What does social security include?

1. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

2. For employees, social security means "five insurances and one gold". The specific five insurances are: endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance; One gold: housing accumulation fund.

"Housing accumulation fund": the specific units and individuals each bear 50% of the proportion, calculated according to the average annual salary of individuals. The state stipulates that the housing accumulation fund shall not be less than 10% of the salary, and the units with good benefits may be higher, and the employees and units shall bear 50% respectively. Therefore, paying the housing provident fund is very cost-effective for employees!

In terms of "five risks", according to the wages of employees, the sharing ratio between units and individuals is generally: pension insurance units bear 20%, and individuals bear 8%; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit 2%, individual1%; 1% maternity insurance shall be borne by the unit; 0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

At present, the insurance expenses of enterprises are generally collected by local taxes, and the amount collected-endowment insurance: 65438+ 09% (borne by enterprises) and 8% (borne by individuals, deducted from wages; This paragraph can be included in the total wage withholding base) a total of 27% (the minimum payment base of enterprises in some areas can be calculated according to 60% of the average social wage in the previous year); The rest of the insurance is paid according to a certain proportion or quota. Enterprises to open new accounts shall apply to the local labor and social security bureau with the tax registration certificate and official seal (individual accounts, some areas are non-agricultural registered permanent residence (with ID card) or agricultural registered permanent residence individual industrial and commercial households (with business license and ID card)); Individual contributions must be paid at the designated social security bank. The premium paid shall be arranged by the government as a whole. Those who pay old-age insurance can apply for a pension when they reach retirement age and pay 15 years, regardless of whether they have a unit or not. Those who pay medical insurance can enjoy hospitalization medical insurance for serious illness before retirement (they must go to the unit/individual to open a medical insurance hospitalization contact form), and those who open a medical insurance account can also enjoy outpatient medical insurance; You can enjoy outpatient and inpatient medical insurance after retirement. Those who pay work-related injury insurance can reimburse medical expenses according to regulations, those who pay maternity insurance can enjoy maternity compensation, and those who pay unemployment benefits can receive unemployment benefits after going through the formalities during unemployment.

In short, the premium you pay now is paid to the retired, sick, work-related injuries, maternity and unemployed people through the government. When you are in the same situation or retire, you can enjoy other people's contributions from the government.

At present, China's social insurance mainly includes endowment insurance, unemployment insurance, work injury insurance, maternity insurance and medical insurance.