What do you mean by four insurances and one gold?

Four insurances and one gold are five insurances and one gold. We usually refer to social security as endowment insurance, medical insurance, maternity insurance, industrial injury insurance, maternity insurance and housing accumulation fund. Five insurances and one gold are the welfare enjoyed by workers in China. During their employment in the company, the company has the responsibility to insure them with five insurances and one gold, and the premiums of five insurances and one gold are paid by the company and individual employees in a certain proportion.

The difference between four insurances and one gold and five insurances and one gold

Five insurances and one gold refer to several security benefits provided by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

Strictly speaking, four insurances and one gold have five insurances, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. One gold refers to the housing accumulation fund. Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not have to pay them. It should be noted here that "four risks" are legal, but "one gold" is not.

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

As for old-age insurance, unemployment insurance and medical insurance, they can only be collected if they are issued by the insurance department under the circumstances permitted by law. For example, "Old-age insurance can only reach the legal age, and unemployment insurance can only be obtained by going to the street office where the household registration is located to apply for unemployment certificates and job-seeking certificates, which means that you must have the will to find a job after unemployment. 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.

Proportional payment standard of four insurances and one gold

Social security payment refers to the act of participating in various social security and paying insurance premiums. Generally speaking, it refers to the payment of endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Social security is divided into units and individuals. Specific social security contributions are as follows:

Endowment insurance, the unit pays 22%, and the individual pays 8%;

Medical insurance, the unit pays 12% and the individual pays 2%;

Unemployment insurance, the unit pays 2%, and the individual pays1%;

On the premise of ensuring the social insurance benefits of the insured and the normal operation of the social security fund, Shanghai further lowered the rates of old-age insurance, medical insurance and unemployment insurance, with the total rate lowered by 2.5 percentage points.

After this adjustment, the total level of five social insurance rates for employees in Shanghai is 43%. According to estimates, the burden on enterprises can be reduced by about 654.38+0.35 billion yuan in 2065.438+06. The new rate standard will be implemented from June 65438+1 October 1 this year, and the social insurance premium paid by the enterprise from June 65438+1October1will be returned to the enterprise.