The proportions specified vary from place to place.

Five insurances and one fund payment ratio (for reference only): 1. Pension insurance The current pension insurance payment ratio: 21% for units (all transferred to the overall fund), 8% for individuals (all transferred to personal accounts).

2. Medical insurance Medical insurance payment ratio: 9% for units and 2% for individuals.

3. Unemployment insurance Unemployment insurance payment ratio: 2% for units and 1% for individuals.

4. The work-related injury insurance unit pays 0.5% for you every month, and you don’t have to pay a cent. The work-related injury insurance rate is determined based on the industry scope of the unit, which is between 0.5% and 2%.

5. The maternity insurance unit pays 1% for you every month, and you don’t have to pay a cent.

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

1. What are five social insurances and one fund? 1. Pension insurance: Your consumption level may have to drop significantly after retirement. The current pension insurance system in our country is centered on the "Basic Pension Insurance for Urban Employees".

That is, working people will have a sum of money deducted from their salary every month, and they can receive pensions from the social security system when they reach the legal retirement age (men are 60 years old and women are 50 years old).

If you graduate from college at the age of 22 and work in Beijing, which has the highest "China Pension Development Index", your average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2011 was 4,672 yuan), and the salary base paid by your employer is 8,000 yuan.

According to a fixed growth rate of 5%, your monthly salary will be 48,600 yuan when you retire (60 years old).

According to current standards, the pension you receive after retirement is 8,624 yuan.

This is equivalent to only 18% of pre-retirement salary and is lower than the national average basic consumption expenditure.

2. Medical insurance: Not all diseases can be covered by insurance, such as plastic surgery, weight loss, heightening, myopia correction, infertility, sexual dysfunction, and mental illness. Medical insurance does not cover the above medical expenses.

In addition, if you unfortunately get into a traffic accident or are injured by a gangster, these are not covered by medical insurance. Only when the public security agency proves that the perpetrator cannot be found can the medical insurance temporarily write off the accident.

There are also many restrictions on the use of medical insurance in other places.

If a sudden illness occurs in a non-residential place in China and requires emergency treatment, you can be hospitalized at the nearest hospital first, but you must report the date of hospitalization, hospital name and other information to the medical insurance agency in the insured place for record within 3 working days. After the condition stabilizes, you need to

If treatment continues, they should be promptly transferred to a designated medical institution for medical treatment.

3. Unemployment insurance: Is it worth the expense? To receive unemployment benefits, you must first meet the following two conditions: 1) Your employer and you have fulfilled your unemployment insurance payment obligations in accordance with regulations for one year; 2) You do not resign voluntarily and then

There are a lot of procedures to go through: You should go to the labor and social security department of the street or town where your household registration is located within 60 days from the date of resignation with your vocational guidance and training card, household registration book, ID card, certificate of termination of labor (employment) contract or working relationship and photos.

Register and go through the procedures for applying for unemployment insurance benefits.

Pay attention to the location of your household registration. In other words, if your household registration is in Gansu and you work in Shanghai, you have to go all the way back to your hometown to apply.

According to current standards, the monthly unemployment insurance benefits in most cities range from a few hundred yuan to no more than 1,000 yuan. The more economically backward the area, the less it can receive.

The money is not much, and the time you can receive it is not long: if you have paid cumulative contributions for 1 to 5 years before losing your job, you can receive a maximum of 12 months; if you have paid contributions for 5 to 10 years, you can receive a maximum of 18 months; if you have paid cumulative contributions for more than 10 years, you can receive it for a maximum of 12 months.

Receive up to 24 months.

4. Work-related injury insurance: An online post appeared on the 48-hour life-and-death line titled "If an underage migrant worker dies 1 hour late, does it count as a work-related death and forces him to die early?"

The online post stated that Chen Guo, a 17-year-old migrant worker from Loudi, Hunan, died of severe heat stroke while working in Shijie Town, Dongguan City.

Because Chen Guo died 49 hours after becoming ill, her family still failed to receive compensation 20 days later.

They were told that Article 15 of my country's "Regulations on Work-related Injury Insurance" stipulates that anyone who dies from a sudden illness or dies after rescue fails within 48 hours during working hours and at the job is deemed to be a work-related injury.

Chen Guo died 49 hours after becoming ill, and it was not considered a work-related injury.

In fact, there are constant disputes and lawsuits regarding the identification of work-related injuries.

Not only is it a 48-hour life-and-death situation, but it is not that easy to identify a work-related injury.

5. Maternity insurance: Having an employer is a very personal matter, but if you don’t have an employer, it will be difficult to get maternity insurance.

Because maternity insurance must be paid uniformly by the unit.

In other words, a full-time housewife cannot have maternity insurance.

Maternity insurance must be paid for at least one year before you can enjoy it.

You have to continue to pay after giving birth. If you don't pay, you won't be able to enjoy family planning benefits in the future.

6. Housing Provident Fund: It is not cost-effective to use it for a long time. Many people know that the more housing provident fund paid by the unit every month, the better. It can be used for buying a house and renovating it in the future.