Proportion of five insurances and one gold payment in Changsha in 2022

Endowment insurance: 20% for units and 8% for individuals; Medical insurance: unit 8%, individual 2%+3 yuan; Unemployment insurance: unit 2%, individual1%; Work-related injury insurance: unit 1%, not paid by itself; Maternity insurance: unit 1%, not paid by itself; Deposit ratio of provident fund: the deposit ratio of housing provident fund shall be selected according to the actual situation of the enterprise, but in principle, it shall not exceed 10% of the average wage of employees.

Payment base: if the monthly salary of employees is lower than 60% of the average monthly salary of employees in the whole province in the previous year, the individual payment base will be approved by 60%; More than 300%, according to 300% approved individual payment base. When the sum of individual payment bases is greater than the total wages of all employees of the employer, the sum of individual payment bases shall be taken as the unit payment base. It is determined that the monthly payment base value of basic medical insurance and maternity insurance for urban workers in Hunan Province in 20021year is 5460 yuan, and the upper limit of monthly payment base is 16380 yuan and the lower limit is 3276 yuan.

Five insurances and one gold are compulsory by the state. Based on the average monthly salary of an individual in the previous year, companies and individuals pay according to a certain proportion, so everyone's five insurances and one gold are different. In addition, it may be slightly different from place to place.

The five risks include:

Endowment insurance: 8% for individuals and 22% for units;

Medical insurance: individuals pay 2%, and units pay10%;

Unemployment insurance: individuals pay 1%, and units pay 2%;

Industrial injury insurance and maternity insurance: only paid by the employer, and individuals do not need to pay.

One gold includes:

Housing accumulation fund: individuals and units pay in the same proportion, and the proportion is 5- 12%, which is determined by the employer.

The role of five insurances and one gold

1, old-age insurance is for providing for the elderly, and workers can receive pensions when they reach the legal retirement age;

2. Medical insurance is used for medical reimbursement when employees are sick;

3. Unemployment insurance means that employees receive living expenses after unemployment;

4. Maternity insurance is a maternity reimbursement and related treatment for employees when they give birth;

5. Work-related injury insurance refers to the payment of medical expenses or compensation for work-related injuries for employees who have suffered work-related injuries;

6. Housing accumulation fund is a housing reform. Enterprises and employees each pay a certain amount of housing provident fund, and those who meet the extraction conditions can be withdrawn, or they can enjoy lower housing loan interest when buying commercial housing, thus reducing the economic burden of employees.

The payment base of five insurances and one gold is based on the total wages, and the regulations on the payment amount are different in different regions.

Legal basis:

Article 58 of the Social Insurance Law of People's Republic of China (PRC), 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.