At present, the proportion of endowment insurance payment: unit 19% (all included in the overall fund) and individual 8% (all included in the personal account).

2. Medical insurance:

The proportion of medical insurance payment: 7% for the unit and 2% for the individual.

3. Unemployment insurance:

Unemployment insurance payment ratio: unit 1%, individual 0.5%;

4. Work injury insurance:

The unit pays you 0.5% every month, and you don't have to pay a penny yourself; Work-related injury insurance determines its work-related injury rate according to the industry scope divided by the unit, which is between 0.5% and 2%;

5. Maternity insurance:

The company pays you 1% every month, and you don't have to pay a penny yourself;

6. Housing accumulation fund:

The proportion of provident fund payment, according to the actual situation of enterprises, choose the proportion of housing provident fund payment. But in principle, the maximum shall not exceed 10% of the average wage of employees.

1. What is the role of five insurances and one gold in Heilongjiang?

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and if you deposit it in the bank, there will be interest tax.

3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death. With the improvement of social living standards, it will only increase rather than decrease, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life.

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.

5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the maternity insurance premium is entirely borne by the unit.

2. What are the extraction conditions of housing provident fund?

According to the relevant laws and regulations, if an employee has one of the following circumstances, he can withdraw the storage balance in the employee housing provident fund account:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3, completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6, the rent exceeds the prescribed proportion of family wage income;

7, terminate the labor relationship with the unit, and move the account out of the city;

8. Employees who are not registered in this Municipality terminate their labor relations with their units, and are not employed in this Municipality and leave this Municipality;

legal ground

People's Republic of China (PRC) social insurance law

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. 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.