外地人在上海交社保的事情(很重要)（Foreigners pay social security in the thing (very important)）

外地人在上海交社保的事情(很重要)（Foreigners pay social security in the thing (very important)） 外地人在上海交社保的事情(很重要)(Foreigners pay social security in the thing (very important)) Things that outsiders need to know in Shanghai. (very important) I find that people pay great attention to the social insurance they pay But attention doesn't mean understanding, and it's not clear what kind of insurance you're going to pay for, and how you're going to use it In order to make people aware of and understand their rights and interests, so as to better protect themselves I experienced strong woman and social security. But the wind corridor -- decided to open this social security knowledge in the cloud popular posts I hope we can use the knowledge and the ability to easily answer ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ social security problems we do not quite understand First of all, we should realize that social insurance is a better insurance than commercial insurance. The reasons are as follows: 1. social insurance is a national welfare undertaking that is not for profit purpose, and commercial insurance is for profit. Generally speaking, the commercial insurance charge is much higher than the same standard social insurance 2. social insurance should be more than the ordinary commercial insurance, commercial insurance or pension insurance generally, social insurance generally can also guarantee five insurance, and medical in this one, the advantage of a very prominent social insurance The standard of social insurance have increased 3. per year in the non-stop, countries every year at the beginning of July will be adjusted in accordance with the basic wage of workers social security base, and adjust the proportion is very high, the general annual increase of more than 10, that is more in the future with more money, is the biggest advantage of doing so can eliminate the impact of inflation the relatively small, and even commercial insurance will also adjust the return, but generally no longer than social insurance rose faster said In a word, the students who have not participated in the social insurance have been invited to participate in the social insurance. The students who have already participated in the commercial insurance but who have not participated in the social insurance are also invited to participate in the social insurance Sister unemployed, seek nurturing! Reply quote, voice of Pujiang radio anchor and you close interaction, looking for fashion people and radio DJ share your fashion Valentine's day, loudly say love to win 18 gold K lovers on the ring TOP Mousse Ordinary user Level: Nursery UID:332746 Essence: 16 Posts: 692 Points: 10791 Registration time: 2009-03-23 Send a message to friend see ZhuTie view data published: 2009-05-05 14:07 a 2F so, social insurance is how the specific form? Now the students find work often hear or full insurance unit to pay five social insurance and one housing fund, yes, that is the willingness to pay social insurance for you, but according to the provisions of the state to pay part of the unit at the same time you have to pay a personal part, which involves the social insurance and the proportion of the various problems provinces and cities have their own standards and are not the same, but generally is not too bad, which I live in Nanjing city as an example: Social insurance = endowment insurance + medical insurance + unemployment insurance + work injury insurance + maternity insurance + housing accumulation fund (Note: the above five social insurance and one housing fund may practice is different in each area of your unit may not make all of you pay five social insurance and one housing fund, such as Nanjing, some units do not give workers pay medical insurance and pay only the remaining four insurance payments, some units do not pay the provident fund and pay only five insurance, so you must clear your units in the end you pay what insurance and whether to pay provident fund)! The proportion of social insurance is as follows: Endowment insurance: the unit pays 21 for you every month, you pay 8 by oneself; Medical insurance: the unit pays 9 for you every month, your own pay 2 plus 10 dollars of serious illness overall plan (serious illness overall plan mainly manages the hospital this piece); Unemployed insurance: the unit pays 2 for you every month, you pay 1 by oneself; Work injury insurance: the unit pays 0.5 for you every month, you don't pay any of your own money; Maternity insurance: the unit pays 0.8 for you every month, and you don't pay any of your own money; Housing accumulation fund: the unit pays 8 for you every month, you pay 8 So, that's it, The proportion of social insurance paid to you every month should be 21+9+2+0.5+0.8+8=41.3 Your monthly social security ratio for you should be 8+2+10 block +1+8=19+10 block Temporarily removed 10 dollars you turn aside, and you pay the proportion of units to pay the proportion should be 413:190, that is to say if you each month for their social security pay 190 dollars, then the unit will go to your social security account hit 413 dollars each month, increase your social security account money it should be 413+190=603 yuan So in case you can not see, the unit to pay the cost of social security is 2 times more than you, so when your monthly pay social security fees do not distressed ah ~ you know more than you pay the unit, the unit is actually -- love Ah ~ back to the full and five social insurance and one housing fund, here we should have seen it, in fact, said on the river is completely full five social insurance and one housing fund, only full insurance is from your personal pay insurance (pension + medical + unemployment + provident fund), insurance five gold from your unit to pay the insurance (pension + medical + + + + family injury unemployment. The full insurance fund) is said to five social insurance and one housing fund is just say it nicely. In addition to the unit for you to pay social security, in fact, did not work but have income students or units but the units do not pay social security of students also can pay their own social security, but people can only pay endowment insurance and medical insurance, work-related injury ah ah ah ah you have unemployment fund can not afford to pay to the person Sister unemployed, seek nurturing! Reply quote, voice of Pujiang radio anchor and you close interaction, looking for fashion people and radio DJ share your fashion Valentine's day, loudly say love to win 18 gold K lovers on the ring TOP Mousse Ordinary user Level: Nursery UID:332746 Essence: 16 Posts: 692 Points: 10791 Registration time: 2009-03-23 Send a message to friend see ZhuTie view data published: 2009-05-05 14:08 only the 3F above describes the composition and proportion of social security, following the introduction of what is the base pay social insurance. Now the students already know each month for the unit to pay social security and you pay the proportion ratio is nearly 413:190, so now it is a problem: their monthly social security costs and what is the relationship between the proportion of social security fees, in the end is how determined? You may have noticed, in various provinces and cities every year will release a "minimum base pay social insurance" in early July, the base is based on one year the average wage of workers + welfare + subsidies mixed costs through statistics and calculations to determine the minimum base in Nanjing announced in July this year is 1189 yuan. This is what does it mean, mean Nanjing as long as it is normal for the workers to pay social security units, each month for each employee to pay the money for a minimum of 1189 * 41.3=491 yuan, while employees at least a month to pay 1189 yuan * 19+10=236, so you should pay the social insurance premiums and units per month to come out But now out of the new problem, Nanjing workers wage difference is great, some people take 1000 a month, someone can get 10000 a month, can not be called 1000 and take 10000 of the same social security fees? Please note that this is the 1189 lowest base, above 1189 and the highest base, Nanjing's highest base this year seems to be more than 8000, I have forgotten, anyway, if you pay each month at 1189 yuan, the unit must also be in accordance with the 1189 yuan for you to pay 1189 x 41.3= 491 yuan, and you at least a month you will have to pay 1189 x 19+10=236 yuan, this is 1189 as the minimum social security contribution base meaning: even if you get 1000 or 800 pieces, your monthly minimum must be in accordance with the 1189 pay! But if you pay more than 1189 higher, for example, you get 3000 dollars, when the unit to the Bureau of labor insurance (you pay your units and you pay social security costs are labor bureau buckle Oh ~ ought to) the labor bureau said: "ah, Here we have a comrade a month to take 3000, please follow the 3000 dollar standard to buckle. "Then the Labor Bureau of social insurance premiums will be 3000 blocks for the base pay to deduct your units and your money and hit your social security account, you should make this unit a month of 3000 * 41.3= 1239 yuan for you, and your personal monthly pay 3000 yuan to * 19+10=580 It is said that if you pay 1189 yuan every month, then you will follow the 1189 pay; if you pay more than 1189 yuan, so each month you according to your actual wage, unless your salary is higher than the highest base, if you take a month and the high base number is 10000 8000, you and your units are in accordance with the 8000 pay Here to expose some of the company's shameless practices, these companies may give you thousands of monthly wages, but when they go to the labor bureau to declare your base and not in accordance with the actual wage you go to the newspaper, for example, if you take 3000 dollars each month, they can go to the labor Bureau said you only take 1189. Then the labor bureau every month you buckle 1189 x 19+10=236 yuan, I'm afraid you are very happy, because you think you buckle less money, you actually get more money Wrong! If your company is too outrageous! Because companies pay your money is more than 2 times, so you pay the less they pay less! If according to your actual wage of 3000 to count, they should give you each month to pay 3000 x 41.3=1239 yuan of social security fees, and in accordance with the 1189 to count, they each month for you only pay 1189 yuan * 41.3=491! So you actually suffered! The normal company will only according to your actual wage to the Labor Bureau declared and then deduct money! Only those under the company that no matter how much you pay in accordance with the minimum standards for you to do!! don't think every month your social security fee deduction is the less the better!! may you have been shamelessly bullying company and you are still completely unaware!!! To determine the unit for you in the end what is the base pay is very simple: if you every month 300 dollars of social security, then your base is about 300 / 19 is 1578 yuan, you look at your salary is not the number, if you pay significantly higher than in 1578, for example, every month you get 3000 or 4000. It must have been you to bully, you can go to the local labor supervision brigade to your unit to be bullied, generally come to an accurate, but the best in when leaving the evidence (such as wages, etc.) to find good to accuse, or you tell in the company after the general hunbuxiaqu. -- Again, that is, each of the local social security proportion is not the same, if you are not in Nanjing the proportion of payment you probably not 19, but certainly not bad too much, such as your base may be 20 or 22, but it is not 30 or 40! So even though 19 is in Nanjing than in cases but the foreign students can also rely on this probably figure out your base Sister unemployed, seek nurturing! Reply quote, voice of Pujiang radio anchor and you close interaction, looking for fashion people and radio DJ share your fashion Valentine's day, loudly say love to win 18 gold K lovers on the ring TOP Mousse Ordinary user Level: Nursery UID:332746 Essence: 16 Posts: 692 Points: 10791 Registration time: 2009-03-23 Send a message to friend see ZhuTie view data published: 2009-05-05 14:08 a 4F = social insurance pension + medical insurance + + injury insurance maternity insurance and unemployment insurance + housing provident fund Old age insurance is fine This insurance is generally to pay over 15 years to retire to enjoy life pension, so I want to take the pension students please in his retirement before 15 years ago, the outside Nanjing is similar provisions If you go to retirement age and pay the pension insurance for less than 15 years, when you retire, the state will refund 8 of the pension you have on your personal account So, you ask, where's the 21 place that the unit handed you? You can't expect the country to give it to you, after you retire and take your personal money away, The state has paid 21 of the money you have paid to the state pension fund, and the money has nothing to do with you You might say, "I rely on you! That's my money. Why don't you give it to me?" Because the country is so specified -- Refund when only returned to his own personal deduction personal money, unit to pay for his money all contribute to the country -- the Now let's see how you get your retirement pension The pension algorithm is very complex, because the state every year the payment base change, for example: well when you're 30 now, your base pay is 3000 yuan, but if the retirement age is 55 years old, then you must be 40 years old before you begin to pay old-age insurance, and if you are from the age of 30 began to turn over to 55 years is 25 years, the first sure you can enjoy the pension, secondly, if 25 years after you pay the $3000 payment base has been changed to 6000 blocks (I mean if you are 55 years old), the first month get the basic pension of 6000 * 20=1200, this is the country to you, besides your personal account money in 25 years has accumulated a lot of, the average payment base well, (3000+6000), 2=4500, then you 25 years of personal accounts should be 4500 * 8 (you pay part of the old-age insurance personal ratio Cases) x 25 x 12 months =108000 yuan, then in addition to the previous 1200 blocks each month you can get a 108000 / 120=900 block, at the age of 55 every month so you can at least get 1200+900=2100 yuan pension, of course, the annual national base was still rising, this year in addition to 900 pieces of your own, you after retirement, each month will get more than 1200 pieces of money, then your pension will certainly more and more So to pay old-age insurance to pay better, you pay more after you retire to enjoy it more, and adjust the base country every year after you take the money will be more and more, now pay for 10 thousand years with 1500 are possible Here we introduce a metamorphosis of the policy is no matter where you pay social insurance premiums, when you retire you can return to your account for the location of retirement benefits, so the local view, but back to the low base pay social security retirement pension in place to enjoy the high base of local people then big loss and why? Let me give you an example, if you're young in Nanjing, with over 20 years of social security and retirement, but if your account in Heilongjiang, then you have to go back to Heilongjiang to enjoy the pension. If you average base in Nanjing in 20 years is 3000 (I say is if), but when you retire in Heilongjiang only 1000 of base pay (I mean if), then you can only enjoy the retirement pay of 1000! This is very good! In a word, if you pay social security in the rich place but retired back to the poor Place to enjoy social security, that many of you for a lifetime to enjoy but rarely! Hand over 3000 pieces may only enjoy 1000! This is a terrible thing, but no way, this is the national policy, so please all the current account in the western low base place but work in Beijing or Shanghai and other places with high base the students pay attention to pay social security, you either in the west to pay social security, or before the retirement accounts to move to Beijing or Shanghai, or you are doing a huge loss of the sale of life Perhaps you will say, if my account in Nanjing, then I in Heilongjiang in 20 years not to be good, in the base region of low pay, retired back to the base of high places to enjoy high welfare. Wrong! You think Nanjing City Labor Bureau will casually let you enjoy?! the general situation of Nanjing will find a reason to refuse you directly! You'll Cleverness may overreach itself.: can not enjoy in Heilongjiang, in Nanjing can not enjoy! But in some places on this situation has provided some relaxation, such as Nanjing allow you in 5 years before retirement from the low base place back to Nanjing, the high base in Nanjing to pay for 5 years in Nanjing, it only allows you to return to Nanjing. The pension policy of all local estimates are not the same, In the future, the students who are going to transfer, you'd better go to your local labor bureau to make sure of this problem, so as to avoid unexpected accidents when you retire!