How to deal with five insurances and one gold after leaving the company? In today's society, many people will inevitably leave their jobs and jump ship. However, in the process of leaving your job, you should pay attention to your five insurances and one gold, which we bought with money. So, what should we do after leaving?

What about five insurances and one gold 1 resignation?

Although it must be handed in, it has little to do with us. If you graduated from a prestigious school and belong to the cadre status, the file can be stored in the talent market. It doesn't matter if we don't stop. If we lose our jobs, we won't get unemployment benefits. Unless we are crazy, we will change our cadre status to worker status and receive a pension according to the treatment of workers after retirement. Only the unemployed registered in the street can apply for unemployment insurance. Note: Workers' identity files are placed in streets, and cadres' identity files are placed in talents or units.

Handle the transfer formalities: you don't need to handle it, just go to the new unit to continue.

Medical insurance is more important.

Everyone should pay attention to this! According to the national regulations, if the interruption exceeds three months, it will be invalid, which means that you must pay for the doctor yourself. It doesn't matter if you have a minor illness, but if you have a serious illness, you will be miserable. If the interruption exceeds three months, you need to buy from a new unit.

After medical insurance, everyone will have a passbook, which will be used for life. No matter whether the company changes or not, the company will deposit a certain percentage of money into the passbook every month, and individuals can withdraw it at any time, no matter what purpose it is used for.

After paying medical insurance, there will be a blueprint, that is, medical books. According to medical regulations, outpatient expenses of more than 2,000 yuan can only be reimbursed. For example, if you spend 2,500 yuan, you will only be reimbursed 50%-70% of 500 yuan (different hospitals have different reimbursement rates), and if you are hospitalized, you will be reimbursed more. Tell the hospital to write a medical insurance bill when you see a doctor, and bring it with you when you are hospitalized.

Public accumulation fund

The unit deposits the money given to you and your own money into your provident fund account. For example, if the salary is 3,000 yuan, the company gives you 300 yuan, and you deduct 300 yuan yourself, then you should have 600 yuan in your monthly provident fund account. When you need to buy or repair a house, you can take it out from the provident fund center, but only once a year. You can bring it yourself or entrust your company to bring it.

Transfer formalities: first open an account in the new unit, give the account to the old unit, and let the old unit transfer the money from the original account to the new account.

Note: The Provident Fund Center will issue a statement to each employee every June, showing the current funds in your account.

April is the time to adjust the pension, unemployment and medical insurance bases in the second half of the year, and June is the time to adjust the provident fund in the second half.

Let's talk about some irregularities in the market now.

1, many units do not pay insurance and provident fund according to their own wages, for example, according to the average salary in Beijing, and individuals will suffer. So ask when you are looking for a job.

2. At present, many talent markets stipulate that pension, unemployment and serious illness should be tied together, either none or both, and must be filed in the talent market.

If an individual pays five insurances and one gold in the talent market, he has to pay both the company's money and the individual's money, which is quite a lot. It is said that according to the minimum standard, you have to pay 1000 yuan per month, and there is not much money in your personal account.

Suggestion: If you are young, healthy and just temporarily unemployed, you don't have to pay it yourself and go to work later.

3, the rich can not go to the old-age insurance, the poor had better go, hoping to have some money to support the elderly. Some people say they do, but the state still guarantees pensions and will increase them according to the economic situation.

4. Some units refuse to pay five insurances and one gold on the grounds that the files are not in their own units, which is against the regulations, because the files are not linked with insurance.

5. Foreign hukou also enjoys all insurance and provident fund, regardless of hukou. If you go to other cities in the future, you can change trains.

How to deal with five insurances and one gold after leaving the company? 2 General regular units will handle five insurances and one gold for employees. Generally, the unit bears part of it and the individual pays part. Most people will always pay five insurances and one gold as required to guarantee their future, but some people may want to apply for five insurances and one gold for various reasons. So, can they take out five insurances and one gold?

Can I apply for five insurances and one gold?

Medical insurance is directly charged to your medical card. Endowment insurance can't be taken out now, but it can be transferred. You can withdraw the housing provident fund when you leave your job. Five insurances and one gold refer to several kinds of security benefits given to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

What is housing accumulation fund?

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. The definition of housing provident fund includes the following aspects:

(1) On-the-job employees shall open housing provident fund accounts by their units. Freelancers (that is, individual workers who have not established a labor contract relationship with any unit) can go through the procedures for opening individual details of housing provident fund, and declare according to the procedures for opening, changing, canceling and annual adjustment of housing provident fund details.

(2) The housing accumulation fund consists of two parts, one part is paid by the employee's unit and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of housing provident fund together with the unit deposit.

(3) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must pay it continuously according to the regulations during their employment, and it shall not be suspended or interrupted except for the retirement of employees or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

(4) Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics of accumulation and specificity.

Can I apply for five insurances and one gold? General endowment insurance cannot be taken out, but can only be transferred. If you want to withdraw the housing provident fund, this is ok, but in fact, the benefits of housing provident fund are still many. If you want to buy or rent a house, you'd better not take it out. You can measure whether to take it out according to your actual situation.

How to deal with five insurances and one gold after leaving the company? What are five insurances and one gold?

Five insurances and one gold refer to several kinds of security benefits given to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

On-the-job employees should pay housing provident fund according to regulations. "Housing provident fund is a" payable "project, which is legally necessary, and payment also shows that it is an obligation.

Some people say: "If the monthly salary is tens of thousands, then five insurances and one gold are all floating clouds." Is that really the case? If this is not the case, then what is the use of the five insurances and one gold that we deduct every month, which accounts for one fifth or more of our salary?

1. Five insurances and one gold. The more individuals deduct each month, the more the company will pay you. Generally speaking, the five insurances and one gold invested by the unit for an employee every month are several times the five insurances and one gold deducted by the employee in that month.

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 my salary, you need to withhold personal income tax. If you deposit it in the bank, there will be interest tax.

3. Pay old-age insurance to reach the minimum age, and after reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death, and it will only increase with the improvement of social living standards, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age.

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated on-the-job contributions reach the minimum number of years, you can enjoy higher medical insurance benefits than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.

5. Paying maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the maternity insurance premium is entirely borne by the unit.

6, pay unemployment insurance can get unemployment insurance benefits and other subsidies when unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.

7. Pay industrial injury insurance and get compensation in case of industrial accident or occupational disease. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit.

8. Paying the housing accumulation fund is equivalent to the unit depositing a tax-free income in the same proportion as you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the interest rate of housing provident fund loans is lower than that of commercial loans.

9. After the implementation of the unified account pension insurance payment system, the actual payment period of social insurance has become the most convincing proof of the length of service of enterprises. There are more and more times to prove social security payment, such as proving social service to confirm the number of days of paid annual leave, for example, loans need to be paid in local social security for more than one year when real estate is regulated.

10, don't worry too much about inflation or currency depreciation, because the pension benefits are composed of two parts, and the personal account pension is completely formed by individual contributions. This branch has the same inflation risk as bank deposits; However, the basic pension is linked to the local social average wage and the individual indexed average wage, which is itself anti-inflation; And after retirement, it will increase capital every year with the local economic level. The more you pay, the longer you pay, and the higher the level of pension benefits after retirement.