How many standards are there for five insurances and one gold?
Legal analysis: Basic medical insurance is generally divided into first, second and third grades according to payment and corresponding treatment. The grades of five insurances and one gold are divided according to the payment base and proportion of five insurances and one gold. The payment ratio refers to the payment of pension, medical care, unemployment, maternity and work-related injury insurance and provident fund, and there is a payment ratio. However, the proportion of contributions stipulated in different places is different. Although the contribution ratio of employees in the same place is the same, the contribution base of each employee is different, so the money paid is different. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with the stupid provisions of the state.
Legal basis: Article 15 of the Social Insurance Law of People's Republic of China (PRC) consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc. Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.
Five insurance and one gold policy in 2023
Five insurances and one gold are based on the average monthly salary of individuals in the previous year, and companies and individuals pay according to a certain proportion, so everyone's five insurances and one gold are different. In addition, it may be slightly different from place to place.
These five risks include:
Endowment insurance: 8% for individuals and 22% for units;
Medical insurance: individuals pay 2%, and units pay10%;
Unemployment insurance: individuals pay 1%, and units pay 2%;
Industrial injury insurance and maternity insurance: only paid by the employer, and individuals do not need to pay.
The first fund includes: housing accumulation fund: individuals and units pay in the same proportion, and the proportion is 5- 12%, which is determined by the employer.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 1 This Law is formulated in accordance with the Constitution for the purpose of adjusting the social insurance relationship, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to enjoy the fruits of development and promoting social harmony and stability.
Article 2 The State establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. To protect citizens' right to get material help from stupid countries and society in accordance with the law in the case of old age, illness, work injury, unemployment and childbirth.
Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.
Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.
What are the grades of five insurances and one gold?
The payment amount of five insurances and one gold varies from region to region, and the base is the total wages. Some enterprises have basic socks and some related subsidies when paying wages, but some enterprises only pay basic wages when paying wages, which is against the law. The specific proportion should be consulted with the local labor department, and the payment ratio varies from place to place. The low-grade pension cost is 287.40 yuan, the first, second and third grades are 43 1.20 yuan, 574.80 yuan and 7 18.60 yuan respectively, the basic medical care+serious illness mutual aid line cost is 242.06 yuan, and the maternity insurance is19.160 yuan. Due to geographical confusion, the opposite sex may have a slight deviation in the amount.
Legal basis:
"Regulations on the Management of Housing Provident Funds" Article 3 The housing provident fund paid by individual employees and the housing provident fund paid by the unit where the employee works for the accused accompanying employees belong to individual employees.