Are you a fresh graduate after paying five insurances and one gold?

I am not a fresh graduate, because I signed a labor contract and a company paid five insurances and one gold, which belongs to employment. Freshmen mainly refer to college graduates, and fresh graduates refer to graduates who graduated in the year when they should graduate. In some enterprises (campus recruitment) and civil service examinations, it is limited to recruiting fresh graduates, while fresh graduates on the other hand mean lack of experience.

Freshmen who need to work before graduation need to find a job with graduate recommendation form, report card and tripartite agreement, and only after graduation can they get a registration card to settle in the employment place.

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" project, which is legally necessary, and paying it also means an obligation.

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.

Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees were merged in some pilot areas, and the inspection expenses were reimbursed together with general medical expenses. The pilot period is about one year. The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy maternity insurance benefits.

Endowment insurance:

1. Insurance coverage and payment

(1) Employees shall participate in the basic old-age insurance, and both employers and employees shall pay the basic old-age insurance premium.

(2) Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

(3) Measures for endowment insurance for civil servants and staff members managed by reference to the Civil Service Law shall be formulated by the State Council.

2. How many years does endowment insurance need to be paid?

(1) Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years when they reach the statutory retirement age.

(2) Individuals participating in the basic old-age insurance who have paid less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.