Social security includes pension insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "one fund" refers to the housing provident fund.

Among them, pension insurance, medical insurance and unemployment insurance are premiums paid jointly by enterprises and individuals. Work-related injury insurance and maternity insurance are entirely borne by enterprises.

Individuals do not need to pay.

What should be noted here is that the "five insurances" are statutory, but the "one fund" is not statutory.

What is the payment ratio for “five insurances and one housing fund”?

The current pension insurance payment ratio in Beijing: 20% for units (17% of which is transferred to the overall fund and 3% to personal accounts), 8% for individuals (all transferred to personal accounts); medical insurance payment ratios: 10% for units and 2% for individuals.

+3 yuan; unemployment insurance payment ratio: 1.5% for units and 0.5% for individuals; work-related injury insurance determines its work-related injury rate according to the industry scope into which the unit is divided; maternity insurance payment ratio: 0.8% for units and no payment for individuals.

Provident fund payment ratio: Choose the housing provident fund payment ratio according to the actual situation of the enterprise.

However, in principle, the maximum payment amount shall not exceed 10% of 300% of the average salary of Beijing employees.

(Co-ordination fund means: In the process of the gradual transformation of the pension insurance system from a state-unit system to a state-social system, national co-ordination is needed to solve problems such as uneven economic development and population aging. Prague's DZY2008-07-0917:37

The five social insurance insurances refer to: medical insurance\pension insurance\unemployment insurance\work-related injury insurance\maternity insurance. The first three insurances are premiums paid jointly by enterprises and individuals, and the latter two are borne by enterprises. "Five insurances and one insurance"

What is the payment ratio of "fund"? The current payment ratio of Beijing pension insurance: 20% for units (of which 17% is transferred to the overall fund and 3% is transferred to personal accounts), 8% for individuals (all is transferred to personal accounts); medical insurance payment ratio

: 10% for units, 2% + 3 yuan for individuals; Unemployment insurance payment ratio: 1.5% for units, 0.5% for individuals; Work-related injury insurance determines its work-related injury rate according to the industry scope into which the unit is divided; Maternity insurance payment ratio: 0.8% for units

, individuals do not pay. Provident fund payment ratio: The housing provident fund payment ratio is selected according to the actual situation of the enterprise, but in principle the maximum payment amount shall not exceed 10% of the average salary of Beijing employees (the overall fund is: in the pension insurance system.

The process of gradually transforming from a state-unit system to a state-society system requires state coordination to solve problems such as uneven economic development and population aging. (1) Establish a social coordination fund based on enterprise contributions; (2) Establish a social coordination fund based on employee contributions.

Establishing personal accounts mainly with corporate contributions; (3) The government bears the management costs of the pension insurance fund. This semi-fund system that combines social pooling and personal accounts is conducive to coping with China's population aging crisis and gradually decentralizing the old system to the new system.

The transition cost is to gradually realize the transformation from the enterprise pension insurance system to the individual pension insurance system.) The payment amounts for the four insurances and one fund are different in each region, and the base is based on the total salary. Some companies have different payment amounts.

There are some related subsidies for basic wages, but some companies pay only basic wages, which is against the law. For specific proportions, you need to consult the local labor department about the withdrawal of pension insurance, unemployment insurance and medical insurance.

It can only be collected under legally permitted circumstances, and is issued by the insurance registration department. For example, "pension insurance must be of legal age. Unemployment insurance benefits must also meet certain conditions. For example, you must go to the street where your household registration is located.

The office applies for an unemployment certificate and a job-seeking certificate at the same time, which means that you must be willing to find a job after losing your job. If you do not want to work after losing your job, insurance benefits will not be paid to you.

Pensions and unemployment benefits cannot be enjoyed at the same time. ·Do you have insurance during the probation period? You should also enjoy insurance during the probation period, because the probation period is an integral part of the contract period and is not isolated from the contract period.

Therefore, insurance should also be purchased during the probation period. In addition, it is a legal obligation for enterprises to provide insurance for employees, and it does not depend on the intention or voluntariness of the parties. Even if the employees say they do not need to pay for insurance, commercial insurance cannot replace society.

Insurance. Benefits of pension insurance If you have paid pension insurance for more than 15 years and reached the legal retirement age, you can enjoy pension insurance benefits: 1. Receive a basic pension calculated in accordance with regulations on a monthly basis until death.

The calculation formula of basic pension is as follows: basic pension = basic pension + personal account pension + transitional pension = average monthly salary of employees in the city in the year before retirement × 20% (15% if the payment period is less than 15 years) +

The sum of personal account principal and interest ÷120 + indexed average monthly paid salary × number of years of payment before the end of 1997 × 1.4%.

2. Death treatment.

(1) Funeral expenses (2) One-time pension (3) Living difficulties subsidy for immediate family members who meet the supporting requirements, which will be paid on a monthly basis until the death of the supporting immediate family member.