What do the four gold hardware in the labor contract refer to respectively?

The four gold hardware in the labor contract refers to

1. "Four funds" refer to endowment insurance, medical insurance, unemployment insurance and housing accumulation fund;

2. "Hardware" refers to four gold+industrial injury insurance;

Five insurances and one gold have the following benefits:

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and there will be interest tax in the bank.

3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death, and it will only increase with the improvement of social living standards, and the amount of capital increase will be adjusted every year to ensure the stability and reliability of old age life.

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.

5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation, and all maternity insurance premiums shall be borne by the unit.

6. Payment of unemployment insurance benefits You can get unemployment insurance benefits and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.

7. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit.

8. Paying the housing provident fund is equivalent to the unit depositing a tax-free income in proportion to you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; The interest rate of housing provident fund loans is lower than that of commercial loans.

9. After the implementation of the unified account pension insurance payment system, the actual payment period of social insurance has become the most convincing proof of the length of service of enterprises. More and more social security payment certificates are needed, such as the number of paid annual leave days confirmed by social services, and the loan needs to be paid in local social security for more than one year when real estate is regulated.

10. The calculation and payment of pension consists of two parts. Personal account pension is completely formed by individual contributions, and this branch has the same inflation risk as bank deposits; However, the basic pension is partly linked to the local average social wage and individual indexed average wage, which is anti-inflation; After retirement, it will increase its capital every year with the local economic level. The more you pay, the longer you pay, and the higher the level of pension benefits after retirement.