What you have to say about five insurances and one gold

1. What does five insurances and one gold mean?

according to the provisions of the social insurance law and the regulations on the management of housing provident fund, the employer must pay employees "five insurances and one fund", namely, endowment insurance, medical insurance, work injury insurance, unemployment insurance, maternity insurance and housing provident fund. Among them, pension insurance, medical insurance, unemployment insurance and housing accumulation fund are paid by the employer and the employees, while work injury insurance and maternity insurance are paid by the employer.

the labor law stipulates that "employers and workers must participate in social insurance and pay social insurance premiums according to law." If the employer fails to pay the "five insurances" to the employees, it is illegal. The Regulations on the Management of Housing Provident Fund stipulates that "if a unit hires employees, it shall go to the housing provident fund management center for deposit registration within 3 days from the date of employment", and it is a legal obligation for the unit to pay the housing provident fund for employees, not "whether it can be paid or not".

2. About endowment insurance? Can I retire after 15 years of pension insurance payment?

The Social Insurance Law stipulates that "individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid the accumulated contributions for fifteen years when they reach the statutory retirement age." It doesn't mean that you can retire after paying the endowment insurance for 15 years, but you must meet the retirement age. Take male employees as an example. Generally speaking, if you are under 6 years old, you can't retire temporarily even if you have paid the pension insurance for 2 years.

3. You don't have to pay the pension insurance after 15 years? That's not true.

"The accumulated payment of endowment insurance has reached 15 years" is one of the necessary conditions for retirement and enjoying the monthly pension. Pension is closely related to individual payment period and payment amount. The longer and more individuals pay, the higher the pension level. What should I do if I reach retirement age and haven't paid enough for 15 years? Take Beijing as an example, if you have a Beijing hukou, you can apply for deferred payment, but if you don't have anything to say, you can apply to make up for the dissatisfaction and then retire. If you have paid enough for 1 years, it will be less than 1 years and less than 15 years.

4. Regarding medical insurance, can I enjoy medical insurance after retirement?

Men who have paid for 25 years and women who have paid for 2 years can enjoy basic medical insurance benefits without paying after retirement.

5. how to use the social security card to see a doctor?

5.1. The card-holding medical treatment shall be subject to the designated medical institutions selected in the medical insurance manual. Class A hospitals, designated specialties and designated Chinese medicine hospitals do not need to choose, and they can take the social security card for direct medical treatment.

5.2. You must show your social security card when registering. If you don't show your social security card, the expenses incurred will be fully borne by the individual, and the medical insurance fund cannot pay it.

5.3. When paying the fee, the social security card and the payment documents should be handed over to the settlement personnel to pay part of the fees paid by individuals and at their own expense.

5.4. after receiving the settlement documents, check the contents of the documents and recover the social security card.

6. About housing accumulation fund? How to pay the housing accumulation fund?

according to the regulations, the contribution ratio of units and employees should not be less than 5%, and in principle it should not be higher than 12%.

7. what conditions can I withdraw the housing provident fund?

1. buying, building, renovating or overhauling owner-occupied housing;

2. Retired;

3. completely losing the ability to work and terminating the labor relationship with the unit;

4. Those who leave the country to settle down;

5. Repaying the principal and interest of the house purchase loan;

6. If the rent exceeds the specified proportion of family wage income,

the maximum personal loan amount of housing provident fund in some cities,

the maximum personal loan amount in cities:

1.2 million yuan in Beijing

6, yuan in Tianjin

5, yuan in Shenzhen

5, yuan in Wuhan

6, yuan in Shanghai

5, yuan in Guangzhou.

individuals don't have to pay for maternity insurance, and the proportion paid by employers generally does not exceed .5%. However, both men and women need to pay, and they can enjoy maternity treatment after paying for one year, but the benefits enjoyed by male and female employees are different. Male employee benefits.

1. If the spouse doesn't have a job or the work unit doesn't pay maternity insurance, and the male employee has paid the insurance for more than one year according to law, he can reimburse the maternity insurance instead of the spouse;

2. Enjoy paternity leave and corresponding maternity allowance.

9. Welfare of female employees

1. Maternity leave

According to the Special Provisions on Labor Protection of Female Employees, female employees enjoy 98 days of maternity leave, including 15 days before delivery; In case of dystocia, maternity leave will be increased by 15 days; In case of multiple births, the maternity leave will be increased by 15 days for each additional baby.

2. Maternity allowance;

3. Maternity medical expenses.

1. About unemployment insurance, can I get unemployment insurance if I lose my job?

According to the Unemployment Insurance Regulations, the requirements for receiving unemployment insurance benefits include:

1. In accordance with the provisions of the unemployment insurance, the unit and I have fulfilled the obligation to pay for 1 year in accordance with the provisions;

2.? Not because of my will to interrupt employment;

3. Those who have registered for unemployment and have job requirements. Therefore, it is not certain that you can receive unemployment insurance benefits if you are unemployed. If you don't want to work after unemployment, can you live on insurance money? Unemployment insurance cannot be enjoyed immediately until it has been paid for one year. Take Beijing as an example. If urban hukou personnel meet the conditions for receiving unemployment insurance benefits, the payment standard for unemployment insurance benefits is: if the accumulated payment time is over one year but less than five years, the monthly payment standard for unemployment insurance is 1,212 yuan. Therefore, it is unrealistic to expect unemployment insurance money to live.

11. About industrial injury insurance? Is occupational disease a work-related injury?

Article 14 of the Regulations on Work-related Injury Insurance clearly stipulates that employees suffering from "occupational diseases" shall be deemed as work-related injuries.

12. What are the work-related injuries?

1.? Being injured by an accident due to work during working hours and workplaces;

2.? In the workplace before and after working hours, engaged in preparatory or finishing work related to the work and was injured by an accident;

3. During working hours and in the workplace, he is injured by violence and other accidents due to the performance of his duties;

3.? Suffering from occupational diseases;

4.? When going out for work, he is injured or his whereabouts are unknown due to work reasons;

6. On the way to and from work, I was involved in a traffic accident or a city for which I was not primarily responsible. Injured by rail transit, passenger ferry and train accidents;

7. "48 hours of life and death" of work-related injury insurance in other cases that should be recognized as work-related injuries according to laws and administrative regulations.

Article 15 of the Regulations on Industrial Injury Insurance stipulates that "anyone who dies of sudden illness during working hours and at work or dies after being rescued within 48 hours" is regarded as an industrial injury.

13. Social security card is very important!

you need it for pension, unemployment, medical care, work-related injury and maternity. If you lose your social security card, the cardholder should report the loss in time: temporary reporting channels: social security card service agency outlets, 12333 telephone service hotline, online service platform and customer service platform of social security card service bank. Official loss reporting channel: go to the social security card service agency and social security card service bank outlets with valid identity documents to report the official loss of social security applications and bank account applications.

14. "Five insurances and one gold" or "four insurances and one gold".

in July this year, the Ministry of human resources and social security proposed that the registration, payment, management, handling and information system of maternity insurance and basic medical insurance should be unified in the future, and the familiar "five insurances and one gold" may become "four insurances and one gold".