Why should I get a refund for paying five insurances every month?

Legal analysis: According to the laws of our country, the monthly return of social security card needs to be calculated according to the specific situation, and employees under the age of 35 are transferred to personal accounts according to 0.8% of their monthly salary base; Employees over 35 years old and under 45 years old will be transferred to personal accounts according to 1% of their monthly salary base; Employees over the age of 45 are included in personal accounts according to 2% of their monthly salary base.

Legal basis: 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.

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.