The company will give online employees five insurances and one gold. What is the use of these guarantees?

If you pay attention to the people around you, you will find a phenomenon:

Most people seem to have a good job and get a fixed salary from the company every month, but their risk tolerance is very fragile. Once they get sick or get fired, it will bring a great blow to themselves and the whole family.

So, what methods can help you build a financial moat and resist risks? Let's see what the author and Ling Yao say!

0 1 five insurances and one gold are the foundation. When getting paid in a daze every month, most people will look at the figures in their hands after getting the pay slip, and then it is easy to complain that there are too many "five insurances and one gold", ranging from 10000 to less than 7000 yuan in their hands.

In fact, five insurances and one gold are the guarantee given to you by the state. If you don't pay attention on weekdays, you will find yourself suffering a big loss when you need it.

So, what exactly are five insurances and one gold, and what are their uses? Let's see what the author and Ling Yao say!

Simply put, the five insurances refer to endowment insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance.

Among them, endowment insurance and medical insurance are the most important. Because generally speaking, these two parts account for the largest proportion of contributions, and these two benefits have the greatest relationship with us.

This payment is also stipulated: it is generally based on the average amount of all our income in the previous year, and the upper and lower limits are 60%-300% of the average monthly income level of the current society respectively.

Now, let's look at them one by one.

The first kind, endowment insurance, as its name implies, is the welfare that we begin to receive after retirement, that is, pension. The money is paid by us and our company.

Let's first look at the pension payment ratio:

Individuals are generally 8%, which is directly deducted from your salary and all goes into your pension account; The unit will give you 20%, and this money will first enter the unified account and be managed by the state; If you join the work after 1997, you can pay the pension before retirement 15 years, and you can receive the pension from your personal account and your overall account every month after retirement.

The second type, medical insurance, is used in many scenarios. Whether you go to the hospital with a headache or a fever, or go to the pharmacy to prescribe medicine, you can directly reimburse by swiping the medical insurance card.

In addition, if you are in poor health and need to be hospitalized, swiping a medical insurance card can also help you pay part of the expenses.

Medical insurance, like old-age insurance, is paid by oneself and enterprises. The specific ratio is: 2% for individuals+a small amount of critical illness insurance (usually a few yuan per month), and the unit pays 8%- 10% for you.

However, you should pay attention to the fact that you can't enjoy the medical insurance reimbursement treatment after stopping the medical insurance payment for 3 months. If you pay again, you need to pay continuously for 6 months to enjoy medical insurance reimbursement, so pay on time and don't stop.

Third, unemployment insurance, generally speaking, its use conditions are more demanding. For example, before you lose your job, the company must pay unemployment insurance for you 1 year; You must be passively unemployed, and voluntary resignation does not count; Unemployment registration must be carried out within 60 days after unemployment.

Similarly, unemployment insurance is also between you and the enterprise, with individuals paying 0.2- 1% and enterprises generally paying 2%. The fees received are formulated with reference to the local minimum living standard. According to the working years and the payment of unemployment insurance benefits, you can receive unemployment allowance for 3-24 months.

Fourth, maternity insurance involves examination fees, delivery fees, operation fees, hospitalization fees, medicine fees and so on. In addition, the medical expenses of diseases caused by childbirth can also be reimbursed through maternity insurance.

The last one, industrial injury insurance, is also the last guarantee that everyone wants to use.

This involves the compensation you can get when you are injured accidentally during your work, including on your way to work, or when you get an occupational disease, temporarily or permanently lose your labor force, or even die unfortunately.

This part of the insurance will be paid by your company, which varies according to the degree of danger of the industry, and the proportion is generally 0.5%-2%. In addition, according to the degree of work-related injuries, the proportion of reimbursement and compensation will be different.

02. Common social security problems: social security interruption, job hopping and freelancing. Now, we have a basic understanding of social security.

So, what should we do in the face of social security interruption, job change and freelancing? Let's take a look at the author's suggestions for Ling Yao!

Continuous payment of social security is not only related to our welfare, but also to the right to buy a car, buy a house and settle down in many cities. For example, a friend of the author has settled in Shanghai for nearly three years because of the cut-off of social security.

In addition, long-term security such as pension insurance and medical insurance must be paid for a sufficient number of years before they can enjoy the corresponding security after retirement. Once the payment period is not enough, they will suffer a lot.

So, what if the payment has been cut off?

First of all, the years of endowment insurance and medical insurance can be accumulated. If it is interrupted, just pay it for enough years. If you reach retirement age and find that the minimum payment period is not enough, you can apply for an extension in accordance with local regulations.

Secondly, once the medical insurance is interrupted, the treatment will stop from the next month. You have to pay the fee again and then reimburse it manually during the recovery period.

However, in some places, if the payment is stopped for more than 2 months, there will be a waiting period of 6 months for reimbursement, so it is best not to stop paying.

Then, let's take a look at the impact of job changes on paying social security.

During the shutdown, you need to go to the local social security bureau to pay the minimum fee, or online intermediary assistance. In addition, if it involves city change, please remember to transfer the social security and provident fund accounts to the new city.

Finally, let's look at how freelancers should pay social security.

If you are a freelancer, you can go to the local employment service center or talent service center and choose the monthly payment freely.

Of course, if a foreign account wants to pay locally, it can only be handled by an insurance company. When you pay a service fee of several hundred yuan, you can get the payment service of five insurances and one gold.

03. Housing accumulation fund, can we only wait until we buy a house? The "one gold" that often appears together with the "five insurances" is the provident fund we have always mentioned.

Provident fund, namely housing provident fund, is a welfare account set up by the government for everyone to buy a house. It is different from social security. The part paid by enterprises and individuals belongs to your personal provident fund account, which is a social welfare with high gold content.

In addition, different regions have different payment bases for provident funds. According to the payment base published by the regional provident fund management center every year, the national proportion is between 5- 12%.

There is a rule to pay the provident fund, that is, how much you pay, the company will pay you. So for many people with housing and decoration needs, this figure is higher, but better.

After getting the provident fund, we can generally use it for three purposes:

The first is to buy a house.

When buying a house, give priority to provident fund loans or a combination of provident fund and commercial loans, and you can get a lower loan interest rate.

According to the central bank's minimum benchmark loan interest rate, the loan interest rate of more than five years, the provident fund is nearly 1.7% lower than that of commercial loans.

In other words, the same loan is 500,000 yuan, and the principal and interest will remain unchanged for 30 years. According to the current benchmark interest rate, provident fund loans can save nearly 200,000 yuan compared with commercial loans.

The second is renting a house.

For workers without housing, as long as they pay the provident fund for three months in a row, they can withdraw the housing provident fund without renting invoices and tax stamps.

However, since the balance of your provident fund will affect the loan amount when you buy a house, it is suggested that people who have no need to buy a house in the short term, or those who have more balance in their hands, use the provident fund to pay the rent.

The third type is rural self-built houses, renovation or overhaul.

In addition to these three channels that have the greatest relationship with the house, there are two non-housing situations, and you can also withdraw the provident fund at one time.

The first is that immigrants can apply for a one-time withdrawal of the balance of the provident fund account.

Second, when you cancel the labor contract with the company and don't plan to work in other cities, or continue to engage in other jobs, you can also withdraw the provident fund at one time.

Let's call it a day.

In life, Ling Yao found that many people (including myself) will focus on what kind of products can make money, whether it is funds or stocks with high return on investment, but forget to take care of the assets they already have.

In fact, whether it's five insurances and one gold, it's all benefits issued by the state, and it's the first part of your hard-earned money.

In addition to caring about how much money you add to your bank card every month, go to the local social security bureau and the provident fund management center to find out about your two money. Revitalizing it is also a big balance.