How to pay five insurances and one gold for employees?

Enterprises and institutions must pay five insurances and one gold for their employees. Five insurances and one gold include endowment insurance, medical insurance, maternity insurance, unemployment insurance, industrial injury insurance and housing accumulation fund. China's labor law stipulates that employers should buy for workers. Because national laws stipulate that every employee must enjoy the five insurances and one gold benefits of enterprises and institutions, otherwise such enterprises are illegal. The payment process of five insurances and one gold for the unit is as follows:

1, first social security registration;

2. You need to fill in the application form for online social insurance application;

3. To declare the change of business operation procedures for the insured;

4. After the insured enterprise completes the above-mentioned online declaration operation and confirms that it is correct, it shall submit an application for approval of accounts receivable online;

5, social labor insurance agencies according to the application of the insured enterprises, the corresponding payment information for approval, and collect social insurance fees through online banking.

The payment standards for five insurances and one gold are as follows:

1. Pension insurance payment ratio: unit 2 1% (all included in the overall fund) and individual 8% (all included in the personal account);

2. The proportion of medical insurance payment: 9% for the unit and 2% for the individual+3 yuan;

3. Unemployment insurance contribution ratio: 2% for the unit and 0/%for the individual;

4. Payment ratio of work-related injury insurance: 0.5% per month, without paying any money. Industrial injury insurance determines its industrial injury rate according to the industry scope of the unit, with a range of 0.5%-2%;

5. Payment ratio of maternity insurance: the unit pays 1% every month, without paying a penny;

6. Housing provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the maximum shall not exceed 10% of the average wage of employees. The employer shall pay the housing accumulation fund at 12% of the salary. Units and individuals are 65438+ 02% of salary.

The method of paying five insurances and one gold after starting your own company is as follows:

1, the employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or seal;

2, the social insurance agency shall, within fifteen days from the date of receiving the application, review and issue the social insurance registration certificate;

3, the employer's social insurance registration items change or the employer is terminated according to law, it shall, within thirty days from the date of change or termination, to the social insurance agency for change or cancellation of social insurance registration;

4. The market supervision and management department, the civil affairs department and the organization management organ shall promptly notify the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly notify the social insurance agency of the birth, death and household registration, transfer and cancellation of the individual.

To sum up, 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. Individual insurance can only pay pension and medical insurance.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 44

Employees should participate in unemployment insurance, and employers and employees should pay unemployment insurance premiums in accordance with state regulations.