I introduction of five insurances and one gold:
1. payment base: the state stipulates that the payment of five insurances and one gold is based on the average monthly pre-tax salary of employees in the previous year. The maximum payment is 3 times the average monthly pre-tax salary of the local society in the previous year, and the minimum payment is 60%.
2. Payment ratio: Pension, medical care, unemployment, maternity, industrial injury insurance and provident fund all have payment ratios, and local regulations are different. Well, do you know the base number of five insurances and one gold? How is the base number determined? First of all, the base of five insurances and one gold is actually composed of two parts: the payment base of five insurances and the payment base of provident fund. These five insurances naturally refer to social security and one gold refers to housing provident fund. Secondly, how to determine the payment base of five insurances and one gold depends on whether your current pre-tax salary is compared with the local average salary. If the salary paid is greater than the average salary, 60% will be fine, which will be lower than 300% of the local average salary, and this payment base is your pre-tax salary. If not, it will be calculated according to the local minimum 60% and maximum 300%, and the payment base of five insurances and one gold in each place is different, depending on the payment ratio of each place.
Second, the actual benefits of paying five insurances and one gold:
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 get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.
1. Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age.
2. Individuals who participate in the basic medical insurance for employees will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits according to the provisions of the state if they reach the statutory retirement age; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.
3. Employees who are injured by accidents or suffer from occupational diseases due to work-related reasons shall enjoy work-related injury insurance benefits after being identified as work-related injuries; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability treatment.
4. If the unemployed meet the requirements, they will receive unemployment insurance money from the unemployment insurance fund.
5, the employer has paid maternity insurance, workers enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.
legal ground
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.
Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.