Question 1: What is the word "Three Golds"?

"Five insurances" refers to five types of insurance, including pension insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance.

In fact, the correct term should be "five insurances and one housing fund".

Social Security For employees, social security is commonly referred to as five insurances and one fund. Specifically, the five insurances are: pension insurance, medical insurance, unemployment insurance, maternity insurance and work-related injury insurance; and one fund is: housing provident fund.

"Housing provident fund": The specific proportion of units and individuals is 50% each, which is calculated based on the individual's average annual salary.

The state stipulates that the housing provident fund shall not be less than 10% of the salary, and units with good profits can be higher, with employees and units each bearing 50%.

Therefore, it is very cost-effective for employees to pay housing provident fund!

In terms of the five insurances, based on employee wages, the proportion of units and individuals is generally: pension insurance units bear 20%, individuals bear 8%; medical insurance units bear 6%, individuals bear 2%; unemployment insurance units bear 2%, individuals bear 1%

1% of maternity insurance is fully borne by the unit; 0.8% of work-related injury insurance is also fully borne by the unit. Individual employees are not responsible for maternity and work-related injury insurance.

Due social security: Social insurance mainly includes five aspects: pension insurance, medical insurance, maternity insurance, work-related injury insurance, and unemployment insurance.

1 Social security is *** Behavior 2 Social security is universal security 3 Social security is life-long security 4 Social security is subsidized 5 Social security pension amount is rising 6 Beijing area social security guarantees the living standard of Beijing area A Pension insurance Pension insurance is for workers to reach

A social insurance system that provides certain financial compensation, material assistance and services from the government and society after retirement at the statutory retirement age.

State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, public institutions that implement enterprise management and their employees must participate in basic pension insurance.

The unit payment rate for new participating units (referring to various types of enterprises) is determined to be 10%, and the individual payment rate is determined to be 8%. Individual industrial and commercial households and their employees, flexible employment personnel and other types of persons participating in the insurance in the form of individuals

, differential rates are implemented based on the payment period.

For individual workers who participate in basic pension insurance, the payment base can be high or low within the prescribed range. The more you pay, the more you will benefit.

To receive monthly pensions, employees must have reached the legal retirement age and have gone through retirement procedures; their units and individuals have participated in pension insurance in accordance with the law and fulfilled their payment obligations; and individual contributions have been made for at least 15 years.

At present, the legal retirement age for enterprise employees in my country is: 60 years old for male employees; 55 years old for female cadres engaged in management and scientific research, and 50 years old for female employees.

The basic pension consists of a basic pension and a personal account pension. If an employee reaches the legal retirement age and has made personal contributions for 15 years, the monthly standard of the basic pension is the average monthly salary of employees in the province (autonomous region, municipality) or city (prefecture) in the previous year.

20%.

Personal account pensions are paid from personal account funds, and the monthly payment standard is based on the amount of personal account savings divided by 120.

After the personal account fund is used up, it will be paid from the social pooling fund.

B Medical Insurance The basic medical insurance system for urban employees is a social insurance system established based on the affordability of finance, enterprises and individuals to protect the basic medical needs of employees.

All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc.), agencies, public institutions, social groups, private non-enterprise units and their employees, must participate in basic medical insurance, basic medical insurance for urban employees

The fund consists of the basic medical insurance social pooling fund and personal accounts.

Basic medical insurance premiums are composed of the employer's and employee's personal accounts.

Basic medical insurance premiums are paid jointly by the employer and individual employees, of which: the employer pays 6% and the individual pays 2%.

Part of the medical insurance premiums paid by the employer is used to establish a basic medical insurance social pooling fund. This part of the fund is mainly used to pay for insured employees' hospitalization and special chronic disease outpatient services and rescue and first aid.

For medical expenses that meet the regulations above the basic medical insurance minimum payment standard and below the maximum payment limit, individuals must also bear a certain proportion of the expenses according to regulations.