What are five insurances and three golds, and which enterprises will have them?

Sanjin: industrial injury insurance, medical insurance and endowment insurance.

Social insurance refers to the system that the state establishes a social insurance fund through legislation to give necessary material help to workers who participate in labor relations when they lose their ability to work or are unemployed.

At present, the company's welfare benefits are "five insurances and one gold", including: old-age insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. One gold refers to the housing accumulation fund.

1. Old-age insurance (gold): If you pay 15 years and are 55-60 years old, you can apply for retirement and receive a pension.

2. Unemployment insurance (gold): Those who have paid unemployment insurance for more than one year and are unemployed for non-personal reasons can apply for unemployment insurance.

3. Provident Fund: You can apply for provident fund loans for housing loans, and the interest is lower than that of bank loans. You can get it in one lump sum when you retire.

4. Correctly understand what employee social security is as follows:

The social security of employees includes endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance, and the provident fund is referred to as five insurances and one gold.

Pension: 20% for the unit and 8% for the individual.

Unemployment: unit 2%, individual 1%.

Medical treatment: 4-6% for units and 2-4% for individuals.

Work injury: unit 1%, individual 0%.

Birth: unit 1%, individual 0%.

The provident fund is generally 8%- 12% of the unit, and so is the individual.

In addition to the minimum guarantee stipulated by the state, all localities have their own policies.

What's the difference between Sanjin and Social Security?

What's the difference between Sanjin and Social Security? In which case should I pay three gold, and in which case should I pay social security?

Social security includes pension, medical care, work injury, maternity and unemployment insurance. The so-called "three golds" you mentioned are all subordinate to social security. As for who is more cost-effective, there is no question of whether social security is cost-effective. After all, it is compulsory and policy insurance, which solves the most basic living security problem of each of us. Social security contributions, if paid by a unit, are the biggest beneficiaries.

Help you analyze the difference between individual contributions and unit contributions: individual contributions to pensions are 20%; If there is a unit, the unit pension insurance bears 20% of 12%, that is, individuals can only pay 8%.

Legal basis: Article 27 of the Social Insurance Law of People's Republic of China (PRC), if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment reaches the number of years stipulated by the state, he will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits according to the state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.