Insurance premiums in 2011

Last year, the insurance market has changed. Instead of "Single social tax was introduced a federal law on insurance premiums. This year is no exception: Bank.ru tell what will be the insurance premiums in 2011, and what innovations can be expected. Insurance premium or premium - a fee paid by the insured (the employer) for an insurance policy. The payment depends on the conditions of the insurance contract and the sum insured. As a rule, payments can make a lump sum once a year, every six months, every quarter or even monthly, if provided insurance program. Insurance premiums in 2011 were changed. Thus, the basic tariff premiums increased to 34%. Of these, 26% of employers will pay to the Pension Fund of Russia, another 2.9% - the Social Insurance Fund, 3,1% - to the Federal Health Insurance Fund (FFOMS), and 2% - in the territorial funds of obligatory medical insurance (TFOMS) . Also, the labor code provides for compensation for delayed payment of wages, which is kind of penalty. However, since it is not connected with the performance of job duties, this payment is not subject to taxation of insurance premiums. However defined, and a limit of annual income from which paid the premiums. Thus, the maximum threshold of income per employee has increased this year from 415 thousand rubles. to 463 thousand rubles. If the amount exceeds the established limit, fees charged will not. Everything else has changed the list of those who are eligible for reduced rates of insurance premiums in 2011. Now it includes the business entities created after 2009, as well as organizations and individual entrepreneurs engaged in manufacturing, production and publication of the media. Benefits touched and those involved in the project Skolkovo, and operating in the industrial and social spheres. Another innovation was the introduction of digital signatures. Since 2011, employers, employs more than 50 people will have to introduce electronic document management.