What are the general reasons for unit endowment insurance? The unit only paid four insurances, but did not pay endowment insurance. Is the policy allowed?

Although the Labor Contract Law and the newly promulgated Social Insurance Law have made it clear that employers should pay social insurance for employees, including pension, work injury, medical care, unemployment and maternity insurance.

However, it is clear in the Interpretation Rules that all localities can formulate social insurance laws and policies suitable for their own regions according to local actual conditions.

For a practical example, a city in Nanjing has six social security systems: in addition to the municipal social security in Nanjing, there is an independent county-level social security system in the former Liuhe County of Liuhe District, the former Jiangpu County of Pukou District, Gaochun County, Lishui County and Jiangning District. Among them, Liuhe District Social Security recognized the units that did not fill in the medical insurance in the original labor security registration certificate. That is to say, in the social security of Liuhe District, if there is no medical insurance on the original labor security registration certificate of a unit, the unit only needs to pay four insurances as long as it is not cancelled or reissued.

In other words, all localities have the right to formulate their own law enforcement policies. Generally speaking, provincial and prefecture-level social security needs five insurances, but generally in district-level social security, for various reasons, five insurances are not needed.

Personal suggestion: first of all, we should know whether the unit pays social security to employees in the name of individuals or units. The former is illegal and the latter is legal.

Second, if you pay in the name of the unit, you can go to the nearest social security agency to consult whether this social security is compulsory. If it is compulsory, you can complain to the local county-level labor inspection.

Third, if the unit pays social security in line with local policies and regulations, there is basically no hope of safeguarding rights, and it can only be reflected to social security institutions and their superior institutions, and strive to revise local social security policies as soon as possible.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.