Is it necessary to pay social security? What are five insurances and one gold?

Is it necessary to pay social security? What are five insurances and one gold?

1. Is it necessary to pay social security?

Then why do you really have to pay five insurances and one gold?

There are two reasons:

1, migrant workers who are not in bonus hunter are not good migrant workers;

2. Five insurances and one gold can be said to be a large welfare treatment for migrant workers guaranteed by the state.

Don't think that you are the only one to pay these five insurances and one gold. You give part, the unit gives part.

And the company has to make great contributions, and only more than you!

If Xiao Chen works in Guangzhou, his salary is1w.

If you deduct his five insurances and one gold per month in his early 2000s (10000x22.2%=2220),

The company will pay nearly 3500 yuan (10000x33.35%=3335)!

In addition, it also protects all aspects of our lives, from drug reimbursement to retirement.

2. What do you mean by five insurances and one gold?

Five insurances and one gold are actually the social security and provident fund paid by office workers.

Among them, the five insurances include medical insurance, pension, maternity, unemployment and work injury.

1, medical insurance

Medical insurance, used to reimburse medical expenses.

And medical insurance can guarantee basic medical needs.

As long as the expenses are in the three major directories, they can be reimbursed. If it is a serious illness, it can be reimbursed for the second time.

Moreover, medical insurance does not mean to live to the old age and pay for it yourself. As long as you pay a certain number of years, you can enjoy medical insurance benefits for life.

2. Endowment insurance

What can give a pension after retirement is endowment insurance.

As long as you are alive, you can get a sum of money every month when you retire, as long as you pay 15 years.

If you want to get more money after retirement, I can also give you some suggestions:

Pay longer time, pay more money and retire in developed cities as much as possible. Therefore, people who want to live a more nourishing life after retirement can make plans as early as possible.

3. Unemployment insurance

Let's look at unemployment insurance again. This thing should be the insurance that most people think is chicken ribs, and it is useless to pay money.

But if the company is really fired or closed down, you can also apply for unemployment benefits and get a sum of money.

For example, in Shenzhen, you can get 2 124 yuan in one month and 24 months at the longest, and you can also make a transition to unemployment.

4. Maternity insurance and industrial injury insurance

Maternity insurance and industrial injury insurance are put together because they don't cost a penny, and the company will cover them all for you.

Let's start with maternity insurance. It has two biggest uses: reimbursement of medical expenses for production and maternity allowance.

Maternity medical expenses, that is, the expenses related to birth check-up, operation and hospitalization, can be reimbursed.

Overreporting is fully reimbursed in medical insurance, and underreporting is also thousands!

To pay maternity allowance, simply put, the company will pay you as usual during maternity leave.

But this salary is calculated according to the average salary of the company last year:

(Maternity allowance = average salary of employees and employers in the previous year /30x maternity leave days) is entered on the screen.

For example, the average salary of Xiao Wang's unit last year was 10 thousand, and she took 98 days of maternity leave.

You can get a maternity allowance of 32,667 yuan. If you can't get it, you won't lose much.

Maternity insurance is generally paid 6- 12 months before giving birth.

As long as you pay social security for one month, you can enjoy maternity insurance next month.

If you want to know how long it will take, you can call the local social security bureau at 12333.

Industrial injury insurance is also easy to understand, that is, industrial injury compensation.

For example, there was an accident on the way to and from work, and serious occupational diseases appeared at work.

As long as it's not your own responsibility, the doctor can be reimbursed, and if you stop working, the unit will pay us.

If you are unfortunately disabled and die, you can also get a large amount of compensation.

5. Reserve fund

It can be said that it is an artifact to buy a house!

When you pay, you should pay 1: 1 with the company, that is, you should pay 1000, and the company should also pay 1000.

Use it to buy a house, it's all yours, and the interest is lower and the repayment is cheaper!

If you borrow 6,543,800 yuan, you can pay it back in 30 years.

The commercial loan should be repaid about 2.05 million yuan, and the provident fund loan only needs about 1.57 million yuan.

"If you don't want to buy a house, isn't it useless to pay it?" .

That's not true. In addition to loans to buy a house, the provident fund can also be taken out to pay rent.