Are there five insurances and one gold in your career?

Institutions have to pay five insurances and one gold. Institutions, private non-enterprise units, social organizations and other organizations in China should pay five insurances and one gold for their employees according to law to ensure that their employees can get material help from the state and society in cases of old age, illness and work injury.

The State Council's Decision on the Reform of the Old-age Insurance System for Staff in Government Offices and Institutions (Guo Fa [2015] No.2) came into effect on June 14, 2004, which clarified the scope of the reform of the old-age insurance for government offices and institutions and the proportion of units and staff to pay the old-age insurance. That is, starting from 20 14, 10, 1, the staff of government agencies and institutions, like enterprises, have to pay endowment insurance.

The proportion of five insurances and one gold is different in different regions, state-owned enterprises and private enterprises.

1, the basic old-age insurance premiums of government agencies and institutions shall be shared by units and individuals. The proportion of the unit paying the basic old-age insurance premium (hereinafter referred to as the unit payment) is 20% of the total salary of the unit, and the proportion of the individual paying the basic old-age insurance premium (hereinafter referred to as the individual payment) is 8% of the salary paid by himself, which is withheld and remitted by the unit.

According to the comprehensive plan to reduce the social insurance premium rate, the unit contribution rate of basic old-age insurance will be reduced to 1 6% from May 20 19/day.

2, medical insurance and unemployment insurance, also take the proportion of units and individuals to pay. In general, medical insurance is 0/0% for the unit and 2% for the individual. Unemployment insurance units pay 1%, and individuals pay 0.2%.

Work injury insurance and maternity insurance are only paid by the unit, and individuals do not need to pay. Work-related injury insurance units pay 0.5%; Maternity insurance units pay 0.8%.

3. Housing accumulation fund. Nationally, the highest deposit ratio of housing provident fund is 12%. Units and individuals pay 65438+ 0.2% of a certain salary base.

Article 8 of the State Council's Decision on the Reform of the Old-age Insurance System for Staff in Government Offices and Institutions stipulates that government offices and institutions shall establish occupational annuities for their staff on the basis of participating in the basic old-age insurance. The unit pays 8% of the total wages of the unit, and the individual pays 4% of the wages paid by himself.

Institutions and institutions began to pay the so-called five insurances and one gold after June 20 14 and 10. Of course, most business people have five insurances and two gold, not just five insurances and one gold, because they also have supplementary old-age insurance, and some units even have supplementary medical insurance, which is called six insurances and two gold.

At the earliest, the corresponding social security system was established from 1992, that is, the basic old-age insurance was paid from then on. Of course, the payment time of this medical insurance is relatively late, and it was gradually implemented at 200 1, so it was gradually improved from 200 1, and the relevant treatment of five insurances and one gold was implemented. Then compared with the organization, it is still nearly 10 years early.

Is there a difference between the two? Strictly speaking, there is little difference, because they all belong to the category of employee pension insurance and employee medical insurance. Even industrial injury insurance, maternity insurance and unemployment insurance are completely consistent. As long as they meet the corresponding conditions, they can all enjoy it, and there is no difference in related welfare benefits. Of course, there is no difference in housing provident fund, which belongs to the same category. In the process of buying a house, they can still enjoy the housing provident fund.

In fact, there are still some differences in terms of appellation. Whether it is the staff of government institutions or civil servants, the relevant social security they pay belongs to employee pension insurance, such as pension insurance, which is called government pension insurance and medical insurance. They are called government medical insurance. But in our enterprise, the names here are employee pension insurance and employee medical insurance, so there are certain differences in teaching methods.

But strictly speaking, there is no obvious difference between the two. If you want to transfer the social security relationship to an enterprise after resigning from a public institution, the accumulated payment period between them, including the social security relationship, can be transferred normally, and employment in a public institution before September 20 14 can also be normally recognized as the same payment period. In the end, it will be calculated normally according to the current calculation method of enterprise transitional pension, so there is no essential difference between enterprises and institutions participating in this social security.

For us personally, then we just need to ensure a normal continuous payment, and then we can finally enjoy a maximized pension, including our own retirement medical insurance benefits. Then this is exactly the same, except that in the process of choosing insurance payment, institutions may pay social security benefits in strict accordance with their actual wages. On the other hand, there may be few enterprises that pay social security strictly according to their own income, so it is said.

Legal basis:

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

Article 2 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 receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask 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.

Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.

The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance.

The state supports social insurance through preferential tax policies.

Article 6 The State exercises strict supervision over social insurance funds.

The State Council and the people's governments of provinces, autonomous regions and municipalities directly under the Central Government shall establish and improve the supervision and management system of social insurance funds to ensure the safe and effective operation of social insurance funds.

People's governments at or above the county level shall take measures to encourage and support all sectors of society to participate in the supervision of social insurance funds.

Article 7 The administrative department of social insurance in the State Council is responsible for the management of social insurance throughout the country, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties.

The social insurance administrative department of the local people's government at or above the county level shall be responsible for the social insurance management within its administrative area, and other relevant departments of the local people's government at or above the county level shall be responsible for the relevant social insurance work within their respective functions and duties.

Eighth social insurance agencies to provide social insurance services, responsible for social insurance registration, personal rights and interests records, social insurance benefits payment and other work.

Regulations on personnel management of public institutions

Thirty-fifth institutions and their staff shall participate in social insurance according to law, and staff shall enjoy social insurance benefits according to law.