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"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 regulations on the payment amounts of the four insurances and one fund are different in each region, and the base is based on the total salary.

. Some companies provide basic wages and related subsidies, but some companies pay only basic wages, which is against the law. For specific proportions, please consult the local labor department.

Unemployment insurance and medical insurance can only be withdrawn under legally permitted conditions, and are issued by the insurance registration department. For example, "pension insurance can only be obtained after reaching the legal age, and unemployment insurance benefits must also meet the conditions."

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 under such conditions can you receive it. If you don’t want to work after you lose your job, then you can’t.

Insurance benefits will be paid to you. In addition, pension and unemployment benefits cannot be enjoyed at the same time. ·Do you have 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, it is not

The isolation period is outside the contract period. Therefore, insurance should also be purchased during the probation period. In addition, it is a legal obligation for the company to provide insurance for employees, and it does not depend on the intention or voluntariness of the parties, even if the employees indicate that they do not need to pay for insurance.

No, and commercial insurance cannot replace social insurance. If you have paid pension insurance for more than 15 years in total and reached the legal retirement age, you can enjoy pension insurance benefits: 1. Receive a basic pension calculated according to regulations on a monthly basis until

Death. The calculation formula of 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% (15% if the payment period is less than 15 years)

) + personal account principal and interest + ÷120 + indexed monthly average salary × payment period before the end of 1997 × 1.4% 2. Death benefits (1) Funeral expenses (2) One-time pension (3) Those who meet the requirements for support.

Living difficulties subsidy for immediate family members is paid on a monthly basis until the death of the dependent immediate family member.