Standards for individual social security contributions vary from place to place, and are generally paid according to grades. Taking the individual social security payment standards in Zibo City as an example, the pension insurance payment standards are divided into three levels:
1. The third level: 7627.20 yuan;
2. The second level: 10171.20 yuan;
3. First level: 12,712.80 yuan;
The basic medical insurance payment standard is: the basic medical insurance premium is 3,366.20 yuan, of which 188 yuan is the large medical assistance fee.
How to pay for personal social security
Most of the time social security is handled by our work unit. If we do not have a work unit, the ways for individuals to pay social security are as follows: :
If you don’t plan to develop in your hometown and you don’t have a job yet, you can call a social security payment agency to sponsor employee social security. You will enjoy the same welfare benefits as the social security paid by your workplace.
The most common way for individuals to pay social security is to pay flexible employment social security and resident social security directly at the place of residence. However, it should be noted that payment must and can only be done at the place of residence. Most cities now do not allow it. People registered in other places pay these two kinds of social security locally.
The difference between social security and five social insurances and one fund is:
1. Different concepts: Social security is the abbreviation of social insurance, which refers to pension insurance, medical insurance, maternity insurance, unemployment insurance, There are five types of work-related injury insurance. Five insurances and one fund refer to pension insurance, medical insurance, maternity insurance, unemployment insurance, work-related injury insurance and housing provident fund.
2. Different scopes: Social insurance only includes five types of insurance, including pension insurance, but five insurances and one fund also include housing provident funds. That is, the five insurances and one housing fund include social security. Social security is what we call the five insurances every day. The five insurances and one fund are just one more provident fund than social security.
Five major benefits of five insurances and one fund:
1. The more an individual pays, the more the unit will invest for you. The five insurances and one fund payment are based on the same base and different proportions are borne by the unit and the individual. The unit payment is about twice the individual payment.
2. By paying work-related injury insurance, you can get compensation when you encounter work-related accidents or occupational diseases. You are not afraid of 10,000 yuan, just in case, especially for some major accidents, and you don’t have to worry about small companies delaying payment of benefits. Moreover, work-related injury insurance premiums are entirely borne by the employer.
3. The payment of housing provident fund is equivalent to the unit depositing a tax-free income in the same proportion as you, which can be withdrawn for housing-related purposes. If it is not used up while working, it can also be withdrawn in one go after retirement; In addition, housing provident fund loan interest rates are lower than commercial loans.
4. After the implementation of the pension insurance payment system that combines accounting and accounting, the actual payment period of social insurance has become the most convincing proof of the company’s length of service. There are more and more times when proof of social security payment is needed, such as proving seniority in society to confirm the number of days of paid annual leave, for example, when real estate control is required, loans require payment of local social security for more than one year, etc.
5. Don’t worry too much about inflation or currency depreciation, because pension benefits are calculated and distributed in two parts. Personal account pensions are completely formed by personal contributions, and this part will exist like bank deposits. Inflation risk; but the basic pension part is linked to the local social average salary and the individual indexed average salary, which is itself anti-inflation; and after retirement, the capital will be increased every year according to the local economic level. The more you contribute and the longer you contribute, the higher the level of pension benefits after retirement.
Legal Basis
"Social Insurance Law of the People's Republic of China"
Article 4 Employers and individuals within the territory of the People's Republic of China Pay social insurance premiums in accordance with the law, have the right to inquire payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.
Individuals enjoy social insurance benefits in accordance with the law and have the right to supervise the payment of contributions by their units.
Article 2 The state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and other social insurance systems to ensure that citizens receive material assistance from the state and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc. rights. Article 5 People's governments at or above the county level shall incorporate social insurance into national economic and social development plans.