Endowment insurance: the unit pays 2 1% for you every month, and you pay 8% yourself;

Medical insurance: the unit pays 9% for you every month, and you pay 2% plus 10 yuan major illness co-ordination (major illness co-ordination mainly covers hospitalization);

Unemployment insurance: the company pays you 2% every month, and you pay it yourself1%;

Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay a penny yourself;

Maternity insurance: the unit pays you 0.8% every month, and you don't have to pay a penny yourself;

Housing accumulation fund: the unit pays you 8% every month, and you pay 8% yourself.

Most importantly, in this way, the proportion of social security paid by the company for you every month should be 21%+9%+2%+0.5%+0.8%+8% = 41.3%.

Your monthly social security payment should be 8%+2%+10+1%+8% =19%+10.

Leaving aside Yuan You's 10 for the time being, the ratio paid by the company and yours should be 4 13: 190, that is to say, if.

You pay 190 yuan Social Security every month, then the company will put 4 13 yuan into your social security account.

The monthly increase in your social security account should be 4 13+ 190=603 yuan.

So when you can't see it, the company actually pays more than twice as much as you, so you pay social security every month.

Don't feel bad at work ~ you should know that the unit pays much more than you do, but it is the unit that feels bad.

Back to three insurances and one gold and five insurances and one gold, you should see it here. In fact, the three dangers mentioned in the Jianghu.

One gold is completely equal to five insurances and one gold, but three insurances and one gold come from your personal insurance (pension+medical care+unemployment+provident fund).

Yes, five insurances and one gold are the insurance paid by your company (pension+medical care+unemployment+work injury+maternity+provident fund). Put out three insurances and one insurance.

Gold says five insurances and one gold, but it's just a nice talk.

In addition to the unit can pay social security for you, in fact, people who have no job but have income or people who have a unit but don't pay social security can also do it.

Pay social security by yourself, but individuals can only pay endowment insurance+medical insurance, work injury, maternity, unemployment, provident fund, but individuals can't.

Here is what is the social insurance payment base.

Just now, as we all know, the monthly social security contribution ratio of the company is almost 4 13: 190, so

Now there is another question: what is the relationship between the social insurance premium I pay every month and this ratio? How much is the social insurance premium?

Are you sure?

You may not have noticed that every province and city will issue the "minimum payment base of social insurance" at the beginning of July every year. This base

The figures are calculated according to the average salary+welfare+various subsidies of employees in the previous year.

Yes, the minimum base announced by Nanjing in July this year is 1 189 yuan. What does this mean? It means that as long as Nanjing is positive,

It is stipulated that the company that pays social security for employees shall pay at least1189× 41.3% = 491yuan per month for each employee, and each employee

Pay at least1189×19%+10 = 236 yuan every month, so that the social security fees that you and your company should pay every month will come out.

But now there are new problems. The wages of employees in Nanjing vary greatly. Some people get 1000 a month, while others can get it in a month.

10000, does that mean that people who take 1000 pay the same social security fee as those who take 10000?

Please note that 1 189 is the lowest radix, and there is the highest radix above 1 189. Nanjing's highest base this year seems to be more than 8,000.

I forgot the details. Anyway, if your salary is below 1 189 yuan per month, the company must pay you 1 189 yuan.

189× 41.3% = 491yuan, and at least1189×19%+10 = 236 yuan every month.

The significance of guaranteeing the minimum payment base is that even if you get 1000 or 800 yuan every month, you should press the minimum every month.

Pay according to 1 189!

But if your salary is higher than 1 189, for example, if you get 3000 yuan a month, when the company goes to the labor bureau to pay insurance for you (you

The social security fees paid by the unit and you shall be withheld by the Labor Bureau. You should say to the labor bureau, "Yes, we have a colleague here."

seek ......

What are five insurances and one gold? How to use five insurances and one gold?

Old-age insurance: Old-age insurance is a social insurance system that workers get certain economic compensation, material help and services from the society after reaching the statutory retirement age; You can't get it until you retire.

Medical insurance: social insurance private hospitals will be included in the scope of medical insurance. Recently, Li Jinghu, deputy secretary-general of China Medical Insurance Research Association and deputy director of the National Ministry of Human Resources and Social Security Social Security Research Institute, said that private medical institutions are treated equally and included in the designated scope of basic medical insurance according to certain conditions. The basic medical insurance system for urban employees is a social insurance system based on the affordability of finance, enterprises and individuals to ensure the basic medical needs of employees.

Industrial injury insurance: Industrial injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and relatives of the deceased;

Unemployment insurance: unemployment insurance is a system enforced by the state through legislation, and funds are set up by the society to provide material assistance to workers who temporarily suspend their livelihood because of unemployment;

Maternity insurance: Maternity insurance is based on the physiological characteristics of reproductive behavior. When working women temporarily stop working and lose their normal income due to childbirth, the state or society provides them with material help. Maternity insurance benefits include maternity allowance and maternity medical services.

Housing accumulation fund: refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

How to use five insurances and one gold?

Five insurances and one gold refer to several kinds of security benefits provided by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

On-the-job employees shall pay the housing provident fund in accordance with the regulations. "The housing provident fund is a' payable' project, which is legally necessary, and payment also means that it is an obligation.

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold"

baike.baidu/...x_HDMa

What is five insurances and one gold? How to use it?

Endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance, housing accumulation fund.

1. Endowment insurance: Your consumption level may drop sharply after retirement.

At present, the core of China's old-age insurance system is the basic old-age insurance for urban workers. That is, people who work can deduct a sum of money from their salary every month and get a pension from the social security system when they reach the legal retirement age (60 men and 50 women).

If you graduate from university at the age of 22 and work in Beijing with the highest China Pension Development Index, the average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2065,438+065,438+0 was 4,672 yuan), and the salary base paid by the company is 8,000 yuan. According to the fixed growth rate of 5%, when you retire (60 years old), your monthly salary is 48,600 yuan. According to current standards, the pension you receive after retirement is 8624 yuan. This is only equivalent to 18% of the salary before retirement, and is lower than the national average basic consumption expenditure.

2. Medical insurance: Not all diseases can be insured.

Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction and mental illness are not covered by medical insurance. In addition, if there are unfortunate traffic accidents or injuries by gangsters, these are not covered by medical insurance. Only when the public security organ proves that the injurer cannot be found can it be temporarily written off by medical insurance. There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.

3. Unemployment insurance: Is it worthwhile to spend a lot of money?

To receive unemployment benefits, we must first meet the following two conditions:

1) The employer and I have fulfilled the obligation to pay unemployment insurance for 1 year according to the regulations.

2) Resignation without my own initiative comes with a lot of procedures: you should register for unemployment in the labor and social security department of the street or town where your household registration is located, and apply for unemployment insurance benefits within 60 days from the date of resignation, with the vocational guidance and training card, household registration book, ID card, labor (employment) termination contract or work relationship certificate and photos.

Pay attention to the location of your hukou, that is, if your hukou is in Gansu and people work in Shanghai, you have to go back to your hometown all the way. According to current standards, the unemployment insurance premium in most cities ranges from several hundred yuan a month, and basically does not exceed 1 10,000 yuan. The more backward the economy is, the less you can get. There is not much money, and the time to get it is not long: before unemployment, pay 1 to five years, and get 12 months at most; 5 years to 10 years, at most 18 months; If the accumulated payment time exceeds 10 year, the longest payment period is 24 months.

4. Work-related injury insurance: 48-hour life and death line

An article entitled "Young migrant workers die late 1 hour, isn't it that work-related deaths force them to die early?" The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.

They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.

In fact, disputes and lawsuits about work-related injuries have been going on. It's not just a 48-hour line. It's not that easy to identify work-related injuries.

5. Maternity insurance: It is very private to have a unit to give birth, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.

Maternity insurance must be paid for at least one year to enjoy it. After giving birth, we will continue to pay the fees. If you don't pay, you won't enjoy the benefits of family planning later.

6. Housing accumulation fund: it is not cost-effective not to use it for a long time.

As many people know, the more housing provident fund units pay each month, the better, which can be used to buy houses and decorate in the future. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account.

Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In the case of increasing inflation, it is obviously not as good as self-investment, or even as good as one-year time deposit in banks. ...

What are five insurances and one gold? What's the use?

Let me tell you what "five insurances and one gold" is. It doesn't hurt to spend five minutes reading.

"Five insurances" 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, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not.

What is the payment ratio of "five insurances and one gold"?

At present, the contribution ratio of endowment insurance in Beijing is: 20% for the unit (of which 17% is included in the overall fund and 3% in the personal account) and 8% for the individual (all included in the personal account);

Medical insurance payment ratio: unit 10%, individual 2%+3 yuan;

Unemployment insurance payment ratio: unit 1.5%, individual 0.5%;

Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit;

Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual. Non-working accounts do not have this, so the most non-working accounts are "four insurances and one gold".

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. However, in principle, the maximum wage shall not exceed 10% of the average wage of employees in Beijing.

(Overall planning fund refers to: 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 make overall plans to solve the problems of unbalanced economic development and aging population.

(1) Establish a social pooling fund mainly based on enterprise contributions; (2) Establish personal accounts based on employees and enterprises; (3) *** bear the pension fund management costs. This semi-fund system, which combines social pooling with individual accounts, is conducive to coping with the crisis of China's aging population, 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 pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department.

The surrender of endowment insurance, unemployment insurance and medical insurance can only be obtained under the circumstances permitted by law, and shall be issued by the insurance registration department. For example, "Old-age insurance can only be received if it reaches the legal age, and unemployment insurance benefits is also eligible to receive it. For example, if you go to the street office where your household registration is located and apply for an employment permit, it 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 won't get insurance money. In addition, pensions 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, not isolated from it. So you should also take out insurance during the probation period. In addition, it is the legal obligation of the enterprise to insure employees, which does not depend on the intention or will of the parties. Even if employees say that they do not need to pay insurance, commercial insurance cannot replace social insurance.

Enjoy old-age insurance benefits: after paying old-age insurance 15 years or more, you can enjoy old-age insurance benefits when you reach the legal retirement age;

1, receive the basic pension on a monthly basis according to regulations until death.

The basic pension is calculated as follows:

Basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement × 20% (the payment period is insufficient 15 is 15%)+ personal account principal and interest and indexed monthly average payment salary ×1payment period before the end of 997 ×

2. Death treatment. (1) Funeral expenses (2) One-time pension (3) Subsidies for immediate family members who meet the support conditions are paid monthly until the immediate family members who support them die.

Note: Endowment insurance should be paid continuously as far as possible. According to the relevant documents, if the enterprise or the insured pays the basic old-age insurance premium intermittently (except those who are unemployed or fail to pay according to the relevant regulations during the period of receiving unemployment insurance benefits), if the insured meets the conditions for receiving pension stipulated by the state, it will be included in the basic pension when calculating the basic pension. ......

What's the use of five insurances and one gold?

Old-age insurance is to provide for the elderly and receive a pension when you retire.

Medical insurance is used as medical reimbursement for employees' illness.

Unemployment insurance means that employees receive living expenses after they lose their jobs.

Maternity insurance is a kind of maternity insurance as a maternity reimbursement and related treatment for employees.

Work-related injury insurance refers to employees who suffer work-related injuries, pay medical expenses or compensate for related work-related injuries.

Housing provident fund is a housing reform, giving you a certain amount of housing provident fund, and the enterprise is responsible for investing some money to reduce your economic burden, each with its own advantages.

How to popularize "five insurances and one gold" in three minutes?

First of all, I'm here to help you popularize science:

The minimum payment period of social security is 15 years, and medical care is 25 years, which is not short-term insurance as you said, that is to say, you can enjoy the old-age insurance benefits only after you pay 15 years, and the money can be returned to you less than 15 years, while medical care is enjoyed while you pay, and you can't enjoy it without paying. As long as you are over 25 years old, you can enjoy the minimum base and you don't have to pay any more.

1, I won't count this. Go to the local social security network to find that rate and calculate it yourself!

2. No matter how long it takes, only the provident fund can be refunded, and social security 20 10 cannot be refunded.

Whether medical insurance can be used depends on what level of social security you pay. For example, we call it a silver card here, which is what I am participating in now. You can't use it. It can only be reimbursed in hospitals or specific outpatient clinics. You can only use it for a gold card. I don't know your level.

4. If you quit your job in this company, you can hang your social security file in the Social Security Bureau when you stop, and you can continue to pay it when you go to a new company, not the short-term insurance you mentioned. You can join social security without a new company. There are many ways of personal social security now, so I won't talk about it here. For example: new rural insurance, urban social security, personal social security and so on!

5, this is the same as the first question, I don't count!

6. Still like the fourth question, social security can go with people. Going to a new place to transfer social security and continuing to pay fees can guarantee citizens' social security benefits and enjoy corresponding benefits until retirement, so that they can feel safe and have medical security. So now most people have the consciousness of participating in social security, and they all know the benefits of social security, no matter how much, at least they can solve the basic needs of people's lives.

The following is the copy. I'm not very good at literary talent. I can only copy it for you. Please refer to one or two:

Benefits of social security

1, receive * * * pension: in deep pension, receive higher pension insurance than other regions in China; 2, outpatient credit card, child birth and other reimbursement: Shenzhen's new social insurance medical system was implemented in March this year, and its perfection, benefit to the population, and reimbursement scope are all leading in the country. For example, women who are not deeply rooted can enjoy maternity insurance in Shenzhen when they buy comprehensive medical care in Shenzhen. In Shenzhen hospitals, the proportion of reimbursement for maternity check-up, delivery and hospitalization is high, and the expenses are almost free; 3. Children attending public schools: non-deeply-cultivated parents buying social security is one of the necessary conditions for their children to attend deeply-cultivated public schools, which is closely related to their children's study and their purchase of medical insurance; 4. Apply for a credit card: social security linked, ID card and social security card to apply for a credit card, easy financial management. Anyone with work experience knows that social security provides us with the protection of old-age care, medical care and childbirth. For men, if they have purchased maternity insurance for one year, they can have 10 days paid vacation when their wives give birth to children.

How should the new company handle five insurances and one gold for its employees?

For employees, social insurance is usually called "five insurances and one gold". The specific five risks are: endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance; One gold: housing accumulation fund. Where the insured units and business managers should carry the original and photocopy of the following information, they should immediately go through the social insurance registration formalities at the local pension insurance management sub-center (enterprise sub-center) where the local tax registration is located, and fill in the social insurance registration form in triplicate (received by the pension center). The first step is to open a social insurance account 1, a copy of the business license for industrial and commercial registration or other certificates of approval for practice or establishment; 2. A copy of the local tax registration certificate; 3, the national technical supervision department issued by the organization unified code certificate; 4. Labor wage manual approved by the labor administrative department; 5. The labor contract signed by the employees of this unit and the enterprise, the registration form or list of employees, and the notice of change of the original endowment insurance; 6. Copy of employee ID card (all insured employees); 7. Official seal and name seal of the enterprise. Note: Article 5 The employment registration form and employment roster are employment forms issued by the municipal (district) employment bureau. Medical insurance, unemployment insurance, industrial injury insurance and maternity insurance must be handled by the relevant departments, and the procedures are basically the same as those of old-age insurance.

Please accept it, thank you!

What's the use of five insurances and one gold in the unit?

After the implementation of the Social Insurance Law, many people began to pay attention to five insurances and one gold. So, what's the use of paying five insurances and one gold? Listen to social security experts explain the ten benefits of paying five insurances and one gold;

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and if you deposit it in the bank, there will be interest tax.

3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death. With the improvement of social living standards, it will only increase rather than decrease, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life.

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.

5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the maternity insurance premium is entirely borne by the unit.

6. Payment of unemployment insurance benefits You can get unemployment insurance benefits and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.

7. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit.

8. Paying the housing provident fund is equivalent to the unit depositing a tax-free income in proportion to you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans.

9. After the implementation of the unified account pension insurance payment system, the actual payment period of social insurance has become the most convincing proof of the length of service of enterprises. There are more and more times when social security payment certificates are needed, such as proving social services to confirm the days of paid annual leave, for example, loans need to be paid in local social security for more than one year when real estate is regulated, and so on.

10, don't worry too much about inflation or currency depreciation, because the pension benefits are composed of two parts, and the personal account pension is completely formed by individual contributions. This branch has the same inflation risk as bank deposits; However, the basic pension is linked to the local social average wage and the individual indexed average wage, which is itself anti-inflation; And after retirement, it will increase capital every year with the local economic level. The more you pay, the longer you pay, and the higher the level of pension benefits after retirement.

How long can five insurances and one gold be used?

Social security is divided into five risks: pension, medical care, maternity, work injury and unemployment.

Among them, before retirement 15 years later, you can get a pension, and you can enjoy hospitalization reimbursement after 6 months of medical payment. The amount in the daily social security card can be used in outpatient clinics or pharmacies, and you can enjoy benefits after paying for maternity, work injury and unemployment for one year.

Provident fund: in line with local policies, you can apply for a loan after 6- 12 months of deposit to ease the pressure on your own mortgage; After leaving the company, you can withdraw the personal account amount in part or by closing the account according to your own situation.