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

The calculation is as follows: (1) Medical insurance: 2% for individuals and 8% for units; (2) Endowment insurance: 8% for individuals and12% for the unit; (3) Unemployment insurance: individual 1%, unit 2%; (4) Industrial injury insurance: no individual, unit1%; (5) Maternity insurance: no individual, unit1%; (6) Provident fund: 3.5% for individuals and 3.5% for units. Work injury and maternity insurance expenses shall be borne by the unit.

At present, most enterprises will pay social insurance and housing provident fund for their employees on time, which is fulfilling their obligations. For migrant workers working and living in Foshan, it is possible to be prepared to master some knowledge of five insurances and one gold, know what to do when using five insurances and one gold, and check the account balance according to the payment ratio of five insurances and one gold to protect their rights and interests. So what is the specific payment ratio of Foshan's five insurances and one gold? This paper will give you a concrete talk based on the relevant policy documents of Foshan.

First, Foshan City, five insurance and one gold payment ratio

Based on the company's purchase of full social insurance, the calculation is as follows:

(1) medical insurance: 2% for individuals and 8% for units;

(2) Endowment insurance: 8% for individuals and12% for the unit;

(3) Unemployment insurance: individual 1%, unit 2%;

(4) Industrial injury insurance: no individual, unit1%;

(5) Maternity insurance: no individual, unit1%;

(6) Provident fund: 3.5% for individuals and 3.5% for units.

Work injury and maternity insurance expenses shall be borne by the unit.

Second, how long does it take to buy old-age insurance?

Well, the minimum payment period of endowment insurance is 180 months, which is 15 years. You can give more, and then you can get more. At the same time, the pension insurance can accumulate payment years, that is, intermittent payment is allowed. Medical insurance needs at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the fee is renewed, it is also possible at ordinary times).

The current retirement age is 60 for men and 55 for women. Of course, under special circumstances such as engaging in high-risk work and losing the ability to work, you can apply for early retirement and receive pension benefits.

3. Does the minimum wage in Foshan include five insurances and one gold?

The minimum wage in Foshan includes five insurances and one gold. Whether five insurances and one gold are included in the minimum wage depends on the actual situation. Judging from the situation announced in various places, except for Beijing and Shanghai, the minimum wage standard is the net income after deducting "three insurances and one gold", other provinces have included three insurances and one gold in the minimum wage standard.

4. What is the time limit for receiving unemployment insurance?

(1) If the accumulated payment time is over 1 year but less than 5 years, unemployment insurance benefits will be paid every 1 year/month, but the longest payment period is 1 2 months;

(2) If the accumulated payment time is less than 5 years 10 year, the longest period for receiving unemployment benefits is 18 months;

(3) If the accumulated payment time exceeds 10 years, the longest period for receiving unemployment insurance benefits is 24 months;

(4) If you are unemployed again after re-employment, the payment time shall be recalculated, and the period of receiving unemployment benefits shall be combined with the period of receiving unemployment insurance benefits from the previous unemployment, but the longest period shall not exceed 24 months.

To sum up, Foshan requires domestic enterprises to pay five insurances and one gold for their employees. Among the five insurance and one gold payment ratios in Foshan, the fixed social security payment ratio is determined by the government department. The proportion of housing provident fund deposit is determined by the enterprise independently within the scope. Some enterprises with good economic benefits and strong strength will pay a higher proportion, so that employees will get more benefits.