What is the ratio of five insurances and one gold to total wages?

One, five insurance and one gold account for 40% to 50% of the total salary. The specific proportion of five insurances and one gold is as follows:

1, the contribution rate of pension insurance units is 20%, and the individual contribution rate is 8%;

2, the medical insurance unit payment ratio is 8%, the individual payment ratio is 2%;

3. The contribution rate of industrial injury insurance units is 0.2%, and individuals do not pay;

4, maternity insurance unit payment ratio is 0.8%, individuals do not pay;

5. Unemployment insurance unit contribution rate 1%, individual contribution rate1%;

6. The contribution ratio of housing provident fund units and individuals is 12% respectively.

Second, for employees, social insurance is now commonly known as "five insurances and one fund", namely, endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance.

One gold: housing accumulation fund.

1, "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.

2. Provident fund: a credit loan that can be used when individuals decorate or buy a house. If an individual already has a house, and the name on the real estate license is also an individual, he can apply for monthly withdrawal of personal provident fund.

V. "Five risks": According to the wages of employees, the proportion of units and individuals is generally: 20% for pension insurance units and 8% for individuals; 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.

3. 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 (male 60, female 50, female cadre 55, special jobs can be retired early), which can lead to the death of the insured.

4. Unemployment insurance: 2% for employers and 0% for individual migrant workers.

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.

5. Medical insurance: the general proportion is 10%, and the additional medical 5 yuan/month is increased; 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.

6. 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 basis:

People's Republic of China (PRC) social insurance law

second

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require 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.