How does the company pay employees five insurances and one gold? For example, the employee's salary is 3000. How much does the company want to pay? Do you pay it every month?

Enterprises need to go to the local social security bureau to handle social security accounts for employees, and pay five insurances and one gold every month according to the local payment ratio.

The payment amount of five insurances and one gold varies from region to region, and the base is the total wages. Due to many factors, such as price level, degree of development and so on, the specific payment ratio in different regions is also different. You can log on to the local social security service platform and calculate the specific fees to be paid in the "simulation calculation" item.

Usually the calculation range is:

Pension insurance unit contribution rate 19%-20%, individual contribution rate 8%;

The contribution rate of medical insurance units is 6%- 10%, and that of individuals is 2%+3;

The contribution rate of industrial injury insurance unit is 0.2- 1.9%, and individuals do not pay;

Unemployment insurance units pay 0.7%- 1%, and individuals pay 0.2%-0.5%;

The contribution rate of maternity insurance unit is 0.5%- 1%, and individuals do not pay;

Housing provident fund units and individuals pay the same proportion, ranging from 7% to 12%.

Take the payment ratio of 20 16 in Beijing as an example:

Extended data

Five insurances and one gold include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund. The first four insurances belong to the category of social insurance.

Social insurance includes basic old-age insurance, unemployment insurance, medical insurance, industrial injury insurance, maternity insurance for female employees and rural old-age insurance.

The differences between social insurance and commercial insurance are as follows:

(1) properties are different. Social insurance is based on the national constitution, basic social policies and labor policies, and is implemented through national or local legislation. Commercial insurance is an aspect of national economic activities, and it is a business activity carried out by people's insurance companies by economic means. This commercial activity is realized by the insurer and the insured signing a contract on a voluntary basis.

(2) The objects and functions of insurance are different. Social insurance targets workers and their immediate family members, and its function is to ensure the basic life of workers when they lose their ability to work and their jobs. This kind of protection is conducive to maintaining social equity and social stability. Commercial insurance takes the insured natural person as the insured object, and its function is to give the insured certain economic compensation according to the contract.

(3) Different levels of treatment. Social insurance starts from ensuring basic life and stabilizing society, and focuses on long-term basic life. The level of security is gradually improved with the rise of prices and the improvement of social production level. Commercial insurance only pays attention to one-time economic compensation, and the determination of compensation level only considers the insured's compensation amount, without considering other factors.

(4) Different management systems. The management system of social insurance is based on the functional departments of governments at all levels in charge of social insurance and their affiliated social insurance institutions. In order to realize the right of workers to enjoy social insurance benefits given by law, the social insurance affairs of workers are managed in a unified way. The management system of commercial insurance is the independent operation of all economic entities, and its management work revolves around the strict performance of insurance contracts.

(5) Different types of legislation. Social insurance is one of the basic rights of workers stipulated by the state, and it is also the obligation of the state to workers, which belongs to the scope of labor legislation. Commercial insurance is a kind of financial activity, and the rights of both parties to the insurance contract are protected by the economic contract law, which belongs to the category of economic legislation.

Beijing social insurance service platform-simulation calculation? Baidu encyclopedia: five insurances and one gold