Five guarantees and one gold refers to "endowment insurance, medical insurance, unemployment insurance, maternity insurance, industrial injury insurance and housing accumulation fund"
medical insurance
The medical insurance fund is paid by both the employer and the employee, with the employer paying 9% of the total salary base of the employee, and the employee paying 2% of the average monthly salary of the previous year, which is withheld and remitted by the unit.
The basic medical insurance fund is divided into two parts: individual account and overall fund. In addition to 2% of individual contributions, 30% of the basic medical insurance premium paid by the employer is included in the personal account and stored in the citizen card. Its work is included in the whole fund.
endowment insurance
According to the regulations, the old-age insurance money previously paid will not become invalid. If there is an existing unit, the new unit will pay the old-age insurance premium; If there is no unit, the individual will go directly to the employee flow window of the company to go through the payment procedures.
unemployment insurance
Unemployment insurance premiums shall be paid jointly by units and individuals. The unit takes the total wages of all employees as the calculation basis, and pays the unemployment insurance premium at 2.5% of the total wages of the unit; Individual employees are calculated based on their salary income, and employees pay unemployment insurance premiums according to 1% of their salary. Individual contributions are withheld by the employer on a monthly basis. The relevant data on the monthly payment of unemployment insurance premiums by units and individuals shall be provided to the local tax authorities at the same level after being approved by the unemployment insurance agency, and shall be summarized by the local tax authorities at all levels.
Payment units and individuals shall pay unemployment insurance premiums in full monthly in monetary form.
Before the unemployment insurance premium is paid by individuals, the length of service calculated by the state shall be regarded as the payment period. The payment period of the unemployed after re-employment can be combined with the payment period before unemployment to calculate the cumulative payment period.
maternity insurance
Maternity insurance refers to the characteristics of fertility behavior. Through national legislation, the social policy of providing material assistance by the state or society when the labor force is temporarily interrupted and the normal source of income is lost due to childbirth.
Maternity insurance basically consists of three parts: first, maternity leave. Refers to paid leave enjoyed by female employees before and after delivery. The second is maternity allowance. Refers to employees and women who leave their jobs after giving birth and no longer engage in paid work, resulting in income interruption, and timely give regular cash subsidies to safeguard and protect the normal life of women and babies. The third is medical services. Refers to the medical care provided by hospitals, medical practitioners or midwives for workers and women during pregnancy, childbirth and postpartum, as well as necessary hospitalization.
Maternity insurance is paid by the employer at 0.8% of the total wages of all employees in that year; Individual employees do not pay fees.
The four guarantees you mentioned: old-age insurance, medical insurance, unemployment insurance and housing accumulation fund.
Question 2: What are the four risks? Four insurances refer to four social insurances: endowment insurance, medical insurance, industrial injury insurance and unemployment insurance.
Ministry of Human Resources and Social Security and the Ministry of Finance jointly issued a notice, once again clarifying that maternity insurance and basic medical insurance will be merged. "Five insurances and one gold" changed to "four insurances and one gold".
A. endowment insurance.
This kind of insurance is set up to protect the basic needs of workers who lose their ability to work and quit their jobs because of old age. The main contents are: retirement conditions; Retirement and post-retirement treatment; Funeral expenses, subsidies, pension expenses after death, and relief expenses for supporting immediate family members.
B. unemployment insurance.
This insurance is set up to protect the basic needs of workers when they are unemployed and looking for a job. The main contents include unemployment benefits, living allowances during unemployment and medical expenses. In western countries, the period for unemployed people to enjoy unemployment insurance is generally 26 weeks to one year. Conditions of enjoyment: Must be involuntary unemployment.
C. medical insurance.
This insurance is established to protect the basic needs of workers who temporarily or permanently lose their ability to work during illness or non-work-related injuries. The main contents include: wages, medical expenses, hospitalization expenses, medical expenses for supporting immediate family members, etc.
D. industrial injury insurance.
Or industrial injury and disability insurance. This insurance is established to protect the basic needs of workers in case of physical injury, disability due to illness or injury, and temporary or permanent incapacity to work. Generally, it can be divided into two types: work-related disability and occupational disease. The contents include retirement on business, resignation on business, work-related disability support, work-related disability subsidy, work care fees, etc. According to the Labor Insurance Regulations, the medical expenses, medicine expenses, hospitalization expenses and medical expenses of Chinese employees are all borne by the enterprise administration. Pay as usual during medical treatment. If it is determined to be disabled, it will be paid to the industrial injury disability pension or industrial injury disability subsidy under the labor insurance fund on a monthly basis according to the disability level.
E. maternity insurance.
This insurance is established to protect the basic needs of female workers who temporarily lose their ability to work during childbirth. The contents include maternity leave, wages during maternity leave, maternity medical expenses, etc.
Other related concepts
In terms of five risks, according to the wages of employees, the proportion of units and individuals is generally: pension insurance units bear 20%, and individuals bear 8%; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit 2%, individual1%; 1% maternity insurance shall be borne by the unit; 0.5%- 1% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance.
"Housing accumulation fund: specific units and individuals each bear 50% of the proportion, calculated according to the average annual salary of individuals. The state stipulates that the housing accumulation fund shall not be less than 10% of the salary, and the units with good benefits may be higher, and the employees and units shall bear 50% respectively. It is very affordable for employees, that is, one gets two free, which is convenient for their future housing!
Question 3: What are the four major risks of automobiles? First, third party liability insurance.
Second, the whole car was stolen.
Third, vehicle liability insurance
Four, no-fault liability insurance
Verb (abbreviation of verb) Vehicle-borne cargo fall liability insurance
Six, separate glass breakage insurance
Seven, vehicle loss insurance.
Eight, natural loss insurance
Nine, the new equipment loss insurance
Ten, excluding deductible special insurance.
I hope it helps you.
Question 4: What documents do employees have after the company has insured them? Four insurances 1. After the company insures employees, employees should have medical blueprints, medical insurance passbooks and social security cards. If they also apply for housing provident fund, they should also be given bank cards and passbooks with bank accounts. Everything can be verified by querying the relevant information in relevant institutions or banks.
2. The social security card is used for medical treatment and real-time settlement.
3. The difference between non-agricultural registered permanent residence and agricultural registered permanent residence lies in the way you join the insurance. In fact, this is a problem involved in agricultural registered permanent residence, and it depends on the employer nailing you. There is no difference between the two. If I didn't give it to you, then you joined the new rural cooperative medical system, so there is a difference between the two.
Question 5: Should employees employed by public institutions pay four insurances for employees from the date of work? If there is a public institution, it will be easy to solve. As long as you can prove that you have worked in this unit for four years, then take the certificate to the labor bureau to sue! Generally speaking, you can not only get the corresponding compensation, but also punish this institution! Your job is the problem!
Question 6: What are four insurances and one gold? How to calculate? Endowment insurance:
Generally, you have to pay 15 years, and you can enjoy the pension for life when you retire, so people who want to get the pension must start paying before you retire. If you pay less than 15 of the pension insurance at retirement age, the state will return all the 8% pension saved in your personal account to you when you retire. Where is the 2 1% paid by the company? The state has allocated 2 1% of the money paid by the unit for you to the national pension fund. According to national regulations, when refunding money, only the money withheld by the individual will be refunded, and all the money paid by the unit for him will contribute to the country. How to calculate the retirement pension? The algorithm of pension is very complicated, and the country will change the payment base once a year. If you are 30 years old now, your current payment base is 3,000 yuan. If the retirement age is 55, you must start paying the old-age insurance before you are 40. If you start paying at the age of 30 and pay for 25 years at the age of 55, you must first enjoy a pension. Secondly, if the payment base of 3,000 Yuan You in 25 years becomes 6,000 yuan, then at the age of 55, you can get the basic pension of 6,000× 20% =1.200 yuan first, which is given to you by the state. Besides, you have accumulated a lot of money in your personal account for 25 years. Only the average payment base, (3000+6000). Then you should have 4500×8% (the proportion of individual contributions to old-age insurance) × 25× 12 months = 108000 yuan in your personal account over the past 25 years. In addition to the previous 1200 yuan, you can get108000 every month. In this way, from the age of 55, you can get at least 1200+900=2 100 yuan pension every month. Of course, the national base is still rising every year, so apart from your own annual 900 yuan, you will get more money every month after retirement than 1200 yuan, and your pension will certainly increase. Therefore, the more pension insurance you pay, the better. The more you pay, the more you will enjoy after retirement, and the more money the country will get after adjusting the base every year. It is possible to pay 1000 now and get 1500 ten years later. However, no matter where you pay the social security fee, when you retire, you can only go back to your registered permanent residence and enjoy the local retirement benefits. Therefore, people who pay social security in places with high base but enjoy pensions in places with low base will suffer great losses. Why do you say that? If you worked in Nanjing when you were young, you paid social security for 20 years and then retired, but if your hukou is in Heilongjiang, you have to go back to Heilongjiang to enjoy the pension. If you have paid in Nanjing for 20 years, with an average base of 3,000, and the base of payment in Heilongjiang is only 1000 when you retire, then you can only enjoy the treatment of 1000 when you retire! This is a loss! In short, if you pay social security in a rich place and retire to a poor place to enjoy social security, you will pay a lot but enjoy very little in your life! Paying 3000 yuan may only enjoy 1000 yuan! This is a terrible thing, but there is nothing we can do. This is a national policy. So please pay attention to social security for all places with low base but high base, such as Beijing or Shanghai. Either you pay social security in the west, or you move your account to Beijing or Shanghai before you retire, otherwise you will be doing a huge loss-making business in your life. Maybe you will say that if you pay in a place with a low base, you will return to a place with a high base to enjoy high benefits when you retire. No! Do you think the labor and social security departments just let you enjoy it? In this case, * * * will find a reason to directly refuse your transfer! You will be smarter than you at that time: Heilongjiang can't enjoy it, and Nanjing can't enjoy it! But some places have some loose regulations on this situation. For example, Nanjing allows you to transfer back to Nanjing from a low base five years before retirement, and then continue to pay in Nanjing for five years with a high base, and then allow you to return to Nanjing to enjoy a pension. This policy is estimated to vary from place to place. It's best to go to your local labor bureau to find out about this problem now, so as to avoid accidents when you retire!
medical insurance
The unit pays you 9% per month, and your personal monthly payment is about 2% plus 10 yuan's serious illness coordination. Co-ordination of serious illness is only hospitalization, and the state will put your own 2% into your medical insurance account every month in that 1 1%. If social security is paid according to the minimum base 1369 yuan every month, then ...
Question 7: How much social insurance do individuals have to pay now, and how much do the other four insurance companies help us pay? For employees, the current social insurance usually refers to five insurances and one gold, namely, endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance; One gold is: housing provident fund. "Housing provident fund; Specific units and individuals each bear 50% of the proportion, calculated according to the average annual salary of individuals. The state stipulates that the housing accumulation fund shall not be less than 10% of the salary, and the units with good benefits may be higher, and the employees and units shall bear 50% respectively. Provident fund: a credit loan that can be used when individuals decorate or buy a house. If an individual has a house and the name of the title certificate is also an individual, he can apply for monthly withdrawal of personal provident fund. In terms of five risks, according to the wages of employees, the proportion of units and individuals is generally: pension insurance units bear 20%, and individuals bear 8%; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit 2%, individual1%; 1% maternity insurance shall be borne by the unit; 0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance. Old-age insurance: after paying a certain number of years, you can receive a certain amount of pension on a monthly basis when you retire (60 men, 50 women and 55 female cadres, and you can retire early for special jobs), which may lead to the death of the insured. Unemployment insurance: unit 2%, individual 1% migrant workers do not pay personal burden. According to social security regulations, unemployed people who have paid for more than one year can receive unemployment benefits, and generally can receive unemployment benefits for at least three months. During the period of receiving assistance, if there is any change in the individual pension insurance account, unemployment insurance will be stopped immediately. Medical insurance: the general proportion is 65,438+00% of the unit, and additional medical 5 yuan/month is added; 2% of outpatient and hospitalization expenses and large medical expenses of individuals can be reimbursed if they are paid within a certain period of time according to the regulations of the medical insurance bureau. At present, in most areas, it is required to pay for 25 years before you can enjoy retirement health insurance. Work injury insurance: reimbursement of accidental injuries during work or commuting. Maternity insurance: the proportion is 0.8% or 3%, all of which shall be borne by the unit. Only employees who have paid for more than one year can enjoy it. Men can be reimbursed for birth control surgery or vasectomy, while women can be reimbursed for pregnancy check-up, delivery surgery and breastfeeding subsidies.
Question 8: What are the four risks? I leave my job in the company without pay and pay the old-age insurance to the company every year, but the company returns four insurances. Why? Four insurances and one gold are: four insurances are: endowment insurance, industrial injury insurance, medical insurance and unemployment insurance; One gold is: housing provident fund.
Please accept it, thank you!
Question 9: The company said that I didn't pay medical insurance, but only helped me pay four insurances, and the score of 30 was normal.
Because you are still "internship" in March and April, the two sides have not yet formed a formal labor relationship.
What your colleague said is not normal. It should be a general "probation". In the first few months of entering the company, the company has to pay five insurances, because once it enters the probation period, the two parties are already in a labor contract relationship.
Personally, I think it is very formal for this company to take care of these aspects.
Question 10: Is it illegal for the company to insure only four insurances without any money? It is also illegal for companies not to pay housing provident fund to employees.
According to Article 37 of the Regulations on the Management of Housing Provident Fund promulgated by the state, if the unit fails to register the deposit of housing provident fund or handle the procedures for the establishment of housing provident fund accounts for employees, the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed. Thirty-eighth in violation of the provisions of this Ordinance, the unit fails to pay or underpays the housing provident fund, and the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.
Therefore, the answer upstairs is wrong, and so is social insurance, which must be paid. It is mandatory, not optional.