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Anonymous users2024-02-07First of all, let's take a look at who pays pension insurance?
Urban workers can also be called office workers, mainly personnel of enterprises and institutions, and the pension insurance of these people is paid by the enterprise. After paying social security (including pension insurance), and then paying personal income tax, the remaining salary will be paid to employees.
The cost of endowment insurance is determined by the endowment insurance payment base and the payment base, and almost all of them cannot choose by themselves; It is recommended that you check out Xiansun's "What is the Pension Insurance Payment Base?" How is it calculated? 》。
This article is mainly provided for friends who pay endowment insurance, that is, friends who pay the lowest level of endowment insurance just to ensure the continuous supply of endowment insurance.
These friends include freelancers, stage unemployed and laid-off workers, who need to consider economic factors and ensure that the pension insurance is constantly provided. Before it is cost-effective, I am more concerned about how much is the minimum level of pension insurance? And how to pay pension insurance?
How much is the minimum level of pension insurance?
Taking Beijing as an example, the pension payment base = the total salary income of the previous year 12, and the total salary income of the socks in the previous year includes hourly wages, piecework wages, bonuses, allowances and subsidies and other wage income. In other words, everyone's pension insurance contribution base may be different.
In order to be more convenient and equitable, the upper and lower limits of the contribution base have been established. The lowest level of endowment insurance is the lower limit of the payment base, the lower limit of endowment insurance payment in Beijing is 40% of the average monthly salary of the previous year, and the average monthly salary before June 201 is 8467 yuan.
Therefore, we can calculate that the lowest level of pension insurance payment base in Beijing = 8467 * 40% = 3387 yuan; When flexible employees pay social security by themselves, they pay 20% of the payment base, and we can find that the lowest level of pension insurance in Beijing in 2019 is yuan.
How much does it cost to pay for pension insurance for flexible workers?
If it is a freelancer or laid-off person, that is, "flexible employment personnel entrusted by individuals", the basic pension insurance for employees shall be paid according to the proportion of 20% of the payment base, taking Beijing as an example
If the average monthly salary is used as the payment base, the basic pension insurance premium of the employee shall be paid every month.
If 60 of the average monthly salary is used as the payment base, the basic pension insurance premium for employees shall be paid 1,016 yuan per month.
If 40 of the average monthly salary is used as the payment base, the basic pension insurance premium of the employee shall be paid every month.
Those who enjoy social insurance subsidies shall pay the basic pension insurance premiums of employees every month.
How do individuals pay pension insurance?
The payment in the name of the individual needs to apply to the social security bureau where the household registration is located, and the insurance procedures include: my ID card, two recent bareheaded one-inch **, premiums, application forms, etc.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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Anonymous users2024-02-06Take the city of Nanjing as an example:
Social insurance = endowment insurance + medical insurance + unemployment insurance + work-related injury insurance + maternity insurance + housing provident fund.
The specific social security composition ratio is:
Pension insurance: 21% per month for the unit, 8% for yourself;
Medical insurance: The unit pays 9% every month, and you pay 2% plus 10 yuan for the serious illness co-ordination (the serious illness co-ordination is mainly in charge of hospitalization);
Unemployment insurance: 2% per month for the employer and 1% for yourself;
Work-related injury insurance: the employer pays every month, and you don't have to pay a penny yourself;
Maternity insurance: the unit pays every month, and you don't have to pay a penny yourself;
Housing Provident Fund: The unit pays 8% every month, and you pay 8% yourself
Above, so calculated, the proportion of social security paid by the unit every month should be 21%+9%+2%+
The proportion of social security paid by yourself every month should be 8% + 2% + 10 yuan + 1% + 8% = 19% + 10 yuan.
Temporarily remove the 10 yuan you pay, the ratio of the unit and the ratio you pay should be 413:190, which means that if you pay 190 yuan for your social security every month, then the unit will put 413 yuan into your social security account, and the increase in your social security account every month should be 413 + 190 = 603 yuan.
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Anonymous users2024-02-05Individuals buy society.
There are two types of insurance: endowment insurance and medical insurance.
Payment standard: Based on the average social wage announced by the city in the previous year, the minimum standard is 60% of the average wage, the highest standard is 300% of the average wage, and the middle is %. 20% for endowment insurance and 10% for medical insurance
Taking the minimum standard as an example, the amount of individual contributions to pension insurance is: (average salary * 60%) * 20%.
The amount of individual contributions to medical insurance is (average salary * 60%) * 10%.
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Anonymous users2024-02-04There are no specific provisions on the individual payment standards for medical insurance, but there are specific provisions for social security.
Medical insurance refers to the basic medical insurance premiums that should be paid in full and on time by the employer and the individual employee in accordance with the principle of compulsory social insurance through national legislation. If you do not pay in full and on time, regardless of your personal account, the basic medical insurance coordinator will not pay your medical expenses.
Medical insurance individual payment standards:
The basic medical insurance premiums for employees are paid jointly by the employer and the employee. If the employer's contribution ratio is the total salary of the employee, the employee's contribution ratio shall be 2% of the employee's salary income. With the development of the economy, the contribution ratio of employers and employees can be adjusted accordingly.
The total monthly average salary of the employees of the previous year shall be the payment base of the employer, and the average monthly salary of the individual employee in the previous year shall be the monthly payment base.
Medical insurance is mainly divided into employee medical insurance and urban and rural residents' medical insurance, and the amount of payment is different for different types. For employee medical insurance, the payment amount = unit medical insurance payment base * payment ratio + individual medical insurance payment base * payment ratio. Under normal circumstances, the unit pays 8% and the individual pays 2%. >>>More
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