Three insurance and one gold contribution standard

The contribution standards for the three insurance and one pension are as follows:

1. If the salary income of an employee is higher than 300% of the average salary of the local employees in the previous year, 300% of the average salary of the local employees in the previous year will be used as the basis for the contribution;

2. If the salary income of an employee is lower than 60% of the average salary of the local employees in the previous year, 60% of the average salary of the local employees in the previous year will be used as the basis for the contribution;

3. If the employee's salary is between 300% and 60%, it will be declared according to the actual situation. When the salary income of the employee cannot be determined, the contribution base is determined by the average salary of the local employees in the previous year announced by the local labor administration department as the contribution salary.

The three insurance policies are as follows:

1. Pension insurance: the purpose of pension insurance is to protect the basic needs of the elderly and provide them with a stable and reliable source of livelihood;

2. Medical insurance: the biggest advantage of participating in basic medical insurance is the implementation of social coordination, with ****ancial, enhancing the anti-risk ability, and guaranteeing the employees' basic Medical needs;

3. Unemployment insurance: the state through legislation mandatory, by the community to establish a centralized fund to provide material assistance to workers due to unemployment and temporary interruption of the source of livelihood, and thus to protect the unemployed during the period of unemployment of the basic livelihood, and to promote the re-employment of the system. It is an important part of the social security system, is one of the main items of social insurance;

4, provident fund: is the unit to the employee's contribution to the long-term housing reserves. It is used for employees to buy, build, renovate and overhaul their own housing, and no unit or individual may divert it for other purposes.

The conditions for the payment of the three insurance funds are as follows:

1, and the employer has established a labor contract relationship, signed a labor contract;

2, the employer is a legal business license and other formalities within the territory of China enterprises, according to the requirements of the social security and housing provident fund registration;

3, is a legal citizen of Chinese nationality;

4, with the Hukou has nothing to do with, regardless of urban, rural, foreign and local can apply for five insurance and one gold.

Summary, three insurance and one gold refers to the collective name of several kinds of security benefits given to workers by employers, including pension insurance, medical insurance, unemployment insurance, and housing fund.

Legal basis:

Article 2 of the Social Insurance Law of the People's Republic of China

The state establishes a social insurance system for basic old-age insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, and guarantees the right of citizens to receive material assistance from the state and society in accordance with the law in the event of old age, sickness, work-related injuries, unemployment, and childbirth.

Article 58

An employer shall, within thirty days from the date of employment, apply to a social insurance agency for social insurance registration for its employees. If it fails to register for social insurance, the social insurance administration organization shall approve the social insurance premiums it shall pay.

Individual industrial and commercial households without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance with their employers, and other flexibly employed persons shall apply to the social insurance administrative organization for social insurance registration.

The State establishes a nationally unified individual social security number. The personal social security number is a citizen's identity number.