pension insurance:
generally have to pay at least 15 years to retire to a pension for life, so be sure people want to take pension before retirement in their 15 years began to pay. If the retirement age is under 15 years of pension pay, then wait until you retire, when countries will keep your personal account for 8% of all pension back to you. That unit you pay 21% go? State the units for you to pay 21% of all the money designated to the state pension fund in the co-ordination. State, when the refund back only to the withholding of the individual's own money, to pay the money for his units all contribute to the country. Retirement when the pension is how come. The algorithm is very complex pension, the state base pay every year to change once: If you are 30 years of age, your current base pay is 3,000 yuan, while the retirement age is 55 years old if, then you must be 40 years of age you before the start to pay pension insurance, and if you start from the 30-year-old cross, handed the 55-year-old is 25 years, then surely you can enjoy the pension first, and secondly, if you pay after 25 years of 3000 to pay fee base has become 6000, 55 years old you can get the first month 6000 × 20% = 1200 block of basic pension, which is to your country, in addition to your personal account on the money in 25 also accumulated a lot of years, the average contribution base look good, (3000 +6000) ÷ 2 = 4500, then 25 years you this personal account should have 4500 × 8% (you pay personal pension ratio) × 25 years × 12 months = 108 000 dollars, in addition to other pre-1200 you can get a month 108000 ÷ 120 = 900 blocks, the age of 55 a month so you can get at least 1200 +900 = 2,100 yuan of pension, of course, each country's base still go up, so besides your own 900, you get every month after retirement, more money than 1200, of course, that your pension will pay more so that the better old-age insurance to pay, the more you pay after you retire to enjoy the more, and the state each year to adjust after you get the money base will be more and more Now take 1500 years after the 1000 pay are possible. However, no matter where you pay social security fees, etc. When you retire you can only return to your permanent residence enjoy the local retirement benefits, so in areas of high base pay social security retirement back to the low base, but the place to enjoy the pension people would be a big loss. Why? If you are a young man in Nanjing work, pay social security for 20 years and then retired, but if your account in Heilongjiang, Heilongjiang, you must return to a pension if you pay in Nanjing 20 years The average base is 3000, and when you retire until 1000, Heilongjiang's base pay, then you can enjoy retirement when the treatment of 1000! This is loss of! words, if you pay social security but in the rich parts of the retirement poor place to enjoy the time back to Social Security, you pay a lot, but to enjoy life's little! Exchange 3000 may only enjoy 1000! This is a terrible thing, but no way, the state is this policy, so all current accounts However, in areas with low base in Beijing or Shanghai, where the base work to pay high attention to social security, and you either pay social security in the West, or in retirement accounts before the move to Beijing or Shanghai, or else you're doing one of life's pen huge loss this deal. Perhaps you will say, if a place in the low base pay, retired back to base when a high place to enjoy high welfare. Wrong! You think the labor security department will let you enjoy casual it? General this case the Government would find a reason to reject you directly to transfer! That time you s wisdom wrong: in Heilongjiang not enjoy, in Nanjing also can not enjoy! But some places, such as the situation has eased some of the provisions, such as Nanjing, allowing you to retire five years before the place back from a low base in Nanjing, then continue to pay 5 years in Nanjing, Nanjing, high base, after allows you to enjoy the pension back to Nanjing and this policy is estimated that every place is different, there are people who intend to transfer the best go now to your local labor bureau to find out the problem, so your retirement occurs when an unexpected accident!
medical insurance
units per month to your pay is 9 percent, pay your monthly personal about 2% plus 10 dollars of serious co-ordination, just serious co-ordination hospital, and that 11 per cent in the country every month to your Medicare accounts to play on your own 2%, according to 1369 yuan per month if you are a minimum base pay social security, then 1369 × 2% = 27.38 yuan. Is the national monthly call your own money, this money can be accumulated credit card directly to buy medicine or see out the remaining 9% of the country count on to take in the medical pool fund. As a rule, if you start from January 2008 to pay medical insurance, then starting from February 2008 to buy medicine or credit card you can see out, starting from July 2008 the cost of your hospital can be reimbursed. If you August 1, 2008 in the hospital, lived in Nanjing, the best three hospitals, health care during hospitalization are used within the scope of medicine, surgery + hospitalization and other expenses spent a total of 5,000, then when the reimbursement First Insurance Center 1000 deduction, which is the starting price, the rest of the 4000 health-care centers are reimbursed for 4000 × 86% = 3440 dollars, as long as you personally pay 4000 × 14% = 560 yuan can, plus 1,000 yuan before starting, you spend 5000 to pay 1560 yuan on their own as long as can, and this 1560 yuan can buckle from your health insurance card (if you usually do not use that card), so in fact you can not spend much money hospitalized . Medical insurance for our young people more important than old-age insurance, hospital doctor, after all, it is too expensive, and this is the significance of social insurance. However, Nanjing provides medical insurance must pay at least 25 years to enjoy life after retirement, so if you retire at age 55, then no later than the age of 30 must begin to pay health insurance.
injury insurance
with less, if you need to be reminded that when at work or to work out what happened when, on the lingua franca of the risk. However, in practice, many people pay no attention to the preservation of evidence out of trouble, resulting in injury can not enjoy their own insurance, this is a great pity. If you work when they were hit by a car, that should start alarm, let the police to investigate the record and photograph collection of evidence, the police will give you processed after the accident to open a Certificate of Authenticity and the like, you can take this to requests for reported a work-related injuries. If you have trouble on the run and not just people looking for what the witness does not alarm, that no evidence in the case will not be adopted as the general work-related injuries. Injury there is a statute of limitations, if you sunrise July 1, 2008 work injury, you must immediately report the unit, the evidence from police and accident related injuries identified after the book and you go to a doctor or a hospital medical records to the unit, called the unit holding the identification of these materials to do work-related injury, your unit must be August 1, 2008 effective material before your injury to the testing center, if you are out of work-related injuries from the day more than a month oakley military discount, and that injury may identification is not up. If you do not give you identification of units that can hold your own center identification materials to identify the best and do not exceed one month, otherwise a lot of trouble a lot of trouble.
maternity insurance,
Nanjing from June 1, 2008 from the implementation of the new policy. First, increase the proportion of reimbursement; the second is when the cards must present a marriage certificate and medical insurance cards and other related documents, all of the costs of the cards from the beginning to the end of your birth child, the hospital medical center with real-time settlement, individuals only need to take fertility Insurance costs are not insured. As for the payment of maternity benefits may still need to apply for units to come forward, you can consult the specific labor and social security department. Look at the old policy, because it is in July, before the New Deal the cards in June provided the still by the old policy implementation, some comrades may also need to know. For example, if you're a girl, a monthly salary of 1,000 yuan, January 1, 2008 began to pay maternity insurance, payment for the 1369 base, and you pregnant in March 2008, end of December 2008 gave birth to a child, 2009 discharged in January, then you have to rush to hospital after a marriage certificate (an unmarried mother can not be reimbursed) + one-child certificate (general health can not be reimbursed 2 tires) + medical + hospital building size card check and the cost of all invoices and surgery + list + hospital discharge summary of all materials submitted to these companies supra tk society white, check if you are pregnant radii 420 piped, when it took 500, hospitalized children when surgery took 2000 +, in general, within the provisions in health insurance is basically to You all claims, claims the money after you include: 500 block of hospital inspection fees surgery +1369 +2000 Yuan / month × 4 months = 7976, 1369 yuan / month × 4 months this is especially for the reimbursement of health care centers girls subsidies. Only girls can get reimbursement to the state of maternity insurance reimbursement when girls must be given four months of average wage, so you have children, then not only claims but also can not earn money four months of wages! If you base pay than high wages, such as pay to get 1000 is 1369, then you have earned it. Maternity insurance to pay at least a year to enjoy, remember remember. There is also a problem, the boys also pay maternity insurance, maternity insurance can enjoy? If you're a boy, your wife did not work or work units did not pay the insurance, and her children when you pay maternity insurance has more than one years, then you can be reimbursed maternity insurance, but before the case, for example, you can only be reimbursed 500 inspection fee +2000 block half the inpatient surgery = 1,250 yuan subsidy of 1369 yuan / month × 4 months' wages you will not enjoy it! This is only reimbursed when girls can enjoy the same spending oh, reimbursement will be able to get 7976 girls, boys can only get 1250 for reimbursement, which is probably rare in China, policy. So, the girls plan to have children before the best bit, starting to find a unit to pay a year ahead of maternity insurance, you can make it! And boys if you marry my wife, it is best when children married a year already paid maternity insurance and pay the base salary is also higher than her own girl Oh! but if she is not insurance, it does not matter, you can give her maternity insurance reimbursement, but you do not pay subsidies to take four months, but the newspaper only cost you could get back half.
unemployment insurance,
to pay a full year to enjoy, generally pay a year to take 2 months to pay 2 years get 4 months, but a lifetime to get up to 24 months. Nanjing unemployment insurance standard 601 yuan monthly urban minimum standard is 518 yuan. If you January 1, 2008 began with Insurance, January 2009, you are dismissed by the company, then you can allow the company to get you 2 months of unemployment insurance, if you are in the year 1369 base pay insurance, then you can get at least 2 months more than 1,000 dollars or you January 1, 2008 began to pay the insurance, in January 2009 and the company you contract expires, and you do not want to renew the contract, then you can also allow the company to leave the company before you pick up 2 months of unemployment insurance is more than 800 pieces. That contract expires or the company laid off, you can get 2 months of the year according to the ratio of unemployment to require companies to give you to do, if the company does not give you do you can go to report it, a report a prospective. But the contract did not expire if you resign yourself go, that even if you pay full year are not entitled to unemployment insurance as long as his resignation, let alone pay for one year, that is, 10 years to pay unemployment insurance to resign when You can not get a penny.
Housing Fund,
If you pay 300 a month fund, then the company has to your account every month to play 300, you buy a house that is 600 a. If you have a lifetime to pay 50,000, you account is 100,000, and we must not reject such a good thing ah. Fund can be used to buy a house, the loan, renovation or something, if you can find their own home land to build a house, build a house for the money that can be paid from the fund in this if you do not have money, looks like you can finally retire the money all taken out
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