"Five insurances and one gold" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance;

"one gold" refers to the housing accumulation fund.

among them, pension insurance, medical insurance and unemployment insurance are the premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay. It should be noted here that "five risks" are legal, but "one gold" is not.

Payment ratio of "five insurances and one gold"

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At present, the payment ratio of Beijing's old-age insurance is 2% for the unit (17% of which is transferred to the overall fund and 3% to the personal account) and 8% for the individual (all of which are transferred to the personal account); Medical insurance payment ratio: unit 1%, individual 2%+3 yuan;

Unemployment insurance payment ratio: 1.5% for the unit and .5% for the individual; Industrial injury insurance determines its industrial injury rate according to the industry scope that the unit is divided into; Maternity insurance payment ratio: unit .8%, individuals do not pay.

contribution ratio of housing provident fund: according to the actual situation of enterprises, choose the contribution ratio of housing provident fund. However, in principle, the maximum payment shall not exceed 1% of the average wage of Beijing employees.

(Pooling funds means that in the process of the gradual transformation of the old-age insurance system from the state-unit system to the state-society system, the state needs to co-ordinate to solve the problems of unbalanced economic development and aging population.

(1) establish a social pooling fund based on enterprise contributions; (2) establish individual accounts mainly by employees and enterprises; (3) The government bears the management expenses of the endowment insurance fund. This semi-fund system, which combines social pooling with individual accounts, is conducive to coping with the crisis of population aging in China, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transformation from the enterprise pension insurance system to the individual pension insurance system. )

the payment amount of four insurances and one gold varies from region to region, and the base is the total salary. Some enterprises have basic salary and some related subsidies when paying, but some enterprises only pay basic salary when paying, which is against the law. The specific proportion should be consulted with the local labor department.

The withdrawal of pension insurance, unemployment insurance and medical insurance can only be obtained under the legal permission, and it is issued by the insurance registration department, such as "pension insurance can only be obtained when you reach the legal age, and the collection of unemployment insurance benefits also requires conditions, such as you go to the street office where your household registration is located to apply for unemployment certificate and apply for a job permit at the same time, which means that you must have the will to apply for a job after you lose your job.

if you don't want to work after losing your job, you can't get insurance money. In addition, pension and unemployment benefits cannot be enjoyed at the same time.

do you enjoy 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, and it 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 an enterprise to insure its employees, which does not depend on the intention or willingness of the parties concerned, even if the employees say that they do not need to pay insurance, and commercial insurance cannot replace social insurance.

Enjoy the benefits of old-age insurance

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Those who have paid the old-age insurance for more than 15 years and reached the legal retirement age can enjoy the benefits of old-age insurance:

1. Receive the basic pension calculated according to regulations on a monthly basis until their death.

The calculation formula of basic pension is as follows:

Basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the year before retirement × 2% (15% for those whose payment period is less than 15 years)+personal account principal and interest and indexed monthly average payment salary × payment period before the end of 1997 × 1.4%.

2. Death treatment. (1) Funeral expenses (2) One-time pension expenses (3) Subsidies for immediate family members who meet the support conditions will be paid monthly until the immediate family members who support them die.

note: the old-age insurance should be paid continuously as far as possible. according to the relevant documents, if an enterprise or the insured pays the basic old-age insurance premium intermittently (except those who are unemployed during the period of receiving unemployment insurance benefits or who do not pay according to relevant regulations), the insured meets the pension conditions stipulated by the state. When calculating the basic pension, the calculation base of the basic pension is, According to the cumulative intermittent payment time, it is pushed forward year by year to the average salary of employees in this city in the previous year of the corresponding year (the cumulative intermittent payment time is calculated as an intermittent payment year every 12 months, and less than 12 months are not counted)

For example:

If you retire in 22, your basic pension will normally be 2% of the social average salary in 219, but if your pension insurance is interrupted by 3% before retirement, That is, it has been interrupted for 2.5 years. According to the two-year calculation, your basic pension is the average social salary in 217 × 2%

medical insurance benefits

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1. Medical expenses for outpatient and emergency services

The medical expenses that meet the requirements of basic medical insurance for on-the-job employees during the year (January 1-December 31) totaled more than 2, yuan.

2. Settlement ratio:

During the contract period, 5% of the dispatched personnel will be reimbursed and 5% will be paid by the individual;

within one year, the maximum amount of reimbursement for outpatient and emergency services paid to dispatched personnel is 2, yuan.

3. Insured personnel should properly keep the outpatient medical documents (including receipts and prescriptions below a large amount) that are treated in designated hospitals as medical expense reimbursement vouchers;

4. Outpatient medical treatment for three kinds of special diseases: When the insured suffers from radiotherapy and chemotherapy of malignant tumor, renal dialysis and renal transplantation and needs to take anti-rejection drugs in the outpatient clinic, the second-and third-level designated hospitals where the insured sees a doctor will issue a "disease diagnosis certificate", fill in the "Application and Approval Form for Special Diseases of Beijing Medical Insurance" and report it to the district medical insurance center for approval and filing. Outpatient treatment and drug collection for these three special diseases are limited to designated hospitals approved for treatment, and cannot be purchased at designated retail pharmacies. The medical expenses incurred meet the prescribed scope of outpatient special diseases, and shall be settled with reference to hospitalization;

5. Hospitalization

● Hospitalization deposit: When the insured meets the hospitalization conditions, the hospital will collect part of the deposit of the insured, and the amount of the deposit will be determined by the hospital according to the condition. If the dispatched personnel unit and the insured fail to pay the medical insurance premium in full and on time, the hospitalization deposit shall be paid in full by the dispatched personnel;

● settlement period: every 9 days of hospitalization of insured persons is a settlement period; if it does not exceed 9 days, each hospitalization is a settlement period;

● The medical expenses of patients with malignant tumor who receive radiotherapy and chemotherapy, renal dialysis, anti-rejection drugs after renal transplantation, and patients with mental illness who need to be hospitalized all the year round shall be settled every 36 days;

● The medical expenses incurred by the insured in the family sickbed treatment at the designated community health service center (station) shall be settled every 9 days;

● When the insured is discharged from the hospital or at the end of the stage of treatment, it is necessary for the dispatched personnel to settle with the hospital the expenses that should be paid by the dispatched personnel at their own expense and by themselves, and the medical expenses that should be paid by the basic medical insurance pooling fund and large medical mutual aid funds should be reported to the medical insurance center for review and settlement by the hospital;

● When the insured person is hospitalized, the settlement of medical expenses within the scope stipulated by the basic medical insurance shall be set, and the minimum payment line and the maximum payment amount of the basic medical pooling fund shall be set;

● The first hospitalization of deductible line is 1,3 yuan, and the later hospitalization is in 65 yuan, and the maximum payment limit is 5, yuan; If the maximum payment limit is exceeded (excluding the part below Qifubiaozhun and the personal burden of the dispatched personnel), 7% of the funds will be paid for mutual medical expenses, and the personal burden of the dispatched personnel will be 3%. Pay a maximum of 1, yuan in a year. The settlement standard of hospitalization expenses shall be calculated by stages and paid cumulatively according to the level of the hospital and the amount of expenses in a settlement period.

(When the proportions are adjusted, the new standards shall be implemented)

Note: medical insurance is exempt from liability for traffic accidents other than business.

unemployment insurance benefits

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unemployment insurance has been paid continuously for more than one year, and the files are returned to the street. You can enjoy unemployment insurance benefits in the street.

1. Unemployment insurance: refers to the basic living expenses paid by unemployment insurance agencies to eligible unemployed people according to regulations, which is the most important unemployment insurance benefits. Unemployment insurance benefits is implemented according to relevant documents of Beijing;

2. Medical subsidy during the period of receiving unemployment insurance benefits: refers to the subsidy paid to the unemployed for medical expenses incurred during the period of receiving unemployment insurance benefits. According to the relevant policies and regulations of Beijing;

3. Funeral subsidies for unemployed people who died during the period of receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members shall be implemented in accordance with relevant regulations.

Work-related injury insurance benefits

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If an accident happens unfortunately during the contract period, you need to ask the enterprise for a description of the situation and affix the official seal of the enterprise, and apply for work-related injury identification as soon as possible (preferably within three working days), and you need to provide the following materials:

1.

2. Occupational disease diagnosis certificate (one original and one copy each);

3. In case of traffic accident, the accident award of the traffic brigade or the traffic accident certificate of the traffic department shall be provided;

4. Copy of ID card;

5. The original labor contract within the validity period

Maternity insurance is entitled to treatment

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Maternity-related expenses can be reimbursed

The scope of reimbursement includes maternity allowance, maternity medical expenses, family planning operation medical expenses and other maternity-related expenses stipulated by the state and this Municipality.

The maternity allowance is calculated according to the payment base of the month when the female employee gives birth, divided by 3 and multiplied by the number of days of maternity leave. Maternity allowance is the salary of female employees during maternity leave. If the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise.

Maternity medical expenses include medical examination expenses, delivery expenses, operation expenses, hospitalization expenses and medicine expenses incurred by female workers due to pregnancy and childbirth.

The medical expenses of family planning operation include the medical expenses incurred by employees due to family planning.

Now, it is required that medical insurance has been paid for 2 years, and pension has been paid for 15 years before you are eligible to receive pension and enjoy medical insurance reimbursement after retirement.

Special tips

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First of all, if you go to work in a place other than your registered permanent residence, for example, if your original registered permanent residence is in Beijing and you go to work in Shenzhen, regardless of whether your registered permanent residence is transferred to Shenzhen

, in case you don't work in Shenzhen in the future, you will pay five insurances and one gold in Shenzhen.

Because there is no internet connection in the whole country, there is only internet connection in Beijing. That is to say, if you used to work in a company in Beijing and jumped to work in another company in Beijing a few years later, there is no problem with five insurances and one gold. However, if you jump from other provinces and cities, it will be very troublesome to turn, and it is still a problem whether you can turn.

Three of the five risks mentioned above are paid by both enterprises and individuals. This means: for example, for the old-age insurance

, if your salary is 2, then you have to pay 8% personally and 15% by the company (all the above data are

hypothetical), and all the money will be deposited in one of your accounts, and you can only withdraw it

when you can enjoy the old-age insurance (see the previous paragraph for specific conditions), and then consider what is written in the above paragraph.

all enterprises and individuals pay the same amount, and so does the housing provident fund. For example, if you pay 5 yuan a month, the company will pay you 1, yuan. If you change jobs, the money can't be transferred.

Then you will pay 5 yuan a month for nothing and can't take it out-because you are not eligible to enjoy the housing provident fund.

Then some people may ask: If I don't plan to develop in the city where I just started working for a lifetime, can I not pay the five insurances and one gold in order to prevent

from being transferred? The answer is no. At least the three risks part is compulsory by the state, so it is quite helpless.

In addition, the base for paying five insurances and one gold is the question of which part of your salary is multiplied by that percentage. It's like this

. First, let's look at the composition of salary: basic salary+various benefits+bonus. Many enterprises only pay five insurances and one gold according to the basic

salary, because if you calculate according to the three parts, you have more personally but the company gives you more

(the five insurances and one gold paid by both enterprises and individuals are small for individuals and big for companies), so many enterprises save money for themselves, and the base is as small as possible. In addition, regarding the welfare part, there is a big problem, which everyone must ask when signing the

contract in the future!

As mentioned earlier, housing accumulation fund is also paid by enterprises and individuals, but the part paid by enterprises will be yours sooner or later (as long as you buy a house in the future, you can take it out at one time). For example, if you pay

5 per month in proportion, the company may give you 1. Although this 15 can't be taken out before you buy a house, theoretically it is also for you, so some enterprises will count it as your welfare. Actually, it shouldn't count! ! ! ! Because that 1 yuan is false, you can't get it when you don't buy a house, so when you sign it, you should ask whether this welfare includes housing provident fund, be careful!

the algorithm of "four gold" in company welfare (refer to Shanghai)

the base definition of "four gold" payment

Generally, the base of four gold is the salary of the current month, but if the salary is very high (for example, it exceeds three times the average monthly salary of your city

last year), the base will reach the top. And if the salary is particularly low (for example, it is lower than 6% of the average monthly social salary in your city

last year), then the base number also has a back cover.

Take the situation in Shanghai in 24 as an example. In 23, the average monthly social wage was 1,847 yuan. If your monthly salary

exceeds 1847*3=5541 yuan. Then the four gold base is 5541 yuan; If your monthly salary is less than 1847*6%=118.

2 yuan, the four gold bases are 118.2 yuan. If the salary is between 118.2 and 5541 yuan, then the base is your < P > salary.

the proportion of "four funds"

the proportion of "four funds": individuals pay part of the company's contribution

pension insurance: base *8%+ base *22% (it seems that this proportion has been changed recently)

medical insurance: base *2%+ base *12%

unemployment insurance: base * 1%. 7%

among them, the individual pays the left part, that is, 8%+2%+1%+7%=18%, and the company pays the right part, that is, 22%+1

2%+7% = 43%, that is to say, the salary after deducting the four gold is: X= the worker's salary-the base * 18. And the total fund paid by the company

is Y=