Five insurances and one fund is a very concerned issue. It is reported that there are some changes in this year's five insurances and one fund. What are the changes in the five insurances and one fund? Will the pension be increased? What are the subsidies for the unemployed? Let's take a look at the new policy!
Five insurances and one fund refer to the collective name of several kinds of indemnificatory treatment that employers give to workers, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing fund. According to the relevant laws: 'the employees shall pay the housing fund in accordance with the regulations. 'housing accumulation fund is a' should pay 'project, which should be legally necessary, and paying also shows that it is an obligation.
Change 1: the first step of national overall planning of endowment insurance
As we all know, the regionalization of China's endowment insurance is very serious, and the development of each region is not very balanced. There is a certain gap in terms of subsidies or other relevant systems. Therefore, in 2018, it is necessary to fully implement the national insurance plan. We will implement the central adjustment system for basic endowment insurance funds. That is to say, the regional gap will be smaller and smaller, which is more fair, so it is good news for many people.
Change 2: pension may increase
Retirement pension is the life security of retirees and their legitimate income. Although there will be children to take care of them, they also have their own lives. At this time, we can use the savings and retirement pension saved before. The pension is generally calculated according to the length of service, 100 yuan per year, and so on. The pension is equal. Civil servants are equal regardless of their positions. It's the same as a worker's pension.
In the enterprise annuity measures to be implemented in early February 2018, it is stipulated that enterprise annuity is a supplementary endowment insurance system independently established by the enterprise and its employees through collective negotiation on the basis of participating in the basic endowment insurance according to law, and is an important part of the second pillar of China's multi-level endowment insurance system. According to the regulations, the expenses needed for the enterprise annuity shall be jointly paid by the enterprise and the employees themselves. The enterprise's payment shall not exceed 8% of the total wages of its employees every year.
Change 3: housing fund loan provides convenience for house purchase
At present, the rapid rise of house prices has deterred many people who want to buy houses. In order to help people who are hard to buy houses, the Ministry of housing and urban rural development and other departments jointly printed and distributed the notice on safeguarding the rights and interests of housing provident fund employees' housing purchase loans, requiring real estate development enterprises not to restrict, block or refuse to use housing provident fund loans by increasing the housing sales price and reducing price discounts The buyer shall not be required to sign a written document voluntarily waiving the right of housing accumulation fund loan.
At the same time, for public institutions, they must pay the housing fund for their employees in accordance with the provisions of relevant laws. The regulations on the administration of the housing accumulation fund stipulates that: 'the new employees shall pay the housing accumulation fund from the second month of work'; 'the new employees of the unit shall pay the housing accumulation fund from the day when the salary of the transfer in unit is paid'. The contribution rate is 12% of the basic company.
Change 4: some state-owned assets will continue to enrich social security fund
Social security fund is not open to individual investors. Social security fund is a part of the endowment insurance premium paid by enterprises and institutions to professional institutions for management to maintain and increase value. One of the biggest changes in 2018 is that some wage enterprises will enrich the social security fund, that is to say, in the future, the social security fund subsidies will be more powerful and cover a wider range.
Change 5: payment of pension and medical insurance for the unemployed
In November 2017, we solicited opinions from the public on the regulations on unemployment insurance (Revised Draft for comments). Compared with the current regulations, the draft added the basic endowment insurance premium, vocational skills appraisal subsidy and entrepreneurship subsidy for the unemployed, and adjusted the medical subsidy to the basic medical insurance premium. If the draft is approved, it is undoubtedly the best news for laid-off workers.