The gears with five insurances and one gold are divided into low gear, first gear, second gear and third gear, and the payment rates are 4%, 6%, 8% and 1% respectively.

The national pension fund is at least 5% of the salary, which can be more than 5%. According to the payment and corresponding treatment, the basic medical insurance is divided into three forms: first, second and third. The basic medical grade means that the individual pays 8% of the payment base and the company pays 2% of the payment base. The base of payment is generally the basic salary of each month. Payment ratio: 2% of the unit (all included in the overall fund) and 8% of the individual (all included in the individual account). Payment ratio of medical insurance: 8% for units and 2% for individuals.

"Five insurances" refers to five kinds of insurance, including old-age insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. 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.

in terms of "five risks", the proportion of units and individuals is generally: 16% for pension insurance units and 8% for individuals; 6% for medical insurance units and 2% for individuals; Unemployment insurance units bear 2% and individuals 1%; 1% of maternity insurance shall be borne by the unit; .8% of industrial injury insurance is also borne by the unit, and individual employees do not bear maternity and industrial injury insurance.

from January 1, 221 to June 3, 221, if individual industrial and commercial households without employees and flexible employees voluntarily participate in the basic old-age insurance for enterprise employees, the base of payment salary is divided into twelve grades, which are 3,368 yuan, 4, yuan, 5, yuan, 6, yuan, 7, yuan, 8, yuan, 9, yuan and 1, yuan in turn.

in terms of content, social insurance refers to a kind of security system that takes workers as the protection object, takes special events such as old age, illness, disability, unemployment and death of workers as the protection content and is characterized by compulsory implementation by the government.

theoretically, the old-age insurance can't be interrupted. If it is paid after the break-off, there will be a late payment fee (and it is not allowed to be paid in different regions), and finally it will be accumulated years. However, if it is not paid in full for 15 years at the retirement age, it is theoretically impossible to go through the retirement formalities, and you will not receive the pension (some regions will let the insured continue to pay until the conditions of 15 years are met, while others will let the insured pay the difference in one lump sum), but the more you pay, the more you will get.

Legal basis:

Social Insurance Law of the People's Republic of China

Article 12 An employing unit shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state and record it in the basic old-age insurance pooling fund.

employees should pay the basic old-age insurance premium according to the proportion of their salary stipulated by the state and record it in their personal accounts.

individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual account respectively.