Job Recruitment Website - Social security inquiry - Don't all employees of insurance companies have five insurances and one gold?
Don't all employees of insurance companies have five insurances and one gold?
Employees of an insurance company refer to those who sign labor contracts.
Employees who do not belong to insurance companies who sign agency contracts are marketers, that is, agents.
They have no labor relationship with the insurance company, but an agency relationship, and the insurance company does not have to buy five insurances and one gold for the agent.
Many start-ups, in order to save costs, pay less or even no employees' five insurances and one gold, will face some risks:
According to "Social Insurance Law" and "Regulations on the Management of Housing Provident Fund", if an enterprise fails to pay social security for its employees in full and on time, it will be charged a late fee of five ten thousandths, or even a fine of more than three times the unpaid amount 1 times; Those who fail to pay the provident fund within the time limit will be fined 1 1,000 yuan to 50,000 yuan.
In reality, if employees file an arbitration or lawsuit because the enterprise fails to pay the social security accumulation fund for them normally, the loser is basically the enterprise.
Extended data:
People's Republic of China (PRC) social insurance law
Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.
Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.
Chapter II Basic Endowment Insurance
Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.
Chapter III Basic Medical Insurance
Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Chapter IV Industrial Injury Insurance
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.
Chapter V Unemployment Insurance
Forty-fourth employees should participate in unemployment insurance, and employers and employees should pay unemployment insurance premiums in accordance with state regulations.
Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.
Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.
Sixty-first social insurance fee collection agencies shall collect social insurance premiums in full and on time according to law, and regularly inform employers and individuals of the payment situation.
Article 62 If the employer fails to declare the amount of social insurance premiums that should be paid according to the regulations, the amount that should be paid shall be determined according to 1 10% of the amount paid by the employer last month; After the payment unit completes the declaration procedures, the social insurance fee collection agency shall make settlement in accordance with the provisions.
Article 63 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.
If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.
If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, so as to offset the social insurance premium with the proceeds from the auction.
Baidu Encyclopedia: People's Republic of China (PRC) Social Insurance Law
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