I am completely involved in social insurance, do you have a friend to help me talk about it in detai

If you buy a unit, you can pay 20% for the unit and 8% for you. Of course, if you buy it yourself, you not only have to pay 8%, but also 20% of the unit. At the same time, the 20% you pay on behalf of the unit is not directly in your personal account, and the money may not belong to you in the future.

Social insurance is a kind of welfare policy of the state, especially the medical insurance in social insurance, but social security is like a big pot of rice, which can be eaten, but the quality is not necessarily good. If you want to eat well on your own, then you have to take a little more of your own and buy some commercial insurance to supplement it.

There are three levels of social insurance, and most units pay according to the lowest level, because in that case, the unit can pay a little less.

For the lowest grade, the individual payment is more than 100 points per month, the middle grade, the individual payment is 3400, and the highest level of personal payment is more than 700 per month. However, in the future, the pension after retirement is not proportional, now more than 100 stalls, the future retirement state will give about 700 yuan per month, plus the part of the personal account. If you pay more than 700 yuan per month now, you will retire at 2,000 yuan plus your personal account in the future.

If there are too many details on social insurance, here is a brief introduction:

Once in the society, the company will pay social insurance to employees, referred to as social security, standard social insurance refers to pension, medical care, work injury, maternity, unemployment, and a provident fund! The state stipulates that at least the three insurances of pension, unemployment and medical care are paid! Nowadays, many enterprises pay more for the four insurances (pension, medical care, work-related injury, and unemployment).

From the name, it should be understood, pension for retirement, medical care for illness, work injury for occupational disease and commuting safety, childbirth for raising children, unemployment for a certain subsidy when there is no job, provident fund for buying a house!

The five insurances and one housing fund of social security (pension, medical care, work injury, maternity, unemployment, and a provident fund), the three insurances (pension, medical care, and unemployment) are jointly borne by themselves and the enterprise, and the rest is borne by the enterprise (the provident fund is also jointly borne by the enterprise).

If it is a freelancer, then it is an individual who pays social security, and the state stipulates that as an individual to pay social security, it is fully undertaken, and only two kinds of pension and medical care can be paid, which is relatively not cost-effective!

There's a lot to be said in your question. You can take a look at the social security law and its implementation rules, and you can also go to the local social security bureau to inquire about the relevant policies, because the regulations are slightly different in different places.

There are five insurances for urban workers

1. If it is a unit (i.e., pension insurance, medical insurance, maternity insurance, unemployment insurance, work-related injury insurance), if you leave the job, you can participate in the insurance according to the individual.

2. Individuals can only buy three insurances (i.e., old-age insurance, medical insurance, and maternity insurance).

The basic medical insurance system covers all kinds of diseases that are sick and hospitalized, gate diseases, and accidental injuries that are eligible for basic medical insurance reimbursement.

Basic pension calculation and payment method:

If you participate in the work after January 1 of the year and have paid for 15 years or more, the basic pension consists of: basic pension and personal account pension;

Insured persons who have joined the work before December 31 of the year and have paid contributions and deemed contributions for 15 years shall receive a basic pension on a monthly basis after retirement. The basic pension consists of: basic.

Pension, personal account pension, comprehensive subsidy, transitional pension four parts;

If you have participated in the work before December 31 of the year, and have paid contributions and deemed contributions for 10 years but less than 15 years, you will receive a basic pension on a monthly basis after retirement. The basic pension is reduced by:

The basic pension, personal account pension, comprehensive subsidy and transitional pension are composed of four parts;

1) Basic pension:

If the payment period and the deemed payment period are more than 15 years, it shall be calculated by multiplying the average monthly salary of employees in the city by 20% in the previous year;

If the payment period is more than 10 years but less than 15 years, the full 10 years shall be calculated according to the average monthly salary of the employees in the city in the previous year multiplied by 15 at the time of retirement, and the subsequent payment will be increased by 1 for every 1 year, the most.

The height limit is 20;

2) Personal account pension: 1 120 of the amount saved in my account

3) Transitional pension: the indexed average monthly contribution salary multiplied by the number of years of contribution before December 31, 1995 and then multiplied by 1 3%.

The formula for calculating the average contributory wage index is as follows: (1991 employee contribution wage, 1990 Chengdu employee average social wage, 1992 employee contribution wage

The average social wage of Chengdu employees in the year of retirement) (1 year from the beginning year of calculating the contribution wage index in the year of retirement).

"Indexed average monthly contribution wage" refers to the average contribution wage index of the employee himself multiplied by the average monthly social wage of the local employee in the previous year at the time of retirement.

4) Comprehensive subsidy: In 1997, the average monthly wage of employees in the city was multiplied by 2, plus the subsidy stipulated by the state, provinces and cities before December 31, 1995, and then multiplied by December 31, 1995.

The number of years of contribution (including deemed contribution period) of the previous person divided by the number of years from the time of the person's employment to the time of retirement.

Ten. 2. Endowment insurance: There are two kinds, decide which type to buy according to your specific situation.

1. Social insurance includes basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance and maternity insurance.

2. If you work in an employer, the employer should take out insurance and pay various insurances for you; If you are a freelancer, you can also apply for basic pension insurance, basic medical insurance and maternity insurance, but unemployment and work-related injuries cannot be done. The difference between the two is that the payment ratio and payment base are different, and the unit has to bear most of the costs when the unit pays, while the individual handles it himself, although the payment ratio is slightly lower, after all, the individual has to bear all the costs.

3. I originally applied for social insurance in the unit, and then became unemployed, and those who met the unemployment conditions can receive unemployment benefits, and you belong to the freelancers before you are re-employed, and you can continue to pay the three insurances of old-age, medical care and maternity.

4. The advantage of social insurance is that you can receive material help from the state and society in accordance with the law in the case of old age, illness, work-related injury, unemployment, childbirth, etc. In other words, you can receive a monthly pension after retirement according to the statutory year; In the event of your illness, health insurance can cover most of the costs for you; If there is a work-related injury, you can get compensation from the work-related injury insurance**, and you don't have to worry about the employer or defaulting on the debt; If you give birth to a baby, you can also get a decent amount of maternity medical expenses and maternity allowance.

5. The calculation of the basic pension is more complicated, in fact, you don't have to worry about it at all, the social security department will calculate it for you. The basic pension is composed of a pooled pension and a personal account pension, which is determined according to factors such as the cumulative number of years of individual contributions, the payment salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.

I hope these can give you a preliminary understanding of social insurance, and if you don't understand anything, you can go directly to the social security hall for consultation, and they may explain it to you more clearly.