How to pay five insurances and one gold is more cost-effective.

Five insurances and one gold refer to several kinds of security benefits provided by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. Below I will sort out the calculation, skills and precautions in the payment process of "five insurances and one gold" for everyone.

Calculation of "five insurances and one gold"

Monthly payment for five insurances and one gold = payment base × payment ratio

The proportion of five insurances and one gold usually appears as a percentage. For example, endowment insurance: the unit pays 22% and the individual pays 8%; Medical insurance: the unit pays 7% and the individual pays 2%. Generally speaking, the payment base of five insurances and one gold is the monthly salary, but if the salary is high (for example, more than three times the average monthly salary of your city last year), the base is at the top, and if the salary is particularly low (for example, less than 60% of the average monthly salary of your city last year), the base will also have a back cover.

Special reminder: the payment ratio of five insurances and one gold and the payment base of five insurances and one gold are not uniform throughout the country. The standards in every place are different, and there will be corresponding changes every year. Specifically, the data published by the local human resources and social security bureau and the housing provident fund management center shall prevail. The following city data are for reference only!

Payment skills of "five insurances and one gold"

1. The more you pay for old-age insurance, the more you will benefit.

At present, China's old-age insurance system takes "basic old-age insurance for employees" as the core. That is, after deducting a sum of money from salary every month and reaching the legal retirement age (60 for men and 50 for women), you can receive a pension from the social security system. The state will adjust the pension through its price and overall level. The more you pay, the longer it takes, and the more you get.

2, medical insurance payment must comply with the provisions of the state.

According to the provisions of Article 27 of the Social Insurance Law, if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment has reached the number of years stipulated by the state, he will not 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.