What are the five insurances and one gold paid by the unit and not paid by the individual?

Five insurances and one gold are paid by individuals and companies respectively according to the corresponding proportion. The company uniformly pays employees five insurances and one gold, but the expenses of five insurances and one gold are a small part of employees' salary, and the company pays a large part.

1. Endowment insurance: 20% of the unit's contribution base and 8% of the individual's withholding base;

2. Unemployment insurance: unit contribution 1.5% base, individual withholding 0.5% base, individual migrant workers do not pay;

3. Work injury insurance: According to the nature of the unit, the withholding ratio is different. Take a wholly foreign-owned enterprise as an example, the payment is based on 1%, and individuals do not pay.

Among the five insurances and one gold, work-related injury insurance and maternity insurance are paid by the unit, and employees do not need to pay. Units should pay social insurance for employees. Social insurance includes pension, medical care, work-related injury, maternity and unemployment insurance, and units and individuals bear different proportions. Five insurances refer 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, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them. If the guarantor has signed the company, the five insurance companies must pay, but the housing provident fund is not mandatory. The payment amount of five insurances and one gold varies from region to region, and the base is the total wages. Some enterprises pay basic wages and related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department.

What is five insurances and one gold?

1, old-age insurance is for providing for the elderly, and workers can receive pensions when they reach the legal retirement age;

2. Medical insurance is used for medical reimbursement when employees are sick;

3. Unemployment insurance means that employees receive living expenses after unemployment;

4. Maternity insurance is a maternity reimbursement and related treatment for employees when they give birth;

5. Work-related injury insurance refers to the payment of medical expenses or compensation for work-related injuries for employees who have suffered work-related injuries;

6. Housing accumulation fund is a housing reform. Enterprises and employees each pay a certain amount of housing provident fund, and those who meet the extraction conditions can be withdrawn, and the purchase of commercial housing can also enjoy lower housing loan interest and reduce the burden.

Legal basis:

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

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.

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.

Do I have to pay five insurances and one gold every month?

Five insurances and one gold need to be paid according to the local payment ratio every month. Enterprises can choose to pay in cash or check at the five insurance and one gold management institution. Enterprises, banks, social security, provident fund management institutions signed a bank payment agreement, fixed time every month directly deducted from the enterprise bank account five insurance and one gold fee. Under normal circumstances, five insurances and one gold are paid every month. For convenience, some units and individuals can pay once every six months or once a year.