In today’s society, it is very important for everyone in the workplace to understand the calculation method and basis of three insurances and one gold.

First of all, let’s talk about the old-age insurance in "three insurances and one gold". The payment of endowment insurance is shared by units and individuals. The proportion of unit contributions is generally 16%, and the proportion of individual contributions is 8%. The payment base is usually determined according to the average monthly salary of employees in the previous year. However, it should be noted that the payment base has upper and lower limits. If the employee’s salary is lower than the local lower limit, the lower limit will be used as the payment base; If it is higher than the upper limit, the upper limit will be used as the payment base. The following is a simple sample table:

Medical insurance is calculated in a similar way. The proportion of unit payment is generally between 6% and 10%, and the proportion of individual payment is 2%. Similarly, the payment base is also determined according to the wages of employees.

Unemployment insurance, the unit contribution ratio is usually 0.5%-2%, and the individual contribution ratio is 0.5%.

The deposit ratio of housing provident fund is between 5% and 12%, which is chosen by units and individuals. The deposit ratio of units and individuals is the same. For example, both units and individuals choose a deposit ratio of 10%. If the employee’s monthly salary is 8,000 yuan, then the unit will deposit it in 800 yuan and the individual will deposit it in 800 yuan every month, and the employee’s monthly housing provident fund account will deposit 1,600 yuan.

The basis of this calculation method mainly lies in safeguarding the rights and interests of workers and social stability. Through the joint payment of units and individuals, it provides certain economic security for employees in retirement, illness, unemployment and other circumstances. At the same time, the upper and lower limits of the payment base can not only ensure the basic level of protection, but also avoid the excessive burden on units and individuals caused by too high or too low payment.

In a word, a clear understanding of the calculation method and basis of "three insurances and one fund" will help us to better plan our personal financial and career and protect our legitimate rights and interests.

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