Procedures and processes for enterprises to pay "five insurances and one gold" for employees

Five insurances and one gold: medical insurance, unemployment insurance, old-age insurance, maternity insurance, industrial injury insurance and housing accumulation fund, also known as' six gold'. The cost of six gold is shared by employees and enterprises. Not all enterprises share these six funds with employees. Some enterprises are four gold, and some are hardware, which are formulated by enterprises according to their own benefits and actual conditions. Employees' salaries are generally paid on a monthly basis, and six gold fees are generally paid on a monthly basis. General enterprises will pay six gold fees according to the salary of employees. Enterprises with good benefits are also based on employee bonuses. In this way, the base is large, individuals pay more, enterprises share more expenses, and enjoy more benefits in the future. Medical insurance: unit 6%, individual 2%. At present, in most areas, it is stipulated that you can enjoy retirement medical insurance after paying for 25 years. Unemployment insurance: 2% for the unit and 1% for the individual. Migrant workers do not pay personal burden. Social security regulations: unemployed people who have paid for more than one year can receive unemployment benefits, and generally they 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. Old-age insurance: payment to retirement, pension to death. The unit bears 20% and the individual bears 8%. The retirement age of workers in China: 60 years old for men, 50 years old for women and 55 years old for female cadres. Special jobs can be retired early. Maternity insurance: 1% of the expenses incurred shall be paid by the unit. Only employees who have paid for more than one year can enjoy the treatment. Men can be reimbursed for birth control surgery or vasectomy, while women can be reimbursed for pregnancy check-up, delivery surgery and lactation allowance. Industrial injury insurance: accident insurance during work or commuting. 0.8% of the expenses incurred as expenses shall be borne by the unit. Housing accumulation fund: it is a kind of credit loan, which can be used when individuals buy houses or decorate. If an individual has a house and the name of the real estate license is also an individual, then you can apply for monthly withdrawal of personal provident fund. The payment shall be no less than 10% of the salary, with half for individuals and half for enterprises.