One gold: housing accumulation fund (used when buying a house for mortgage)
Suppose your social security base is 2000 (this base is based on your company, you can ask the personnel department of your company, and the payment ratio is uniform). Now take Beijing's payment ratio as an example.
[Edit this paragraph] 1, endowment insurance
The individual contribution rate is 8%, and the company contribution rate is 20%, in which the monthly deposit of individual account =(8%+3%)*2000=220 yuan.
The remaining 17% paid by the company is used as the social pooling fund. Before you meet the conditions for receiving a pension, it can be temporarily understood that the overall fund has been distributed to the elderly now.
Pension conditions:
Men over 60 years old; Women over 50 years old
Worked before July and paid social insurance 1, 1998, and the payment period has accumulated to 10 years.
After 1 June 65438+July1,he joined the work and paid social insurance, and the accumulated payment period exceeded 15.
Special attention: "Cumulative", if the company you have been to fails to pay you half, your insurance will be cut off, so what you paid before will not be counted, and you can only use it if you pay it again until the cumulative year 15. If you resign one day, you should also let the local talent center pay for it by itself, ensuring a total of 15 years.
Number of pensions received
I think this is also your biggest concern, for example.
Male employee, currently 25 years old. He joined social insurance in 2000 and retired at the age of 60.
Suppose that in 2035, employees have paid social security for 35 years, and the payment base is 2000 yuan; During the period, the company * * * paid 16800 yuan, and the individual * * * paid 67200 yuan; Personal account is 92400 yuan.
In 2004, the average monthly salary of employees nationwide was 1022 yuan; Suppose that the average monthly salary of employees in 2030 is 5000 yuan.
The employee's monthly pension is ①+②= 1770 yuan.
① Basic pension: 5000 yuan ×20%= 1000 yuan.
② Personal account pension: 92,400120 = 770 yuan.
This example is applicable to people who joined the work after 1 July 19981. You can refer to this example to work out your own figures.
[Edit this paragraph] 2. medical insurance
Personal part: 2%+3 yuan; Company part: 10%
Personal account (that is, your medical passbook) monthly: (2%+0.8%)*2000=56 yuan.
The rest is the overall fund, which is handed over to the society and distributed by the state.
Enjoy medical insurance protection:
Medical expenses incurred in other provinces and cities cannot enjoy medical insurance.
Employees who joined the work before April 20065438 1 and retired after March 3, 20065438 1 must have paid the basic medical service for 25 years for men and 20 years for women (including the continuous service stipulated by the state and the actual pension insurance service before April 200654381).
The insured after March 3, 20061day shall be calculated according to the actual payment. If the retirement period is less than the prescribed period, the balance of personal account will be returned to me, but I will not enjoy basic medical treatment.
[Edit this paragraph] 3. unemployment insurance
0.5% of individual contributions; Company pays 1.5%.
No matter the personal part or the company part, it is not included in the personal account and turned over to the state.
Pay special attention to migrant workers not paying unemployment insurance.
Get unemployment insurance: you should be more concerned about this, but after reading the introduction, it is estimated that your heart is full. ......
Continuous payment 1 year but less than 2 years, receive unemployment benefits for 3 months.
Those who have paid for more than 2 years and less than 3 years continuously will receive unemployment benefits for 6 months.
Pay for more than 3 years and less than 4 years, and receive unemployment benefits for 9 months.
Pay for more than 4 years and less than 5 years continuously, and receive unemployment benefits 12 months.
If the payment has been made continuously for more than 5 years, the unemployment benefit will be paid to 1 month every full year, but the longest period will not exceed 24 months.
If the unemployed are unemployed again after receiving unemployment benefits, the payment time will be recalculated!
Special note: at present, the aid is very small, only a few hundred dollars a month. According to the above years, you can get 24 months at the longest, and you must ensure that you pay unemployment insurance for more than 5 years. A series of procedures such as applying for unemployment benefits are not enough! So try not to lose your job.
Please see below:
Number of unemployment insurance payments
If the accumulated payment time is less than 5 years, the monthly payment standard of unemployment insurance is 382 yuan;
If the accumulated payment time is less than 5 years 10 year, the monthly payment standard of unemployment insurance is 409 yuan;
If the accumulated payment time is over 10 years and less than 15 years, the monthly payment standard of unemployment insurance is 436 yuan;
If the accumulated payment time is over 15 but less than 20 years, the monthly payment standard of unemployment insurance is 463 yuan;
If the accumulated payment time is over 20 years, the monthly payment standard of unemployment insurance is 49 1 yuan.
[Edit this paragraph] Housing accumulation fund
Individuals pay 8% of the salary base and units pay 8% of the salary base. Individual purchase, construction, renovation and overhaul of owner-occupied housing; Retirement, complete loss of working ability, and termination of labor relations with the unit; Cities and counties where the registered permanent residence has moved out or settled abroad; Repay the principal and interest of the house purchase loan; If the rent exceeds the specified proportion of family wage income, you can withdraw the housing provident fund. The salary base paid by individuals for housing provident fund is the average salary of last month, including overtime pay and other wage income.