What does the four gold include?

Question 1: What does Shanghai Four Gold include? Let me get this straight, nouns are not necessarily accurate.

1 Pension is how much retirement salary will be paid to you in the future.

The medical insurance fee is for you to see a doctor, and the hospitalization can be reimbursed if it exceeds the quota.

Unemployment insurance means that in case you stop working, you can get unemployment benefits of 4,500 yuan per month every six months for up to two years.

4 provident fund is a house loan.

In fact, there is maternity insurance, which is also considered as four gold, that is, the woman can get a sum of money when she gives birth to a child, and the man pays the fee.

Question 2: What does "four gold" mean? Four gold l "four gold" refers to endowment insurance, housing accumulation fund, unemployment insurance and medical insurance. "Four gold" is the social insurance issued and implemented by the * * * department, which is mandatory. Where the "four gold" provisions apply to this unit, they must be unconditionally implemented. It is also a basic social obligation that the applicable unit must undertake, and it is a basic right that workers should enjoy. Payment standard of "four funds": endowment insurance = salary× 8%+salary× 22% medical insurance = salary× 2%+salary×12% unemployment insurance = salary×1%+salary× 2% housing accumulation fund = salary× 7%+salary× 7%. In order to avoid social responsibility, a few employers keep playing the "flower head" on the "four gold". Graduates should pay attention to avoid their legitimate rights and interests being violated when signing contracts. "Flower Head" 1: Commercial insurance replaces social insurance. Employers do not pay social insurance premiums to employees on the pretext that they buy commercial insurance. Even if the company does buy you commercial insurance, its policy is often controlled by the company. There are still many uncertainties about whether employees can get practical benefits. Social insurance is a common principle of society, units and individuals, with strong continuity. It will be with you all your life. When you are unemployed or have other changes, you can temporarily close your account and continue to pay fees after re-employment, which will not affect your future income. "Flower Head" 2: "Deduct two Jin" in payment calculation. Social insurance also implements the principle of paying more and getting more. The unit pays most for you and the individual bears a small part. The calculation base of the part paid by the unit is the total wages of all employees of the unit last month. Some units deliberately lowered the total wages and achieved the goal of paying less "four gold". The base of individual payment is my average monthly salary in the previous year, and some units only calculate the basic salary, not other income. "Flower Head" 3: It is called "probation period". Some units deliberately violate the time limit for extending the probation period and refuse to pay "four gold" to employees under the pretext of "probation period". In fact, the probation period is also the validity period of the contract. Even during the probation period, employees have the right to enjoy the "four gold". For example, according to the relevant regulations of the municipal government on old-age insurance, workers should pay old-age insurance for the employees from the month after they are officially hired by the employer. This practice does not conform to the labor law. The company called it "probation period" and used it as an excuse not to pay "four gold" to employees, which violated the labor law. The probation period is also the validity of the contract. During the probation period, employees also have the right to enjoy the "four gold". For example, according to the relevant provisions of * * * on old-age insurance, the employee shall pay old-age insurance for the hired person from the next month after he is officially hired by the employer. As for "compensation after regularization", sometimes it is purely the practice of the unit itself and has no legal basis. After graduates formally report to the unit, they can pay four funds in time according to the requirements of the labor law. Graduates who have worked in foreign units for several years can transfer the "four gold" in their foreign accounts to Shanghai if the payment of the "four gold" has not stopped, but if they move across provinces and cities, there will be no less than 20% to 30% loss. For specific procedures, please consult the talent market in the district and city where the foreign unit is located and the talent market in Shanghai. If the payment of the "four gold" has been interrupted during the work in a foreign unit, it is necessary to make up the amount of the "four gold" during the work in the field before moving in. In many cases, the amount of the four gold transferred to Shanghai (after deducting the losses) is almost the same as the amount of the four gold replenished by yourself, so it is not cost-effective to handle the transfer. Of course, it depends on the original four gold in other places, and then consider it as appropriate. 1, the four funds cannot be used for other purposes, and the medical fund cannot be used to buy a house. The medical fund can only pay for medical treatment by credit card every year, and the unused funds in that year can be reserved for the next year and cannot be withdrawn. When it is used up in that year, it will be paid in cash for future medical treatment (the medical fund cannot be overdrawn). 2. After buying a house, you can withdraw all the housing provident fund (cash) from the designated place of CCB with the real estate license, and you still need to pay the housing provident fund after buying a house.

Question 3: What does the three-marriage gold contain? What is four gold? Three golds: necklaces, earrings and rings; Four golds: necklace, ring, bracelet and anklet. It used to be three gold, but now it's four gold.

Question 4: What's the difference between social insurance and four funds? Many people refer to social insurance as endowment insurance in social insurance. Social insurance should actually be "six insurances and one gold", that is, pension, medical insurance, unemployment, work injury, maternity and serious illness. A fund should refer to the housing accumulation fund, but some good units also have "annuities". For example, my friend has this treatment in Netcom (Ping An manages the annuity business for him). Small town insurance doesn't mean four gold.

Satisfied, please adopt.

Question 5: What are the four gold medals added by Shanghainese? What's the difference between five insurances and one gold? The four gold, five insurance and one gold you mentioned are actually the same, that is, Shanghai urban social insurance, referred to as social security. For an individual, it is four gold, and for the unit, it is five insurances and one gold.

The so-called five insurances and one gold are: endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and provident fund. For the unit, it is necessary to pay these five insurances and one gold for each employee, but four of them also need to be paid by individuals, namely, pension, medical care, unemployment insurance and provident fund, referred to as four gold.

So four gold is five insurances and one gold.

Question 6: What are three golds and four golds? What is the difference? You must be from Shanghai. This statement is common in Shanghai. Three gold is to pay social insurance for you, and four gold is to add a housing provident fund.

Question 7: What are the four funds that can be deducted from personal income tax? Five insurances and one gold? Pension, medical care, unemployment, industrial and commercial maternity, housing provident fund.

Question 8: What's the difference between five insurances and one gold and four gold? Which is better? 40 points: Five insurances and one gold refer to endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. Among them, industrial injury insurance and maternity insurance are paid by employers, not individuals, so the rest are referred to as four funds for short.