What does "five insurances and one gold" generally mean? What is the percentage given by the general company?

1, definition of "four gold" payment base

Generally, the four gold base is the monthly salary, but if the salary is high (for example, more than three times the average monthly salary in your city last year), then the base is at the top. And if the salary is particularly low (for example, lower than 60% of the average monthly salary in your city last year), the base will also have a back cover.

Take the situation in Shanghai in 2004 as an example. In 2003, the average monthly social wage was 1847 yuan. If your monthly salary exceeds 1847*3=554 1 yuan. Then the cardinal number of four gold is 554 1 yuan; If your monthly salary is less than1847 * 60% = 1 108.2 yuan, then the four gold bases are1108.2 yuan. If the salary is between 1 108.2 and 554 1 yuan, the base is your salary.

2, "four gold" payment ratio

Proportion of four contributions: individual contribution and company contribution.

Endowment insurance: base *8%+ base *22% (it seems that this ratio has been changed recently)

Medical insurance premium: base *2%+ base * 12%.

Unemployment insurance: base * 1%+ base *2%

Housing accumulation fund: base *7%+ base *7%

Among them, the individual pays the left part, that is, 8%+2%+ 1%+7%= 18%, and the company pays the right part, that is, 22%+12%+7% = 43%.

That is to say, after deducting the four gold, the salary is: X= workers' salary-base *18%; The total capital contributed by the company is Y= workers' salary+base *43%.

According to national regulations, enterprises should now pay "five insurances and one gold" for their employees:

Endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund.

If you are an on-the-job employee, the company will pay for you, and the payment standard is:

Endowment insurance:

The company pays 20% and the individual pays 8%, of which 8% goes into the personal account.

Medical insurance:

The company pays 8% or 9%, and the individual pays 2%, of which 2.8% enters the personal medical insurance card (once a month).

Unemployment insurance:

Units pay 1.5%, and individuals pay 0.5% for employees to receive unemployment benefits in society when they are unemployed.

Industrial injury insurance and maternity insurance increased by 1% and 0.8% respectively. Some local units pay in full, and some places deduct employees 1 yuan every month, and claim compensation from insurance companies when work-related injuries occur. Maternity insurance is the expenses incurred by female employees when they give birth, which shall be borne by the social security department.

Housing accumulation fund: the unit pays 8% and the individual pays 8%, all of which are credited to the personal account, which can be withdrawn when buying a house or used as a house purchase loan with low interest.

If it is a flexible employee, there are only two kinds of social security: endowment insurance and medical insurance.

Handle it like this:

Endowment insurance: Bring my ID card, unemployment certificate and two 1 inch photos to the business window of the local social security center.

Medical insurance: After completing the formalities of endowment insurance, go to the business window of the local medical insurance center with the above materials and the newly filled endowment insurance manual.

After that, according to the requirements, you can pay the fee on schedule.

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