Nantong five insurance and one gold payment ratio

The proportion of units and individuals paying five insurances and one gold in Nantong is as follows: endowment insurance: units pay 14% and individuals pay 8%; Medical insurance: the unit pays 2% and the individual pays 2%; Unemployment insurance: the unit pays 2%, and the individual pays 1% (farmers do not pay); Maternity insurance: the proportion paid by units and individuals does not bear any expenses; Industrial injury insurance: the proportion paid by units and individuals does not bear any expenses.

Everyone must know the benefits of handling five insurances and one gold. When employees work in the company, the company must handle five insurances and one gold for employees. This is the basic welfare of the company, and it is also compulsory by the state. How much is the proportion of five insurances and one gold paid by Nantong units and individuals? Bian Xiao will answer this question for you below, hoping to help you.

1. What is the proportion of Nantong's five insurances and one gold paid by each unit and individual?

The payment ratio of five insurances and one gold consists of the unit payment ratio and the individual payment ratio. The specific payment ratio of Nantong five insurances and one gold shall be borne by all units and individuals as follows:

Endowment insurance: unit contribution ratio 14%, individual contribution ratio 8%.

Medical insurance: the proportion of unit contribution and individual contribution is 2%.

Unemployment insurance: the unit pays 2%, and the individual pays 1% (farmers do not pay).

Maternity insurance: the unit pays the proportion, and the individual does not bear any expenses.

Industrial injury insurance: the unit pays the proportion, and the individual does not bear any expenses.

Housing accumulation fund: units pay 5%- 12%, individuals pay 5%- 12%, and employees in the same unit use the same proportion.

2. When can I use five insurances and one gold?

Pension insurance can be paid before retirement 15 years later. After 6 months of medical payment, you can enjoy hospitalization reimbursement, and the amount in the daily social security card can be used in outpatient clinics or pharmacies. Maternity, work-related injury and unemployment can enjoy treatment after paying for one year.

Provident fund: in line with local policies, you can apply for a loan after 6- 12 months of deposit to ease the pressure on your own mortgage; After leaving the company, you can withdraw the personal account amount in part or by closing the account according to your own situation.

Social insurance law

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Third, the role of five insurances and one gold.

Five insurances and one gold refer to unemployment insurance, maternity insurance, endowment insurance, medical insurance, industrial injury insurance and housing accumulation fund.

1, unemployment insurance: once you leave your job, you can apply for an unemployment certificate with your resignation certificate and receive unemployment insurance for two years; Unemployment benefits that can be received during unemployment.

2, maternity insurance: after having a baby, you can reimburse a part.

3. Old-age insurance: you can enjoy a monthly pension when you retire.

4. Medical insurance: you can enjoy the treatment of reimbursement of medical expenses in proportion to reduce your economic burden.

5. Work-related injury insurance: accidents caused by some force majeure factors can reduce our burden and protect ourselves.

6. Housing accumulation fund: it can be used for buying a house or decorating.

The proportion of units and individuals paying five insurances and one gold in Nantong is as shown above. Five insurances and one gold have their own functions. As an employee's welfare during working in the company, it is mandatory by the state. If the enterprise fails to handle five insurances and one fund for employees, employees can complain to the relevant departments and fight for their legitimate rights and interests.