What is five insurances and one gold hardware?

"Five insurances and one gold" 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 jointly by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not.

Payment ratio of "five insurances and one gold"

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At present, the contribution ratio of endowment insurance in Beijing is: 20% for the unit (of which 17% is included in the overall fund and 3% in the personal account) and 8% for the individual (all included in the personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan;

Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit; Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual.

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. However, in principle, the maximum wage shall not exceed 10% of the average wage of employees in Beijing.

(Overall planning fund refers to: in the process of the gradual transformation of the old-age insurance system from the state-unit system to the state-society system, the state needs to make overall plans to solve the problems of unbalanced economic development and aging population.

(1) Establish a social pooling fund mainly based on enterprise contributions; (2) Establish personal accounts based on employees and enterprises; (3) The government bears the management expenses of the endowment insurance fund. This semi-fund system, which combines social pooling with individual accounts, is conducive to coping with the crisis of China's aging population, gradually dispersing the transition cost from the old system to the new system, and gradually realizing the transformation from the enterprise pension insurance system to the individual pension insurance system. )

The payment amount of four insurances and one gold varies from region to region, and the base is the total salary. Some enterprises pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department.

The surrender of endowment insurance, unemployment insurance and medical insurance can only be obtained under the circumstances permitted by law, and shall be issued by the insurance registration department. For example, "Old-age insurance can only be received if it reaches the legal age, and unemployment insurance benefits is also eligible to receive it. For example, if you go to the street office where your household registration is located and apply for an employment permit, it means that you must have the will to apply for a job after you lose your job.

If you don't want to work after losing your job, you won't get insurance money. In addition, pensions and unemployment benefits cannot be enjoyed at the same time.

Do you enjoy insurance during the probation period?

You should also enjoy insurance during the probation period, because the probation period is an integral part of the contract period, not isolated from it. So you should also take out insurance during the probation period. In addition, it is the legal obligation of the enterprise to insure employees, which does not depend on the intention or will of the parties. Even if employees say that they do not need to pay insurance, commercial insurance cannot replace social insurance.

Enjoy old-age insurance benefits

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Those who have paid the old-age insurance premium 15 years or more and reached the statutory retirement age can enjoy the old-age insurance benefits:

1, receive the basic pension on a monthly basis according to regulations until death.

The basic pension is calculated as follows:

Basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement × 20% (the payment period is insufficient 15 is 15%)+ personal account principal and interest and indexed monthly average payment salary ×1payment period before the end of 997 ×

2. Death treatment. (1) Funeral expenses (2) One-time pension (3) Subsidies for immediate family members who meet the support conditions are paid monthly until the immediate family members who support them die.

Note: Endowment insurance should be paid continuously as far as possible. According to the relevant documents, if the enterprise or the insured pays the basic old-age insurance premium intermittently (except for the unemployed and those who do not pay according to the relevant regulations), the insured meets the conditions stipulated by the state for receiving the pension. When calculating the basic pension, the calculation base of the basic pension will be moved forward year by year according to the cumulative intermittent payment time to the average salary of employees in this city in the previous year (the cumulative intermittent payment time is calculated at 65438+ for each full year).

For example:

If you retire in 2020, under normal circumstances, your basic pension is 2065438+the average social wage in 2009 × 20%, but if your pension insurance is interrupted for 30 months before retirement, it will be interrupted for 2.5 years. According to two years, your basic pension is 2065438+the average social wage in 2007 × 20%.

Enjoy medical insurance benefits

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1, outpatient and emergency medical expenses

The annual medical expenses of the employees (65438+1October1-65438+February 3 1) are more than 2,000 yuan;

2. Settlement ratio:

During the contract period, 50% of the dispatched personnel will be reimbursed for more than 2,000 yuan, and 50% will be paid by the individual;

Within one year, the maximum amount of accumulated reimbursement for outpatient and emergency services of dispatched personnel is 20,000 yuan.

3. The insured shall properly keep the medical documents (including receipts and prescriptions for large amounts) in the outpatient department of the designated hospital. ), as a medical expense reimbursement certificate;

4. Outpatient treatment of three kinds of special diseases: when the insured needs to take anti-rejection drugs after radiotherapy and chemotherapy for malignant tumor, renal dialysis and renal transplantation, the second-and third-level designated hospitals where the insured sees a doctor will issue the Certificate of Disease Diagnosis, fill in the Application Form for Special Diseases of Beijing Medical Insurance, and report it to the district medical insurance center for approval and filing. Outpatient treatment and drug collection for these three special diseases are limited to designated hospitals that have approved treatment, and cannot be purchased in designated retail pharmacies. The medical expenses incurred meet the prescribed scope of outpatient special diseases, with reference to hospitalization settlement;

5. Hospitalization

● Hospitalization deposit: When the insured meets the hospitalization conditions, the hospital will collect part of the deposit of the insured, and the amount of the deposit will be determined by the hospital according to the illness. If the dispatched personnel unit and the insured fail to pay the medical insurance premium in full and on time, the hospitalization deposit shall be paid in full by the dispatched personnel;

● Settlement period: every 90 days of hospitalization of insured persons is a settlement period; No more than 90 days, each hospitalization is a settlement period;

● Medical expenses incurred by patients with malignant tumor after outpatient radiotherapy and chemotherapy, renal dialysis and renal transplantation taking anti-rejection drugs, as well as mental patients who need to be hospitalized all the year round, shall be settled every 360 days;

● The medical expenses incurred by the insured for family sickbed treatment in designated community health service centers (stations) shall be settled once every 90 days;

● When the insured is discharged from the hospital or at the end of the treatment stage, it is necessary for the dispatched personnel to settle with the hospital the expenses that should be paid by the dispatched personnel at their own expense and out of their own pocket, and the medical expenses that should be paid by the basic medical insurance pooling fund and the large medical mutual fund should be reported by the hospital to the medical insurance center for review and settlement;

● When the insured person is hospitalized, he shall set the settlement method of medical expenses within the scope stipulated by the basic medical insurance, and set the deductible line and the maximum payment limit of the basic medical pooling fund;

● The first hospitalization of the deductible line 1.300 yuan, and the later hospitalization in 650 yuan, with a maximum payment limit of 50,000 yuan; Mutual assistance for large medical expenses exceeding the maximum payment limit (excluding the part below the minimum deductible and the personal burden of dispatched personnel)

70% of the funds are paid, and 30% of the dispatched personnel are personally responsible. The maximum compensation for one year is 654.38+10,000 yuan. According to the hospital level and the amount of expenses in a settlement period, the settlement standard of hospitalization expenses is calculated by stages and paid cumulatively.

(When the proportion is adjusted, the new standard should be applied. )

Note: Medical insurance is exempt from non-public traffic accidents.

Unemployment insurance benefits.

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Unemployment insurance is paid continuously for more than 1 year, and the files are returned to the street. You can enjoy unemployment insurance benefits in the street.

1. Unemployment insurance: refers to the basic living expenses paid by the unemployment insurance agency to eligible unemployed people according to regulations, which is the most important unemployment insurance benefits. Unemployment insurance benefits shall be implemented according to relevant documents of Beijing;

2. Medical subsidy during the period of receiving unemployment insurance benefits: refers to the subsidy for medical expenses incurred by the unemployed during the period of receiving unemployment insurance benefits. According to relevant policies and regulations of Beijing;

3. Funeral subsidies for unemployed people who died during the period of receiving unemployment insurance benefits and pensions for their spouses and immediate family members shall be implemented in accordance with relevant regulations.

Work-related injury insurance enjoys treatment.

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If an accident happens unfortunately during the contract period, you need to ask the enterprise for a description of the situation and affix the official seal of the enterprise, apply for work-related injury identification as soon as possible (preferably within three working days) and provide the following materials:

1, initial treatment diagnosis or hospitalization medical records;

2. Occupational disease diagnosis certificate (one original and one copy each);

3. If there is a traffic accident, provide a traffic brigade accident award or a traffic accident confirmation from the traffic department;

4. Copy of ID card;

5. Original labor contract within the validity period

Maternity insurance benefits.

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Maternity-related expenses can be reimbursed.

The scope of reimbursement includes maternity allowance, maternity medical expenses, family planning operation medical expenses and other maternity-related expenses stipulated by the state and this Municipality.

Maternity allowance is calculated according to the payment base of the month when female employees give birth divided by 30 and multiplied by the number of days of maternity leave. Maternity allowance is the salary of female employees during maternity leave. If the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise.

Maternity medical expenses include medical examination expenses, delivery expenses, operation expenses, hospitalization expenses and medicine expenses incurred by female employees due to pregnancy and childbirth.

The medical expenses of family planning operation include the medical expenses incurred by employees due to family planning.

Now it is required to pay medical insurance for 20 years, pay pension 15 years to qualify for pension, and enjoy medical insurance reimbursement after retirement.

Special tips

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First of all, if you go to work outside your registered permanent residence, for example, your original registered permanent residence is in Beijing, and you go to work in Shenzhen, regardless of whether your registered permanent residence has changed.

In the former Shenzhen, if you don't work in Shenzhen in the future, it is very problematic whether the five insurances and one gold paid in Shenzhen can be transferred out.

Because there is no internet connection for five insurances and one gold in the country now, only the internet in Beijing, which means that if you were originally there,

I worked in a company in Beijing and moved to another company in Beijing a few years later, so there is no problem with five insurances and one gold.

. However, if you jump from other provinces and cities, it will be very troublesome to turn, and it is still a question whether you can turn.

Of the five insurances mentioned above, three are jointly paid by enterprises and individuals. For example, endowment insurance

For example, insurance, your salary is 2000, you have to pay 8% personally, and the company pays 15% (the above data are all

Suppose), all this money is put into one of your accounts, and you can't pay it until you meet the conditions for enjoying old-age insurance.

Take it (see above for details), and then consider what was written in the last paragraph. In case it can't turn, then yours

I paid for it for nothing, but I still can't get it out.

This is the case for both enterprises and individuals, and so is the housing provident fund, such as multiplying by wages.

According to the proportion, if you pay 500 yuan a month, the company will give you 1000. If you change jobs, you won't be able to transfer money.

Then you pay 500 yuan a month for nothing, and you can't get it out-because you don't meet the conditions for enjoying the housing provident fund, only

You can't take it out until you buy a house.

Then some people may ask: if I don't plan to develop in the city where I just started working for a lifetime, in order to prevent being

Five insurances and one gold can't be transferred, can you not pay it? The answer is no, at least the three risks are compulsory by the state.

Yes, so I'm helpless.

In addition, the base of paying five insurances and one gold is a question of multiplying your salary by that percentage. done

Yes, let's look at the composition of salary first: basic salary+various benefits+bonus. Many enterprises just start from the basics.

The salary is five insurances and one gold, because if you calculate according to three parts, you have more personal money but the company gives it to you.

More (the five insurances and one gold paid by enterprises and individuals are the small heads paid by individuals and the big heads paid by units), so many enterprises are.

In order to save money for yourself, the smaller the base, the better. In addition, there is a big problem in the welfare part, and everyone will sign it in the future.

Be sure to ask clearly when signing the contract!

As mentioned earlier, housing provident fund is also paid by enterprises and individuals, but so is the part that enterprises will pay you sooner or later.

Yours (you can take it out at one time as long as you buy a house in the future), for example, you pay in proportion every month.

500, the company may post 1000 to you. Although this 1500 can't be taken out before you buy a house, in theory, it is also for you, so some enterprises will count it as your welfare. Actually, it shouldn't count! ! ! ! Because that 1000 is empty, you can't get it without buying a house, so when you sign it, you should ask whether this welfare includes housing provident fund, be careful!

"Four Gold" Algorithm in Company Welfare (Refer to Shanghai)

Definition of "Four Gold" Payment Base

Generally, the four gold base is the salary of the current month, but if the salary is high (for example, it exceeds the city and society where it was last year)

Three times the average monthly salary), then the base is at the top. And if the salary is particularly low (for example, lower than last year in your city)

60% of the average monthly social wage), and the base also has a back cover.

Take the situation in Shanghai in 2004 as an example. In 2003, the average monthly social wage was 1847 yuan. If your monthly salary

Exceeded 1847*3=554 1 yuan. Then the cardinal number of four gold is 554 1 yuan; If your monthly salary is less than1847 * 60% =1108.

2 yuan, four gold base is 1 108.2 yuan. If the salary is between 1 108.2 and 554 1 yuan, then the base is yours.

Salary.

"Four Gold" Contribution Ratio

Proportion of four contributions: individual contribution and company contribution.

Endowment insurance: base *8%+ base *22% (it seems that this ratio has been changed recently)

Medical insurance premium: base *2%+ base * 12%.

Unemployment insurance: base * 1%+ base *2%

Housing accumulation fund: base *7%+ base *7%

Individuals contributed the left part, that is, 8%+2%+ 1%+7%= 18%, and the company contributed the right part, that is, 22%+ 1.

2%+2%+7%=43%, that is to say, after deducting the four gold, the salary is: X= workers' salary-base *18%; The company pays

The total amount of funds disbursed is Y= employee salary+base *43%.

Attention, everyone!

The contribution ratio of the first and fourth gold is not necessarily equal to your salary, that is to say, if the pre-tax salary is 4000, the contribution base is not necessarily 4000, which may be lower than this figure.

Second, the company's expenses, in addition to what is said upstairs, also include maternity insurance and work injury insurance. The former is 05%, and the latter is from 0.

5-3%

The above is the situation in Shanghai, and the situation in other cities is definitely different (except for pre-tax deduction 1600).

How to pay the "four gold" for non-Shanghai students' employment

"Four gold" is the abbreviation of social insurance and housing accumulation fund, among which Shanghai social insurance includes endowment insurance,

Medical insurance, unemployment insurance, maternity insurance, industrial injury insurance. Can people who are currently employed in Shanghai be employed in Shanghai?

Labor and Social Security Bureau pays and enjoys social insurance and housing accumulation fund mainly by its household registration, which generally includes

The following situations:

First, social insurance should be paid according to the city's household registration personnel:

(1) Persons who have obtained Shanghai household registration (including those who directly applied for Shanghai household registration upon graduation from employment or those who are employed after employment)

Unit for talent introduction procedures);

(2) Persons who have applied for residence permits in Shanghai (including those who have directly applied for residence registration or employment in Shanghai after graduation)

The employing unit shall go through the formalities of talent introduction). In both cases, college students can participate in social security in Shanghai after employment.

Insurance, the employer may be required to pay Shanghai urban social insurance (hereinafter referred to as "urban insurance") or a small amount in accordance with the relevant provisions.

Urban social insurance ("urban insurance" for short). The above two situations are exactly the same in paying social insurance premiums; pay

Shanghai's housing provident fund is different, that is, employers must pay for people who have obtained Shanghai household registration.

Shanghai housing provident fund; The employer has no obligation to pay compulsory fees to those who have applied for residence permits in Shanghai.

Shanghai housing accumulation fund.

Second, what if there is no Shanghai household registration and no Shanghai residence permit? Such people can find jobs.

Pay the "Shanghai Comprehensive Insurance for Foreign Employees". Of course, the employer shall fulfill the obligation of hiring foreigners in accordance with relevant regulations.

Member process. Shanghai's comprehensive insurance for migrant workers includes industrial injury, hospitalization and pension subsidies.

To sum up, non-Shanghai college graduates should first inform the employer of the "four gold" problem.

The employer's own household registration, and negotiate the obligations of the employer in handling my household registration or residence permit, or

The result of negotiation is to sign an employment agreement or another agreement, which will not affect the payment and enjoyment of social insurance and housing in the future.

Accumulate money.

How to protect rights during the probation period?

Workers' rights

1, the longest period is 6 months. According to article 2 1 of People's Republic of China (PRC) labor law: "labor contract,

You can agree to the probation period. The probation period is no longer than 6 months. "

The probation period is an investigation period of no more than 6 months agreed by the employer and the employee for mutual understanding and choice.

The specific calculation method is as follows:

Just try once, there won't be another time. There can only be one probation period, which is generally applicable to employees who are newly employed or re-employed.

At that time, the probation period shall not be stipulated in the renewed labor contract. This is because the probation period is an inspection period, especially between employees and employers.

In order to protect the interests of both parties, the unit is relatively unfamiliar. If employees and employers are already familiar with each other

Of course, there is no need to agree on a probation period. If it is an agreement, this agreement is also illegal and cannot produce legal effect.

Force. Even if the employer changes the position of the laborer, it shall not stipulate the probation period separately.

3. Probation contract = The existence of "probation contract" is explicitly prohibited by the Labor Contract Law.

If there is no labor contract between the employer and the employee, it is only in the letter of appointment, employment notice or other written documents.

If the probation period is agreed, it shall be regarded as the agreement in the labor contract, and the duration of the probation period shall be regarded as the duration of the labor contract. identical

Yes, only the salary during the probation period is agreed, then the salary is regarded as the labor remuneration in the labor contract. If the employer agrees.

If the salary after employment is fixed, the salary after employment shall be regarded as labor remuneration, and the probation wage agreement shall be invalid. Employees have the right to demand

During the probation period, the employer pays the salary equivalent to the official salary. But if the employer only promises verbally that the employee will become a regular employee.

After that, the salary will be raised, but there is no specific agreement in any document and no specific figures. The probation salary is

As a reward for labor.

1. The employer with the obligation to inform shall inform the employee when he enters the employer to start work.

Rights and obligations to be fulfilled. For example, employers should inform workers about relevant rules and regulations, labor discipline, labor prevention, etc.

Security conditions, employee benefits and a series of contents. In particular, employees should be informed of their employment conditions and job requirements in detail. Ruyin

If the employer fails to inform, resulting in the fault of the laborer, the employer shall bear the corresponding responsibility.

2. Training Obligation On-the-job training for employees is also an important responsibility of the employer. If the employer does not carry out this work

If an employee is incompetent for the job or an industrial accident occurs due to industrial injury training, the employer shall bear corresponding responsibilities.

3. Burden of Proof Although the "probation period" is a process of trying and contacting each other, if the employer wants to try again,

During the use period, there must be sufficient reasons to bid farewell to employees.

During the probation period, if the employer unilaterally terminates the labor, there must be evidence to prove that the employee does not meet the employment conditions.

Contract. In other words, the employer bears all the burden of proof.

Once there is a dispute between the two parties on the termination of labor relations during the probation period, the employer must bear all the burden of proof.

. Therefore, during the whole probation period, the employer should pay attention to standardizing its own behavior and keep necessary account books.

Surface materials, documents and rationality.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.