What conditions does the company need to pay employees five insurances and one gold?

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

After signing the labor contract, pay five insurances in accordance with the law, and pay one gold conditionally. It is not said that rural hukou pays three insurances, and all employees have to pay five insurances. If the number of units is small, the mobility is large, or the relevant licenses of enterprises are not handled, you can choose social security payment institutions such as personnel agency service centers to pay social security.

When employees apply for five insurances and one gold, they are required to provide the original and photocopy of their ID card, 1 inch white photo and personal information registration form. Employees who have paid social security in other units can fill in the social security increase form.

The company handles five insurances and one gold for employees. The company should fill in the social insurance declaration form and the provident fund declaration form, and then bring a copy of the company's business license, a copy of the organization code certificate, the bank account opening permit, the official seal, the insurance payment base of the company's employees and the above procedures prepared by the employees.

Go to the social security bureau where the company is located, first apply for the social security registration certificate of a unit, go to the bank to handle the entrusted payment procedures, and then fill out the form according to the requirements of the social security bureau to handle the "five insurances". Finally, take the above materials to the local housing provident fund collection center to handle the "one gold" procedure again.

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.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" project, which is legally necessary, and paying it also means an obligation.

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.

Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees were merged in some pilot areas, and the inspection expenses were reimbursed together with general medical expenses. The pilot period is about one year.

The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy maternity insurance benefits.

Many start-ups, in order to save costs, pay less or even no employees' five insurances and one gold, will face some risks:

According to "Social Insurance Law" and "Regulations on the Management of Housing Provident Fund", if an enterprise fails to pay social security for its employees in full and on time, it will be charged a late fee of five ten thousandths, or even a fine of more than three times the unpaid amount 1 times; Those who fail to pay the provident fund within the time limit will be fined 1 1,000 yuan to 50,000 yuan.

In reality, if employees file an arbitration or lawsuit because the enterprise fails to pay the social security accumulation fund for them normally, the loser is basically the enterprise.

References:

Baidu encyclopedia-five insurances and one gold