What are the contents of five insurances and one gold?

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance;

"One gold" refers to the housing accumulation fund.

Among them, old-age insurance, medical insurance and unemployment insurance are premiums paid jointly by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees.

First, the proportion of provident fund deposit.

The proportion of housing provident fund paid by financial allocation units, state-owned enterprises and state-holding enterprises shall not be higher than 12%, and the part paid by other units above 12% shall be taxed according to the provisions of national tax policies. Housing provident fund deposit ratio shall not be less than 6%.

Second, the proportion of social security contributions.

Social insurance in Chengdu mainly includes endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance. The insured person's identity is different, and the participation ratio is different. At the same time, the payment ratio of each insurance type is different, as follows:

(1) endowment insurance:

1, urban workers: 20% paid by units and 8% paid by individuals;

2. Employees registered in the original city: the unit pays 12%, and the individual pays 8%;

3. Non-Chengdu rural household registration personnel: the unit pays 12%, and the individual pays 8%.

(2) Medical insurance:

1, urban workers: 6.5% paid by units and 2% paid by individuals;

2, the original comprehensive insurance registered employees in this city: the unit pays 6.5%, and the individual pays 2%;

3. Non-Chengdu rural household registration personnel: the unit pays 2.5%, and the individual does not pay.

(3) Maternity insurance: the unit pays 0.6%, and the individual does not.

(4) Unemployment insurance: the unit pays 2% and the individual pays 1%.

(5) Industrial injury insurance: 0.6% for Class I industry, 1.2% for Class II industry and 2% for Class III industry.

(six) supplementary medical insurance for serious illness:

1, urban workers: unit pays 1%, and individuals do not pay;

2. Employees of the original comprehensive insurance registered in this city: the unit pays 1%, and the individual does not pay;

3. Non-Chengdu rural household registration personnel: voluntary payment.

Third, the role of five insurances and one gold:

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and if you deposit it in the bank, there will be interest tax.

3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death. With the improvement of social living standards, it will only increase rather than decrease, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life.

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.

5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the maternity insurance premium is entirely borne by the unit.

6. Payment of unemployment insurance benefits You can get unemployment insurance benefits and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.

7. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit.

8. Paying the housing provident fund is equivalent to the unit depositing a tax-free income in proportion to you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans.

9. After the implementation of the unified account pension insurance payment system, the actual payment period of social insurance has become the most convincing proof of the length of service of enterprises. There are more and more times when social security payment certificates are needed, such as proving social services to confirm the days of paid annual leave, for example, loans need to be paid in local social security for more than one year when real estate is regulated, and so on.

10, don't worry too much about inflation or currency depreciation, because the pension benefits are composed of two parts, and the personal account pension is completely formed by individual contributions. This branch has the same inflation risk as bank deposits; However, the basic pension is linked to the local social average wage and the individual indexed average wage, which is itself anti-inflation; And after retirement, it will increase capital every year with the local economic level. The more you pay, the longer you pay, and the higher the level of pension benefits after retirement.

Legal basis:

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

Tenth employees should participate in the basic old-age insurance, the basic old-age insurance premiums paid by the employer and employees.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Twenty-third employees should participate in the basic medical insurance for employees, and the employer and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 33 Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, while employees shall not pay the work-related injury insurance premium.

Article 44 Employees shall participate in unemployment insurance, and employers and employees shall jointly pay unemployment insurance premiums in accordance with state regulations.

Fifty-third employees should participate in maternity insurance, the employer should pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.

Regulations on the administration of housing provident fund

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.