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Posts: 109

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Q: Do you have to pay into Chinese social security?

I'm researching ESL teaching jobs in China. It seems that with many jobs, on top of taxes, you have to pay into social security. It all amounts to a sizable chunk of your salary. I have no intention of retiring in China. Will I ever see any of that social security money back?  ex . According to a Chinese tax calculator, with a monthly salary of 11,100, you would have to pay the following:

 

-income tax 477.96

-social security 1,135.20

 

income after tax 9,486.84

 

 

7 years 8 weeks ago in  Business & Jobs - China

 
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Doesn't the social security also include medical insurance ? E.g. if you go to the hospital the first thousands of the cost would be covered by the social insurance ?

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7 years 8 weeks ago
 
Posts: 3047

Emperor

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If you accept a job in China, you must pay income tax and also social security tax every month, and the amounts to be paid for social security will vary from city to city.  For example, the amount you quoted corresponds to Beijing,  if in another city it will be slightly different.

Besides these two, you may also have to pay into a "housing fund" on a monthly basis.  And of course, if you just work in China for a year or a few years, and do not retire here, you will not get any retirement benefits, which are only one of the 5 areas cover by social security payments.

For your information, all over urban China social insurance is broken down into five distinct categories. These are:

1. Pension
2. Medical insurance
3. Unemployment insurance
4. Maternity insurance
5. Occupational injury insurance

 

Just as an added piece of information, while you contribution to SS in Beijing will be 1,135.20 monthly, your employer will pay 3,563.10 also monthly.  And if indeed my guess of Beijing is correct, must tell you that it will not be a good salary, many English teachers in Beijing are around 20,000 Rmb per month

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7 years 8 weeks ago
 
Posts: 5600

Emperor

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yes

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7 years 8 weeks ago
 
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it depends on where you teach, i have been paid in cash by universities with no tax ,  also public middle schools and training schools. also i have never been given any paperwork that i have medical insurance even though the contract says that.  buyer beware.

the social security is supposed to work like korea , you pay in and get it back if you leave but i dont believe china would ever legally take money from a foreigner and keep a promise to give it back.

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7 years 8 weeks ago
 
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If you're residing and working in China, it is just right for you to pay the tax or else the authorities may file a case against you for tax evasion. In the aftermath of increased social security taxes and decreased pay checks, the nation's consumer confidence has plummeted to its smallest level in over a year, according to a Conference Board report. If you need help paying for stuff, you can get a personal loan.
 

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6 years 24 weeks ago
 
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happy expat explained it well...and yes i do pay it along with other legally working foreigners 

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6 years 24 weeks ago
 
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General

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As foreigner you dont have to pay social security (it's not compulsory)  At least not in Shanghai.

Once you say yes you will pay than you are screwed cuz you will need to pay.

Btw check with your employer if you can pay lower IIT by collecting fapiao.

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6 years 23 weeks ago
 
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I pay about 25 kuai 'tax' every month. Medical is paid by Uni. Recently the offered me pension, its about 200 a month, have to stay 15 years in China...Can still continue paying it if change jobs in the future, not bad.

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6 years 23 weeks ago
 
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