"Five Risks" 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, 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. It should be noted here that "five risks" are legal, but "one gold" is not. What is the payment ratio of "five insurances and one gold"? At present, taking Beijing as an example, the proportion of endowment insurance payment: 2% for the unit (of which 17% is included in the overall fund and 3% is included in the personal account) and 8% for the individual (all included in 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. Non-working hukou does not have this, so the most non-working hukou is "four insurances and one gold". Provident fund contribution ratio: according to the actual situation of the enterprise, choose the proportion of housing provident fund contribution. However, in principle, the maximum payment shall not exceed 1% of the average wage of Beijing employees. (Overall planning fund means: 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 overall planning 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 is different in each region, and the base is based on 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 old-age insurance, unemployment insurance and medical insurance can only be obtained under the legal permission, and it is issued by the insurance registration department. For example, "old-age insurance can only be obtained when you reach the legal age, and unemployment insurance benefits can also be obtained under conditions. For example, if you go to the street office where your household registration is located and apply for a job permit, it 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: you can enjoy the benefits of old-age insurance if you have paid the old-age insurance for more than 15 years and reached the legal retirement age: 1. Receive the basic pension paid according to the regulations on a monthly basis until your 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% if the 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: 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 its basic pension, For example, if you retire in 22, your basic pension is normally 2% of the social average wage in 219, but if your pension insurance is interrupted for 3 months before retirement, That is, it has been interrupted for 2.5 years. According to 2 years, your basic pension is the average social salary in 217 × 2% medical insurance. 1. Medical expenses for outpatient and emergency services During the year (January 1-December 31), the medical expenses within the scope of basic medical insurance totaled more than 2, yuan; 2. Settlement ratio: 5% of the part of the dispatched personnel over 2, yuan will be reimbursed during the contract period, and 5% will be paid by the individual; In a year, the maximum amount of accumulated reimbursement for dispatched personnel for outpatient and emergency services is 2, yuan.