Is five insurances and one gold for state-owned enterprises the highest standard?

Five insurances and one gold for state-owned enterprises are not necessarily the highest standards. The grade of five insurances and one gold paid by state-owned enterprises should be calculated according to my salary last month. Details are as follows:

1. If the average salary of last year was 300% or more higher than the average salary of local employees at the end of last year, the payment base of five insurances and one gold shall be calculated according to 300% of the average monthly salary;

2. If the average wage of last year is lower than 60% or less of the average wage of local employees at the end of last year, the payment base of five insurances and one gold shall be calculated according to 60% of the average monthly wage;

3. If the average salary of last year was between 60% and 00% of the average salary of local employees at the end of last year, the payment base of five insurances and one gold shall be declared according to the actual salary.

Five insurances and one gold are the general names of several security benefits provided by employers to workers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

The process of handling five insurances and one gold is as follows:

1, social security and provident fund accounts. Enterprises need to open social security and provident fund accounts in social security bureau and provident fund center within 30 days from the date of establishment. After opening a social security account, obtain a social security registration certificate, and after opening a provident fund account, obtain a unit provident fund registration number;

2. Increase or decrease the number of employees. Every month, the company will add new employees to the company's five insurance and one gold account and delete employees who have left the company from the account. Social security and provident fund accounts are two independent accounts, and the operation of increasing or decreasing employees must be carried out in two accounts;

3. Confirm the payment base. The unit needs to declare the correct payment base of five insurances and one gold for employees every month to ensure the normal payment of five insurances and one gold. The payment base of five insurances and one gold is based on the average salary of employees in the previous year or the salary in the first month of employment;

4. Five insurances and one gold payment. If an enterprise, bank or social security/provident fund management institution signs a bank payment agreement, the five insurances and one gold payment will be directly deducted from the enterprise bank account at a fixed time every month. Of course, enterprises can also choose cash or check to pay at the site of the five insurance and one gold management institution.

Legal basis: Article 58 of People's Republic of China (PRC) Social Insurance Law.

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.