Five insurances and one fund is the guarantee for workers. Every day they go to work to complete their work tasks for their wages. In order to support their families, if the industry fails, they will have to lose their jobs. Once they are unemployed, the five insurances and one fund is one of their own unemployment protection. How about the five insurances and one fund? How much is the proportion of five insurances and one fund? Let's learn about it.
Reference standard for payment proportion of five insurances and one fund
1. The proportion of individual payment of endowment insurance: 8%; the proportion of unit payment: 20%.
2. The proportion of individual payment of medical insurance: 6%; the proportion of unit payment: 6-10%.
3. The proportion of individual payment of unemployment insurance: 0.5-1%; the proportion of unit payment: 1.5%.
4. The proportion of individual payment of industrial and commercial insurance: 0; the proportion of unit payment: 0.5-1.2%.
5. The proportion of individual payment of maternity insurance: 0; the proportion of unit payment: 0.8%.
6. The proportion of individual payment of housing provident fund: 10-12%; the proportion of unit payment: 10-12%.
The payment proportion of each place shall be subject to the data published by the local social security department. If you are not sure about the current payment proportion, you can dial the social security hotline 12333 for inquiry.
How to calculate five insurances and one fund
In addition, the payment base of five insurances and one fund is generally determined according to 60% - 300% of the average wage of the previous month. For example, if the average wage of the previous month is 300% or more higher than the average wage of local employees at the end of last year, the payment base of five insurance and one fund is calculated according to 300% of the average monthly wage. If it is lower than 60% of the average wage of local employees at the end of last year, the payment base shall be calculated according to 60% of the average monthly wage. If the average wage of local employees is between 60% and 300% at the end of last year, the payment base of five insurances and one fund shall be declared according to the actual wages.
The five insurances and one fund payment standard is given above, but each employer has its own financial system, and it is normal that there is a discrepancy between the standard and the standard. Xiao Bian has friends in a company where employees pay 300 yuan and the company pays 300 yuan. It can be seen that if you want to know the specific proportion, you should ask about the company's finance.