How much is the social security five insurance and two gold?

Enterprise annuity is a new type of insurance introduced in Ministry of Human Resources and Social Security, China, which is a supplement to the old-age insurance. Conditional enterprises can insure their employees. After the introduction of enterprise annuity, the original five insurances and one gold became five insurances and two gold. How much is five insurances and two gold? Let me answer for the reader.

1. How much do I need to pay for five insurances and two gold?

Five insurances and two gold are paid according to a certain proportion, and how much money needs to be paid is generally determined according to the wages of workers, and there is no specific amount.

Proportion of five insurances and two payments:

1, the individual pays 8% of the endowment insurance, and the unit supplements 20% and deposits it in the personal account. Teachers can receive pensions when they reach the legal retirement age.

2. Individuals pay 2% of medical insurance, and the unit supplements 6- 10% for medical reimbursement when employees are sick.

3. Individuals pay 0.4- 1% for unemployment insurance, and the unit supplements 1.50%, which is the living expenses of employees after unemployment.

4. The maternity insurance unit pays 0.5- 1.2%, that is, when the employee gives birth, it is used as maternity reimbursement and related treatment.

5. The work-related injury insurance unit shall pay 0.8%. In case of work-related injury, the employee shall pay medical expenses or compensation for work-related injury.

6. Individuals pay 5%- 12% of housing accumulation fund, and the unit supplements 5%- 12%. In some places, there are supplementary provident funds, which are put into individual provident fund accounts together. Those who meet the extraction conditions can be extracted, and the purchase of commercial housing can also enjoy lower housing loan interest, reducing the economic burden of employees.

7. The occupational annuity was implemented on June 0, 65438, 20 14 and 10 after the pension was merged. Individuals pay 4%, and the unit supplements 8% as a supplement to the pension. Receive it monthly after retirement.

Second, what role can enterprise annuity play?

It is understood that in addition to the enterprise annuity, there is also a kind of occupational annuity, which is similar in nature and has different names according to the nature of the unit. General institutions and institutions participate in occupational annuities, and enterprises participate in enterprise annuities.

The newly promulgated "Enterprise Annuity Measures" clearly points out that "enterprise annuity" refers to the supplementary endowment insurance system independently established by enterprises and their employees on the basis of participating in the basic endowment insurance according to law. Other employers participating in the basic old-age insurance for enterprise employees and their employees to establish supplementary old-age insurance shall be implemented with reference to these measures.

The "Measures" stipulate that when employees reach the retirement age stipulated by the state or completely lose their ability to work, they can receive enterprise annuities from their personal accounts on a monthly basis, in installments or at one time, or they can purchase commercial endowment insurance products with all or part of the funds in their personal accounts, receive treatment according to the insurance contract and enjoy the corresponding inheritance rights. The funds in the personal account of enterprise annuity for people who have settled abroad can be paid to me in one lump sum according to my requirements. After the death of an employee or retiree, the personal account balance of the enterprise annuity can be inherited.

The relevant person in charge of Ministry of Human Resources and Social Security explained that enterprise annuity is a supplementary old-age insurance system independently established by enterprises and their employees through collective negotiation on the basis of participating in the basic old-age insurance according to law, and it is an important part of the second pillar of China's multi-level old-age insurance system. The establishment of enterprise annuity is conducive to improving the employee compensation system, showing the good culture of the enterprise, enhancing the attraction of talents and stabilizing the workforce. Employees' participation in enterprise annuity is conducive to increasing pension accumulation on the basis of basic old-age insurance and further improving their income level and quality of life after retirement.

Third, does the enterprise annuity belong to the compulsory scope of the state?

Enterprise annuity refers to the supplementary old-age insurance system voluntarily established by enterprises and their employees on the basis of participating in basic old-age insurance according to law. Therefore, enterprise annuity is a voluntary behavior of employees and enterprises, and does not belong to the compulsory scope of the state. Only enterprises that participate in the basic old-age insurance according to law, fulfill their payment obligations, have corresponding economic affordability and establish a collective negotiation mechanism can implement the enterprise annuity system after reporting to the administrative department of labor security for the record. Article 7 of Decree No.20 of People's Republic of China (PRC) Ministry of Labor and Social Security "Trial Measures for Enterprise Annuities" stipulates that the expenses required for enterprise annuities shall be paid jointly by enterprises and individual employees. The disbursement channels of enterprise payment shall be implemented according to the relevant provisions of the state; Individual contributions of employees can be withheld from employees' personal wages by enterprises. Article 8 stipulates that the enterprise's payment shall not exceed one twelfth of the total wages of employees in the previous year. The total contributions of enterprises and employees generally do not exceed one-sixth of the total wages of employees in the previous year.

In addition, Article 4 of the Individual Income Tax Law of People's Republic of China (PRC) stipulates: "The following personal income shall be exempted from individual income tax: 1. Bonuses in science, education, technology, culture, health, sports, environmental protection, etc. awarded by provincial people's governments, the State Council ministries and commissions, China People's Liberation Army units at or above the military level, and foreign and international organizations; 2. Interest on savings deposits, national debt and financial bonds issued by the state; 3. Subsidies and allowances issued in accordance with the unified provisions of the state; Four, welfare funds, pensions and relief funds; 5. Insurance compensation; Six, military demobilized fees, demobilization fees; Seven, in accordance with the unified provisions of the state to cadres and workers resettlement fees, retirement fees, retirement wages, retirement wages, retirement allowance; Income of diplomatic representatives, consular officials and other personnel of embassies and consulates in China who should be exempted from tax according to the relevant laws of China; Nine, China municipal government to participate in the international conventions and agreements stipulated in the tax-free income; Ten, approved by the financial department of the State Council tax-free income "enterprise annuity system has the nature of supplementary old-age insurance, belonging to" in accordance with the unified provisions of the state paid to cadres and workers resettlement fees, retirement wages, retirement wages, retirement allowance ". Therefore, its income does not need to pay personal income tax.

The above knowledge is my answer to the question "how much do I need to pay for five insurances and two gold?" Five insurances and two gold are paid according to a certain proportion, but how much money you need to pay is generally determined by the wages of workers, and there is no specific amount.