問 我是(shi)山(shan)東一名(ming)職(zhi)場新人，公司為我們繳納(na)保(bao)險，我想(xiang)問(wen)下(xia)職(zhi)工養老(lao)保(bao)險是(shi)如何繳納(na)的呢(ni)？

答 職工(gong)(gong)(gong)養(yang)老(lao)保(bao)險(xian)由單位(wei)繳(jiao)(jiao)費(fei)和個(ge)人(ren)繳(jiao)(jiao)費(fei)兩部分(fen)(fen)組成(cheng)：職工(gong)(gong)(gong)以本(ben)人(ren)上(shang)一年度月(yue)(yue)平均工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)為(wei)(wei)繳(jiao)(jiao)費(fei)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)基數，個(ge)人(ren)繳(jiao)(jiao)納8%；企業以全部城鎮職工(gong)(gong)(gong)繳(jiao)(jiao)費(fei)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)基數之和作為(wei)(wei)企業繳(jiao)(jiao)費(fei)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)基數，按照19%的(de)(de)比例繳(jiao)(jiao)納基本(ben)養(yang)老(lao)保(bao)險(xian)費(fei)。繳(jiao)(jiao)費(fei)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)基數低(di)于本(ben)市(shi)上(shang)一年度職工(gong)(gong)(gong)月(yue)(yue)平均工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)60%的(de)(de)，以本(ben)市(shi)上(shang)一年度職工(gong)(gong)(gong)月(yue)(yue)平均工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)的(de)(de)60%作為(wei)(wei)繳(jiao)(jiao)費(fei)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)基數；超過(guo)本(ben)市(shi)上(shang)一年度職工(gong)(gong)(gong)月(yue)(yue)平均工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)300%的(de)(de)部分(fen)(fen)，不(bu)計入繳(jiao)(jiao)費(fei)工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)基數，不(bu)作為(wei)(wei)計發基本(ben)養(yang)老(lao)金的(de)(de)基數。職工(gong)(gong)(gong)個(ge)人(ren)的(de)(de)繳(jiao)(jiao)費(fei)每月(yue)(yue)會自(zi)動在工(gong)(gong)(gong)資(zi)(zi)(zi)(zi)(zi)中扣除，所以個(ge)人(ren)無(wu)需(xu)辦(ban)理和操(cao)心。希望我的(de)(de)回(hui)答(da)能(neng)對你有(you)所幫助(zhu)，僅供參考哈(ha)。