According to the monthly salary of 2600 yuan, how much social security does jurong city enterprises pay to each employee every year?

The specific proportion of social security is: endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself; Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major illness co-ordination mainly covers hospitalization); Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%; Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself; Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay a penny yourself; Housing accumulation fund: the unit pays you 8% every month, and you pay 8% more yourself. Therefore, the monthly social security contribution of the company should be 21%+9%+2%+0.5%+0.8%+8% = 41.3%, and the monthly social security contribution of the company should be 8%+2%+10+/kloc. The ratio paid by the company and that paid by you should be 4 13: 190, which means that if you pay 190 yuan social security for you every month, the company will put 4 13 yuan into your social security account. The money added to your social security account every month should be 4 13+ 190 = 603 yuan, so the social security fee paid by the company is actually more than twice as much as yours when you can't see it, so don't feel bad when you pay the social security fee every month ~ You should know that the company pays much more than you, and it is actually the company that feels bad. Back to three insurances and one gold and five insurances and one gold, everyone should have seen it here. In fact, the three insurances and one gold mentioned in Jianghu are completely equal to five insurances and one gold, except that the three insurances and one gold come from the insurance paid by you personally (pension+medical care+unemployment+provident fund), and the five insurances and one gold come from the insurance paid by your company (pension+medical care+unemployment+work injury+maternity+provident fund). Just say that three insurances and one gold are five insurances and one gold. In addition to the company can pay you social security, in fact, people who don't have a job but have income, or people who have a company but don't pay social security can also pay social security themselves, but individuals can only pay endowment insurance+medical insurance, work injury, maternity, unemployment and provident fund, which you can't pay personally. Let me first introduce what is the social insurance payment base. Just now, we all know that the social insurance payment ratio paid by the company every month is almost 4 13: 190, so now there is another question: What is the relationship between the social insurance premium paid by the company every month and this ratio? How is the social insurance premium determined? You may not have noticed that every province and city issues a "minimum payment base for social insurance" at the beginning of July every year. This base is based on the average salary of employees+welfare+various subsidies in the previous year, which is determined after statistical calculation. The minimum base number announced by Nanjing in July this year is 1 189 yuan. What does this mean? It means that as long as Nanjing is a regular organization that pays social insurance for employees, the minimum monthly payment for each employee is1189× 41.3% = 491yuan, and the employees must at least pay189×19%+. But now there is a new problem. The wages of employees in Nanjing vary greatly. Some people earn 1000 a month, while others earn 10000 a month. Does it mean that people who get 1000 pay the same social security fee as those who get 10000? Please note that this 1 189 is the lowest radix, and there is a highest radix above 1 189. Nanjing's highest base this year seems to be more than 8,000. I forgot the details, too Anyway, if your salary is below 1 189 yuan per month, the company must also pay189 yuan +089 × 4 1.3% = 49 1 yuan, and you must pay at least/kloc-0 per month. This is the significance of 1 189 as the minimum payment base of social security: even if you get 1000 or 800 yuan a month, you have to pay the minimum amount of 1 189 every month! However, if your salary is higher than 1 189, for example, you get 3,000 yuan a month, then when your company goes to the labor bureau to pay insurance for you (the social security fee paid by your company has been deducted by the labor bureau), you should say to the labor bureau, "Yes, we have a comrade here who gets 3,000 yuan a month, please follow 3,000 yuan. Then the Labor Bureau will deduct your company and your money based on 3000 yuan, and then pay it to your social security account. At this time, your company will pay you 3000×4 1.3% = 1239 yuan every month, and you will pay 3000× 19 yuan every month. If your salary is above 1 189 yuan, you will pay according to your actual salary every month, unless your salary is higher than the maximum base. If you get 10000 a month with a maximum base of 8000, you and your company will be paid 8000 here to expose the shameless practices of some companies, and you may be paid thousands of dollars a month. But when they go to the bureau to declare your salary, they will not report it according to your actual salary. For example, if you get 3,000 yuan a month, they may say that you only get 1 189 yuan when you go to the labor bureau, and then the labor bureau will only deduct you1189×19%+10 = yuan every month. If so, then your company is shameless! Because the company pays twice as much as you, the less you pay, the less they pay! If calculated according to your actual salary of 3,000 yuan, they should pay you 3000×4 1.3% = 1239 yuan per month, while if calculated according to 1 189×4638, they will only pay you/kloc-0 per month. So in fact, you suffered a big loss! Regular companies will only report to the labor bureau according to your actual salary and deduct money! Only those cheap companies will pay you according to the minimum standard no matter how high your salary is! ! Don't think that the less you deduct from your social security fee every month, the better! ! Maybe you have been shamelessly bullied by the company and you have no idea! ! ! It's simple to determine the base number paid by the company for you: 300 yuan social security is deducted every month, and your base number is almost 300÷ 19%≈ 1578 yuan. See if your salary is this amount. If your salary is significantly higher than 1578, for example, you actually get 3000 or 4000 a month. After being bullied, you can go to the local labor inspection brigade to sue your company, but you'd better find evidence (such as salary slips). ) Before you leave your job, otherwise you won't be able to get along with the company after you sue-+explain again that the social security ratio varies from place to place. If you are not in Nanjing, your contribution ratio is likely to be 19%, but it will certainly not be too bad, for example. So although 19% is the proportion of Nanjing, students from other places can also use it to calculate their own base. Here are the details of these social insurance premiums and how to use them. Social insurance = endowment insurance+medical insurance+industrial injury insurance+maternity insurance+unemployment insurance+housing accumulation fund. Let's talk about endowment insurance first. Generally, this insurance must be paid after 15 to enjoy the pension for life, so students who want to get the pension must start paying before 15 before retirement. This is similar outside Nanjing. If you have paid less than 15 years of old-age insurance at retirement age, the state will return all 8% of the pension stored in your personal account to you when you retire. Then you will ask, where is the 2 1% paid by the unit? You can't expect the country to give it to you. After you retire and take away your personal money, the state will transfer all 2 1% of the money paid by the unit to the national pension fund. From then on, the money has nothing to do with you. You might say: damn it! That's my money. Why don't you give it to me? Because that's what the state stipulates, when returning money, only the money withheld by the individual is returned to the individual, and the money paid by the unit for him has contributed to the country-let's see how the pension is calculated when retiring. The algorithm of pension is very complicated, because the country changes the payment base once a year. For example, you are 30 years old now, and your current payment base is 3000 yuan. If the retirement age is 55, you must start to pay the old-age insurance before the age of 40, and if you start to pay at the age of 30 now, it will be 25 years by the age of 55, then you must enjoy the pension first. Secondly, if the payment base of 3000 Yuan You becomes 000 yuan after 25 years (I mean if), then when you are 55 years old, you can get the basic pension of 6000×20%= 1200 yuan first, which is given to you by the state. In addition, the money in your personal account has accumulated a lot in 25 years. Just the average payment base, (3000+6000)÷2=4500. Then there should be 4,500× 8% (the proportion of old-age insurance paid by individuals )× 25×12 months = 108000 yuan in your personal account in these 25 years, so in addition to the previous 1200 yuan, you can get 108000 yuan every month. In this way, from the age of 55, you can get at least 1200+900=2 100 yuan pension every month. Of course, the national base is still rising every year, so in addition to your own annual 900 yuan, you will get more 1200 yuan every month after retirement, and your pension will certainly increase, so the more you pay, the better. The more you give, the more you enjoy after retirement. And after the country adjusts the base every year, you will get more and more money. It is possible to pay 1000 now and get 1500 ten years later. There is an abnormal policy here, that is, no matter where you pay the social security fee, when you retire, you can only go back to the place where your account is located and enjoy the local retirement benefits. So, hand it in where the base number is high. 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 hukou is in Heilongjiang, you must go back to Heilongjiang to enjoy the old-age care. If you have paid in Nanjing for 20 years, the average base is 3,000 yuan (I said if), but when you retire, the base of payment in Heilongjiang is only 1000 yuan (I said if), then you can only enjoy 60 yuan when you retire. This is a loss! In short, if you pay social security in a rich place and retire to a poor place to enjoy social security, you will pay a lot but enjoy very little in your life! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is nothing we can do. This is a national policy. So please pay attention to all students who work in places with low base such as the west but high base such as Beijing or Shanghai. Either you pay social security in the west, or you move your registered permanent residence to Beijing or Shanghai before you retire, otherwise you are doing a business with a huge loss in your life. Maybe you will say, if my hukou is in Nanjing, I will make friends in Heilongjiang for 20 years. If the base is low, do you think Nanjing Labor Bureau will let you enjoy it? ! Generally speaking, Nanjing will find reasons to directly refuse your transfer! You will be smarter than you at that time: Heilongjiang can't enjoy it, and Nanjing can't enjoy it! But some places have some loose regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay a high base in Nanjing for five years before allowing you to return to Nanjing to enjoy a pension. This policy is estimated to vary from place to place. Students who plan to transfer in the future had better go to your local labor bureau to find out about this problem now, so as to avoid accidents when they retire! Let me talk about medical insurance. The policy of this insurance country is not bad. The important thing is a lot of reimbursement for hospitalization. As I said before, the monthly medical insurance paid by the company is 9%, and your monthly medical insurance payment is about 2% plus 10 yuan. This serious illness co-ordination is nothing more than that you are hospitalized, and the state puts your own 2% into your medical insurance account every month 1 1%. If you pay social security according to the minimum base 1 189 yuan every month, then 1 189×2%=23.78 yuan is the money that the state calls you personally every month. You can accumulate this money to buy medicine directly by credit card or go to outpatient clinic, and the remaining 9% will be included in the medical pooling fund according to the regulations of Nanjing. If the medical insurance is paid from June 5438+0, 2007, and the card is used to buy medicine or outpatient service from February 2007, the hospitalization expenses can be reimbursed from July 2007. This report is quite complicated. For example, you have been hospitalized since August, 2007 1, living in the best tertiary hospital in Nanjing, and all of them will be used during hospitalization. Surgery+hospitalization costs 5000 yuan, so the medical insurance center will deduct 1 000 yuan first when reimbursing, which is the starting price. The remaining 4000 yuan can be reimbursed by the medical insurance center according to 4000×86% = 3440 yuan, and you only need to pay 4000× 14% = 560 yuan, plus the previous one. You only need to pay 1560 yuan to get 5,000 yuan, and this 1560 yuan can be deducted from your medical insurance card (if you don't use that card often), so in fact, you didn't spend much money in hospital. Medical insurance is much more important to us young people than old-age insurance. After all, it's too fucking expensive to see a doctor and be hospitalized. This is also the most important significance of participating in social insurance. However, Nanjing stipulates that medical insurance must be paid for 25 years before it can be enjoyed for life after retirement. Therefore, if you retire at the age of 55, you must start paying medical insurance at the latest 30 years old. Let's talk about work-related injury insurance first. Generally speaking, it is seldom used in practice, and I don't have much contact with it. It should be reminded that if you have an accident at work or at work, this insurance will come in handy, but in practice, many people do not pay attention to the preservation of evidence, resulting in the inability to enjoy work-related injury insurance. This is a pity. If you get hit by a car after work, you should call the police as soon as possible and let the police investigate the records and take photos to collect evidence. The police will give you an accident certificate or something after handling it. You can take this to the company and ask for a work-related injury report. If something happens to you, you let people run away, without looking for witnesses or calling the police. If there is no evidence, it will generally not be recognized as a work-related injury. There is still a time limit. If you have a work-related injury on July 1 2007, you must report it to the company immediately, and provide the evidence and accident appraisal certificate issued by the police, as well as the medical records of seeing a doctor or being hospitalized after the work-related injury. The company is required to take these materials for industrial injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August 1 2007. If it is more than one month from the date of your work-related injury, you don't have to identify the work-related injury. If your company doesn't give you an appraisal, you can take the materials to the appraisal center for appraisal, preferably not more than one month. Otherwise it will be very troublesome. Let us take maternity insurance as an example. If you are a girl, the monthly salary is 1 0,000 yuan, and you started to pay maternity insurance in June 2007 at 65438+ 10/0, and the payment base is 1 89, and you were pregnant in March and June 2007. I was discharged from hospital in June, 5438+October, 2008, so you should submit all the materials to the company as soon as possible after discharge: marriage certificate (unmarried children can't be reimbursed)+one-child certificate (generally speaking, two children can't be reimbursed)+medical record+all invoices for medical examination and hospitalization operation expenses for building a large and small card+hospitalization list+discharge summary. If the pregnancy check-up costs 500 yuan, the hospitalization and operation of the baby will be 2000 yuan. The company can basically reimburse you all within the scope of medical insurance. The money given to you after reimbursement includes: 500 examination fee +2000 hospitalization operation fee+1/89 yuan/month× 4 months = 7256 yuan, 165438 yuan/month× 4 months, which will be reimbursed by the medical insurance center. If your basic salary is higher than your salary, for example, 1000 yuan is 1 189, then you still make money. You have to pay maternity insurance for at least one year to enjoy it. Remember, there's another problem. Boys also pay maternity insurance. So can boys enjoy maternity insurance? If you are a boy, your wife doesn't have a job or her work unit doesn't pay insurance, and you have paid maternity insurance for more than one year when she gave birth, then you can also reimburse maternity insurance. But in the last example, you can only reimburse 500 examination fee+half of 2000 hospitalization operation fee = 1250 yuan, and the subsidy is 1 189 yuan/. This is for girls to enjoy when they are reimbursed. For the same expenses, girls can get 7256 yuan for reimbursement, while boys can only get 1250 yuan for reimbursement. This is probably a rare policy of "discriminating against men" in China-+Therefore, it is best for girls to make plans before giving birth and start looking for a company to pay maternity insurance one year in advance, so that they can earn money! If a boy wants to marry a wife, he'd better marry a girl who paid maternity insurance for one year when she gave birth, and her salary is higher than her own! But it doesn't matter if she really doesn't have insurance, you can also reimburse her for maternity insurance, but you won't get the subsidized four-month salary, and you can only get back half of the newspaper's expenses. Unemployment insurance Unemployment insurance, you have to pay for one year before you can enjoy it. Generally, it takes two months to pay 1, and four months to pay for two years, but it takes up to 24 months in your life. Let's take an example: if you started to pay insurance on June 1 in 2007 and were dismissed by the company on June 1 in 2008, then if you paid insurance on the base of this year 1 189, you can get 800 yuan in at least two months, or you can get it on June/kloc-2007. It is also more than 800 yuan, which means that when the contract expires or the company is dismissed, you can ask the company to give you unemployment benefits at the rate of two months a year. If the company doesn't give it to you, you can sue. However, if you resign before the expiration of the contract, even if you have paid 1 year, you will not enjoy unemployment insurance. As long as you resign, don't pay 1 year. Even if you pay1year unemployment insurance, you won't get a penny until you resign. Housing provident fund is a good thing. Let's just say that if you pay the provident fund in 200 yuan every month, the company will also pay your account into 200 yuan every month. When you buy a house, it will only be 400 yuan. If you pay 50,000 yuan in your life, your account will be 65,438+10,000 yuan. Don't refuse such a good thing. Provident funds can be used to buy a house, repay loans, decorate and so on. If your family can find a place to build a house, the money for building a house can also come from the provident fund. If you don't use this money all the time, it seems that you can withdraw all the money when you finally retire [into the next chapter] Supplementary note [5KB] First of all, unlike Nanjing, Magic is not allowed to pay medical insurance. In other words, social security centers, including pension, medical care, unemployment, work injury and maternity, require enterprises to collect them, but the provident fund can be paid or not, because it is under the jurisdiction of the provident fund center. The specific social security composition ratio is: endowment insurance: the unit pays 22% for you every month, and you pay 8% yourself; Medical insurance: the unit pays you 12% every month, and you pay 2% yourself; Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%; Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself; Maternity insurance: the unit pays you 0.5% every month, and you don't have to pay a penny yourself; Housing accumulation fund: the unit pays 7% to you every month, and you pay 7% to supplement the housing accumulation fund: the unit pays 8% to you every month, and you pay 8% yourself (this is only available to state-owned enterprises with good general benefits, and the proportion is determined by the company itself. It is moral for general companies to pay provident fund). In addition, it should be said that the relationship between social security and individual tax adjustment is calculated after personal deduction. However, it should be noted that the part of the provident fund and supplementary provident fund that exceeds 12% (the part paid by individuals and enterprises) also needs to be included in the tax base, for example, 7% of the above provident fund and 8% of supplementary provident fund add up to 15%. Then the personal deduction of 3% will be included in the taxable amount. At the same time, the 3% of the enterprise, although not from the personal salary, is used in this respect, and the way to transfer it to the personal account varies from place to place. It is the way to transfer to Nanjing on a monthly basis. Many places are transferred to it year by year. Specifically, the medical insurance year is from April 1 to March 3 1 of the following year, and the change of social security payment base is also determined in mid-April. On April 1, the medical insurance bureau will advance 1 year's personal medical insurance (that is, 2%) according to everyone's social security base, but there will be problems at this time. On April 1 day, when the social security base has not been established in that year, the medical insurance bureau can only predict the personal medical insurance premium in that year according to the base of the previous year. So what should be the difference? That is, April of the following year 1 It seems very troublesome to make up for underpayment or deduct overpayment. So suppose someone's average monthly income in 2004 is 5000 yuan, in 2005 it is 4000 yuan, and in 2006 it is 6000 yuan. When the medical insurance bureau credited the personal account in April 2006 1, the social security center had not approved the payment base in 2006 (that is, the average monthly income in 2005), so the medical insurance bureau still calculated the annual personal account amount according to the payment base in 2005 (that is, the average monthly income in 2004), that is, 5000 * 2% *12 =/. In April 2007 1 Diary, the personal fund for the New Year is still 960 yuan (actually, it should be 6000*2%* 12= 1440 yuan), and the underpaid 480 yuan will make up on April 1 2008. Therefore, because most people's annual payment bases are different, the total number of accounts of almost everyone in March each year is different from the amount of accounts seen in April, which is generated when the medical insurance bureau does annual expense accounting. There is also a time limit for work-related injuries. If you have a work-related injury on July 1 2007, you must report it to the unit immediately, and hand over the evidence and accident appraisal certificate issued by the police and the medical records of seeing a doctor or being hospitalized after the work-related injury to the unit, so that the unit can take these materials for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center before August 1 2007. If it has been more than one month since the date of work-related injury identification, the work-related injury may not be identified. If your company doesn't appraise you, you can take the materials to the appraisal center for appraisal, and it's better not to exceed one month, otherwise it will be very troublesome. There are two ways to supplement this. One is the company's declaration of industrial injury, which is valid within 30 days, and the other is the individual's declaration, which is valid within one year. In terms of maternity insurance, for those who have had abortion, dystocia, multiple births and premature births, please see the following links. Although it is Shanghai's policy, there are similarities everywhere. Shanghai and Nanjing may have different policies, and the company will never take care of this reimbursement. Are directly linked to pregnant women through medical insurance. During the check-up, production and hospitalization, all the projects in medical insurance coverage will be paid by medical insurance. Of course, self-funded projects (such as advanced wards, self-funded drugs, etc.) still have to be borne by themselves. After giving birth to a baby, you apply for maternity allowance at the medical insurance bureau. The medical insurance bureau will give you 3000 social security, and then add half a month to the income of the three-month payment base. If the average wage income in the previous year is greater than the upper limit of social security payment base, social security will only pay the payment base, and the rest will be paid by the company. For example, someone's average wage income in the last year was 10000. Then the monthly income paid by social security is 7392, and the rest 10000-7392=2608 is paid by the company. (Although I think this situation is not easy for readers in the cloud to encounter =. =。 . In fact, there are two key points: 1, the prenatal payment is full 1 year, and the social security contribution base is declared normally. So students, especially female students, don't think that the base declared by the company doesn't matter to you, even if it is for a lower base, I am glad that my salary is high. That's when I saw the problem! This is also the reason why so many female employees prefer to stay in places where wages are low but social security is fully declared. For one thing, small places don't like unmarried female workers, and for another, maternity insurance is a big income supplement. For example, a person's normal salary is 3000 yuan, but her year-end bonus income and other bonus income are included in the social security base declaration, so the monthly average may reach 5000 yuan. At this time, the income of the children in the first few months is 5000 yuan in January. If you haven't been using the money, it seems that you can withdraw all the money when you finally retire. It's entirely possible! Moreover, the interest of provident fund loans is much lower than that of commercial loans, which is also a big advantage.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.