Bands × HORO — bg-contributions
| Band | Step | Description | % |
|---|---|---|---|
| ACCIDENT · work accident & occupational disease | base | work-accident insurance — employer-only, 0.4–1.1% by sector | 0.007 |
| UNEMPLOYMENT · unemployment | share | unemployment fund — 0.6% employer + 0.4% employee | 0.01 |
| ILLNESS · illness & maternity | weave | general illness + maternity — 2.1% employer + 1.4% employee | 0.035 |
| UPF · universal pension fund | crest | second pillar — mandatory for those born after 1959, private fund | 0.05 |
| HEALTH_ZOV · health insurance (ZOV) | descent | NHIF — 4.8% employer + 3.2% employee, access to public healthcare | 0.08 |
| PENSION_DOO · state pension (DOO) | round | first pillar — 8.22% employer + 6.58% employee (born after 1959) | 0.148 |
| TOTAL · total contribution burden | unity | the ring closes — full burden ~33% of gross wage | 0.33 |