"Five insurances and one fund" refers to five types of insurance, including 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-ordinating fund means: In the process of gradually transforming the pension insurance system from a state-unit system to a state-social system, state coordination is needed to solve problems such as uneven economic development and population aging. (1) Established mainly with corporate contributions

Social pooling fund; (2) personal accounts mainly paid by employees and enterprises; (3) the government bears the management costs of pension insurance funds. This semi-fund system that combines social pooling and personal accounts is conducive to coping with China's aging population.

Crisis, gradually disperse the costs of transition from the old system to the new system, and 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.

Cardinality.

Some companies pay basic wages and some related subsidies, but some companies pay only basic wages, which is against the law.

Please consult your local labor department for specific ratios.

As for the withdrawal of pension insurance, unemployment insurance and medical insurance, they can only be collected under the conditions permitted by law, and are issued by the insurance registration department. For example, "pension insurance must meet the statutory requirements."

You must also meet certain conditions to receive N gold. For example, if you go to the sub-district office where your household registration is located to apply for an unemployment certificate and apply for a job search certificate at the same time, it means that you must be willing to find a job after you lose your job. Only with these conditions can you receive it if you are unemployed.

If you don't want to work after that, you won't be able to receive insurance benefits. In addition, you can't enjoy pensions and unemployment benefits at the same time. Do you have insurance during the probation period, because the probation period is a contract?

It is an integral part of the contract period and is not isolated from the contract period, so insurance should also be provided during the probation period. In addition, it is a legal obligation for the company to provide insurance to employees, and it does not depend on the intention or voluntariness of the parties.

Even if employees say they don’t need to pay insurance, it doesn’t work, and commercial insurance cannot replace social insurance benefits. 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 monthly benefits according to regulations.

The basic pension is calculated and paid until death. The calculation formula of the 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% (payment

If the period is less than 15 years, the rate is 15%) + personal account principal and interest + ÷120 + indexed average monthly payment salary × payment period before the end of 1997 × 1.4%. 2. Death benefits (1) Funeral expenses (2) One-time pension.

Fee (3) Difficulty subsidy for immediate family members who meet the supporting requirements shall be paid on a monthly basis until the death of the supporting immediate family member.