Steps/Methods For employees, social insurance is now usually 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%.

In terms of "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 2%

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.

If you have an employer, your employer will handle the matter, and you must provide your ID card and photo; if you don't have an employer, you can only participate in social insurance as a freelancer, and you can only participate in pension insurance and medical insurance.

There are specific regulations for the payment of pension insurance and medical insurance: Pension insurance: Bring your ID card, unemployment certificate and two 1-inch photos to the business window of the local social security center to apply.

Medical insurance: After completing the pension insurance procedures, go to the business window of the local medical insurance center with the above materials and the completed pension insurance manual.

If you find a new work unit, you should go to the original unit to issue a pension insurance transfer form, fill in the current work unit, and have it signed by the management department where the original unit is located, and go through the pension insurance account transfer procedures. The original unit will reduce the number of people in the pension account.

Process; then go to your current unit to stamp and approve it, go to the pension insurance department where your current unit is located to go through the procedures for accepting the pension, and the current unit will handle the addition of people; after handling the transfer of pension insurance, your current unit will also participate in the pension insurance for you, and the two are completely

The payment period can be calculated together, and retirement procedures will be handled in the future. Pension benefits will not be affected, and the transfer of medical insurance is basically the same.

Please refer to relevant policies for payment time.

Extended information: Five insurances and one fund refer to the collective name of several types of security benefits provided to workers by employers, including pension insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.

"Individuals on the job should pay and deposit the housing provident fund in accordance with regulations." The housing provident fund is a "payable" item, which is legally required, and payment at the same time also shows that it is an obligation.

On March 23, 2016, the “Thirteenth Five-Year Plan” outline proposed to merge maternity insurance and basic medical insurance.

This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one fund" may become "four insurances and one fund". Medical insurance will be merged with maternity insurance, and some large companies will provide employees with

Purchase benefits such as personal accident insurance and critical illness insurance.

Before the end of June 2017, some pilot areas will merge maternity insurance and employee basic medical insurance, and prenatal examination fees will be reimbursed together with ordinary medical expenses. The pilot period will be about one year.

The first batch of pilot areas include 12 cities including Handan in Hebei, Jinzhong in Shanxi, Shenyang in Liaoning, Zhengzhou in Henan, and Yueyang in Hunan.

After the two insurances are merged, there will be four insurances and one fund in the future.

People who participate in medical insurance can enjoy maternity insurance benefits.