The influence of five insurances and no gold on individuals

The influence of five insurances and no gold on individuals

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. The following is personal influence with no five risks and no one risk. I have carefully sorted it out. I hope it helps you!

What is the impact of five insurances and no gold on individuals?

The influence of having five insurances and no gold on individuals is mainly reflected in "one gold", because for property buyers, provident fund loans are more economical than commercial loans.

Insurance financial experts said that as a policy loan, the most striking feature of individual housing provident fund loans is the low interest rate, and with the extension of the loan period, this interest difference will further widen. Therefore, when buying a house, it is best to use the loan amount available in your provident fund account as much as possible.

In addition, few people know that there is no interest tax on the money deposited in the provident fund account. Under the current interest rate stipulated by the state, it is definitely more cost-effective to deposit money in the provident fund account than to deposit it in the bank for one year at a time and one year at a time. According to a person from the provident fund management center, the provident fund is fixed once a year in July, and the balance of more than one year is converted into a three-month period. In addition, interest is not deducted from personal income tax, so it is indeed higher than bank deposit interest. Therefore, if it is not urgent, it is absolutely labor-saving and cost-effective to deposit money in the provident fund, and it is also a considerable "pension" to take it out after retirement.

The above is an introduction to the related issues of "five risks and no gold". If in doubt, please consult the local housing provident fund management center or social security bureau and other relevant departments.

deal with

(1) social security and provident fund account opening

Enterprises need to open accounts for social security and provident fund at the Social Security Bureau and the Provident Fund Center within 30 days from the date of establishment. After opening a social security account, you will get the social security registration certificate, and after opening a provident fund account, you will get the unit provident fund registration number.

(2) Increase or decrease personnel

Every month, the company will add new employees to the company's five insurance and one gold account and delete employees who have left the company from the account. Social security and provident fund accounts are two independent accounts, and the operation of increasing or decreasing employees must be carried out in two accounts.

(3) Confirm the payment base

The unit needs to declare the correct payment base of five insurances and one gold for employees every month to ensure the normal payment of five insurances and one gold. The payment base of five insurances and one gold is the average salary of employees in the previous year or the salary in the first month of employment.

(4) Five insurances and one gold payment

Enterprises, banks, social security/provident fund management institutions sign bank payment agreements, and directly deduct five insurances and one gold fee from the enterprise bank account at a fixed time every month. Of course, enterprises can also choose cash or check to pay at the site of the five insurance and one gold management institution.

Policy express

1. maternity and medical insurance pilots will be merged to improve the treatment in some areas.

2065438+February 2007, the "Pilot Program for the Implementation of the Combination of Maternity Insurance and Employee Basic Medical Insurance" issued by the General Office of the State Council was announced, which will be carried out in Handan City, Hebei Province, Jinzhong City, Shanxi Province, Shenyang City, Liaoning Province, Taizhou City, Jiangsu Province, Hefei City, Henan Province, Weihai City, Zhengzhou City, Yueyang City, Hunan Province, Zhuhai City, Chongqing City, Neijiang City, Sichuan Province and Kunming City, Yunnan Province.

On 20 17, the pilot will be started before the end of June, and the pilot period will be about one year. Some places have introduced specific implementation plans for the combined implementation of maternity and medical insurance.

2. You can use the function of National Social Security Card 102.

According to relevant information from Ministry of Human Resources and Social Security, all the functions of 102 of social security card will be opened at the end of 20 17. Social security cards can directly handle various personal and social affairs across businesses and regions, and open the integrated application of various government services, basically realizing the national social security card.

At that time, the social security card can not only be used to see a doctor and buy medicine, but also receive various social security benefits such as pension and unemployment benefits, and can be used as a bank card.

Moreover, in 20 17, the third generation social security card will be piloted in some places, and the contactless function of "passing by" will be added, and the application scenarios will be wider. It can be said that in the future, I will not be afraid to travel around China with my social security card in my hand.

3. Before the end of June, start the transfer platform of provident fund in different places to realize "accounts go with people and money goes with accounts".

It is reported that the Ministry of Housing and Urban-Rural Development is accelerating the construction of a national housing provident fund transfer and connection platform, which will be launched before the end of June to realize "accounts go with people and money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the funding needs of paid employees for cross-regional housing purchases.

After the opening of the platform, housing provident fund management centers across the country can handle the transfer and connection of housing provident fund in different places for employees who are employed across provinces on the platform. In the future, employees who are employed across provinces and cities will apply for the transfer of housing provident fund in different places without going back and forth, as long as they are transferred to the place.

differentiate

1. What is social insurance?

Social insurance is a system enforced by the state through legislation to ensure that workers get basic living security in the case of old age, unemployment, illness, work injury and other incapacity. Including basic old-age insurance, unemployment insurance, medical insurance, industrial injury insurance, maternity insurance for female employees and rural old-age insurance.

2. What is the difference between social insurance and commercial insurance?

(1) properties are different. Social insurance is based on the national constitution, basic social policies and labor policies, and is implemented through national or local legislation. Commercial insurance is an aspect of national economic activities, and it is a business activity carried out by people's insurance companies by economic means. This commercial activity is realized by the insurer and the insured signing a contract on a voluntary basis.

(2) The objects and functions of insurance are different. Social insurance targets workers and their immediate family members, and its function is to ensure the basic life of workers when they lose their ability to work and their jobs. This kind of protection is conducive to maintaining social equity and social stability. Commercial insurance takes the insured natural person as the insured object, and its function is to give the insured certain economic compensation according to the contract.

(3) Different levels of treatment. Social insurance starts from ensuring basic life and stabilizing society, and focuses on long-term basic life. The level of security is gradually improved with the rise of prices and the improvement of social production level. Commercial insurance only pays attention to one-time economic compensation, and the determination of compensation level only considers the insured's compensation amount, without considering other factors.

(4) Different management systems. The management system of social insurance is based on the functional departments of governments at all levels in charge of social insurance and their affiliated social insurance institutions. In order to realize the right of workers to enjoy social insurance benefits given by law, the social insurance affairs of workers are managed in a unified way. The management system of commercial insurance is the independent operation of all economic entities, and its management work revolves around the strict performance of insurance contracts.

(5) Different types of legislation. Social insurance is one of the basic rights of workers stipulated by the state, and it is also the obligation of the state to workers, which belongs to the scope of labor legislation. Commercial insurance is a kind of financial activity, and the rights of both parties to the insurance contract are protected by the economic contract law, which belongs to the category of economic legislation.

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