I. Five insurances and one gold reduction policy

The Politburo Standing Committee (PSC) and Li Keqiang, Premier of the State Council of the People's Republic of China hosted a symposium on the economic situation of the main leaders of some provinces (cities) in Beijing. Premier Li said: It is necessary to implement fee reduction and support all localities to proceed from reality and reduce "five insurances and one gold" in stages under the unified national framework.

second, what are five insurances and one gold?

Five insurances and one fund include: old-age insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund.

five insurances and one gold payment ratio

The contribution rate of endowment insurance is 28%, of which the unit contribution rate is 2% and the individual contribution rate of employees is 8%.

the medical insurance premium rate is 8%, of which the unit premium rate is 6%, the individual employee premium rate is 2%, and the individual industrial and commercial households and flexible employees premium rate is 8%.

the unemployment insurance premium rate is 3%, of which the unit premium rate is 2% and the employee premium rate is 1%.

the payment rates of work-related injury insurance are .6%, 1.2% and 2% respectively, and the unit bears all the payment rates, and the individual does not pay.

The maternity insurance payment rate is .7%, and the unit bears all the payment rates, and the individual does not pay.

housing provident fund deposit ratio: 6%-12% for units and 6%-12% for individuals.

3. which cities have reduced their five insurances and one gold?

Recently, Shanghai, Guangdong, Tianjin, Yunnan, Gansu, Hangzhou, Zhejiang, Xiamen, Fujian and other regions have successively introduced new policies, reducing social security rates to varying degrees. Inner Mongolia remains unchanged for the time being.

4. What happened to our salary after the reduction of five insurances and one gold?

The reason for lowering the social security rate is that there is a balance in the social security fund, and on the other hand, the burden on enterprises can be reduced after China's economic development enters a new normal, and the original wages have not changed.

5. Will the rate reduction affect the social security benefits?

lowering the social security rate will not affect the social security benefits of employees. Social security benefits are established, which is the number of payments promised by the state. It will not be said that there is a fund gap to reduce benefits. But from an indirect perspective, the adjustment of the rate may affect the sustainability of the social security fund, and then the pace of increase will slow down.

how to inquire about six, five insurances and one gold?

1. Inquire online

Log on to the website of the Human Resources and Social Security Bureau of your city to inquire about five insurances and one gold. Website of Human Resources and Social Security Bureau

2. Telephone inquiry

The unified inquiry telephone number of the municipal endowment insurance center is 12333 (plus the telephone area code of the city where you live), and at the same time, you can inquire about the handling of endowment insurance, pension payment (supplementary payment), pension transfer and other issues.

3. Counter consultation

You can also go to the old-age insurance office of the Municipal Labor and Social Security Department to inquire directly by holding your ID card or social security card number.

4. Department inquiry

Social security inquiry can also be made in the subordinate district-level labor and social security departments in different regions where you are located. You can call the local social security bureau to make an inquiry. Timely supplementary protection.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.