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Anonymous users2024-02-15It seems that there is no national law that stipulates the social security contribution base.
It is formulated by each province and municipality on its own. It is generally known as the pension insurance regulations of a province and a city.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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Anonymous users2024-02-14However, in order to enjoy social insurance, we need to pay to meet certain time standards, such as basic pension insurance for 15 years, etc., let's take a look at the detailed regulations on social insurance contributions. If you don't know the purpose of social security, you can take a look at this article: "The latest analysis of social security, what is the purpose?"
However, in order to enjoy social insurance, we need to pay to meet certain time standards, such as basic pension insurance for 15 years, etc., let's take a look at the detailed regulations on social insurance contributions.
According to current policies and regulations:
1. The city has paid basic endowment insurance for 15 years and basic medical insurance for 20 years. After retirement, the minimum basic pension will be issued according to the standard of the paying city, and the medical insurance standard of the paying city will be implemented.
2. Migrant workers, in each city, the basic endowment insurance and basic medical insurance are not enough, and in all cities, the cumulative payment of basic endowment insurance for 15 years, basic medical insurance for 20 years, according to the standard of their household registration is issued, the implementation of the household registration of the medical insurance standard.
3. In all cities, if the basic endowment insurance and basic medical insurance are not enough for many years, at the time of retirement, the basic endowment and basic medical care for the specified number of years will be made up at one time according to the social security payment base of the current year.
How to collect social insurance premiums:
1. Proportional insurance premium system
In this way, the insurance premium is calculated based on the salary income of the insured person and a certain percentage is stipulated. Originally, the main purpose of social insurance was to compensate the insured for the income lost during the period of risk accidents, so as to maintain his minimum livelihood, so it was necessary to refer to the income on which he usually depended, on the one hand, as the standard for measuring benefits, and on the other hand, as the basis for calculating premiums.
2. Equal insurance premium system
The equalization system is a superficial approach to recruitment, which means that the same amount of premiums will be charged regardless of the income of the insured person or his or her employer. The advantage of this system is that it is simple to calculate and easy to implement. Moreover, countries that collect insurance premiums in this way usually adopt an equal system when paying insurance premiums, which has the meaning of equality of income and expenditure.
But the downside is that the low-income group and the high-income group pay the same premiums, which is obviously unfair in terms of affordability.
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Anonymous users2024-02-13Legal analysis: There are upper and lower limits on the social insurance payment base, and the minimum shall not be less than 60% of the average monthly wage of employees in the city in the previous year (employees of private enterprises, employees of individual industrial and commercial households, and employees of non-urban household registration in the city shall not be less than 50%, and the legal persons, shareholders and owners of individual industrial and commercial households of private enterprises shall not be less than 100%); The maximum shall not be higher than 300% of the average monthly salary of employees in the city in the previous year. The average wage of employees in the city is announced by the Municipal Bureau of Statistics every year.
Legal basis: Social Insurance Law of the People's Republic of China
Article 12 The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance pool. Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.
Article 35 The employing unit shall pay work-related injury insurance premiums according to the total wages of its employees and employees at the rate determined by the social insurance agency.
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Anonymous users2024-02-12There are upper and lower limits on the payment base of social insurance and dry insurance, and the minimum shall not be less than 60% of the average monthly wage of employees in the city in the previous year (employees of private enterprises, employees of individual industrial and commercial households and employees of non-urban household registration in the city shall not be less than 50%, and legal persons, shareholders and owners of individual industrial and commercial households of private enterprises shall not be less than 100%); The maximum shall not be higher than 300% of the average monthly salary of employees in the city in the previous year.
1. Monthly individual contribution base.
If the average monthly salary of the person in the previous year is lower than 60% of the average salary of the employed persons in the city in the previous year, 60% of the average salary of the employed persons in the city in the previous year shall be used as the monthly payment base; If the average monthly salary of the person in the previous year is higher than 300% of the average salary of the employed persons in the city in the previous year, 300% of the average salary of the employed persons in the city in the previous year shall be used as the monthly payment base.
2. How much does the unit have to pay for the lowest level of social security?
The minimum shall not be less than 60 percent of the average monthly wage of local employees in the previous year (not less than 50 percent of the employees of private enterprises, self-employed workers and non-urban household registration workers in the city, and not less than 100 percent of the legal persons, shareholders and owners of individual industrial and commercial households of private enterprises); The maximum shall not be higher than 300% of the average monthly wage of local employees in the previous year.
3. How to calculate the personal salary base?
The personal wage base is 60% to 300% of the average social wage for the payment base, and if the average monthly salary or starting salary of the previous year is lower than 60% of the average monthly wage of the city's employees in the previous year, it shall be approved according to 60% of the average monthly salary of the city's employees in the previous year; If it exceeds 300% of the average monthly wage of employees in the city in the previous year, it shall be approved according to 300% of the average monthly wage of employees in the city in the previous year.
At present, we are mainly exposed to two kinds of social security: employee social security and resident social security. Employee social security is mainly for employees who go to work, and the company bears about 70 social security costs. Residents' social security is mainly aimed at farmers and low-income people, and it is low and all borne by themselves.
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