How to pay the five insurance and one gold

The payment of the five insurance and one gold is as follows:

1, the unit workers pay: social security of the five insurance and one gold is paid by the employer, the employer will generally pay wages every month in the payroll withholding of social security contributions for the workers, and then pay the wages to the workers. The specific process is as follows:

(1) Social security account opening. Enterprises need to go to the social security bureau for social security account opening within thirty days from the date of establishment. After the social security account is opened, you will get a Social Security Registration Certificate;

(2) Adding and deleting employeesThe unit must add the new employees added to the business into the unit's social security account every month and delete the employees who have left the company from the account. The social security account is a separate account, and the operation of adding or removing employees must be done in the account.

(3) Confirm the contribution base. Units need to declare the correct social security contribution base for their employees every month to ensure the normal payment of social security. The contribution base for social security is based on the employee's average salary of the previous year or the salary of the first month of employment;

(4) Social security contributions. If the enterprise, the bank and the social security management organization have signed a tripartite bank contribution agreement, the social security fees will be directly deducted from the enterprise's bank account at a fixed time each month. Of course, the enterprise can also choose to go to the social security office to pay the fee on site by cash or check.

2, find a formal social security agency to pay on behalf of the company. This method is the same as in the staff, to ensure that the "five insurance and one gold" payment. However, it should be noted that, although it is dependent on the social security agency, but all the money must be borne by themselves, in addition to the agency to pay a part of the service fee;

3, there is no work unit, do not want to depend on the agency to pay enough, you can also do it yourself, but generally can only handle the "five insurance" of a part of insurance, such as basic pension and insurance, but also to ensure the safety of the people. The first part of the insurance, such as basic pension insurance and basic medical insurance. As for maternity insurance, unemployment insurance and work injury insurance, the state currently does not include flexibly employed people in the coverage of these three types of insurance. The specific process is as follows:

(1) Requirements for enrollment: urban hukou or agricultural non-permanent hukou;

(2) Place of application: social security service point in the local community street, or social security bureaus (labor security bureaus) at the district and county levels;

(3) Standard of contribution: based on the previous year's local social wage, the contribution rate is 20 percent for pension and 9 percent for medical care. The rate is 20% for pension and about 9% for medical care, with 80% and 100% still available.

4. If the person himself is an entrepreneur, he can open a social security account for his own company, which is also equal to his own company to pay for himself.

Legal basis: Article 10 of the Social Insurance Law of the People's Republic of China

Employees should participate in basic pension insurance, and the employer and the employee *** with the payment of basic pension insurance premiums.

Individual industrial and commercial households without employees, part-time workers who have not participated in basic pension insurance with their employing units, and other flexibly employed persons may participate in basic pension insurance and pay basic pension insurance premiums by themselves.

The methods of pension insurance for civil servants and staff members administered under the civil service law shall be prescribed by the State Council.

Article 12

Employers shall pay basic pension insurance premiums in accordance with the proportion of the total wages of the employees of the organization prescribed by the State and credited to the Basic Pension Insurance Coordination Fund.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their own wages prescribed by the State and credited to their individual accounts.

Individual industrial and commercial households without employees, part-time workers who have not participated in the basic pension insurance in the employing organization, and other flexibly employed persons participating in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the state regulations, which shall be credited to the basic pension insurance general fund and the individual account respectively.