"Five insurances and one fund" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance;
"one gold" refers to the housing accumulation fund.
among them, pension insurance, medical insurance and unemployment insurance are the premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay. It should be noted here that "five risks" are legal, but "one gold" is not.
At present, the contribution ratio of endowment insurance in Beijing: 2% for the unit (of which 17% is included in the overall fund and 3% is included in the personal account) and 8% for the individual (all included in the personal account); Medical insurance payment ratio: unit 1%, individual 2%+3 yuan;
Unemployment insurance payment ratio: 1.5% for the unit and .5% for the individual; Industrial injury insurance determines its industrial injury rate according to the industry scope that the unit is divided into; Maternity insurance payment ratio: unit .8%, individuals do not pay.
contribution ratio of housing provident fund: according to the actual situation of enterprises, choose the contribution ratio of housing provident fund. However, in principle, the maximum payment shall not exceed 1% of the average wage of Beijing employees.
(Pooling funds means that in the process of the gradual transformation of the old-age insurance system from the state-unit system to the state-society system, the state needs to co-ordinate to solve the problems of unbalanced economic development and aging population.
(1) establish a social pooling fund based on enterprise contributions; (2) establish individual accounts mainly by employees and enterprises; (3) The government bears the management expenses of the endowment insurance fund. This semi-fund system, which combines social pooling with individual accounts, is conducive to coping with the crisis of population aging in China, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transformation from the enterprise pension insurance system to the individual pension insurance system. )
the payment amount of four insurances and one gold varies from region to region, and the base is the total salary. Some enterprises have basic salary and some related subsidies when paying, but some enterprises only pay basic salary when paying, which is against the law. The specific proportion should be consulted with the local labor department.
The withdrawal of pension insurance, unemployment insurance and medical insurance can only be obtained under the legal permission, and it is issued by the insurance registration department, such as "pension insurance can only be obtained when you reach the legal age, and the collection of unemployment insurance benefits also requires conditions, such as you go to the street office where your household registration is located to apply for unemployment certificate and apply for a job permit at the same time, which means that you must have the will to apply for a job after you lose your job.
if you don't want to work after losing your job, you can't get insurance money. In addition, pension and unemployment benefits cannot be enjoyed at the same time.
do you enjoy 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 it is not isolated from the contract period. Therefore, you should also be insured during the probation period. In addition, it is a legal obligation for an enterprise to insure its employees, which does not depend on the intention or willingness of the parties concerned, even if the employees say that they do not need to pay insurance, and commercial insurance cannot replace social insurance.
Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.