The payment ratio of units and individuals in Nanning City’s five social insurances and one housing fund

The specific proportion of social security is:

Pension insurance: the employer pays 21% for you every month, and you pay 8% yourself;

Medical insurance: The employer pays 9% for you every month, and you pay 2% plus a 10-yuan critical illness plan (the major illness plan mainly covers hospitalization);

Unemployment insurance: The company pays 2% for you every month %, you pay 1% yourself;

Work-related injury insurance: The company pays 0.5% for you every month, and you don’t have to pay a penny yourself;

Maternity insurance: Every month the company pays We pay 0.8% for you every month, and you don’t have to pay a penny yourself;

Housing provident fund: The unit pays 8% for you every month, and you pay 8% yourself

Above, Calculating this, the proportion of social security your employer pays for you every month should be 21%+9%+2%+0.5%+0.8%+8%=41.3%

What you pay for yourself every month The proportion of social security paid should be 8% + 2% + 10 yuan + 1% + 8% = 19% + 10 yuan

Leaving aside the 10 yuan you pay for the moment, the proportion paid by the unit is the same as yours The payment ratio should be 413:190, which means that if

you pay 190 yuan for your social security every month, then your employer will pay 413 yuan into your social security account, and each month

The money added to your social security account every month should be 413+190=603 yuan

So when you can’t see it, the social security fees paid by the unit are actually It’s more than twice as much as you, so don’t feel bad when you pay your social insurance premiums every month

You must know that your employer pays much more than you do, and it is actually your employer that feels distressed.

Speaking of three insurances, one gold and five insurances and one gold, everyone should have seen it here. In fact, the three insurances mentioned in the world

One gold is exactly equal to five Insurance and one fund, but the three insurances and one fund come from the insurance you pay personally (pension + medical care + unemployment + provident fund)

The five insurances and one fund come from the insurance paid by your employer (pension + Medical treatment + unemployment + work injury + maternity + provident fund). Calling three insurances and one fund into five insurances and one fund is actually just a nice thing to say.

In addition to your employer paying social security for you, in fact, people who are unemployed but have income or people who have an employer but their employer does not pay social security can also pay social security themselves. However, individuals can only pay social security. You can pay for pension insurance + medical insurance, work-related injury, maternity, unemployment, provident fund, etc. You can't even pay it personally.

Let’s introduce what is the social insurance payment base

You have just known that the ratio of social insurance paid by the unit every month to the ratio you pay is almost 413:190, then< /p>

Now another question arises: What is the relationship between the social insurance premiums you pay every month and this ratio? How are social insurance premiums

determined?

You may not have noticed that each province and city releases a "minimum social insurance payment base" in early July every year. This base is based on the average salary + benefits + various benefits of employees in the previous year. After statistics and calculations on various subsidies and other miscellaneous expenses, it was determined that the minimum base number announced by Nanjing in July this year was 1,189 yuan. What does this mean? It means that as long as Nanjing is positive

< p>For units that require employees to pay social security, the minimum monthly payment for each employee is 1189×41.3%=491 yuan, and employees must pay at least 1189×19%+ per month

10=236 yuan, so the social security fees you and your employer should pay every month will be calculated.

But now a new problem has emerged. The wages of employees in Nanjing vary greatly. Some people get 1,000 a month, while others can get 10,000. Is it called getting 1,000 and getting 10,000 a month? Do all those with an income of 10,000 pay the same social security fee?

Please note that 1,189 is the lowest base number, and there is a highest base number above 1,189. The highest base number in Nanjing this year seems to be more than 8,000

, I have forgotten the details. Anyway, if your salary is less than 1,189 yuan per month, the employer must also pay you 1,189 yuan per month

189×41.3%= 491 yuan, and you yourself have to pay 1,189 yuan per month. You have to pay at least 1189 × 19% + 10 = 236 yuan per month. This is the significance of 1189 as the minimum payment base for social security: even if you get 1,000 or 800 yuan a month, you still need to pay 1189 yuan per month. The monthly minimum must be paid according to 1189

!

But if your salary is higher than 1189, for example, you get 3,000 yuan a month, then the unit will go to the labor bureau to pay When you pay for insurance (your employer and the social security fees you pay are deducted by the Labor Bureau~) you should say to the Labor Bureau: "Yeah, we have a colleague here

If you earn 3,000 yuan a month, please deduct social insurance premiums according to the standard of 3,000 yuan." Then the Labor Bureau will use 3,000 yuan as the payment base to deduct your employer's and your money. Then it will be paid to your social security account. At this time, your company should pay you 3000×41.3%= 1239 yuan every month, and you personally should pay 3000×19%+ every month. 10=580 yuan

That is to say, if your salary is below 1,189 yuan, then you will pay 1,189 yuan every month; if your salary is above 1,189 yuan, then Every month you pay according to your actual salary, unless your salary is higher than the highest base. If you get 10,000 a month and the highest base is 8,000, you and your unit will pay according to 8000 to pay

Here I want to expose the shameless practices of some companies. These companies may pay you thousands of dollars every month, but they go to the Labor Bureau to declare your base. When you go to the labor bureau, they will not report it according to your actual salary. For example, if you get 3,000 yuan a month, they may tell you that you only get 1,189 yuan, and then the labor bureau will only deduct 1,189 yuan a month. Your 1189×19%+10=236 yuan, I’m afraid you are still happy

You are very happy, because you think the money deducted from you is small, but you actually get more money

Wrong ! If this is the case, your company would be too shameless! Because the company pays more than twice as much as you, so the less you pay, the less they will pay! If based on your actual salary of 3,000 To calculate, they should pay you 3000×41.3%=1239 yuan in social insurance premiums every month. However, if calculated based on 1189, they only pay 1189×41.3%=491 for you every month. Yuan! So in fact you suffered a big loss

! Regular companies will only declare your actual salary to the labor bureau and then deduct the money! Only those companies that do not work

< p>No matter how high your salary is, we will pay you according to the minimum standard!! Don’t think that the less you deduct from your social insurance premiums every month, the better!! Maybe

You have been shamelessly bullied by the company And you are completely unaware!!!

It is very simple to determine the base amount paid by your employer for you: if you deduct 300 yuan in social security every month, then your base amount

It’s almost 300÷19%≈1578 yuan. Check to see if your salary is this amount. If your salary is obviously higher than 1578 yuan, for example

You actually get 3000 or 4000 yuan every month, then You must have been bullied by the company. After being bullied, you can go to the local labor inspection brigade to file a lawsuit against your unit. Generally, one complaint will be accurate, but it is best to bring the evidence (such as salary slips) when you leave your job. Wait) to find someone else

before you file a lawsuit, otherwise you won’t be able to work in the company after you file a lawsuit - -+

It should be noted again that the proportion of social security in different places is different. Same, if you are not in Nanjing, your payment ratio may not be 19%.

But it will definitely not be too different. For example, your base may be 20% or 22%, but it will definitely not be 30% or 40%! So

Although 19% is the proportion in Nanjing, the proportion from other places Students can also use this to roughly calculate their own base

Let’s introduce the specific situation of these social insurance premiums and how to use them

As mentioned before, social insurance = pension insurance + medical care Insurance + work-related injury insurance + maternity insurance + unemployment insurance + housing provident fund

Let’s talk about pension insurance first

This insurance generally has to be paid for 15 years until retirement. Enjoy pensions, so students who want to take pensions

Please be sure to start paying 15 years before your retirement. This is almost the same outside Nanjing

If you If you have paid pension insurance for less than 15 years by the retirement age, then when you retire, the state will return all 8% of the pension deposited in your personal account to you

Then you You may ask, where did the 21% paid to you by your employer go?

Don’t expect the state to hand it over to you. After you retire and take away your personal money, the state will give it to your employer. All the 21% of the money you paid was transferred to the national pension pool, and from now on this money has nothing to do with you anymore

You may say: Damn it ! That’s my money, why don’t you give it to me

Because this is what the country stipulates

When refunding money, only the money that the individual deducted will be refunded to the individual, and the unit will refund it to him All the money paid has contributed to the country - -

Let’s take a look at how your pension is calculated when you retire

The pension algorithm is very complicated, because The country changes the payment base every year. For example: if you are 30 years old now, your current payment base is 3,000 yuan, and if the retirement age is 55, then you must be in You started paying for pension insurance before you were 40 years old

If you start paying for pension insurance now when you are 30 years old, and it will be 25 years until you are 55 years old, then you will definitely be able to enjoy the pension insurance first

, Secondly, if your payment base of 3,000 yuan has become 6,000 yuan in 25 years (I am talking about if), then when you are 55 years old

First of all, you can pay every month Get a basic pension of 6000×20%=1200 yuan, which is given to you by the state. In addition, you have accumulated a lot of money in your personal account in 25 years. Just average it out, (3006000)÷2=4500, then your personal account should have 4500×8% (your personal proportion of pension insurance payment)×25 in the past 25 years year You can get at least 1,200 + 900 = 2,100 yuan in pension every month starting from the age of 18. Of course, the national base is still rising every year.

In this way, in addition to your own 900 yuan every year, you will receive every pension after retirement. If you get more than 1,200 yuan every month, your pension will of course be more and more.

So the more you pay for pension insurance, the better. , the more you pay, the more you will enjoy after retirement. Moreover, after the country adjusts the base every year, you will get more and more money. If you pay 1,000 now, you will get 1,500 in ten years. It's possible

Here we would like to introduce a perverted policy, that is, no matter where you pay social insurance premiums, when you retire you can only go back to your place of residence to enjoy local benefits.

Looking at retirement benefits, if you pay social security in a place with a high base but retire to a place with a low base to enjoy pensions, you will suffer a big loss. Why do you say that? Let me give you an example. , if you worked in Nanjing

when you were young, paid social security for 20 years and then retired, but if your household registration is in Heilongjiang, you must return to Heilongjiang to enjoy your pension

.If your average payment base for 20 years in Nanjing is 3,000 (I'm talking about if), and when you retire, the payment base in Heilongjiang will be 3,000.

The number is only 1,000 (I'm talking about if), then you can only enjoy 1,000 benefits when you retire! This is a big loss! In a word, if you pay social security in a rich place but retire If you go back to a poor place to enjoy social security, you will pay a lot in your life but enjoy very little! If you pay 3,000 yuan, you may only enjoy 1,000 yuan! This is a terrible thing, but there is no way, the country is like this

Policy, so please pay attention to all students who are currently registered in places with low bases such as the West but work in places with high bases such as Beijing or Shanghai to pay

Social Security, you are either in If you pay social security in the west, you should either move your household registration to Beijing or Shanghai before retirement. Otherwise

You are making a huge loss in life

Then you may say, if My household registration is in Nanjing, so why don’t I pay in Heilongjiang for 20 years? I will pay in a place with a low base

, and when I retire, I will return to a place with a high base to enjoy high benefits. Wrong! Do you think Will the Nanjing Municipal Labor Bureau let you enjoy it casually? In this case, Nanjing will find a reason to directly refuse your transfer! Then you will be smart but you will be mistaken: in Heilong

You can’t enjoy it in Jiang, and you can’t enjoy it in Nanjing either!

However, some places have some easing regulations for this situation. For example, Nanjing allows you to start from a low-base pension five years before retirement

Transfer the place back to Nanjing, and then continue to pay Nanjing's high base in Nanjing for 5 years, and then it will allow you to return to Nanjing to enjoy the pension. This policy is estimated to be different in different places. Students who plan to transfer in the future It’s best to go to your local labor bureau now to clarify this issue

to avoid unexpected accidents when you retire!

Let’s talk about medical insurance

< p>The policy of this insurance country is pretty good, and the important thing is that the hospital reimbursement is quite large

As I said before, the monthly medical insurance payment your employer pays for you is 9%, and the monthly medical insurance payment you personally pay is It's about 2% plus 10 yuan

Critical illness plan, this serious illness plan only cares about your hospitalization regardless of anything else, and the state will pay the 11% to your medical insurance account every month

The 2% that belongs to you. If you pay social security according to the minimum base of 1,189 yuan every month, then 1,189×2%=23.78 yuan is the money that the state pays you personally every month. , you can accumulate this money and directly swipe your card to buy medicine or see a clinic, and the remaining 9% will be calculated by the state into the medical overall fund

According to Nanjing regulations , if you started paying for medical insurance in January 2007, you can swipe your card from February 2007

to buy medicine or see an outpatient clinic, and from July 2007 you can pay for hospitalization. Reimbursement is quite complicated. Let me give you an example:

If you were hospitalized on August 1, 2007, you lived in the best third-level hospital in Nanjing. In the hospital, all medicines covered by medical insurance were used during hospitalization. The surgery + hospitalization cost 5,000 yuan. So when reimbursing, the medical insurance center will first deduct 1,000 yuan. This is the starting point< /p>

For the remaining 4,000 yuan, the medical insurance center can reimburse 4,000×86%=3,440 yuan. You only need to pay 4,000×14%=560 yuan.

That’s it, plus The previous starting price was 1,000 yuan. If you spend 5,000 yuan, you only need to pay 1,560 yuan, and this 1,560 yuan can also be deducted from your medical insurance card (if you don’t use that card very often). ), so it actually doesn’t cost you much to be hospitalized

Medical insurance is much more important to us young people than pension insurance. After all, medical treatment and hospitalization are too damn expensive, and this is also true

< p>The most important thing about participating in social insurance

However, Nanjing City stipulates that medical insurance must be paid for 25 years before you can enjoy it for life after retirement, so if you retire at the age of 55, then

You must start paying for medical insurance at the latest when you are 30 years old

Let’s talk about work-related injury insurance

This insurance is generally rarely used in practice, and I don’t have much contact with it. I need to be reminded. What everyone knows is that if something happens to you while you are at work or when you are commuting

to and from get off work, this insurance will be useful

However, in practice, many people have accidents and do not pay attention to preserving evidence, which results in them not being able to enjoy work-related injury insurance. This is a pity.

If you are hit by a car when you are off work, you should call the police as soon as possible to let the police know. The police will come to investigate and record and take photos to collect evidence. After the police handle the case

they will issue you an accident identification certificate or something like that. You can take this to your work unit to request a work-related injury report

If something happens to you and you just let someone run away without looking for witnesses or calling the police, it will generally not be accepted as a work-related injury without evidence

There is also a time limit issue for work-related injuries. If you were injured on July 1, 2007, you must report it to your work unit immediately and bring the evidence and accident appraisal certificate issued by the police

as well as the time after you were injured at work. Submit your medical records for medical treatment or hospitalization to your work unit, and ask your work unit to take these materials for work-related injury identification. Your work unit must send your valid materials to the work-related injury identification center before August 1, 2007. , if it has been more than one month since

your work-related injury, the work-related injury may not be identified. If your employer does not identify it for you,

then you can do it yourself. It is best not to take the materials to the appraisal center for appraisal for more than one month, otherwise it will be very troublesome

Let’s talk about maternity insurance

This is explained with an example. If you I am a girl with a monthly salary of 1,000 yuan. I started paying for maternity insurance on January 1, 2007. The payment base is 1,189. You became pregnant in March 2007 and gave birth to your child at the end of December 2007. , you were discharged from the hospital in January 2008, then you

After you are discharged, you must quickly get your marriage certificate (unmarried children cannot be reimbursed) + only child certificate (generally speaking, those who have two children cannot be reimbursed)

< p>+Medical records+Build a small card examination and all invoices for hospitalization and surgical expenses+Hospitalization list+Discharge summary submit all these materials to the company

If you spent 500 yuan on the examination during pregnancy, give birth to a child It cost 2,000 yuan for hospitalization + surgery. Generally speaking, the company can basically reimburse you within the scope of medical insurance regulations. After reimbursement, the money given to you includes: 500 yuan for examination fee + 2,000 yuan

RMB 1,189 yuan/month × 4 months for hospital surgery + RMB 1,189/month × 4 months = RMB 7,256. RMB 1,189/month , only girls can get it when reimbursing for maternity insurance. The state stipulates that girls must be given 4 months’ average salary when reimbursing for maternity insurance, so if you reimburse for childbirth, not only do you not need to spend money. And you can also earn 4 months’ salary! If your base payment is higher than your salary, for example, if you take 1,000 yuan and pay 1,189,

then you still make money

Maternity insurance You have to pay for it for at least one year before you can enjoy it, so please remember

In addition, there is another problem, boys also pay for maternity insurance~ So can boys enjoy maternity insurance?

If you are a boy , your wife is not working or her workplace does not pay insurance, and it has been more than one year since you paid for maternity insurance when she gave birth to the child, then you can also reimburse for maternity insurance, but based on the previous For example, you can only reimburse RMB 500 for the examination

Examination fee + half of the hospital operation fee of RMB 2,000 = 1,250 yuan. You will not be able to enjoy the subsidy of 1,189 yuan/month x 4 months' salary< /p>

! This can only be enjoyed by girls when they reimburse~

For the same expense, girls can get 7256 yuan for reimbursement, and boys can only get 1250 yuan for reimbursement. This is probably the same. China's rare policy of "discriminating

men" - -+

So, it is better for girls to plan before giving birth and start looking for an employer a year in advance. You can make money from maternity insurance!

And if a boy wants to marry a wife, it is best to marry someone who has already paid maternity insurance for a year when giving birth and the base payment is higher than hers

A girl with a high salary! But it doesn’t matter if she really doesn’t have insurance, you can still reimburse her for maternity insurance, but

You will get 4 months of salary without subsidies, and you will have to reimburse the expenses. I can only get half of it back.

Unemployment insurance

Unemployment insurance also requires you to pay for one year before you can enjoy it. Generally, you will get 2 months after paying for 1 year, and 4 months after paying for 2 years.

Get 24 more months. Here is an example:

If you started paying insurance on January 1, 2007, and you were fired by the company in January 2008, then you can Ask the company to get you unemployment insurance for 2 months

If you pay insurance based on 1189 this year, you can get at least more than 800 yuan in 2 months

Or you started paying insurance on January 1, 2007, and your contract with the company expired in January 2008, and neither of you wants to renew the contract

Then you can also let it go before you leave the company. The company will give you 2 months of unemployment insurance, which is more than 800 yuan.

That is to say, if the contract expires or the company dismisses you, you can ask the company according to the ratio of 2 months of unemployment insurance a year. I'll do it for you

If the company doesn't do it for you, you can sue it.

But if you resign on your own before the contract expires, you will not be able to enjoy unemployment insurance even if you have paid for 1 year.

As long as you resign on your own, let alone pay 1 Even if you pay unemployment insurance for 10 years until you resign, you won't get a penny. The housing provident fund is a good thing

Let’s put it this way, if you pay 200 yuan for the provident fund every month, then the company will also add 200 yuan to your account every month, and you buy a house

< When p>, this was 400 yuan. If you paid 50,000 yuan in your lifetime, then you would have 100,000 yuan in your account. You must not reject this kind of good thing.

< /p>

If you never use this money, it seems that you can withdraw all the money when you finally retire

[Advanced] Various supplementary instructions [5KB]

Let’s talk about the differences from Nanjing. The city does not allow non-payment of medical insurance. In other words, the social insurance center includes pension, medical, unemployment, work-related injuries and maternity. It is collected from the enterprise. The provident fund can be paid or not, because this is under the jurisdiction of the provident fund

Center

The specific social security proportion is:

Endowment insurance: every month for the unit Pay 22% for you, and you pay 8%;

Medical insurance: The company pays 12% for you every month, and you pay 2%;

Unemployment insurance: The company pays 12% every month The company pays 2% for you every month, and you pay 1% yourself;

Work-related injury insurance: The company pays 0.5% for you every month, and you don’t have to pay a penny;

Maternity insurance: The employer pays 0.5% for you every month, and you don’t have to pay a penny;

Housing Provident Fund: The employer pays 7% for you every month, and you pay 7% yourself

Supplementary Housing Provident Fund: The unit pays 8% for you every month, and you pay 8% yourself (this is only available to state-owned enterprises with generally good returns

, and the ratio is determined by the company itself. , generally it is moral for a company to pay a provident fund)

Another thing to mention is the relationship between social security and individual tax adjustment

When paying individual tax adjustment, the individual deduction is That part will be deducted before calculating the taxable base, but one thing to note

The portion of provident fund and supplementary provident fund exceeding 12% (the portion paid by individuals and enterprises) also needs to be included in the taxable base

p>

For example, the provident fund 7% and the supplementary provident fund 8% mentioned above add up to 15%, so the 3% of the personal deduction must be included in the tax payable, and at the same time , although the 3% of the enterprise is not deducted from the individual's salary, it is still included in the taxable base. In other words, the individual has to pay for the individual tax adjustment on this expense.

When it comes to medical insurance, different places have different methods of transferring money into personal accounts.

What I like to talk about is Nanjing’s method of transferring money into personal accounts on a monthly basis, and many places use a yearly method.

Specifically, the medical insurance year is from April 1 of each year to March 31 of the following year. At the same time, the social security payment base changes

on April Determined in early to mid-month.

The Medical Insurance Bureau will withhold one year's personal medical insurance (that is, the 2%) according to each person's social security base and enter it into the personal medical insurance card

account on April 1, but this A problem arose at that time. On April 1, the social security base for that year had not yet been established. The Medical Insurance Bureau could only estimate the current year's personal medical insurance based on the previous year's base. So the difference should be What to do? That is to make up for the undercount or deduct the overpayment on April 1 of the second year

Maybe such a long paragraph may seem troublesome, so let’s give an example For example

A person’s average monthly income in 2004 was 5,000 yuan, his average monthly income in 2005 was 4,000 yuan, and his income in 2006 was 6,000 yuan

On April 1, 2006, the Medical Insurance Bureau gave individuals When the amount was deposited into the account, the Social Security Center had not approved the payment base for 2006 (that is, the average monthly income in 2005), so the Medical Insurance Bureau still used the payment base for 2005 (that is, the 2004

The average monthly income of the year) is used to calculate the personal account amount for the whole year,

That is, 5000*2%*12=1200,

But in fact This person's personal account amount for this year should be

4000*2%*12=960,

Then the extra 240 yuan will be paid on April 1, 2007 time deduction. At the same time, the new year's personal bonus entered into the account on April 1, 2007 is still 960 yuan (actually it should be 6000*2%*12=1440 yuan), and the 480 yuan less will be Updated on April 1, 2008

Back.

So because most people have different payment bases every year, almost everyone’s total account number in March each year is different from the amount of accounts seen in April

Yes, this is what the Medical Insurance Bureau generates when doing annual expense calculations.

There is also a statute of limitations for work-related injuries. If you were injured at work on July 1, 2007, you must report it to the unit immediately and bring the

evidence issued by the police and the accident appraisal certificate and Submit your medical records of medical treatment or hospitalization to your employer after you were injured at work, and ask your employer to take these materials to do a work-related injury appraisal. Your employer must send your valid documents before August 1, 2007. Go to the work-related injury identification center. If it is more than one month from the day when you suffered the work-related injury, the work-related injury may not be identified. If your employer does not go to the work-related injury identification center for you, then

You can take the materials to the appraisal center for appraisal yourself. It is best not to exceed one month, otherwise it will be very troublesome

There is a supplement to this point. There are two ways to report work-related injuries. One is to declare a work injury. , as mentioned above, it is valid within 30 days. There is also a personal declaration, which is valid within one year. However, due to injuries or other reasons, the longer the delay, the less evidence there is.

, if you apply individually, you will also waste a lot of time and energy because you don’t understand the process.

In terms of maternity insurance, for miscarriage, dystocia, multiple births, and premature birth, you can check the link below for details. Although

it is Shanghai’s policy, it is available everywhere. similarity.

There may be differences in policies between Shanghai and Nanjing. The company will never care about reimbursement in this area. Medical insurance is directly linked to pregnant women

During the period of fertility examination, delivery, and hospitalization, everything within the scope of medical insurance is paid by the medical insurance. Of course, self-paid items (such as high-end wards, self-paid drugs, etc.) must still be borne by yourself.

After giving birth to the child, go to the Medical Insurance Bureau to apply for maternity subsidy. The Medical Insurance Bureau will give you 3,000 yuan

For social security, you will be given 3 months of payment base income

If you have a late child, add half a month, and if you have multiple babies, add one more month and a half

If the average monthly salary income in the previous year is greater than the upper limit of the social security payment base, then the social security will only pay The company pays the remaining part of the payment base

For example, if a person's average monthly salary income in the previous year was 10,000, the social security base cap would be 7,392.

Then the monthly income provided by social security is 7392, and the remaining 10000-7392=2608 is paid by the employer.

(Although I think this situation is not easy for the readers in the cloud to encounter=.=.)

In fact, there are two key points:

p>

1. Pay for one year before giving birth

2. Declare the social security payment base normally

So students, especially female students, don’t think that the company gives you It doesn’t matter whether the base number you declare is high or low. You may even feel lucky that your salary will be higher just because the base number is lower. At this point, you will see the problem!

This is why so many female workers would rather stay in places with low wages but full social security claims and then change jobs after giving birth

The reason is that small places don’t like it. For unmarried female employees, maternity insurance is also a great income supplement.

For example, a person’s normal salary is 3,000, but her year-end bonus and other bonus income are included in the social security base declaration.

Then the monthly average may reach 5,000. At this time, During the months when the child is a child, the monthly income is 5,000.

If you don’t use the money all the time, it seems that you can withdraw all the money when you finally retire.

It’s not superficial, it is absolutely possible!

Furthermore, provident fund loans have much lower interest rates than commercial loans, which is also a big benefit.