These are some provisions of social security. Take a look at it yourself. The three insurances are the most basic social insurance; including: pension insurance, medical insurance, and unemployment insurance.

Insurance means: pension insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; one fund means: housing provident fund.

The payment of three insurances is stipulated by the national social security policy, and any employer should insure its employees.

As long as you have signed an employment contract with your employer, it should insure you.

However, these three insurances are not entirely paid by your company, but are paid jointly by you and your company.

According to employee wages, the share ratio between units and individuals is generally: pension insurance units bear 20% and individuals bear 8%; medical insurance units bear 6% and individuals 2%; unemployment insurance units bear 2% and individuals 1%.

Pension insurance is mainly for people to receive pensions after retirement in the future to prevent life from being miserable in their later years.

Medical insurance mainly means that when you are sick and hospitalized, your employer can reimburse about 50% of the expenses, which is also very important.

Work-related injury insurance is even more clear.

There are also five insurances and one fund. How does the company insure its employees? Regarding the five insurances and one fund: pension insurance, medical insurance and unemployment insurance, these three insurances are premiums paid by the enterprise and the individual simultaneously, work-related injury insurance and maternity insurance

The insurance is entirely borne by the company.

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.

Regarding the withdrawal of pension insurance, unemployment insurance and medical insurance, it can only be collected under legally permitted circumstances, and is issued by the insurance registration department. For example, "pension insurance can only be obtained after reaching the legal age. Unemployment insurance benefits can be collected only when the legal age is reached."

You also need to meet certain 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 still be willing to find a job after losing your job. Only with this condition can you receive it if you do not want to work after losing your job.

, then you will not be able to receive insurance benefits. In addition, pension and unemployment benefits cannot be enjoyed at the same time. "Do you have insurance during the probation period?

Insurance should also be available during the probation period, because the probation period is an integral part of the contract period and is not isolated from the contract period.

Therefore, you should also be insured during the probation period.

In addition, it is a legal obligation for enterprises to insure their employees, and it does not depend on the intention or voluntariness of the parties involved. Even if the employees indicate that they do not need to pay for insurance, commercial insurance cannot replace social insurance.

Benefits of pension insurance If you have paid pension insurance for more than 15 years in total and reached the statutory retirement age, you can enjoy the benefits of pension insurance: 1. Receive a basic pension calculated in accordance with 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) +

The sum of personal account principal and interest ÷120 + indexed average monthly paid salary × number of years of payment before the end of 1997 × 1.4%.

2. Death treatment.

(1) Funeral expenses (2) One-time pension (3) Living difficulties subsidy for immediate family members who meet the supporting requirements, which will be paid on a monthly basis until the death of the supporting immediate family member.