1. What do you mean by five insurances and one gold?

According to the provisions of the Social Insurance Law and the Regulations on the Management of Housing Provident Fund, employers must pay "five insurances and one fund" for their employees, namely, endowment insurance, medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and housing provident fund. Among them, pension insurance, medical insurance, unemployment insurance and housing accumulation fund are paid by employers and employees, while work injury insurance and maternity insurance are paid by employers.

The Labor Law stipulates that "employers and workers must participate in social insurance and pay social insurance premiums according to law." It is illegal for an employer not to pay the "five insurances" to its employees. "Regulations on the Management of Housing Provident Fund" stipulates that "if a unit hires employees, it shall register with the housing provident fund management center within 30 days from the date of employment", and it is a legal obligation for the unit to pay housing provident fund for employees, not "whether it can be paid".

2. About endowment insurance? Can I retire after paying old-age insurance 15 years?

The Social Insurance Law stipulates that "individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid for 15 years." It does not mean that you can retire after paying 15 years of old-age insurance, but you must reach retirement age. Take male employees as an example. Generally speaking, under the age of 60, even if you have paid 20 years of pension insurance, you can't retire temporarily.

3./kloc-It is incorrect to say that you don't have to pay endowment insurance after 0/5 years.

"Accumulated payment of endowment insurance reaches 15 years" is one of the necessary conditions for retirement to receive a monthly pension. Pension is closely related to individual payment period and payment amount. The longer and more individuals pay, the higher the pension level. What should I do if I haven't paid enough 15 years at retirement age? Take Beijing as an example. If you have a Beijing hukou, you can apply for deferred payment, but if you have nothing to say, you can apply to make up for your dissatisfaction and then retire. Payment is enough for 10 years, but not enough for 10 years and less than 15 years.

4. Regarding medical insurance, can I enjoy medical insurance after retirement?

Men who have paid for 25 years and women who have paid for 20 years can enjoy basic medical insurance benefits without paying after retirement.

5. How to use the social security card to see a doctor?

5. 1. The card-holding medical treatment shall be subject to the designated medical institution selected in the medical insurance manual. The top three hospitals, designated specialties, and designated Chinese medicine hospitals do not have to choose, and they can take social security cards to seek medical treatment directly.

5.2. When registering, you must show your social security card. If you don't show your social security card, the expenses incurred will be borne by the individual in full, and the medical insurance fund can't pay it.

5.3. When paying the fee, the social security card and payment documents should be handed over to the settlement personnel for personal and self-funded expenses.

5.4. After receiving the settlement documents, check the contents of the documents and recover the social security card.

6. About housing provident fund? How to pay the housing provident fund?

According to the regulations, the deposit ratio of units and employees shall not be less than 5%, and shall not be higher than 12% in principle.

7. What conditions need to be met to withdraw housing provident fund?

1. Purchase, build, renovate and overhaul owner-occupied housing;

2. Retired;

3. Completely lose the ability to work, and terminate the labor relationship with the unit;

4. Go abroad to settle down;

5. Repay the principal and interest of the house purchase loan;

6. If the rent exceeds the prescribed proportion of family wage income,

The maximum amount of personal loans for housing provident fund in some cities,

Maximum loan amount for urban individuals:

Beijing 65438+200,000 yuan

Tianjin 600,000 yuan

Shenzhen 500,000 yuan

Wuhan 500,000 yuan

Shanghai 600,000 yuan

Guangzhou 500,000 yuan

Hangzhou 500,000 yuan

Xi 'an 500,000 yuan

Nanjing 300,000 yuan

Chengdu 400,000 yuan

8. Maternity insurance There is a great difference in maternity insurance benefits between men and women.

Individuals do not have to pay maternity insurance, and the proportion paid by employers generally does not exceed 0.5%. However, both men and women need to pay maternity insurance, and they can enjoy maternity benefits only after paying 1 year, but the benefits enjoyed by male and female employees are different. Male employee benefits.

1. If the spouse has no job or the work unit has not paid maternity insurance, and the male employee has paid the fee for more than one year according to law, he can reimburse the maternity insurance instead of the spouse;

2. Enjoy paternity leave and corresponding maternity allowance.

9. Welfare of female employees

1 maternity leave

According to the "Special Provisions on Labor Protection of Female Employees", female employees enjoy 98 days of maternity leave, including 15 days before delivery; In case of dystocia, maternity leave shall be increased 15 days; For multiple births, the maternity leave will be increased by 1 5 days for each additional child.

2. Maternity allowance;

3. Maternity medical expenses.

10. Regarding unemployment insurance, can I get unemployment insurance if I am unemployed?

The Regulations on Unemployment Insurance stipulates that the conditions for receiving unemployment insurance benefits include:

1.？ Participate in unemployment insurance according to the regulations, and the unit and I fulfill the payment obligation according to the regulations for 1 year;

2.？ Not because of my will to interrupt employment;

3. Persons who have registered unemployment and have job requirements. So if you are unemployed, you may not be able to receive unemployment insurance. If you don't want to work after unemployment, can you live on insurance money? Unemployment insurance cannot be enjoyed immediately until it has been paid for one year. Take Beijing as an example. If the urban registered permanent residence personnel meet the requirements for receiving unemployment insurance benefits, the payment standard of unemployment insurance benefits is: if the accumulated payment time is over 1 year and less than 5 years, the monthly payment standard of unemployment insurance benefits is 1, 2 12 yuan. Therefore, it is unrealistic to expect unemployment insurance to live.

1 1. About industrial injury insurance? Is occupational disease a work-related injury?

Article 14 of the Regulations on Work-related Injury Insurance clearly stipulates that employees suffering from occupational diseases shall be recognized as work-related injuries.

12. What are the work-related injuries?

1.？ Injured by an accident during working hours and workplace due to work;

2.？ In the workplace before and after working hours, engaged in work-related preparation or finishing work and was injured by an accident;

3. Being injured by violence and other accidents during working hours and workplaces due to the performance of duties;

3.？ Suffering from occupational diseases;

4.？ When going out to work, he is injured or his whereabouts are unknown due to work reasons;

6, on the way to and from work, traffic accidents or cities that are not my main responsibility. Injured due to rail transit, passenger ferry and train accidents;

7. Other circumstances that should be recognized as work-related injuries as stipulated by laws and administrative regulations. "48 hours of life and death" of industrial injury insurance.

Article 15 of the Regulations on Work-related Injury Insurance stipulates that "anyone who dies of sudden illness during working hours and jobs or dies after being rescued within 48 hours" is regarded as a work-related injury.

13. Social security card is very important!

Pension, unemployment, medical care, work injury, childbirth, you need these big occasions. If the social security card is lost, the cardholder shall report the loss in time: temporary reporting channels: social security card service agency outlets, 12333 telephone service hotline, online service platform and social security card service bank customer service platform. Official loss reporting channel: Go to social security card service institutions and social security card service bank outlets with valid identity documents to apply for formal loss reporting and bank account application.

14. "Five insurances and one gold" or "four insurances and one gold".

In July this year, Ministry of Human Resources and Social Security proposed that the registration, payment, management, handling and information system of maternity insurance and basic medical insurance should be unified in the future, and the familiar "five insurances and one gold" will become "four insurances and one gold".