Five insurance and one gold ratio:
1. Old-age insurance: the employer pays according to the base of 20%, and the individual withholds it according to the proportion of 8%;
2. Medical insurance: the employer pays the fee according to the ratio of 10%; Individuals are withheld at the rate of 2%;
3. Unemployment insurance: the employer pays at the rate of 1.5%, and the individual withholds it at the rate of 0.5%;
4. Work-related injury insurance: the employer pays the fee according to the ratio of 1%, and the individual does not need to pay it;
5. Maternity insurance: the employer pays at the rate of 0.8%, and the individual does not need to pay;
6. Provident Fund: The payment base that individuals need to bear is the same as that of employers, both of which are 8%.
Payment period of five insurances and one gold:
1, endowment insurance: minimum payment 15 years. If it is less than 15 years, you will not be able to receive a pension after retirement;
2. Medical insurance: the standards in different regions are inconsistent. Generally speaking, men need to pay for 25 years and women need to pay for 20 years to enjoy life insurance;
3. Unemployment insurance: the minimum payment is one year, and it is because of involuntary resignation;
4. Work injury insurance: no fixed number of years;
5. Maternity insurance: it needs to be paid continuously for one year before it can be reimbursed. In some areas, it only takes 6 months or 10 months;
6. Provident Fund: If there is demand for buying a house, it usually takes one or two years.
Five insurance and one gold payment base:
1, the payment base for five insurances and one gold is 60% to 300% of the average social wage, and the expenses are shared by the employer and the insured individual.
2. The payment base for an individual with five risks is 1 1%. If our salary is 5,000 yuan a month, it means that each of us needs to pay 550 yuan's expenses;
3. In the case of one gold, the payment base that the individual needs to bear is the same as that of the employer, both of which are 8%. According to the salary of 5,000 yuan a month, it needs to be paid to 400 yuan every month.
To sum up, the deposit ratio of housing provident fund is 1: 1 paid by companies and individuals, and the deposit unit can independently determine the deposit ratio within the range of 5%- 12%.
Legal basis:
Article 63 of People's Republic of China (PRC) Social Insurance Law
If the employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.
If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.
If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, so as to offset the social insurance premium with the proceeds from the auction.
Article 86
If the employer fails to pay the social insurance premium in full and on time, the social insurance premium collection agency shall order it to pay it within a time limit or make up for it, and from the date of default, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.