How long will the five insurances take effect?

Five insurances and one gold will take effect the next month after payment. 1. Endowment insurance: cumulative payment period 15. 2. Medical insurance: the accumulated payment is 10 year. Those who meet the conditions of insurance can enjoy it directly for free without continuing to pay after retirement. Should go through the insurance payment procedures within 3 months, and enjoy the medical insurance benefits for employees from the next month after going through the insurance payment procedures, failing to go through the insurance payment procedures within the specified time or continuously interrupting the payment for 3 months. 3. Maternity insurance: you must pay maternity insurance for one year, and you must be insured when you give birth to enjoy maternity allowance; 4. Unemployment insurance: you must pay for one year before you can receive unemployment benefits for one month, and you can't enjoy unemployment benefits for more than 24 months at the longest, provided that you are unemployed voluntarily. The housing accumulation fund requires continuous deposit 1 year, that is,1February, and can be collected when1March takes effect.

Legal basis:

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

Twenty-third employees should participate in the basic medical insurance for employees, and the employer and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Derivative problem:

What is the payment ratio and amount of five insurances and one gold?

The payment amount of five insurances and one gold varies from region to region, and the base is the total wages. Some enterprises pay basic wages and some related subsidies, but some enterprises only pay basic wages, which is against the law. The specific proportion should be consulted with the local labor department, and the payment ratio varies from place to place. 1. Pension insurance payment ratio: 20% for the unit and 8% for the individual. 2. The proportion of medical insurance payment: 8% for the unit and 2% for the individual+3 yuan; 3. Unemployment insurance contribution ratio: 2% for the unit and 0/%for the individual; 4. Payment ratio of work-related injury insurance: the unit pays 1% for you every month, and you don't have to pay a penny yourself; 5. Maternity insurance payment ratio: the unit pays you 1% every month, and you don't have to pay a penny yourself; 6. Housing provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the maximum shall not exceed 10% of the average wage of employees. Starting from the second half of 20 10, the city has uniformly stipulated that all employers should pay housing provident fund at 12% of their salary. Units and individuals are 65438+ 02% of salary.