What is the ratio of five insurances and one gold stipulated in the social security law?

If the payment ratio of "five insurances and one gold" is endowment insurance, the employer will bear 20%, the employees will bear 8%, the medical insurance contribution rate will be 8%, and the employees will only bear 2%. The contribution ratio of work-related injury insurance varies from 0.6% to 2%, but the employer needs to pay all the work-related injury insurance, and the wages of employees cannot be deducted from maternity insurance.

1. What is the ratio of five insurances and one gold stipulated in the Social Security Law?

1, the contribution rate of endowment insurance is 28%, of which the unit contribution rate is 20% and the individual contribution rate of employees is 8%.

2. The medical insurance premium rate is 8%, of which the unit premium rate is 6%, the employee premium rate is 2%, and the individual industrial and commercial households and flexible employees premium rate is 8%.

3. The unemployment insurance rate is 3%, of which the unit rate is 2% and the employee rate is 1%.

4. The contribution rates of industrial injury insurance are 0.6%, 1.2% and 2% respectively. The unit bears the full payment rate, and the individual does not pay.

5. The contribution rate of maternity insurance is 0.7%, and the unit bears the full contribution rate, and the individual does not pay.

6. Payment ratio of housing accumulation fund: 6%- 12% for the unit and 6%- 12% for the individual.

Two, the employer does not pay the administrative responsibility of social security.

According to Article 84 of the Social Insurance Law, if the employer fails to register for social insurance, the social insurance administrative department shall order it to make corrections within a time limit; If no correction is made within the time limit, the employer shall be fined more than one time and less than three times the amount of social insurance premiums payable, and the directly responsible person in charge and other directly responsible personnel shall be fined more than 500 yuan and less than 3,000 yuan.

According to Article 62 of the Regulations on Work-related Injury Insurance, if an employer fails to participate in work-related injury insurance in accordance with the provisions of this Ordinance, the social insurance administrative department shall order it to participate within a time limit, pay back the work-related injury insurance premium that should be paid, and impose a late payment fee of 0.5% on a daily basis from the date of default; Failing to pay within the time limit, a fine of 1 times shall be imposed.

According to the provisions of Article 23 of the Provisional Regulations on the Collection and Payment of Social Insurance Fees, if the payer fails to register, change or cancel the registration of social insurance in accordance with the provisions, or fails to declare the amount of social insurance premiums payable in accordance with the provisions, the administrative department of labor security shall order it to make corrections within a time limit; If the circumstances are serious, the directly responsible person in charge and other directly responsible personnel may be fined more than 5000 yuan 1000 yuan; If the circumstances are particularly serious, the directly responsible person in charge and other directly responsible personnel may be fined not less than 5000 yuan but not more than 65438 yuan but not more than 0,000 yuan.

Third, the role of social security insurance.

1, endowment insurance

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.

2. Medical insurance

Individuals who participate in the basic medical insurance for employees, who have reached the statutory retirement age and accumulated contributions have reached the number of years stipulated by the state, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations.

3. Work injury insurance

Workers who are injured by accidents or suffer from occupational diseases due to work reasons and are recognized as work-related injuries shall enjoy work-related injury insurance benefits; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability treatment. Workers with work-related injuries who meet the conditions for receiving basic old-age pension will stop receiving disability allowance and enjoy basic old-age insurance benefits. If the basic old-age insurance benefits are lower than the disability allowance, the difference will be made up by the industrial injury insurance fund.

4. Unemployment insurance

Unemployed persons who meet the following conditions shall receive unemployment insurance money from the unemployment insurance fund:

(a) before unemployment, the employer and I have paid unemployment insurance premiums for one year;

(two) the employment is not interrupted because of my will;

(three) registered unemployed and have job requirements. During the period of receiving unemployment insurance benefits, the unemployed participate in the basic medical insurance for employees and enjoy the basic medical insurance benefits. The basic medical insurance premiums payable by the unemployed are paid from the unemployment insurance fund, and individuals do not pay the basic medical insurance premiums.

5. Maternity insurance

The employer has paid maternity insurance, and its employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund.

In short, the payment ratio of five insurances and one gold is different. So basically, only large state-owned enterprises or state administrative units will pay five insurances and one gold according to the highest payment rate stipulated by the state, while most other private enterprises pay social security for their employees according to the minimum payment standard, which leads to differences in the social security benefits that employees can enjoy.