What is the payment proportion of five insurances and one fund in 2018? Calculation method of five insurances and one fund in 2018
4hw.com.cn: five insurances and one fund is a social welfare guarantee in China. With the entry of the era of national social security, many people want to know more about social security. Do you know how much five insurances and one fund will be paid each month in 2018 and how much money will be taken for retirement? Let's take a look at it together!
Payment proportion of five insurances and one fund
The proportion of endowment insurance payment can be divided into two categories: enterprise insurance and individual worker insurance: (1) all kinds of enterprises pay 21% of the total wages of employees, employees pay 8% of the base of individual payment, and the part that employees should pay is withheld and remitted by enterprises. （2） Individual workers, including individual businesses and freelancers, pay 18% of the payment base, all of which are borne by themselves.
The latest payment proportion of five insurances and one fund in 2018
The medical insurance payment proportion unit pays 9% for you every month, and you pay 2% for yourself plus 10 yuan for serious illness co-ordination (major illness co-ordination is mainly in charge of hospitalization). The unit pays 2% for you and 1% for yourself every month. Those who have participated in unemployment insurance in accordance with the regulations and have fulfilled their obligation of payment for one year; those who have not interrupted their employment due to their own will; those who have gone through unemployment registration and have requirements for employment can get unemployment insurance.
Proportion of payment of maternity insurance the maternity insurance premium shall be paid by the employer on a monthly basis, and the individual employee shall not pay the maternity insurance premium. The employer shall take the base number of the basic endowment insurance premium paid by the employees as the base number of the maternity insurance premium, and pay the maternity insurance premium in the proportion of 0.5% to 1%. The proportion of payment can be adjusted according to the economic development and the use of maternity insurance fund. The work injury insurance payment proportion unit pays 0.5% for you every month, and you don't need to pay any money yourself.
Housing fund, the unit pays 8% for you every month, and you pay 8% for yourself. There are different regulations in different places of housing accumulation fund. Generally speaking, the housing accumulation fund that individual needs to pay every month is 8% to 13% of wage base, and some places will be higher. Strictly speaking, the housing fund is not allowed to exceed the proportion prescribed by law, but some units will take higher housing fund as a commitment in order to attract talents.
In any case, in most cities of our country, the payment proportion of five insurances and one fund is more than 40% of the total wage, so it can be seen that five insurances and one fund have a great impact on the working people.
Generally speaking, the payment proportions of five insurances and one fund are as follows:
1. Endowment insurance: unit 20% (all transferred into the overall planning fund), individual 8% (all transferred into the individual account).
2. Medical insurance: unit 8%, individual 2% + 3 yuan
3. Unemployment insurance: Unit 2%, individual 1%;
4. Work injury insurance: the unit pays 1% for you every month, and you don't have to pay a cent yourself;
5. Birth insurance: the unit pays 1% for you every month, and you don't have to pay a cent yourself;
6. Payment proportion of provident fund: select the payment proportion of housing provident fund according to the actual situation of the enterprise. However, in principle, the maximum payment shall not exceed 10% of the average wage of employees.