Five social insurances and one housing fund refer to the five types of social insurance and housing provident fund that are enforced by the state and jointly paid by enterprises and individuals. The five insurances and one housing fund include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance and housing provident fund, providing all-round protection for workers. Here I will share with you some specific references to the five insurances and one housing fund for your reference and Xi.
What are the specific five insurances and one housing fund?
1. Endowment insurance.
Endowment insurance refers to the insurance premiums paid by in-service employees at a certain rate every month to meet the needs of a certain amount of living security after retirement. According to the current regulations, the contribution ratio of endowment insurance is jointly paid by enterprises and employees, of which the proportion of enterprise part of the payment is 20% -22%, and the proportion of employee part of the payment is 8%. At the same time, there is also the pension insurance for urban and rural residents, the main purpose of which is to provide old-age security for rural and urban residents.
2. Medical insurance.
Medical insurance refers to the monthly insurance premium paid by employees at a certain rate to meet the corresponding medical protection when they seek medical treatment. According to the regulations, the proportion of medical insurance is paid jointly by enterprises and employees, of which the proportion of enterprise part of the payment is 6% -10%, and the proportion of employee part of the payment is 2% -10%, and the reimbursable proportion of medical insurance is determined by the provincial medical insurance department, and the proportion of different regions is not the same.
3. Work-related injury insurance.
Work-related injury insurance means that in the event of an accident or occupational disease while working in an enterprise, the employee can receive a certain percentage of the funds or receive corresponding medical treatment**. It plays a vital role in protecting the legitimate rights and interests of workers and promoting the safety of industrial production. Enterprises need to pay work-related injury insurance premiums, and the proportion of expenses is paid by enterprises, and employees participate for free, and the payment ratio is generally 0between 1% and 1%.
4. Unemployment insurance.
Unemployment insurance means that employees who are employees of an employer can receive unemployment security or other funds after losing their jobs due to reasons or other factors. Its main purpose is to provide financial support to unemployed employees and minimize adverse effects. Enterprises need to pay unemployment insurance premiums, and the proportion of expenses is paid jointly by enterprises and employees, of which the proportion of enterprises is 10% -1.5%, and the proportion of employees is generally 05% -1.0%。
5. Maternity insurance.
Maternity insurance refers to the protection system provided by enterprises for employees when they are pregnant, giving birth or receiving maternity allowances. Its main purpose is to ensure the maternity life of employees and eliminate the financial pressure on the family. The maternity insurance is paid by the enterprise, and the proportion of the cost is paid by the enterprise, and the employee does not need to pay the maternity insurance premium.
6. Housing Provident Fund.
Housing provident fund refers to the compulsory savings system used by enterprises to fund housing for employees. It can help employees solve the problem of buying a house. Enterprises and employees pay the housing provident fund every month according to the prescribed proportion, and the contribution ratio is generally between 5% and 12%.
1. Five social insurance and one housing fund are mandatory by the state, based on the average monthly salary of the individual in the previous year, which may be slightly different from place to place, and the five social insurance and one housing fund are about 1,500 yuan a month, including the payment of individuals and units.
2. The five insurances include: endowment insurance: 8% for individuals and 22% for unitsMedical insurance: 2% for individuals and 10% for employersUnemployment insurance: 1% for individuals and 2% for employersWork-related injury insurance and maternity insurance: only paid by the employer, not by the individual.
3. One housing fund includes: Housing provident fund: Individuals and units pay in the same proportion, the proportion is 5-12%, which is determined by the employer.
When we leave the job, we can pay the five insurances and one housing fund by ourselves, but we pay it in a flexible employment status, and only pay medical insurance and pension insurance, so we can't pay all the five insurances and one housing fund after leaving the job.
After leaving the job, you will be able to pay less insurance and enjoy fewer benefits, especially the housing provident fund can only be paid by working people. When we are in the house, if there is a provident fund, you can pay a lot less interest, so the housing provident fund is also more important, it is recommended that you should choose a regular unit to pay five social insurance and one housing fund for us.
And in many cities, social security must be a local hukou to be able to pay, if there is no local hukou is not a way to pay, and some people will choose to find a third-party agency to pay, because there is no real labor relationship, so, to a certain extent, it is an act of insurance fraud, which will require us to bear the corresponding criminal responsibility.
Five insurances and one housing fund can be paid, however, there are some situations that can not be paid, so whether everyone's five insurances and one housing fund can be paid, it is recommended that you consult the local social security agency, generally speaking, if your five insurances and one housing fund meet the following conditions, you can not make up.
1. Participation in insurance is in the name of an individual, that is, we often say flexible employment social security and resident social security, if this situation is missed, it cannot be paid.
2. If the social security is missed due to the reasons of the unit, the supplementary payment can be made, but only the five insurances can be paid, and the provident fund cannot be paid.
3. If the unit does not submit the employee's information to the social security department for declaration, that is, if it does not open an account, it can only make up the endowment insurance.
The minimum payment standard for five insurances and one housing fund.
1.Pension: The unit pays 20% of the base amount (2000 20% = 400 yuan), and the individual withholds 8% of the base amount (20000 yuan) 8% = 160 yuan);
2.Unemployment: Units by base 15% paid (2000 1.)5% = 30 yuan), individual according to the base number of 05% withholding (2000 0.)5% = 10 yuan), migrant workers do not pay;
3.Work-related injury: According to the nature of the unit, the withholding ratio is different, for example, for wholly foreign-owned enterprises, according to 1% of the base number (20,000 1% = 20 yuan), the individual does not pay;
4.Maternity: Employees with non-local hukou do not participate in this insurance, and employees with Beijing hukou will be based on the base number of 08% paid (2000 0.).8% = 16 yuan), individuals do not pay;
5.Medical care: 9% (basic medical care) 1% (large-scale co-ordination) (2000 10% = 200) and 2% (basic medical care) (20000) 2% 3 = 43 yuan);
6.Housing Provident Fund: Units and individuals are paid at 8% of the base amount (2000 8% = 160 yuan, a total of 320 yuan), if the unit conditions are good, you can apply to increase to 10%.