Social security is divided into five insurances and one gold. Five insurances are pension, medical care, work injury, unemployment and maternity, and one gold is housing accumulation fund.
The proportion and quantity of these five insurances and one gold are different in different regions, some regions pay five insurances and one gold, some regions only pay five insurances and no gold, and some regions only pay pension, medical care and work injury insurance, and the types of payment are different.
Medical care is divided into cooperative medical care and comprehensive medical care, cooperative medical care. Individuals only need to pay 4 yuan money/month, but comprehensive medical care pays 2% of the salary base every month, but cooperative medical care can only reimburse a certain proportion, usually 3/7 or 4/6, and individuals account for a small part. However, in terms of comprehensive medical care, the medical amount on the social security card is increasing. If you are sick, you can go to the hospital for full reimbursement, or you can help your loved ones for reimbursement, which is equivalent to the style of direct credit card.
Pension, 8% for individuals and 65,438+00% for companies. For the provident fund, it is stipulated that it should not exceed 20% of the salary, and the contribution ratio of units and individuals is the same, generally 5%. If it is cooperative medical care, individuals only need to pay 4 yuan/month, comprehensive individuals pay 2%, and companies pay 3%-5%. Unemployment, maternity and work-related injuries are paid by the unit, and individuals do not need to pay.
The functions of five insurances and one gold are as follows:
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.
Legal basis:
People's Republic of China (PRC) social insurance law.
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Labor law of the people's Republic of China
Article 72 The sources of social insurance funds shall be determined according to the types of insurance, and social pooling shall be gradually implemented. Employers and workers must participate in social insurance and pay social insurance premiums according to law.