What is the basis for calculating the three insurances ?

Pension insurance, 8% for individuals and 20% for companies

Medical insurance, 2% for individuals, 6% for companies

Unemployment insurance, 1% for individuals and 2% for companies

Maternity insurance, 0% for individuals, for companies.

Workers' compensation insurance, 0% for individuals, companies.

Companies with good benefits are paid according to the actual amount of wages, but there are differences in the implementation process from province to province, and the base of Hainan is 1,100 yuan per month.

Jinan: The average wage standard is 1587 yuan, which is paid on the basis of 1587 60% = 952 yuan.

Pension insurance, 8% for individuals and 20% for companies

Medical insurance, 2% for individuals, 6% for companies

Unemployment insurance, 1% for individuals and 2% for companies

Maternity insurance, 0% for individuals, for companies.

Workers' compensation insurance, 0% for individuals, companies.

Beijing's policy: medical insurance is based on the minimum wage, and the regulations are on 1640, regardless of your actual salary, it cannot be lower than 1640 anyway

Others press as low as 580

Generally, the local labor and social security department approves the payment base, and the local tax is collected.

The minimum is in accordance with the local minimum standards! Beijing seems to be 780! Then hand in according to the percentage! Of course, it can be higher than this, depending on your company!

The base of the three insurances is calculated by the ** department according to the local minimum wage standard. You have to ask.

There is also a type that is calculated according to your actual salary.

The ratio of the three insurances should also be asked.

It is determined based on the local average social wage of the previous year.

Endowment insurance, medical insurance, unemployment insurance and housing provident fund are jointly paid by the company and individuals, and are known as "three insurances and one housing fund". The wages of employees are not the same, so it is necessary to determine a contribution base.

The contribution base is divided into upper and lower limits, and everything in between. The determination of the payment base is related to the monthly wage income level of the local city, and the payment base of various insurances is different, which depends on the announcement of the local local taxation bureau of the local government.

Taking Guangzhou as an example, in 2011, the monthly basic pension insurance payment base for enterprise employees in Guangzhou will be raised from 9,090 yuan to 10,089 yuan, and the lower limit will be raised from 1,818 yuan to 2,018 yuan;

Guangzhou (excluding Panyu District, Huadu District, Conghua City, Zengcheng City) monthly basic medical insurance payment base for urban employees: the upper limit is adjusted from 12,303 yuan to 13,623 yuan, and the lower limit is adjusted from 2,461 yuan to 2,725 yuan;

Guangzhou's monthly work-related injury insurance payment base: the upper limit is adjusted from 12,303 yuan to 13,623 yuan, and the lower limit is still 1,300 yuan;

Guangzhou's monthly unemployment insurance payment base: the upper limit has been adjusted from 12,303 yuan to 13,623 yuan, and the lower limit is still 1,300 yuan;

The base of the gross fee for maternity insurance in Guangzhou is adjusted from 12,303 yuan to 13,623 yuan, and the lower limit is adjusted from 2,461 yuan to 2,725 yuan;

The monthly housing provident fund payment base in Guangzhou: the upper limit is adjusted to 22,705 yuan, and the lower limit is the salary below the upper limit.

If the monthly salary is 2500 yuan, then you have to pay endowment insurance: 2500 * 8% = 200 yuan; Medical insurance: 2725*2%=RMB; Unemployment Insurance:

1300*1%=13 yuan (urban, non-urban exempt); Housing provident fund (assuming that the contribution ratio is 8%): 2500*8%=200 yuan. "Three insurances and one housing fund" are paid together:

200+ yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

If in Shanghai, if a foreign employee is registered in an urban area, the unit must pay the urban insurance according to the law, not depending on the individual's wishes.

The main differences are:

The payment base of the five insurances is high (the minimum in 2012 is 2,599 yuan, while the base of the three insurances is 1,949 yuan), and the payment ratio is also high (48%). In addition, the medical insurance treatment is also higher (first, there is more money on the medical insurance card, and second, the third is that the three insurance personnel enjoy more outpatient serious illness and family bed treatment).

Due to the social security payment, the unit accounts for the majority, and the five insurances have to pay hundreds more than the three insurances, and the unit has a heavy burden, so the unit will try its best to pay the three insurances.

If you are a childless woman, you have to pay five insurances, and the relevant treatment of maternity insurance is at least 11,676 yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

"Three insurances and one housing fund", three insurances refer to: basic endowment insurance, medical insurance, unemployment insurance; One gold refers to: housing provident fund.

In accordance with national regulations, the "three insurances and one housing fund" shall be jointly paid by the employer and the individual, paid on a regular basis, deposited into the insurance account or provident fund account opened in the capacity of the individual, and managed by the relevant social functional departments in a unified manner. The calculation and payment method of "three insurances and one housing fund" is as follows: (The figures in the text are hypothetical, and each place has its own regulations.)

1. Endowment insurance: 4% of the salary base paid by individuals, 10% of the salary base paid by enterprises, and individual contributions to the statutory normal retirement age.

2. Medical insurance: 2% of the salary base paid by the individual for basic medical insurance, and the part of the salary base paid by the unit goes into the personal account; Individuals pay 3 yuan per month for mutual aid funds for large medical expenses, and the unit pays 1% of the salary base. When an individual is sick, the basic medical insurance will co-ordinate the expenses of the individual account**.

If the minimum payment standard of basic medical insurance is exceeded, the medical expenses that should be borne by the individual in proportion to the standard. The part of the personal account that is insufficient to pay shall be paid by the person himself/herself.

3. Unemployment insurance: if the individual pays the wage base, the unit pays the wage base. Participating in unemployment insurance in accordance with regulations, and the employer and the person have fulfilled the obligation to pay contributions in accordance with the provisions for one year; Interruption of employment not due to the person's will; Those who have registered as unemployed and have job search requirements can receive unemployment insurance.

4. Housing provident fund: x8% of the salary base paid by the individual, and 8% of the salary base paid by the unit. Purchase, construction, renovation and overhaul of owner-occupied housing by individuals; Those who are on leave or retired have completely lost their ability to work and have terminated their labor relationship with the unit; Those who move out of the city or county where their household registration is located or leave the country to settle down; repayment of principal and interest of purchases and loans; If the rent exceeds the prescribed proportion of the family's salary income, the housing provident fund can be withdrawn.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

If the amount of wages is clearly stipulated in the labor contract, the salary agreed in the contract shall be used as the calculation base. As for whether the calculation is based on the basic salary, it depends on the specific salary structure.

1. If the labor contract clearly stipulates the amount of wages, the wages agreed in the labor contract shall be used as the basis for calculating overtime pay. It should be noted that if the seniority items of the labor contract are divided into "basic salary", "post salary", "post salary", etc., the sum of all wages shall be used as the basis for calculating overtime pay, and the "basic salary", "post salary" or "post salary" alone shall not be used as the calculation base.

2. If the labor contract does not clearly stipulate the amount of wages, or if the contract is not clear, the actual salary shall be used as the calculation base. All wages, bonuses, allowances, subsidies, etc., paid directly by the employer to employees are actual wages, including several components of the "total salary" stipulated in the Interpretation of the National Bureau of Statistics on Several Specific Scopes of the Provisions on the Composition of Total Wages. However, it should be noted that when the actual wage can be used as the basis for calculating overtime pay, overtime pay, food allowance and labor protection subsidy should be deducted and cannot be included in the calculation scope.

3. When determining the average daily wage and average hourly wage of employees, the Ministry of Labor and Social Security's Notice on Issues Concerning the Conversion of Average Monthly Working Hours and Wages of Employees throughout the Year (Ministry of Labor and Social Security Fa [2008] No. 3) shall be used to distinguish it from the 2000 edition, and the monthly working hours shall be converted by days and 174 hours.

4. If piece-rate wages are implemented, the unit price of piece-rate within the statutory time shall be used as the basis for calculating overtime pay.

5. If the calculation base of overtime pay is lower than the local minimum wage standard of the current year, the daily and hourly minimum wage standards shall be used as the base.

In accordance with the Labor Law of the People's Republic of China

Article 40 An employer shall arrange leave for its workers during the following holidays in accordance with the law:

a) New Year's Day; (2) Spring Festival; (3) International Labor Day; (4) National Day; (5) Other holidays and holidays provided for by laws and regulations.

Article 44 In any of the following circumstances, the employer shall pay wages and remunerations higher than the wages of the workers for normal working hours according to the following standards:

1) Where a worker is arranged to work longer hours, a wage remuneration of not less than 150 percent of the wage shall be paid;

2) If a worker is assigned to work on a rest day and cannot be arranged for a compensatory holiday, a wage remuneration of not less than 200 percent of the wage shall be paid;

3) If a worker is assigned to work on a statutory holiday, he or she shall be paid a wage remuneration of not less than 300 percent of his wages.

Extended reading: [Insurance] How to buy, which is better, teach you how to avoid these insurance"pits"