Do five insurances and one gold count as wage income?

The salary income of employees actually includes five insurances and one gold, which is the so-called salary payable. 1, the more individuals pay, the more investment the unit will give you. 2. Paying social security accumulation fund is tax-free, and personal income tax is not deducted when paying. Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

Five insurances and one gold are part of personal income, so they are included in the salary.

I am also used to looking at the total income and expenditure of wages, including five insurances and one gold.

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. Among them, old-age insurance, medical insurance and unemployment insurance are all premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them. Paying social insurance is a compulsory requirement of the state, and you can't pay it if you want. Please note that the national documents all say payment, which means that payment is compulsory, which is different from payment. If you don't pay, you will be punished accordingly. Regarding the provident fund, it depends on the benefits of enterprises. If the benefit is not good, you can determine the proportion yourself, which does not belong to the category of social insurance.

The individual's share needs to be deducted from the individual's salary by the enterprise.

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

"Five insurances and one gold" include medical insurance, endowment insurance, maternity insurance, industrial injury insurance, unemployment insurance and housing accumulation fund. Next, let's look at it one by one.

(1) Endowment insurance: At present, the contribution ratio of endowment insurance is 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account).

(2) Medical insurance: medical insurance payment ratio: unit 7%, individual 2%+3 yuan (3 yuan is a critical illness insurance).

(3) Unemployment insurance: Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual.

(4) Work injury insurance: the unit pays 0.5% for you every month, and you don't have to pay any money yourself; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit, which is between 0.5% and 2%.

(5) Maternity insurance: the unit pays 0.8% for you every month, and you don't have to pay any money yourself.

(VI) Housing provident fund: the proportion of housing provident fund deposit: according to the actual situation of the enterprise, choose the proportion of housing provident fund deposit. But in principle, the maximum shall not exceed 10% of the average wage of employees. But in the actual operation process, there are the following situations (unit 12%, individual12%/10%; Unit 10%, individual 10%/8%/6%)

I hope the above content can help you. If in doubt, please consult a professional lawyer.

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.

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.