What does five risks and one gold mean? What are the functions of five risks and one gold
4hw.org: with the improvement of the social workers' security system, five insurances and one fund refer to the security treatment jointly paid by the employer and the worker. The labor law stipulates that the employer and the worker must pay the social welfare security. Many people don't have a comprehensive understanding of five insurances and one gold. Let's have a look at it together with small editors from all over the world!
1. What does five insurances and one fund include?
"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance;
'one fund' refers to housing fund.
Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while work-related injury insurance and maternity insurance are totally borne by enterprises. Individuals do not have to pay. It should be noted here that the "five insurances" are statutory, while the "one gold" is not.
How to pay five insurances and one gold?
At present, the proportion of endowment insurance payment in Beijing is 20% (17% of which is transferred into the overall planning fund, 3% into the individual account) and 8% (all of which are transferred into the individual account);
Payment proportion of medical insurance: unit 10%, individual 2% + 3 yuan;
Unemployment insurance payment proportion: 1.5% for the unit and 0.5% for the individual;
The industrial injury insurance determines its industrial injury rate according to the industrial scope divided by the unit;
Payment proportion of maternity insurance: 0.8% for the unit, and the individual does not pay. There is no such account in non work location, so the maximum amount of non work location account is' four insurances and one fund '.
Payment proportion of provident fund: select the payment proportion of housing provident fund according to the actual situation of the enterprise. However, in principle, the maximum payment shall not exceed 10% of the average wage of employees in Beijing.
(overall planning fund refers to the need for national overall planning in the process of transition of endowment insurance system from national unit system to national social system, so as to solve the problems of unbalanced economic development and aging population.
(1) to establish social pooling fund mainly by enterprise payment; (2) to establish individual account mainly by employee and enterprise payment; (3) the government shall bear the management cost of endowment insurance fund. This half fund system, which combines social pooling and individual account, is conducive to coping with the crisis of aging population in China, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transformation from the enterprise pension system to the individual pension system. )
Each region has different regulations on the amount of payment of four insurances and one fund. The base number is the total wage. Some enterprises have basic wages and subsidies when they pay them, but some enterprises only pay basic wages when they pay them, which is against the law. The specific proportion should be consulted with the local labor department. As for the withdrawal of endowment insurance, unemployment insurance and medical insurance, it can only be obtained when it is allowed by law, and it is issued by the insurance registration department. For example, 'endowment insurance can only be obtained when it reaches the legal age, and the receiving of unemployment insurance benefits should also meet the conditions. For example, if you go to the street office where your account is located to handle the unemployment certificate, and at the same time, you have a job application card, that is It means that you must be willing to apply for a job after you lose your job, so that you can get it.
Functions of five insurances and one fund:
1. The more individuals pay, the more units invest for you. Five insurance and one gold payment is the same base unit and individual bear different proportion, unit payment is about 2 times of individual payment.
2. The payment of social security accumulation fund is tax-free. Not only the individual income tax is not deducted when the payment is made, but also the interest tax is not deducted when the treatment is received. If it is paid to me as salary, the individual income tax needs to be withheld, and there will be interest tax when it is deposited in the bank.
3. The payment of endowment insurance shall meet the minimum age, and the pension can be paid monthly after reaching the legal retirement age. Pension can be received until death, and with the improvement of social living standards, it will only increase but not decrease. It will adjust and increase capital every year, which can ensure the stability and reliability of the elderly.
4. Medical insurance reimbursement can be obtained by paying medical insurance; if the accumulated on-the-job payment meets the minimum number of years, after retirement, you can enjoy higher medical insurance treatment than the on-the-job reimbursement level without continuing to pay basic medical expenses.
5. Payment of maternity insurance can cover the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the birth insurance premium is entirely borne by the unit.
6. When paying unemployment insurance, you can get unemployment insurance benefits and other subsidies. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.
7. Pay industrial injury insurance can be compensated in case of industrial accident or occupational disease, not afraid of 10000 yuan, just in case, especially in case of some major accidents, don't worry about the delay of payment by small companies. Moreover, the work-related injury insurance premium is completely borne by the unit.
8. Paying the housing accumulation fund is equivalent to the unit depositing a tax-free income in the same proportion with you, which can be withdrawn for housing related purposes. If it is not used up in the job, it can also be withdrawn once after retirement; in addition, the loan interest rate of the housing accumulation fund is lower than that of the commercial loan.
9. After the implementation of the endowment insurance payment system combining the unified account, the actual payment period of social insurance has become the most persuasive proof of the length of service of the enterprise. More and more social security payment certificates are needed, such as proving social working age to confirm the number of days of paid annual leave, for example, when real estate regulation and control, loans need to be paid in local social security for more than one year, and so on.
10. Don't worry too much about inflation or currency devaluation and so on, because the pension plan and payment consists of two parts, and the individual account pension is completely formed by individual payment, which will have inflation risk like the bank deposit; but the basic pension part is linked with the local social average wage and the individual index average wage, which is anti inflation; and After retirement, it will increase capital every year along with the local economic level. The more you pay, the longer you pay, the higher the level of retirement benefits.