Pension insurance

Generally have to pay a full 15 years, to the time of retirement in order to enjoy the pension for life, so want to take the pension people please be sure to start paying 15 years before their retirement. If the retirement age to pay the pension insurance less than 15 years, then wait until your retirement time the state will be your personal account on the deposit of 8% of the pension all back to you. Where did the 21% that the organization paid for you go? The state will transfer all the 21% paid by the organization to the national pension fund. The state stipulates that only the money deducted by the individual will be refunded to the individual, and all the money paid by the organization for him will be contributed to the state. How to calculate the pension at the time of retirement. The pension algorithm is very complicated, the state will change the contribution base once a year,: if you are now 30 years old, you are now the contribution base is 3,000 yuan, and the retirement age if 55 years old, then you must be in your 40 years old before you start to pay the pension insurance, and if you are now from the age of 30 years old to start to pay, to pay the age of 55 years old is 25 years, then first of all, sure that you can enjoy the pension, and secondly, if 25 years after you pay 3000 dollars of the contribution base has become 6000, then you are 55 years old, first of all, you can get 6000 × 20% = 1200 dollars a month of the basic pension, which is the state to you, in addition to your personal account money in 25 years has accumulated a lot of the contribution base averaged over the good, (3000 + 6000) ÷ 2 = 4500, so you This 25 years on the personal account should have 4500 × 8% (you pay the proportion of the individual pension insurance) × 25 years × 12 months = 108,000 yuan, in addition to the previous 1,200 yuan, you can get every month 108,000 ÷ 120 = 900 yuan, so that you are 55 years old, you can get at least 1,200 + 900 = 2,100 yuan per month pension, of course, every year. The base of the country is still rising, so that every year in addition to your own 900 yuan, you will get more than 1200 yuan per month after retirement, that your pension will of course be more and more so that the more you pay for pension insurance, the better, the more you pay the more you enjoy after retirement, but also, the state adjusts the base every year, you will get more and more money after the payment of 1000 now ten years After that, it is possible to get 1500. However, no matter where you pay social security premiums, when you retire you can only go back to your hukou to enjoy the local retirement treatment, so, in the base of a high place to pay social security but retired back to the base of a low place to enjoy the pension of the people that would be a big loss. Why? If you work in Nanjing when you are young, paid 20 years of social security and then retired, but if your account in Heilongjiang, then you must go back to Heilongjiang to enjoy the pension. If you paid for 20 years in Nanjing with an average base of 3000, and when you retire the contribution base in Heilongjiang is only 1000, then you can only enjoy 1000 when you retire! That's a big loss! In a word, if you pay social security in rich places but retire back to poor places to enjoy social security, then you pay a lot of life but enjoy very little! If you pay 3,000 dollars, you may only get 1,000 dollars! This is a very scary thing, but there is no way, the country is this policy, so please all the current account in the base of low places but in Beijing or Shanghai and other base of high places to work to pay attention to social security, you either in the west to pay social security, or in the retirement of the account before moving to Beijing or Shanghai, or else you are doing life a huge loss of money in the deal. Maybe you will say, if you pay in the base of the low place, when you retire back to the base of the high place to enjoy high benefits. Wrong! Do you think the Labor and Social Security Department will just let you enjoy it? Usually, the government will find a reason to refuse your transfer! You'll be too smart for your own good: you won't be able to enjoy it in Heilongjiang, and you won't be able to enjoy it in Nanjing either! However, some places have some moderating provisions for such a situation, for example, Nanjing allows you to transfer back to Nanjing from a place with a low base for 5 years before retirement, and then continue to pay the high base in Nanjing for another 5 years, after which you are allowed to return to Nanjing to enjoy your pension. This policy is estimated to be different in each place, there is a plan to transfer the best now to your local labor bureau to make this issue clear, lest the retirement time to happen when you unexpected accidents!

Medical insurance

Unit monthly payment to you is 9%, your personal monthly payment is about 2% plus 10 yuan of the major medical co-ordination, the major medical co-ordination only hospitalization, and that 11% of the state will be to your medical account every month to play your own 2%, if you pay social security every month in accordance with the minimum base of 1,369 yuan, then 1,369 x 2% = 27.38 Yuan. That is the country every month to your personal money, this money can be accumulated directly to the card to buy drugs or outpatient clinic, the remaining 9% of the country will be taken to the medical fund. According to the regulations, if you start to pay the medical insurance in January 2008, then from February 2008 you can use the card to buy medicines or go to the outpatient clinic, and from July 2008 you can be reimbursed for hospitalization expenses. If you were hospitalized on August 1, 2008, and stayed in the best tertiary hospital in Nanjing, and used medicines within the scope of medical insurance during your hospitalization, and spent 5000 RMB for surgery and hospitalization, then the medical insurance center will first deduct 1000 RMB for reimbursement, which is the starting price, and then reimburse 4000 RMB for reimbursement of 4000×86%=3440 RMB, and you only need to pay 4000×14%=560 RMB for reimbursement of hospitalization expenses. 4000 × 14% = 560 yuan can be, plus the previous 1,000 yuan starting price, you spent 5,000 yuan, you only need to pay 1,560 yuan can be, and this 1,560 yuan can also be deducted from your health insurance card (if you usually do not use the card), so in fact, you hospitalization does not cost a lot of money. Medical insurance is much more important to our young people than pension insurance, after all, hospitalization is too expensive, which is the meaning of participating in social insurance. However, the city of Nanjing stipulates that medical insurance must be paid for 25 years to be able to enjoy a lifetime after retirement, so if you are retiring at 55 years old, you will have to start paying for medical insurance at 30 years old at the latest.

Workers' Compensation Insurance

With little use, it is important to remember that if something happens to you while you are working or commuting to and from work, this insurance will come in handy. But in practice, many people don't pay attention to saving evidence when something happens, resulting in their inability to enjoy workers' compensation insurance, which is a pity. If you get hit by a car when you are off-duty, you should quickly call the police to investigate and record the police to take pictures to collect evidence, the police will give you an accident certificate or something like that, you can take this to the unit to request to report a work injury. If you have an accident and just let people run away and do not look for witnesses and do not report to the police and so on, that no evidence of the case will not generally be adopted as a work injury. There is a statute of limitations for work-related injuries, if you July 1, 2008 out of the work injury, then you must immediately report the unit, the evidence issued by the police and the accident identification certificate and you out of the work injury to see a doctor or hospitalized after the medical records to the unit, so that the unit to take these materials to do the identification of work-related injuries, your unit must be in August 1, 2008, before your effective material to the Work Injury Appraisal Center, if the distance from the day you out of the work injury. If the day of your injury is more than one month, the injury may not be identified. If your unit does not give you appraisal, then you can take the material to the appraisal center appraisal, it is best not to exceed one month, otherwise it will be very troublesome and troublesome.

Maternity insurance,

Nanjing from June 1, 2008 to implement the new policy. First, the reimbursement rate is increased; second, you must show your marriage certificate and health insurance card and other relevant documents when you build a card, all the expenses from the beginning of building a card to the end of the end of your child, the hospital with the health insurance center real-time settlement, the individual only need to bear the cost of maternity insurance is not insured. As for how the maternity allowance is paid out, you may still need the unit to handle it, you can consult the labor security department. Look at the old policy, because it is now July, the new policy stipulates that the card before June is still according to the old policy, may be some comrades still need to understand. For example, if you are a woman, with a monthly salary of 1,000 yuan, and you started paying maternity insurance on January 1, 2008, with a contribution base of 1,369, and you got pregnant in March 2008, gave birth at the end of December 2008, and were discharged from the hospital in January 2009, then after you were discharged from the hospital, you should quickly put your marriage certificate (which can't be reimbursed for children born out of wedlock) + one-child certificate (which can't be reimbursed for children born out of wedlock, generally speaking) + medical records + build a large and small card examination and hospitalization and surgical costs of all invoices + hospitalization list + discharge summary of all these materials to the company, if you are pregnant when the examination spent 500 yuan, when the birth of a child hospitalization + surgery spent 2000 yuan, in general, the company in the scope of the provisions of the health insurance can basically give you all the reimbursement, reimbursement of the money to you include: 500 yuan examination + 2000 yuan hospitalization + surgery + 1369 yuan. hospitalization surgery + 1369 yuan / month × 4 months = 7976 yuan, 1369 yuan / month × 4 months this is the health insurance center especially for the reimbursement of girls subsidies. Only girls can get to the reimbursement of the state regulations for girls reimbursement of maternity insurance must be given 4 months of average salary, so you have a child reimbursement not only do not spend money but also can earn 4 months of salary! If you pay a higher base amount than your salary, for example, if you pay 1,369 for 1,000 dollars, then you will also earn it. Maternity insurance should be paid for at least one year before you can enjoy it, remember that. There is also the question of whether a man who also pays for maternity insurance is eligible for maternity insurance. If you are a man, your wife does not work or work unit does not pay insurance, and she gave birth to a child when you pay maternity insurance has been more than a year, then you can also reimbursement of maternity insurance, but in the previous example, for example, you can only reimbursement of 500 yuan of examination fees + 2000 yuan half of the hospitalization and surgery costs = 1250 yuan, subsidies of 1369 yuan / month × 4 months of salary you can not enjoy! This is only girls reimbursement can enjoy Oh ~ the same cost, girls reimbursement can get 7976 yuan, boys reimbursement can only get 1250 yuan, this is probably one of China's rare "discrimination against men" policy. This is one of the few policies in China that discriminates against men. So, before a girl gives birth to a child, she'd better plan ahead and start paying for maternity insurance a year in advance, so she can earn money! And if a guy wants to marry a wife, he'd better marry a girl who has already paid a year's maternity insurance when she has a baby, and the base amount is higher than her own salary! However, if she really does not have insurance is okay, you can also reimburse her for maternity insurance, but you do not subsidize the 4 months of salary to take, and the cost of the report you can only get back half.

Unemployment insurance,

To pay a full year to enjoy, generally pay 1 year to get 2 months, pay 2 years to get 4 months, but a lifetime of up to 24 months. The monthly standard for unemployment insurance benefits in Nanjing is 601 yuan, and the minimum standard in the urban area is 518 yuan. If you start paying insurance on January 1, 2008, in January 2009 you were dismissed by the company, then you can let the company to give you 2 months of unemployment insurance, if the year you are to 1369 of the base payment of insurance, then you can get at least 2 months more than 1000 yuan or you start paying insurance on January 1, 2008, in January 2009 you and the company's contract expired, you all You do not want to renew the contract, then you can also leave the company before the company to give you to get 2 months of unemployment insurance, also more than 800 dollars. That is to say, the expiration of the contract or the company dismissed, you can be in accordance with a year to get 2 months of unemployment benefits rate to ask the company to do for you, if the company does not give you to do you can go to sue it, a lawsuit a quasi. But if you are not the expiration of the contract to resign, then even if you pay a full year will not enjoy the unemployment insurance as long as the resignation, not to mention the payment of 1 year, is to pay 10 years of unemployment insurance to the resignation of the time you can not get a penny.

Housing Provident Fund,

If you pay 300 dollars per month for the provident fund, then the company will also play 300 dollars per month to your account, when you buy a house this is 600 dollars. If you have paid 50,000 dollars in your life, then your account is 100,000 dollars, this kind of good thing we must not refuse ah. Provident fund can be used to buy a house, pay back the loan, renovation and so on, if you can find your own home land to build a house, the money to build a house can also be paid from the provident fund if you have not been using this money, and finally retired when it seems to be able to take out all the money. What should I do if I quit my job?

Five insurance: pension, unemployment, injury, medical, maternity

One gold: provident fund

Payment standard: pension (unit 20%, personal 8%)

Maternity (unit to pay)

Industrial injury (unit to pay, personal do not pay)

Medical (unit 10%, personal 2%*base +3)

Unemployment unit 1.5% individual 0.5%)

Provident fund (this year's maximum does not exceed 12% of the previous year does not exceed 10%, the unit individual half)

1. Pension insurance can be interrupted, interrupted in the middle of no matter what, the last is the cumulative number of years, but the more you pay, of course, the more the pension is also more pull. For the transfer procedures: in the old unit to play the transfer order, to the new unit to continue on the line

2. Unemployment insurance, although it must be paid, but we do not have much to do (if you are a graduate of the school, belonging to the status of cadres, files can be stored in the talent), breaks do not matter, we are unemployed can not receive unemployment benefits, unless crazy, cadre status to worker status, and then retired according to worker The following is a list of some of the most important things that you can do to help you. Unemployment insurance is only registered in the streets of the unemployed can apply for (worker status files in the streets, cadres in the status of talent or units)

Transfer formalities: do not have to go through, to the new unit to continue on the line.

3. Medical insurance is more important, the provisions of the interruption of more than three months will be invalid, three months after the visit to the doctor will have to pay for their own money, minor illnesses do not matter, major illnesses will be miserable, the interruption of more than three months to the new unit to re-enter.

Each on the health insurance has a passbook, lifelong use, regardless of whether the unit changes, the unit should be a certain percentage of the money into the passbook every month, individuals can withdraw at any time. The purpose of this is not important.

Everyone on the health insurance has a blue book, that is, the medical book, the medical provisions of the outpatient cost of more than 2,000 yuan part of the reimbursement, such as spending 2,500, only reimbursement of 500 of the 50-70% (hospitals are different, reimbursement ratio is different), if hospitalized to report on the more. When you visit the doctor, you should tell the hospital to open the bill of health insurance, and bring it with you when you are hospitalized.

4. Provident fund units to give you money and your own money are deposited into your provident fund account, such as wages of 3000 yuan, the unit to give you 300, you deducted 300, so your monthly provident fund account should have 600 yuan, can only be withdrawn once a year to go to the provident fund center to take, the need to buy a house or repair the house. You can do this by yourself or by entrusting the unit to do so.

Transfer procedures: first open an account in the new unit, take the account number to the old unit, so that the old unit to the original account of the money transferred to the new account.

The Provident Fund Center will send a statement to each employee in June every year, showing the amount of money in your account.

Additionally, around April every year is the time to adjust your pension/unemployment/medical base for the next year,

June every year is the time to adjust your provident fund for the next year.

There are some irregularities in the market now

1. Many units do not give insurance and provident fund according to their salary, for example, according to the average salary of the Beijing Municipal Government, the individual will be at a disadvantage. So when you are looking for a job, you need to ask.

2. Now many of the talents are stipulated in the pension and unemployment and serious illness is bundled, either not on, or all together, and must be archived in the talent only to give on. If the individual in the talent, you must put the unit of money and personal money are their own payment, quite a lot, according to the minimum standard, it is said that the monthly payment of more than a thousand, and there is not much money to the personal account, it is recommended that if you are relatively young, the body is okay, just temporarily unemployed, do not have to pay for their own, and then later to the unit on it.

3. Rich people can not on the pension insurance, the poor best on, counting on a bit of money for old age. Some people say that they save, but the state still has a guarantee for the pension, and will be adjusted according to the economic situation.

4. Some units to the file is not in the unit, do not give on, is not right, because the file and insurance is not linked

5. Foreign account of the same, should be given to all the insurance and provident fund, and the account has nothing to do with the future if you go to other cities, are available to transfer

Extension of the readings: insurance how to buy, which is good, the hand teach you to avoid the insurance of these "

These are the most important things that you can do to help your family.