How to master the calculation knowledge of three insurances and one gold and calculate it？ What are the methods for calculating three insurances and one gold？
In today’s society, three insurances and one gold are closely related to our lives. Mastering the calculation knowledge of three insurances and one gold can not only make us clear about our income composition, but also be aware of it when planning our life and managing our finances. So, how can we master the calculation knowledge of three insurances and one gold and calculate it? The following is a detailed introduction for you.
Three insurances and one gold mainly include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund. Its calculation method is usually related to personal wage income and the local payment ratio. The proportion of payment may be different in different regions. Generally speaking, the proportion of payment will fluctuate within a certain range.
First of all, look at the calculation of endowment insurance. The payment of endowment insurance is generally shared by units and individuals. The proportion paid by the unit is usually around 16%-20% of the total salary, and the proportion paid by the individual is generally 8%. The calculation formula is: unit payment amount = individual salary × unit payment ratio; Individual contribution amount = individual salary × individual contribution ratio. For example, Xiao Li’s monthly salary is 5,000 yuan, the local unit’s pension insurance payment ratio is 16%, and the individual’s pension insurance payment ratio is 8%, so the unit’s monthly pension insurance payment for Xiao Li is 5,000× 16% = 800 yuan, and Xiao Li’s individual pension insurance payment amount is 5,000× 8% = 400 yuan.
Medical insurance is calculated in a similar way. The proportion of unit payment is generally 6%-10%, and the proportion of individual payment is about 2%. At the same time, there may be a small amount of serious illness co-ordination costs. Take Betty Wong’s salary of 6,000 yuan as an example. The local unit pays 8% of the medical insurance, and the individual pays 2%. The serious illness is co-ordinated with each person’s monthly 5 yuan. The monthly medical insurance paid by the company is 6000 × 8% = 480 yuan, and the monthly medical insurance paid by Xiao Wang is 6000 × 2%+5 = 125 yuan.
The proportion of unemployment insurance payment is relatively low, the proportion of unit payment is generally 0.5%-2%, and the proportion of individual payment is 0.2%-1%. Assuming that Xiao Zhang’s monthly salary is 4,000 yuan, the local unit pays 1% of unemployment insurance and the individual pays 0.2%, then the unit pays 4,000× 1% = 40 yuan, and Xiao Zhang pays 4,000× 0.2% = 8 yuan.
The proportion of housing provident fund payment is generally 5%-12%, and the proportion of units and individuals is the same. For example, Xiao Zhao’s monthly salary is 7,000 yuan, and both the unit and individual pay 10% of the housing provident fund, so the unit and Xiao Zhao pay 7000× 10% of the housing provident fund each month = 700 yuan.
In order to show the calculation of three insurances and one gold more clearly, the following is a simple table:
It is not complicated to master the calculation knowledge of three insurances and one gold. The key is to understand the local payment ratio and calculation method. Through the above introduction and examples, I believe you have a clearer understanding of the calculation of three insurances and one gold. In real life, you can accurately calculate the payment amount of three insurances and one gold according to your salary income and local policies.
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