What risks and benefits are included in five insurances and one gold?

Many people may not know what five insurances and one gold usually include. In fact, five insurances and one gold mainly include five social insurances and a housing accumulation fund. Five of the five insurances and one gold are the social security we usually pay, so this social security is a legal responsibility and obligation. As an enterprise unit, it must be purchased for its employees according to law. This housing accumulation fund is not a legal responsibility and obligation. As an enterprise unit, it can buy for employees or not. The five insurances mainly include employee pension insurance, employee medical insurance, unemployment insurance, work injury insurance and maternity insurance. This year, we noticed that maternity insurance will be incorporated into employee medical insurance, which means that there will be only four insurances and one gold instead of five insurances and one gold in the future. Through the employee medical insurance that will be merged with this maternity insurance, you can get a general understanding. In fact, this industrial injury insurance is likely to be incorporated into employee medical insurance, so the future trend should be three insurances and one gold.

Legal basis:

Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Labor Dispute Cases (III) Article 1 A people's court shall accept a dispute arising from the employer's failure to go through the social insurance procedures for workers and the social insurance agency's failure to make up for it.

Derivative problem:

How much is the 3000 salary for five insurances? The proportion of units and individuals to be paid in the five insurances is as follows: 1. Endowment insurance: 8% for individuals and19% for units; 2. Unemployment insurance: 0.5% for individuals and 0.8% for units; 3. Medical insurance: 2% for individuals and10% for units; 4. Work-related injury insurance: Work-related injury insurance does not need to be paid by individuals, but is paid by companies and enterprises, with payment rates ranging from 0.2% to 1.9%; 5. Maternity insurance: Maternity insurance does not require individuals to pay, but is paid by enterprises, and the payment ratio is 0.8%.