养老保险的个人和单位支付比例是多少?

我们都知道,支付养老保险不是完全自筹资金,也不是公司的全部资金。个人和单位有贡献率。让我们来看看个人养老保险与个人保险的比率。

养老保险个人与单位缴费比例

(1)企业出资额=企业职工薪酬总额×20%;个人员工缴费金额=核准缴款基数×8%(目前为8%);

(2)个体工人(包括个体工商户和自由职业者)的缴费额=核定缴费基数×18%。例如,2002年,河北省宣布2002年省级社会工资为每月747元,因此支付基数可在747至2241元之间独立选择。年度出资额至少为:747×18%×12=1613.5元,最高为:2241×18%×12=4840.6元。

其中:缴费比例分为两类:企业保险和个人劳动保险:(1)各类企业支付员工工资总额的20%,员工支付个人缴费基数的7%(2003年)是7)%,两年内增加一个百分点,最后增加到8%)。部分员工的会费应由企业代扣代缴。 (2)个体工人,包括个体工商户和自由职业者,缴纳18%的缴费基数,所有这些都由他们自己承担。

招商银行保险提醒,批准的支付基数是根据该省去年的员工平均社会工资(简称省级社会工资)计算的。 (1)如果企业职工的工资低于省级社会工资的60%,则支付的基数为60%;如果工资高于省级社会工资的60%,支付基数应按实际工资收入核定,但最高不得高于省级社会。平均工资的300%。 (2)个体工人可以独立确定省级社会工资范围内的缴费基数,最高可达300%。

商业养老保险投保常识

1: In fact, each insurance company will have about 5,000 yuan of protection for severe illness + accident insurance, and the annual premium can not exceed 20% of the family's annual income.

2: As far as possible, the insurance portfolio should be comprehensive and can be reimbursed according to the protection of critical illness + accident + hospitalization expenses + hospitalization allowance type of pension insurance. The coverage of insurance coverage is as much as possible. Generally there are 25 kinds of severe illness protection.

3: The payment period can be determined according to the individual's financial ability and preferences. According to your age group, it is recommended to use the payment period of about 15 years. Of course, the same payment amount, the delivery period is longer, and the pension is more. More. You can choose a flexible type of payment period.

4: In terms of pension collection, it is generally recommended to choose the type of insurance that can be collected at any time according to the actual situation in the future. Generally, do not choose how many years are fixed, how much can be received, and how much can only be received each time. /p>

5: The general recommendation is to choose a type of insurance that guarantees lifelong type. People are not as good as days, and now living conditions are getting better and better, more and more than 80 years old. 儿童保险

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