How much do individuals and companies pay for five insurances and one gold respectively?

The ratio of five insurances and one gold for individuals and companies is:

1. Endowment insurance: 20% for the unit and 8% for the individual.

2. Medical insurance: the unit needs to pay 10%, and the individual needs to bear 2%, plus ternary critical illness insurance.

3. Unemployment insurance: the proportion that the unit needs to bear is 1%, and the proportion that the individual needs to pay is 0.2%.

4. Work-related injury insurance: the unit needs to pay 1%, and the individual does not need to pay.

5. Maternity insurance: the unit needs to pay 0.8%, and the individual does not need to pay.

6. Housing accumulation fund: the contribution ratio of units and individuals is the same, ranging from 8% to 12%.

For employees, social insurance is usually said to be "five insurances and one fund", that is, endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance.

One gold: housing accumulation fund.

"Housing accumulation fund"; 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.

Provident fund: a credit loan that can be used for personal decoration or house purchase. If an individual has an existing house and the name on the real estate license is personal, he can apply for monthly withdrawal of personal provident fund.

"Five Risks":

According to the wages of employees, the proportion of units and individuals is generally: pension insurance units bear 20%, 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; Industrial injury insurance 0. 8% is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

Old-age insurance: after paying a certain number of years, you can receive a certain amount of pension on a monthly basis when you retire (60 men, 50 women and 55 female cadres, and you can retire early for special jobs), which may lead to the death of the insured.

Unemployment insurance: unit 2%, individual 1% migrant workers do not pay personal burden.

According to social security regulations, unemployed people who have paid for more than one year can receive unemployment benefits, and generally can receive unemployment benefits for at least three months.

During the period of receiving assistance, if there is any change in the individual pension insurance account, unemployment insurance will be stopped immediately.

Medical insurance: the general proportion is 65,438+00% of the unit, and additional medical 5 yuan/month is added; 2% of outpatient and hospitalization expenses and large medical expenses of individuals can be reimbursed if they are paid within a certain period of time according to the regulations of the medical insurance bureau.

At present, in most areas, it is required to pay for 25 years before you can enjoy retirement health insurance.

Work injury insurance: reimbursement of accidental injuries during work or commuting.

Maternity insurance: the proportion is 0.8% or 3%, all of which shall be borne by the unit. Only employees who have paid for more than one year can enjoy it.

Men can be reimbursed for birth control surgery or vasectomy, while women can be reimbursed for pregnancy check-up, delivery surgery and breastfeeding subsidies.

legal ground

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in the event of old age, illness, industrial injury, unemployment and maternity. 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.