Minimum payment standard of five insurances and one gold in Hefei

The minimum payment standards for five insurances and one gold in Hefei are as follows:

Endowment insurance: unit contribution ratio 16%, individual contribution ratio 8%.

Medical insurance: the unit contribution rate is 6.4%, and the individual contribution rate is 2%.

Unemployment insurance: the unit contribution rate is 0.5%, and the individual contribution rate is 0.5%.

Work-related injury insurance: the unit contribution ratio is 0.32%, and the individual contribution ratio is 0.

Maternity insurance: the unit contribution rate is 0.32%, and the individual contribution rate is 0.

Housing accumulation fund: the unit contribution ratio is 5%, and the individual contribution ratio is 5%.

The benefits of five insurances and one gold are as follows:

1. Five insurances and one gold can be used to deduct individual tax and reduce personal tax burden.

2. After retirement, you can receive a monthly pension until your death to ensure a sense of security.

3. Provident funds can be used for loans to provide financial support for house purchase or decoration.

4. Paying medical insurance can enjoy medical insurance benefits and reduce the burden of medical expenses. After retirement, as long as you pay the full number of years, you can enjoy medical insurance benefits for life.

5. Maternity insurance can reimburse the handling fees for birth check-up and delivery, and can also receive maternity allowance after delivery. The insurance fee is borne by the employer, and the individual does not have to pay it.

6. Unemployment insurance can receive unemployment benefits when unemployed, providing basic living security for the unemployed.

7. Work-related injury insurance can get compensation in case of work-related accidents, and protect the rights and interests of workers.

8. The social security payment certificate can be used for children's schooling, loans to buy a house and a car. , to provide all kinds of convenience for individuals.

To sum up, the social security payment base is determined according to 60% to 300% of the average salary of local employees in the previous year. If the wage income of employees is higher or lower than this range, the corresponding proportion of the local average wage of employees in the previous year shall be used as the payment base. In addition, in July each year, the social security payment base will be adjusted according to the social salary of the previous year, and the upper and lower limits of the new payment base will be determined.

Legal basis:

People's Republic of China (PRC) social insurance law

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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.