Which insurance must be paid by the organization to the individual?

Which insurance must be paid by the unit to the individual

Labor law - five insurance and one gold

The "five insurance and one gold" refers to five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance;

The "one gold" refers to the housing fund. The "one gold" refers to the housing fund.

Among them, pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and the individual **** the same premiums, work injury insurance and maternity insurance is entirely borne by the enterprise. Individuals do not need to pay. It is important to note that "five insurance" is legal, and "one gold" is not legal.

What is the contribution ratio of the "five insurance and one gold"?

At present, Beijing's pension insurance contribution ratio: 20% for the unit (of which 17% is allocated to the overall fund and 3% to the personal account) and 8% for the individual (all allocated to the personal account); medical insurance contribution ratio: 10% for the unit and 2% + 3 yuan for the individual; unemployment insurance contribution ratio: 1.5% for the unit and 0.5% for the individual; work injury insurance is based on the unit's industry scope to determine its work injury rate; maternity insurance contribution ratio: 1.5% for the unit and 0.5% for the individual; work injury insurance is based on the unit's industry scope to determine its work injury rate; maternity insurance contribution ratio: 1.5% for the unit and 0.5% for the individual. The rate of contribution for maternity insurance: 0.8% for the unit and no money for the individual.

Contribution ratio of provident fund: According to the actual situation of the enterprise, choose the contribution ratio of housing provident fund. But in principle, the maximum contribution shall not exceed 10% of 300% of the average salary of Beijing employees.

(Co-ordinated fund that is: in the process of the gradual transformation of the pension insurance system from a state-unit system to a state-social system requires state co-ordination to solve the problems of unbalanced economic development and the aging of the population.

(1) the establishment of a social coordinated fund based on contributions from enterprises; (2) the establishment of individual accounts based on contributions from employees and enterprises; (3) *** bear the administrative costs of the pension insurance fund. This half-fund system combining social coordination and individual accounts is conducive to coping with the crisis of China's aging population, gradually dispersing the cost of transition 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 amount of the four insurance premiums is different in each region, and the base is based on the gross salary. Some enterprises have a basic salary at the time of issuance, there are related to some subsidies, but some enterprises in the payment, just the basic salary, which is against the law. The specific ratio to the local labor department to consult.

Regarding the pension insurance, unemployment insurance and medical insurance payments, it is permitted by law to receive, is registered by the department to issue, such as "pension insurance, to reach the age of law can be, unemployment insurance payments are also to have the conditions, such as you to the household location of the street office for the certificate of unemployment, and at the same time did the job search certificate, that is, you are unemployed. The first thing you need to do is to find a way to get the job done, and you'll be able to do that.

If you don't want to work after being unemployed, then you can't be paid insurance benefits. In addition, the pension and the unemployment benefit cannot be enjoyed at the same time.

? Are you entitled to insurance during the probationary period?

You should be insured during the probationary period because the probationary period is an integral part of the contractual period, it is not isolated from the contractual period. Therefore, the probationary period should also be insured. In addition, the enterprise to the employee insurance is a legal obligation, does not depend on the intention of the parties or voluntary or not, even if the employee said do not need to pay the insurance can not, and commercial insurance can not replace the social insurance. The benefits of old-age insurance can be enjoyed if you have paid for old-age insurance for more than 15 years and have reached the legal retirement age:

1. You will receive the basic pension according to the regulations until your death.

The formula for calculating the basic pension is as follows:

Basic pension = basic pension + individual account pension + transitional pension = average monthly salary of the city's employees in the year before retirement × 20% (15% for those who have paid contributions for less than 15 years) + principal and interest on the individual account and ÷ 120 + indexed average monthly salary for contributions × years of contributions before the end of 1997 × 1.4%.

2, death treatment. (1) funeral expenses (2) a one-time pension (3) eligible to support the immediate family members of the living difficulties of the subsidies paid monthly until the death of the immediate family members of the support.

Note: Pension insurance should be paid continuously as far as possible. According to the relevant records, where an enterprise or an insured person pays basic pension insurance premiums intermittently (except for unemployed persons during the period when they receive unemployment insurance premiums or those who do not pay the premiums in accordance with the relevant regulations), and the insured person complies with the old-age pension conditions stipulated by the State, when calculating the basic pension, the base of calculation of his/her basic pension will be calculated in accordance with the cumulative intermittent contribution time. (The cumulative interrupted contribution time is calculated as one interrupted contribution year for every full 12 months, and is not calculated for less than 12 months)

Let's take an example:

If you retire in 2020, your basic pension will be the 2019 average social wage × 20%, but if you have interrupted your pension insurance for 30 months before retirement, the base pension will be calculated according to the average social wage × 20% of 2019. Before the pension insurance interruption of 30 months, is interrupted for 2.5 years, according to the 2-year calculation, your basic pension is the average social salary in 2017 × 20% of the enjoyment of medical insurance

1, outpatient, emergency medical expenses

Active employees in the year (January 1 - December 31) in line with the scope of the basic medical insurance medical expenses accumulated more than 2,000 Yuan or more;

2. Settlement ratio:

50% reimbursement for the part of the dispatched staff above 2000 Yuan during the contract period, and 50% out-of-pocket payment by the individual; the maximum amount of outpatient and emergency reimbursement paid to the dispatched staff is 20,000 Yuan in a cumulative total within a year.

3, the participant should keep the outpatient medical bills (including receipts and prescription bottoms for the part below the large amount) of the outpatient consultation in the designated hospital as the vouchers for the reimbursement of medical expenses;

4, outpatient consultation for three special diseases: the participant who suffers from malignant tumors radiation therapy and chemotherapy, renal dialysis, and anti-rejection medication after renal transplantation need to be consulted in the outpatient clinic, the second and third level designated hospitals for the medical treatment of the participants will issue a certificate for the outpatient clinics. The second and third level designated hospitals will issue a "Diagnostic Certificate of Disease" and fill in the "Beijing Medical Insurance Special Disease Declaration and Approval Form" and report it to the District Medical Insurance Center for approval and filing. The outpatient medical treatment and medicine collection for these three special diseases are limited to the approved designated hospitals, and cannot be purchased at designated retail pharmacies. If the medical expenses incurred meet the scope of outpatient special diseases, they will be settled with reference to hospitalization;

5. Inpatient medical care

● Hospitalization deposit: When a participant who meets the conditions for hospitalization is hospitalized, the hospital will collect part of the participant's deposit, the amount of which will be determined by the hospital on a pro rata basis in accordance with the condition of the participant. If the unit of the dispatched person and the insured person fail to pay the medical insurance premiums in full and on time, the hospitalization deposit will be fully advanced by the dispatched person personally;

● Settlement cycle: every 90 days of inpatient treatment for the insured person is a settlement cycle: if it is not more than 90 days, each hospitalization is a settlement cycle;

● Outpatient radiation therapy and chemotherapy for patients with malignant tumors, renal dialysis, kidney transplantation, taking antiretroviral drugs after the transplantation, and patients suffering from malignant tumors, and outpatient radiotherapy and chemotherapy for patients with malignant tumors. Medical expenses incurred by patients with malignant tumors under outpatient radiotherapy and chemotherapy, renal dialysis, anti-rejection drugs after kidney transplantation, and patients with mental illnesses that require year-round hospitalization shall be subject to a settlement cycle every 360 days;

● Medical expenses incurred by insured persons under treatment in the family hospital beds of designated community health service centers (stations) shall be subject to a settlement cycle every 90 days;

● Upon discharge of the insured persons from hospitals or when the stage of treatment is completed, the dispatched persons should settle the expenses payable by them at their expense with the hospitals. When the participant is discharged from the hospital or at the end of the phase of treatment, the medical expenses to be paid by the dispatched person at his/her own expense and at his/her own expense shall be settled with the hospital first, and the medical expenses to be paid by the basic medical insurance co-ordination fund and the large amount of medical mutual aid funds shall be declared by the hospital to the medical insurance center for auditing and settlement;

● For the settlement of medical expenses for hospitalization of insured persons and medical expenses in compliance with the scope of the provisions of the basic medical insurance, the basic medical insurance co-ordination fund will set up a threshold for the payment of medical expenses and a maximum payment amount;

(The proportion of each has been adjusted, according to the new standard implementation)

Note ah: non-business traffic accidents, health insurance is exempted!

Unemployment insurance to enjoy the treatment

Unemployment insurance continuous payment for more than one year, after the file returned to the street. You can enjoy unemployment insurance treatment in the street.

1. Unemployment insurance benefits: refers to the unemployment insurance agency in accordance with the provisions of the basic living expenses paid to eligible unemployed people, it is the most important unemployment insurance treatment. Unemployment insurance treatment is implemented according to the relevant files of Beijing Municipality;

2. Medical benefits during the period of receiving unemployment insurance benefits: it refers to the benefits paid to the unemployed for the medical expenses incurred during the period of receiving unemployment insurance benefits. It is implemented in accordance with the relevant policies and regulations of Beijing;

3. Funeral benefits for the unemployed who died during the period of receiving unemployment insurance benefits, and their dependent spouses and immediate family members enjoying the benefits of work injury insurance

If an accident occurs during the contract period, you need to obtain a statement of the situation from the enterprise and stamp it with the official seal of the enterprise, and apply for a recognition of work injury as soon as possible (preferably within three working days), and you need to provide the following materials.

1, the first treatment diagnosis or hospitalization medical records;

2, occupational disease diagnosis certificate (original, photocopy each);

3, traffic accidents need to provide the traffic brigade's accident verdict or the traffic department's traffic accidents certificate;

4, photocopy of the identity card;

5, the validity period of the original employment contract

Maternity insurance benefits

Maternity-related expenses can be reimbursed. The scope of reimbursement includes maternity allowance, maternity medical expenses, medical expenses for family planning surgery, and other maternity-related expenses stipulated by the state and the city.

The maternity allowance is calculated by dividing the contribution base of the month in which the female worker gives birth by 30 and multiplying it by the number of days of maternity leave. The maternity allowance is the salary of the female worker during her maternity leave, and if the maternity allowance is lower than her own salary, the difference will be made up by the enterprise.

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

Medical expenses for family planning surgery include the medical expenses incurred by employees for family planning.

It is now required that the health insurance payment for 20 years, the pension payment for 15 years to be eligible for pension and enjoy the health insurance reimbursement after retirement

Individuals in the unit must buy insurance?

Employee social security, is a kind of national welfare to the workers. According to labor law, enterprises are required to buy social security for employees.

If the employees themselves are not willing to buy, when there is a work injury, the enterprise can not compensate, then the individual bear the corresponding responsibility.

If the employee wants to buy, and the enterprise does not give to buy, then you can go to the social security bureau to complain, and asked to buy social security for employees. If the company does not buy social security, in the event of a work injury, the company will have to bear the costs.

What units and individuals must participate in the work injury insurance

According to Article 73 of the Labor Contract Law, workers are entitled to social insurance treatment under the following circumstances: retirement; illness, injury; work-related disability or occupational disease; unemployment; childbirth. The conditions and standards for workers to enjoy social insurance benefits are stipulated by laws and regulations.

According to Article 10 of the Social Insurance Law, workers should participate in basic pension insurance, and the employer and workers*** pay the basic pension insurance premiums together.

Article 23 of the Social Insurance Law, employees shall participate in basic medical insurance for employees, and the employer and employees shall pay the basic medical insurance premiums in accordance with state regulations***.

Article 33 of the Social Insurance Law, employees shall participate in work-related injury insurance, and the employer shall pay work-related injury insurance premiums, and employees shall not pay work-related injury insurance premiums.

Article 44 of the Social Insurance Law, employees should participate in unemployment insurance, the employer and employees in accordance with state regulations **** the same unemployment insurance premiums.

Article 53 of the Social Insurance Law states that employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations.

Article 55 of the Social Insurance Law, employees should participate in work injury insurance, the employer pays work injury insurance premiums, and employees do not pay work injury insurance premiums.

From can be seen, the basic pension insurance, basic medical insurance, work injury insurance, unemployment insurance, maternity insurance five insurance is the employer must pay, which the basic pension insurance, basic medical insurance, unemployment insurance by the employer and the workers *** with the payment; and maternity insurance and work injury insurance by the employer to pay, the individual employee does not pay.

What are the mandatory insurances practiced by the state? (Is there any insurance that students must pay)

No, the insurance that the school requires to pay is voluntary, and the school has no right to force you to buy insurance

The unit and the individual signed a labor contract, it is necessary to pay insurance to the individual?

The unit and the individual signed a labor contract and the establishment of the actual labor relations must be paid to the social security

The company must pay for the insurance to seek help from the gods

The five insurance and one gold "five insurance and one gold" is about five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance; "one gold" is about five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. The "one gold" refers to the housing fund. Among them, pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and individual **** the same premiums, industrial injury insurance and maternity insurance is completely borne by the enterprise. Individuals do not need to pay. It is important to note that "five insurance" is legal, and "one gold" is not legal.

The unit does not pay social security individuals to pay 870 yuan is which several insurance

Hello, social security: basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance (some areas have been merged into the medical insurance).

Which organizations and individuals must participate in basic medical insurance?

State organs, social organizations, enterprises, institutions, private non-enterprise units, individual economic organizations and other employers within the territory of the People's Republic of China and all individuals who have a labor relationship with the employer must participate in medical insurance.

Legal basis: 1, Article 4, 20, 57 of the Social Insurance Law; 2, paragraph 1 of the State Council's Decision on the Establishment of a Basic Medical Insurance System for Urban Employees. Nanjing Yeqiao social insurance service warm tips

unit to pay the work injury fund must pay medical insurance

according to the law to participate in social insurance contributions, is the employer's legal obligations, social insurance, including basic pension insurance, basic medical insurance, unemployment insurance, work injury insurance and maternity insurance. If you don't pay or don't pay in full and on time, you will be penalized according to the law.

According to the Social Insurance Law:

Article 2 The State establishes a social insurance system of basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., and guarantees the right of citizens to receive material assistance from the State and society according to the law in the event of old age, sickness, industrial injury, unemployment, or maternity.

Article 4 Employers and individuals within the territory of the People's Republic of China*** and the State shall, in accordance with the law, pay social insurance premiums, and shall have the right to inquire about the records of payment of premiums and records of the rights and interests of individuals, as well as to demand that the social insurance administration organizations provide social insurance consulting and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise the payment of contributions for them by their own units.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and employees shall pay the basic medical insurance premiums in accordance with the state regulations***.

Article 84 If an employer fails to register for social insurance, the administrative department of social insurance shall order it to make corrections within a certain period of time; if it fails to do so, the employer shall be subject to a fine of not less than double and not more than triple the amount of social insurance premiums payable, and the persons in charge of the employer directly responsible for the employer and other persons directly responsible for the employer shall be subject to a fine of not less than 500 yuan and not more than 3,000 yuan.

Article 86 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order the employer to pay the premiums within a certain period of time or to make up for them, and shall impose a late payment fine of five ten-thousandths of a cent per day from the date of non-payment; and if the employer fails to pay the premiums after the expiration of the period of time, it shall impose on it a fine of not less than double and not exceeding triple of the amount of the unpaid premiums from the relevant administrative department.

Which kinds of insurance must be bought by individuals

To buy social security in the name of the individual, which includes: pension, medical, birth control insurance. This is not called a must, social security is a bundled insurance, pay a fee, it includes these types of insurance.