The 2023 employment season is coming, are you afraid?
According to statistics, the number of graduating students this year has hit a new high, reaching 11.58 million. I believe that students will feel horrified when they see this string of numbers. However, the challenges that college students have to face are not only these, the cruelest test is still at the end.
As a fledgling newcomer to society, college students were once jokingly called "clear eyes and stupid", because they have no social practice experience, and if they are not careful, they will be tricked by unreliable companies, which is the first shadow of their part-time job career.
In the university classroom, various professional courses are full, and I have listened to a lot of employment guidance courses, but there is only one course missing: social practice knowledge , which can include general knowledge of labor law, the concept of five insurances and one housing fund, and detailed payment. standard etc. The lack of these key knowledge often makes everyone suffer a lot of dark losses after work.
Therefore, in this issue, Sister Cicada will popularize the common sense of labor law and social security provident fund for everyone. If you need it, please bookmark it.
01
Common sense of labor law that college students must know
Article 19 of the Labor Contract Law stipulates:
If the term of the labor contract is more than three months but less than one year, the probation period shall not exceed one month; if the term of the labor contract is more than one year but less than three years, the probation period shall not exceed two months; , the probationary period shall not exceed six months.
Article 36 of the Labor Contract Law stipulates:
The state implements a working hour system in which laborers work no more than eight hours a day and no more than forty-four hours a week on average.
Article 41 of the Labor Contract Law stipulates:
Due to the needs of production and operation, the employer may extend the working hours after consultation with the trade union and the laborers, generally no more than one hour per day; A day shall not exceed three hours, but a month shall not exceed thirty-six hours.
Article 20 of the Labor Contract Law stipulates:
The wages of laborers during the probationary period shall not be lower than 80% of the minimum wage for the same position in the unit or the wage agreed in the labor contract, and shall not be lower than the minimum wage standard in the place where the employer is located.
Article 50 of the Labor Contract Law stipulates:
Wages shall be paid to the workers themselves in currency on a monthly basis. Wages shall not be withheld or delayed without reason.
02
Five social insurance and one housing fund knowledge points that college students must know
The five insurances and one housing fund specifically refer to endowment insurance, medical insurance, unemployment insurance, maternity insurance, work injury insurance, and housing provident fund.
Pension
Individuals pay 8%; units pay 20%.
① Accumulated contributions for 15 years before retirement, reaching the statutory retirement age;
② One-time payment is not supported;
③ If the retirement age is less than 15 years, another 5 years must be paid;
④ Individuals can pay but it is not as cost-effective as a company;
⑤The larger the payment base, the better, and the longer the payment period, the better.
unemployment insurance
Individuals pay 1%, units pay 2%.
①You can only receive it for a business that is not your own will;
②The employer has paid unemployment insurance accumulatively for 1 year before unemployment;
③ The monthly standard is about 1,000 yuan, up to 24 months;
④ There is no limit to the number of times of unemployment benefits, as long as the conditions are met;
⑤Registration within 60 days after unemployment can be claimed.
Maternity Insurance
Individuals pay 0%, units pay 0.8%.
①Pay maternity insurance in the unit where you work for the past year;
② You must give birth locally to be reimbursed;
③ Both men and women must pay maternity insurance;
④ If the payment is interrupted in the middle, it must be paid for another 1 year before it can be enjoyed.
Injury insurance
Individuals pay 0, units pay 0.2%~0.4%.
①During working hours, it is often said that accidents and injuries on the way to and from get off work are considered work-related injuries, and occupational diseases are also considered work-related injuries. If there is a work-related injury, report to the police or call HR as soon as possible;
② Preservation of relevant evidence;
③ Do not use the medical insurance card to see a doctor;
④ Compensation will be made according to the level of disability.
housing fund
Individuals pay 5%~12%, units pay 5%~12%.
When buying, building, renovating or overhauling self-occupied houses, you can enjoy housing provident fund low-interest loans;
When you retire, you can withdraw the housing provident fund all at once, which is equivalent to accumulating a considerable pension savings;
The housing provident fund deposited by units and individuals according to the prescribed ratio is exempt from personal income tax, and the interest earned from depositing housing provident fund personal special accounts is exempt from personal income tax.
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When looking for a job after graduation, it is inevitable that you will encounter the pitfalls of the company. Only by mastering more knowledge can you reasonably protect your own rights and interests. The employment season in June is coming, and it is not too late to study.
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Writer/Editor: Sister Zhizhi