit: When the insured meets the hospitalization conditions, the hospital will collect part of the deposit of the insured, and the amount of the deposit will be determined by the hospital according to the condition. If the dispatched personnel unit and the insured fail to pay the medical insurance premium in full and on time, the hospitalization deposit shall be paid in full by the dispatched personnel;
● Settlement period: every 90 days for hospitalization of insured persons is a settlement period; if it does not exceed 90 days, each hospitalization is a settlement period;
● The medical expenses incurred by patients with malignant tumor who take anti-rejection drugs after outpatient radiotherapy and chemotherapy, renal dialysis and kidney transplantation, and patients with mental illness who need to be hospitalized all the year round shall be settled every 360 days;
● The medical expenses incurred by the insured in the family sickbed treatment at the designated community health service center (station) shall be settled every 90 days;
● When the insured is discharged from the hospital or at the end of the stage of treatment, it is necessary for the dispatched personnel to settle with the hospital the expenses that should be paid by the dispatched personnel at their own expense and self-paid, and the medical expenses that should be paid by the basic medical insurance pooling fund and large medical mutual aid funds should be reported by the hospital to the medical insurance center for review and settlement;
● When the insured person is hospitalized, the settlement of medical expenses within the scope stipulated by the basic medical insurance shall be set, and the deductible line and the maximum payment amount of the basic medical pooling fund shall be set;
● The first hospitalization of the deductible line is 1300 yuan, and the later hospitalization is 650 yuan, and the maximum payment limit is 50,000 yuan; Mutual assistance of large medical expenses that exceed the maximum payment limit (excluding the part below the minimum threshold and the personal burden of the dispatched personnel)
70% of the funds are paid, and 30% of the dispatched personnel are personally responsible. The maximum payment in one year is100000 yuan. The settlement standard of hospitalization expenses shall be calculated by stages and paid cumulatively according to the level of the hospital and the amount of expenses in a settlement period.
(When the proportions are adjusted, the new standards shall apply.)
Attention: medical insurance is exempt from liability for non-public traffic accidents!
Unemployment insurance enjoys treatment.
Unemployment insurance has been paid continuously for more than one year, and the files are returned to the street. You can enjoy unemployment insurance benefits in the street.
1.Unemployment insurance: refers to the basic living expenses paid by the unemployment insurance agency to eligible unemployed people according to regulations, which is the most important unemployment insurance benefits. Unemployment insurance benefits is implemented according to relevant documents of Beijing;
2. Medical subsidy during the period of receiving unemployment insurance benefits: refers to the subsidy paid to the unemployed for medical expenses incurred during the period of receiving unemployment insurance benefits. According to the relevant policies and regulations of Beijing;
3. Funeral subsidies for unemployed people who died during the period of receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members shall be implemented in accordance with relevant regulations.
Industrial injury insurance enjoys treatment.
If an accident happens unfortunately during the contract period, it is necessary to ask the enterprise for a description of the situation and affix the official seal of the enterprise, and apply for work-related injury identification as soon as possible (preferably within three working days) and provide the following materials:
1, diagnosis of initial treatment or medical records of hospitalization;
2. Occupational disease diagnosis certificate (one original and one copy each);
3. For traffic accidents, the accident award of the traffic brigade or the traffic accident certificate of the traffic department shall be provided;
4. Copy of ID card;
5. Original labor contract within the validity period
Maternity insurance enjoys treatment.
Maternity-related expenses can be reimbursed.
The scope of reimbursement includes maternity allowance, maternity medical expenses, medical expenses for family planning operation, and other maternity-related expenses stipulated by the state and this Municipality.
Maternity allowance is calculated according to the payment base of the month when the female employee gives birth, divided by 30 and multiplied by the number of days of maternity leave. Maternity allowance is the salary of female employees during maternity leave. If the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise.
.
Maternity medical expenses include medical examination expenses, delivery expenses, operation expenses, hospitalization expenses and medicine expenses incurred by female workers due to pregnancy and childbirth.
The medical expenses of family planning operation include the medical expenses incurred by employees due to family planning.
Now, it is required that the medical insurance payment is 20 years, and the pension payment is 15 years before you are eligible for pension and medical insurance reimbursement after retirement.
First of all, if you go to work in a place other than your registered permanent residence, for example, your original registered permanent residence is in Beijing, but you go to work in Shenzhen. No matter whether your registered permanent residence is transferred to Shenzhen or not, in case you don't work in Shenzhen in the future, it is very problematic whether you can transfer the five insurances and one gold paid in Shenzhen! Because at present, there is no internet connection in the whole country, but only in Beijing. That is to say, if you used to work in a company in Beijing and jumped to work in another company in Beijing a few years later, there is no problem with five insurances and one gold. However, if you jump from other provinces and cities, it will be very troublesome when you transfer.
Three of the five risks mentioned above are paid by both enterprises and individuals. This means, for example, for old-age insurance. For example, if your salary is 2,000 yuan, then you have to pay 8% for the individual and15% for the company (the above data are all hypothetical). All the money is deposited in one of your accounts, and you can only withdraw it when you can enjoy old-age insurance (see details)
All enterprises and individuals pay the same amount, and so does the housing provident fund. For example, if you pay 500 units to you every month 1000, if you change jobs and the money can't be transferred, then you will pay 500 yuan every month for nothing, and you can't take it out-because you don't meet the conditions for enjoying the housing provident fund, you can only take it out when you buy a house.
Then someone may ask, if I don't plan to develop in the city where I just started working for a lifetime, can I not pay for the five insurances and one gold in order to prevent it from being transferred in the future? The answer isno. At least the part of the three insurances is compulsory by the state, so it is quite helpless. In addition, the base of the five insurances and one gold is the question of which part of your salary is multiplied by that percentage. Well, let's first look at the composition of wages, basic salary+various benefits+bonuses. Many enterprises only pay five insurances and one gold according to the basic salary. Because if it is calculated according to three parts, You have more money personally, but the company gives you more money (the five insurances and one gold paid by both enterprises and individuals are paid by individuals to the small-headed units.) Therefore, in order to save money for themselves, many enterprises have to pay less for the welfare part, which is very tricky, so you must ask when signing contracts in the future!
As I said before, the housing accumulation fund is also paid by both enterprises and individuals. However, the part paid by enterprises will be yours sooner or later (as long as you buy a house in the future, you can take it out at one time). For example, if you pay 500 per month in proportion, the unit may post 1000 to you, although before you buy a house, This 1500 can't be taken out. But theoretically, that 1000 is also for you. Then some enterprises will count that 1000 as your welfare. In fact, it shouldn't be counted! ! ! ! Because that 1000 is false, you can't get it out when you don't buy a house. So when you sign it, you should ask whether this welfare includes housing provident fund, be careful!
Social insurance processing flow
All kinds of enterprises (including state-owned enterprises, collectively-owned enterprises, joint-stock enterprises, joint-stock cooperative enterprises, foreign-invested enterprises, private enterprises, etc.) and institutions with enterprise management (employees' wages and retirement benefits are implemented according to enterprise standards) should go to the tax payment place (non-tax-paying units are located in the unit address area) according to the principle of territorial management.
The social insurance agency under its jurisdiction shall handle the registration formalities of social endowment insurance. The newly established unit shall enter the registration formalities within 1 month from the date of approval of the establishment of the unit. Insured units must handle social insurance procedures for all personnel (except retirees employed) who have factual labor relations with them.
I. Forms to be filled in and attached materials:
1, social insurance registration form and list of changes in on-the-job employees (in duplicate) and collect them from the social insurance agencies under their jurisdiction.
Relevant documents are as follows:
(1) enterprise business license (copy) or other certificates of approval for practice or establishment;
(2) Organization code certificate of the People's Republic of China;
(3) Local tax registration certificate;
(4) If the relevant documents can't clearly identify the nature of the company, the private enterprise should submit relevant materials that can prove its private nature (such as the certificate of the industrial and commercial department, the national tax registration certificate, the capital verification report, etc.).
(5) The institution shall attach the approval of the relevant documents on the establishment of the institution.
(6) The resident office shall attach the letter of authorization from the head office or head office.
Attached information: a copy of the identity card of the newly insured employee (the employee whose household registration is not in this city should also provide a copy of the household registration or temporary residence permit).
The original and photocopy of the above documents are required at the same time, and they should be handled at the social security agency where they are located.
Second, the form description:
1, social insurance registration form
"Tax number": the column number of "tax word such as 420 103748300492" in the tax registration certificate.
"Industrial and Commercial Registration License Information": Units (such as various enterprises) that need industrial and commercial registration and obtain industrial and commercial licenses should fill in this column, and do not fill in the column of "Approved Establishment Information".
"Information on approval of establishment": units (such as institutions, institutions, social organizations, etc.) established without industrial and commercial registration should fill in this column, and the column "Information on industrial and commercial registration license" should not be filled in.
"Payer": fill in the contact person who is responsible for this work in the social insurance unit, his department and telephone number.
"Company Type" and "Affiliation": according to the company type and affiliation of the insured company, fill in the corresponding code in "Description" at the bottom of the comparison table.
"Opening bank": the clearing bank number of the opening bank must be filled in.
2. List of changes in on-the-job employees:
Name, gender, date of birth and personal account (ID number): all should be filled in strictly according to the information in the ID card.
"Personal number": the person who renewed insurance or transferred in should provide his original personal number, and fill in this column. The "newly added" personnel will not fill in this column at the time of declaration, and their personal numbers will be entered into the microcomputer for generation.
(1) "Add": the original uninsured person is a new type, and the insured person cannot be added.
(2) "renewal": those who have participated in social security, stopped insurance or transferred to the mobile window for insurance, and now continue to receive insurance from a new unit belong to renewal. Those who apply for insurance in the mobile window need to pay off the arrears and go through the formalities of stopping insurance in the mobile window before reporting this form.
(3) "Transfer-in": here refers to the transfer of the insured persons among the insured units in this city.
(4) "Transfer-in from outside the city": Such personnel need to go to the municipal fund settlement center to handle their transfer-in fund settlement and "transfer-in from outside the city" transaction after the account opening formalities of the unit are completed.
"Monthly Payment Wage": The form shall be filled out and reported according to the average monthly wage of the employees in the previous year. This year's new recruits, according to the actual payment of the total monthly salary (but not less than 586 yuan).
Proportion table of enterprise and individual contributions:
Migrant workers in state-owned and collective enterprises, foreign-funded enterprises and private enterprises
Unit pay individual pay unit pay individual pay unit pay individual pay.
Endowment insurance 22% 7% 20% 7% 13% 7%
Note: It shall be handled at the social insurance agency under its jurisdiction before 20th of each month.
Housing provident fund is handled as follows:
First, the registration procedures for housing provident fund deposit are as follows:
(1) Go to the fund management center of the local finance bureau for deposit registration, fill in the Registration Form for Housing Provident Fund Deposit, and the fund management center will review the applicant and designate the housing provident fund handling bank as required.
(2) Relevant documents to be attached for the registration of housing provident fund deposit: 1, copy and photocopy of business license of the enterprise, and original and photocopy of approval for the establishment of administrative institutions and other institutions; 2. Original and photocopy of the legal person code certificate; 3. Original and photocopy of the national tax registration certificate.
(3) This form is in quadruplicate, and two copies are kept after the registration form is approved by the Fund Management Center of Wuhan Housing Reform Commission; The unit shall send a copy of the designated provident fund to the bank, and set up the unit account and employee individual account of the housing provident fund with this form; After the establishment of the provident fund account, a monthly employee housing provident fund deposit form and remittance form will be submitted to the provident fund handling bank.
Two, the unit for the newly hired or newly transferred workers housing provident fund deposit, the formalities are as follows:
Newly hired employees or newly transferred and transferred employees shall go through the procedures for establishing employee housing provident fund accounts at the entrusted bank within 30 days of their use, and at the same time handle account transfer for employees who have established individual housing provident fund accounts.
Three, the approved housing provident fund deposit ratio is as follows:
Pay by 10% of the total monthly salary of employees. (The unit part shall be paid by 5%, and the individual part of the employee shall be paid by 5%. )
Four, housing provident fund deposit unit name, address changes, the formalities are as follows:
Where the name and address of the unit are changed, the original unit shall, within 30 days from the date of change, go to the fund management center of the Municipal Housing Reform Commission for registration of change, and go through the relevant formalities at the entrusted bank with the Registration Form for Change of Unit Housing Provident Fund Deposit audited by the fund management center of the Municipal Housing Reform Commission.
Five, the housing provident fund deposit unit revocation, bankruptcy or dissolution, the formalities are as follows:
If a unit is revoked, bankrupt or dissolved, it shall, within 30 days from the date of the above-mentioned situation, hold relevant supporting documents, and the original unit or liquidation organization shall go to the fund management center of the Municipal Housing Reform Commission for cancellation of registration, and within 20 days from the date of completing the cancellation of registration, hold the Registration Form for Cancellation of Unit Housing Provident Fund Account audited by the fund management center of the Municipal Housing Reform Commission, and go to the entrusted bank for the transfer or centralized storage of housing provident fund account for its employees.
The relevant procedures for unemployment insurance are as follows:
A company newly insured with unemployment insurance shall go through the unemployment registration formalities in the unemployment insurance management office under its jurisdiction; If the unit that makes the change needs to go through the formalities of transferring the unemployment insurance relationship in the unemployment insurance management office under the jurisdiction of the original unit; Then take the unemployment insurance management office under the jurisdiction of the current unit to register and go through the formalities, and affix the seal of the unemployment office under the jurisdiction of the current unit, and then get the stamp of the unemployment office under the jurisdiction of the original unit; Finally, take this matter to the unemployment office under the jurisdiction of the current unit.
I. Forms to be filled in and attached materials:
1, obtained from the unemployment office: unemployment insurance registration form, monthly payment base declaration (change) form of the payer and the roster of employees paying unemployment insurance (in quadruplicate).
Relevant documents are as follows:
(1) business license (copy) and its photocopy;
(2) Organization code certificate and photocopy of the People's Republic of China;
(3) Local tax registration certificate and its copy;
(4) financial statements and payroll;
(5) a copy of the floppy disk (make a roster of employees who pay unemployment insurance) is copied to the unemployment office for record;
Two, the unemployment insurance deposit ratio is as follows:
3% of the total monthly wages of employees. (2% for the unit and 1% for the individual employees. )