How to pay five insurances and one gold when working in the field?

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. So how to pay five insurances and one gold when working in a foreign country? After reading the contents arranged for you below, it will definitely help you.

First, how to pay five insurances and one gold when working in the field?

(a) should be in accordance with the city's household registration personnel to pay social insurance:

1. Persons who have obtained local household registration (including those who directly apply for local household registration upon graduation from employment or apply for talent introduction after employment).

2. Persons who have obtained local residence permits (including those who directly apply for local household registration when they graduate from employment or apply for talent introduction after employment). In these two cases, college students can participate in social insurance in Shanghai after employment, and they can ask employers to pay local urban social insurance (referred to as "urban insurance") or small town social insurance (referred to as "town insurance") in accordance with relevant regulations. The above two situations are exactly the same in paying social insurance premiums; There are some differences in the payment of local housing provident fund, that is, employers must pay local housing provident fund for those who have obtained local household registration; The employer has no obligation to pay the local housing provident fund for those who have applied for the local residence permit.

(2) No local household registration and no local residence permit.

Such personnel can pay "comprehensive insurance for local foreign employees" after employment, and of course, the employer should also go through the formalities of hiring foreign employees in accordance with relevant regulations. The comprehensive insurance for local migrant workers includes industrial injury, hospitalization and pension subsidies. To sum up, non-local college graduates should first inform the employer of their household registration when interviewing with the employer on the "four gold" issue, and negotiate the employer's obligations in handling their household registration or residence permit, or write the negotiation results into the employment agreement or sign another agreement, so as not to affect the payment and enjoyment of social insurance and housing provident fund in the future.

Second, five insurances and one gold

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.

Old-age insurance: a social insurance system established by the state according to relevant laws and regulations, which is used to ensure the basic life of workers after they reach the working age limit stipulated by the state, terminate their labor obligations or quit their jobs because of old age.

Medical insurance: it is a kind of insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth.

Unemployment insurance: a system enforced by the state through legislation, in which the society sets up a fund to provide material assistance to workers who temporarily suspend their livelihood because of unemployment.

Work-related injury insurance: a social security system that the state or society provides medical treatment, living security, economic compensation, medical treatment and vocational rehabilitation for workers and their families who suffer from accidents and occupational diseases in production and work.

Maternity insurance: a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave when pregnant and childbirth female workers temporarily stop working, and the state or society provides necessary economic compensation and medical care for maternity workers.

Housing accumulation fund: long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

Three. Relevant laws and regulations

Article 58 of the Social Insurance Law

The 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.

Article 15 of the Regulations on the Management of Housing Provident Fund

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.

The above is the latest legal knowledge for you. To sum up, you can directly apply for local household registration or employment after paying five insurances and one gold for working in the field, and the employer will go through the formalities of talent introduction. It can be seen that it is very useful for us to learn and master relevant knowledge, which can not only increase our knowledge, but also be applied to our lives.