Do temporary workers pay five insurances and one gold?

After work, the company will buy five insurances and one gold, because "five insurances and one gold" is the guarantee related to the vital interests of each of us. So if you are a temporary worker in the company, do you need to buy five insurances and one gold? Next, I have compiled some knowledge about this for you. Welcome to read!

According to the state regulations, employers should pay five insurances and one gold for temporary workers. There is no such thing as temporary workers now. As long as you are hired, you must pay your salary in full and on time and pay "five insurances and one gold".

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

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. Among them, old-age insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them. It should be noted here that "five insurances and one gold" are legal.

How much is five insurances and one gold a month?

Five insurances and one gold are about 1500 a month, including the contributions of individuals and units.

Provident fund payment:

Monthly contribution of housing provident fund = total average wages of employees in the previous year × contribution ratio (Note: individual contribution ratio and unit contribution ratio are multiplied by monthly average wages respectively, and their products are added. )

The monthly deposit of housing provident fund varies with the total wages.

Calculation formula of five insurances and one gold: payment base of five insurances and one gold × payment ratio of five insurances and one gold.

Social insurance base, referred to as social insurance base, refers to the social insurance payment base of employees in a social security year. It is determined according to the average monthly salary and salary tax amount of the previous year declared by employees from June 1 day to February 1 day.

The social insurance payment base is an important basis for calculating the social insurance premiums and social insurance benefits paid by employers and their employees. There are upper and lower limits, depending on the actual situation in each region.

The proportion of social security payment is roughly as follows (taking Beijing as an example):

Endowment insurance: 2 1% for the unit and 8% for the individual;

Medical insurance: the unit pays 10% and the individual pays 2%;

Unemployment insurance: the unit pays 2%, and the individual pays1%;

Work-related injury insurance: the work-related injury rate is determined according to the industry scope of the unit, between 0 and 2%, and individuals do not have to pay fees;

Maternity insurance: the unit pays the proportion, and the individual does not have to pay it.

According to the Regulations on the Management of Housing Provident Fund, the deposit base of the provident fund is the average monthly salary of employees in the previous year, so as to calculate the deposit amount of this year. As early as June 5438+ 10, 2005, the Ministry of Construction, the Ministry of Finance and the People's Bank of China issued "Guiding Opinions on Several Issues Concerning the Management of Housing Provident Fund", stipulating that the proportion of employees and units paying housing provident fund should not be less than 5%, and in principle it should not be higher than 12%. In principle, the monthly salary base of housing provident fund deposit shall not exceed two to three times the average monthly salary of employees in the previous year published by the statistical department of the city where the employees are located.

Can I apply for five insurances and one gold?

First, the endowment insurance has a personal account, and the ID number is the account number. After resignation, there are three ways to deal with it:

1, stop payment, resulting in the interruption of the payment period and the cessation of personal account accumulation, but as long as the time is not long, it will have little impact on the future;

2, paid in full by the individual, that is, together with the part paid by the enterprise, without interruption, but it is not cost-effective for the individual to bear a heavier burden;

3. If you are looking for a job in a foreign country, you can go through the insurance transfer procedures and go to a new employment area. Either way, if you find a new work unit, you can continue to pay according to the original account. You don't have to return it, you just can't return it.

Second, medical insurance also has personal accounts. After resigning, the treatment method is basically the same as that of endowment insurance, and the money in personal account can continue to be used locally.

3. Work-related injury insurance, unemployment insurance and maternity insurance do not have personal accounts, and the insurance will be automatically lifted after resignation. However, unemployment insurance can be collected as long as the payment is over one year and unemployment is caused by non-personal reasons.

Fourth, housing provident fund, there is a personal account, and the fees paid by enterprises and individuals all form the total amount of personal accounts. Just like a bank that deposits all individuals in lump sum, it just stops saving money after resigning, but the money in the account is still yours. As long as it meets the conditions for withdrawing the provident fund, it can be withdrawn at any time, and it can be renewed in the future, and it will never expire.