Pension insurance payment: 20% of the unit (of which 17% is transferred to the overall fund and 3% to the personal account) and 8% to the individual (all transferred to the personal account); ?

Medical insurance payment: unit 10%, individual 2%+3 yuan; ?

Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; ?

Work-related injury insurance determines its work-related injury rate according to the industry scope divided by the unit, and individuals do not pay it; ?

Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual. ?

Provident fund deposit ratio: according to the actual situation of the enterprise, the housing provident fund deposit ratio is generally 8% to 10%. In principle, the maximum wage shall not exceed 300% of the average wage of Beijing employees.

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" item, which is legally necessary, and paying it also means an obligation. ?

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel.

This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.

Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees were merged in some pilot areas, and the inspection expenses were reimbursed together with general medical expenses. The pilot period is about one year.

The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy maternity insurance benefits.

Extended data:

Payment ratio

The company with five insurances and one gold needs to bear part of it and deduct it directly from the company's bank account, and the employees also need to bear part of it and deduct it from the employee's salary.

In other words, for enterprises, in addition to the monthly salary of 10000 yuan, they also need to pay an additional 43 10 yuan for five insurances and one gold;

For employees, the salary of 10000 yuan can only be obtained after deducting 2223 yuan for five insurances and one gold, and then deducting personal income tax, so the actual salary of employees is less than 7500 yuan.

References:

Five insurances and one gold-Baidu Encyclopedia