Job Recruitment Website - Social security inquiry - What are the 3 risks and 1 gold in social security?

What are the 3 risks and 1 gold in social security?

This is some of the provisions of the social security you see for yourself

Three insurance is the most basic social insurance; including: pension insurance, medical insurance, unemployment insurance

Three insurance belongs to the social insurance, and now is usually said to be the "five insurance and one gold", the specific five insurance that is: old age insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance; a gold that is: housing fund.

Paying three insurance is the national social security policy, any employer should be insured for employees. As long as you sign a labor contract with your employer, it should insure you.

But the three insurance is not entirely paid by your unit, but by you and the unit **** with the payment. According to the employee's salary, the ratio of unit and personal responsibility is generally: 20% for the unit and 8% for the individual for pension insurance; 6% for the unit and 2% for the individual for medical insurance; and 2% for the unit and 1% for the individual for unemployment insurance.

The pension insurance is mainly to receive pension after retirement in the future, in order to prevent the dismal life in old age.

Medical insurance is mainly when you are sick and hospitalized, the unit can be reimbursed about 50% of the cost, is also very important. Workers' compensation insurance is more understandable.

And five insurance and one gold, how the enterprise to employees on the insurance

About five insurance and one gold:

Which pension insurance, medical insurance and unemployment insurance, these three kinds of insurance is by the enterprise and the individual *** with the payment of premiums, industrial injury insurance and maternity insurance is completely by the enterprise to bear. Individuals do not need to pay. It is important to note that the "five insurance" is legal, while the "one gold" is not legal.

What are the contribution rates for the five insurance policies and one pension?

At present, the contribution ratio for pension insurance in Beijing is 20% for the unit (17% of which is allocated to the overall fund and 3% to the individual account) and 8% for the individual (all of which is allocated to the individual account); the contribution ratio for medical insurance is 10% for the unit and 2% + 3 yuan for the individual;

The contribution ratio for unemployment insurance is 1.5% for the unit and 0.5% for the individual; and the contribution ratio for work-related injuries is determined according to the industry in which the unit is classified. The rate of contribution for maternity insurance is 0.8% for the unit and 0.5% for the individual.

Provident fund contribution ratio: according to the actual situation of the enterprise, choose the housing provident fund contribution ratio. However, in principle, the maximum contribution shall not exceed 10% of 300% of the average salary of the employees in Beijing.

(Co-ordinated fund that is: national co-ordination is needed in the process of the gradual transformation of the pension insurance system from a state-unit system to a state-society system, in order to solve the problems of unbalanced economic development and the aging of the population.

(1) the establishment of a social co-ordination fund based on contributions from enterprises; (2) the establishment of individual accounts based on contributions from employees and enterprises; (3) the government bears the administrative costs of the pension insurance fund. This semi-fund system combining social co-ordination and individual accounts is conducive to coping with the crisis of China's aging population, gradually spreading out the cost of transition from the old to the new system, and gradually realizing the transformation from an enterprise-based pension insurance system to an individual-based pension insurance system).

The amount of contribution for the four insurance policies is different in each region, and the base is based on the gross salary. Some enterprises have a basic salary and some related subsidies at the time of payment, but some enterprises pay only the basic salary, which is against the law. The specific ratio to the local labor department to consult.

About the pension insurance, unemployment insurance and medical insurance draw, is in the case of legal permission to receive, by the establishment of the insurance registration department to issue, for example, "pension insurance, to reach the age of legal can, unemployment insurance benefits to receive is also to have the conditions, for example, you go to the household location of the street office for the certificate of unemployment, and at the same time do the The job seeker's license means that you must have the will to look for a job after you become unemployed, and only under such conditions can you receive it.

If you don't want to work after you lose your job, then you can't be paid insurance benefits. Also, you can't get the pension and unemployment benefits at the same time.

"Are you entitled to insurance during the trial period?

There should be insurance coverage during the probationary period because the probationary period is an integral part of the contractual period; it is not isolated from the contractual period. So you should be insured during the probationary period as well. In addition, the enterprise to the employee insurance is a legal obligation, does not depend on the parties concerned or voluntary or not, even if the employee said do not need to pay insurance, and commercial insurance can not replace the social insurance.

Enjoyment of pension insurance

Accumulated payment of pension insurance for more than 15 years, and reached the legal retirement age, you can enjoy the pension insurance treatment:

1. Receive the basic pension according to the regulations on a monthly basis, until death.

The formula for calculating the basic pension is as follows:

Basic pension = basic pension + individual account pension + transitional pension = average monthly salary of the city's employees in the year before retirement × 20% (15% for those who have contributed for less than 15 years) + principal and interest on the individual account and ÷ 120 + indexed average monthly salary for contributions × years of contributions before the end of 1997 × 1.4%.

2, death treatment. (1) funeral expenses (2) one-time pension (3) living hardship allowance for immediate family members eligible for support, paid monthly until the death of the immediate family member to be supported.

Note: Pension insurance should be paid continuously as far as possible. According to the relevant documents, where an enterprise or an insured person pays basic pension insurance premiums intermittently (except for unemployed persons during the period when they receive unemployment insurance premiums or those who do not pay the premiums in accordance with the relevant regulations), and the insured person complies with the old-age pension conditions stipulated by the state, when calculating the basic pension, the base of its calculation of the basic pension shall be calculated according to the cumulative intermittent contribution time (The cumulative interrupted contribution time is calculated as one interrupted contribution year for every full 12 months, and is not calculated for less than 12 months)

For example:

If you retire in 2020, your basic pension will be the 2019 average social wage × 20%, but if you have interrupted your pension insurance for 30 months before retirement, the base pension will be calculated according to the average social wage × 20% of 2019. Before the pension insurance interruption of 30 months, is interrupted for 2.5 years, according to 2 years, your basic pension is the average social salary in 2017 × 20%

Medical insurance enjoyment

1, outpatient and emergency medical expenses

In the year of the active employee (January 1 - December 31) in line with the scope of the basic medical insurance medical expenses Accumulated more than 2,000 yuan or more;

2. Settlement ratio:

50% reimbursement for the part of 2,000 yuan or more for dispatched staff during the contract period, and 50% out-of-pocket payment by the individual;

the maximum amount of outpatient and emergency reimbursement paid to the dispatched staff in a cumulative total of 20,000 yuan in a year.

3, participants should keep the outpatient medical bills (including receipts and prescription bottoms for the parts below the large amount) of the outpatient treatment in the designated hospitals as the vouchers for reimbursement of medical expenses;

4, the outpatient treatment of three kinds of special illnesses: participants suffering from malignant tumors radiation therapy and chemotherapy, renal dialysis, kidney transplantation and taking antirejection medicines need to be treated in the outpatient clinics, the participants will have to be treated in the second and third level designated hospitals. The second and third level designated hospitals will issue "disease diagnosis certificates" and fill in the "Beijing Medical Insurance Special Disease Declaration and Approval Form", and report it to the district medical insurance center for approval and filing. The outpatient medical treatment and medicine collection for these three special diseases are limited to the approved designated hospitals, and cannot be purchased at designated retail pharmacies. If the medical expenses incurred meet the scope of outpatient special diseases, they will be settled with reference to hospitalization;

5. Inpatient medical care

●Inpatient deposit: When a participant who meets the conditions for hospitalization is hospitalized, the hospital will charge the participant a part of deposit, the amount of which will be determined by the hospital on a pro rata basis according to the condition. If the unit of the dispatched person and the insured person fail to pay the medical insurance premiums in full and on time, the hospitalization deposit will be fully advanced by the dispatched person personally;

●Settlement cycle: every 90 days of inpatient treatment for the insured person is a settlement cycle: if it is not more than 90 days, each hospitalization is a settlement cycle;

●Outpatient radiation therapy and chemotherapy for patients with malignant tumors, renal dialysis, renal transplantation Medical expenses incurred by patients with malignant tumors under outpatient radiotherapy and chemotherapy, renal dialysis, anti-rejection drugs after kidney transplantation, and patients with mental illnesses that require year-round hospitalization are subject to one settlement cycle every 360 days;

●Medical expenses incurred by insured persons under treatment in the family hospital beds of designated community health service centers (stations) are subject to one settlement cycle every 90 days;

●The medical expenses incurred by the insured persons at the time of their discharge from the hospitals or when their stage of treatment ends are to be settled between the dispatched persons and the hospitals at the expense of the dispatched persons. The hospital shall declare to the medical insurance center for examination and settlement of the medical expenses that should be paid by the basic medical insurance co-ordination fund and the large amount of medical mutual aid funds;

●The settlement of the medical expenses of the insured person hospitalized in the hospital and in line with the scope of the basic medical insurance shall be set up as the starting line and the maximum amount of the basic medical co-ordination fund payment;

● The starting line is RMB 1,300 for the first hospitalization and RMB 650 for subsequent hospitalizations, and the maximum payment limit is RMB 50,000; the mutual aid

fund pays 70% of the large medical expenses exceeding the maximum payment limit (excluding the portion below the starting line and that borne by the dispatched personnel), and the dispatched personnel bears 30% of the burden individually. The maximum payment is 100,000 yuan in one year. The settlement standard for hospitalization expenses is calculated in sections and paid cumulatively according to the level of the hospital and the amount of expenses in a settlement cycle.

(When the rates are adjusted, they will be implemented according to the new standards)

Note: The health insurance is exempt from liability for traffic accidents that are not caused by work!

Unemployment insurance to enjoy the treatment

Unemployment insurance continuously paid for more than one year, after the file returned to the street. You can enjoy unemployment insurance treatment in the street.

1. Unemployment insurance benefits: refers to the unemployment insurance agency in accordance with the provisions of the basic living expenses paid to eligible unemployed people, it is the most important unemployment insurance treatment. Unemployment insurance treatment is implemented according to the relevant documents of Beijing Municipality;

2. Medical benefits during the period of receiving unemployment insurance benefits: it refers to the benefits paid to the unemployed for the medical expenses incurred during the period of receiving unemployment insurance benefits. It is implemented in accordance with the relevant policies and regulations of Beijing Municipality;

3. Funeral benefits for unemployed persons who die while receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members are implemented in accordance with the relevant regulations.

Workers' compensation insurance

In the unfortunate event of an accident during the contract period, it is necessary to obtain a statement of the situation from the enterprise and stamp it with the enterprise's official seal, and apply for recognition of the work injury as soon as possible (preferably within three working days) and provide the following materials:

1. diagnosis of the initial treatment or hospitalization medical records;

2. certificate of diagnosis of occupational disease (original and a copy of each)

3, traffic accidents need to provide the traffic brigade's accident verdict or the traffic department's traffic accident certificate;

4, a copy of ID card;

5, the original labor contract within the period of validity

Maternity insurance to enjoy the treatment

Can be reimbursed for maternity-related expenses

Reimbursement scope includes, maternity allowance, maternity medical expenses, medical expenses for family planning surgery, and other maternity-related expenses stipulated by the state and the city.

The maternity allowance is calculated by dividing the employee's contribution base for the month in which she gives birth by 30 and multiplying it by the number of days of maternity leave. The maternity allowance is the female worker's salary during the maternity leave; if the maternity allowance is lower than her own salary standard, the difference shall be made up by the enterprise

Maternity medical expenses include medical examination fees, delivery fees, surgical fees, hospitalization fees, and medicine fees incurred by the female worker due to her pregnancy or childbirth.

Medical expenses for family planning surgery include medical expenses incurred by employees for family planning.

It is now a requirement to pay 20 years for health insurance and 15 years for pension to be eligible for pension and post-retirement reimbursement.

First of all, if you go to work in a place other than your hukou. For example, if you have an original account in Beijing and go to Shenzhen to work. Whether or not the account is transferred to Shenzhen, in the event that the future does not work in Shenzhen, then in Shenzhen to pay the five insurance fund can be transferred out, it is very problematic! Because now the national five insurance and one gold thing is not networked, only the Beijing municipal network. That is to say, if you originally worked in a unit in Beijing, and after a few years jumped to another unit in Beijing to work. There will be no problem with your insurance. But if you jump from another province or city, the transfer will be very troublesome and it is still a problem whether you can transfer it or not.

Three of the five insurance policies mentioned earlier are paid by both the enterprise and the individual. This means, for example, for pension insurance. For example, if your salary is 2,000, then you have to pay 8% personally and 15% from the organization (the above figures are hypothetical). This money is deposited in an account and can be withdrawn only when you are eligible for pension insurance (see above for conditions). Then, taking into account what was written in the above paragraph, if you can't transfer it, you'll have paid for nothing and won't be able to withdraw it.

All enterprises and individuals **** the same part of the contribution is like this, housing fund is also like this. For example, according to the salary multiplied by the ratio: if you have to pay 500 per month, the unit to pay you 1000 if you jumped ship, the money can not be transferred, then you pay 500 per month for nothing. And you can't take it out - because you don't qualify for a housing fund, you can only take it out when you buy a house.

Some people may ask, if I don't intend to work in the city where I started to develop my whole life, in order to prevent the future transfer out of the five insurance fund, can I not pay? The answer is no. At least that part of the three insurance is mandatory by the state. So it's a bit of a bummer. Another thing about the base for the five insurance premiums is the question of which part of your salary to multiply by that percentage. This is the case, first look at the composition of the salary, basic salary + benefits + bonuses many companies, are only according to the basic salary on the five insurance and gold. Because if the three parts of the calculation, you personal on some more but the unit to you on more (enterprises and individuals *** with the payment of five insurance and gold, are personal to pay a small head of the unit to pay a big head.) So a lot of companies in order to save money for themselves, the base is to be able to less and less in addition to the welfare part. There is a great deal of cat and mouse, this everyone will be signing a contract when you must ask!

The previous said, housing fund is also the enterprise and personal **** with the payment. But the part of the enterprise to pay you, sooner or later is also your (as long as you buy a house in the future if you can take out a lump sum). For example, you pay 500 per month according to the proportion, the unit may give you 1000, although before you buy a house, the 1500 can not be withdrawn. But theoretically that 1000 is also for you. Then some companies will count the 1000 as a benefit for you. In fact, it should not be counted ！！！！ Because the 1000 is not real, you can't get it out if you don't buy the house. So when you sign the contract, you should ask whether the benefits include housing fund, be careful, be careful!

Social insurance process

Various types of enterprises (including state-owned enterprises, collectively owned enterprises, joint-stock enterprises, joint-stock cooperative enterprises, foreign-invested enterprises, private enterprises, etc.), enterprise management (employee wages and retirement benefits in accordance with the implementation of the enterprise standard) of the institutions should be in accordance with the principle of territorial management to the taxpaying (non-taxpaying units in accordance with the unit's address area)

The social insurance agency under its jurisdiction shall go through the registration procedures for social pension insurance. Newly established units should lose the registration formalities within one month from the date of approval of the establishment of the unit. The insured units must go through the social insurance procedures for all the personnel (except for the employed retirees) with whom they have a de facto labor relationship.

I. Forms to be filled in and information to be attached:

1. Social insurance registration form and details of increase or decrease in the number of active employees (in duplicate) and obtain them from the social insurance office under jurisdiction.

Related documents are as follows:

(1) Business license (copy) or other approved documents for practice or establishment;

(2) Organization code certificate of the People's Republic of China;

(3) Local tax registration certificate;

(4) If the relevant documents of a private enterprise cannot clearly identify the nature of its unit, the enterprise should report the relevant information proving the private nature (e.g., the following documents). private nature (e.g., certificate of the industrial and commercial department, national tax registration certificate, capital verification report, etc.).

(5) The establishment of the enterprise should be accompanied by the approval of the documents related to the establishment of the enterprise.

(6) The resident office should be attached with the authorization letter from the head office or head agency.

Attached to the report: a copy of the identity card of the newly insured employee (the employee whose household is not in the city also needs to provide a copy of the household or temporary residence permit)

All the above documents need both the original and a copy of the social security agency for processing.

Second, the form filling instructions:

1, social insurance registration form

"Tax number": tax registration certificate in the "tax word such as 420103748300492" column number.

"Business registration license information": the need for business registration, business license units (such as various types of enterprises) to fill out this column, do not fill out the "approved the establishment of information" column.

"Approval of the establishment of information": not by the industrial and commercial registration of the establishment of units (such as: institutions, institutions, social organizations, etc.) to fill out this column, do not fill out the "industrial and commercial registration license information" column.

"Contributing unit administrator": fill in the participating social insurance unit specifically responsible for the work of the contact person, his department and contact telephone.

"Type of unit" and "affiliation": according to the type of unit and affiliation of the insured unit, fill in the code corresponding to the "Description" at the bottom of the table.

"Accounting bank": the clearing bank number of the depositary bank must be filled in.

2, in-service workers increase or decrease the details of the change:

"Name", "gender", "birth date", "personal account (ID number). Individual account (ID number)": all to be filled out strictly in accordance with the information in the ID card.

"Individual number": "renewal", "transfer" personnel need to provide their original participation in the individual number, fill in this column. "New" personnel in the declaration of the temporary not fill in this column, its personal number to be entered into the microcomputer generated.

(1) "new": the original uninsured, is the type of new, insured persons can not be added according to new processing.

(2) "Renewal": the original social security, has been discontinued or transferred to the mobile window insurance, now renewed to the new unit insured, is renewed. In the mobile window insured people need to declare this form before the arrears of fees paid off and for its discontinuation in the mobile window procedures.

(3) "Transfer in": this refers to the transfer of the insured person between the insured units in the city.

(4) "out-of-city transfer": these people need to complete the account opening procedures in the unit, the unit to the municipal fund clearing center for the transfer of fund settlement and "out-of-city transfer" business.

"Monthly salary": the employee's average monthly salary for the previous year should be filled in the form. New recruits in the current year, according to the actual monthly gross salary (but not less than 586 yuan)

Enterprise and individual contribution ratio table:

Insurance state-owned, collective enterprises, three-funded, private enterprises migrant workers

Unit to pay individual to pay unit to pay individual to pay unit to pay individual to pay unit to pay individual to pay

Pension Insurance 22%7%20%7%13%7%7%7 7%13%7%

Note: Before the 20th of each month in the jurisdiction of the social insurance agency to handle

Housing Provident Fund for the following:

One, the unit for the Housing Provident Fund deposit registration procedures are as follows:

(1) to the local Finance Bureau Funds Management Center for the registration of deposits, fill out the "Housing Provident Fund Deposit Registration Form," the "Funds Management Center," the "Housing Provident Fund Deposit Registration Form," the "Funds Management Center," the "Housing Provident Fund Deposit Registration Form," the "Housing Provident Fund Deposit Registration Form," the "Funds Management Center. The "fund management center" in accordance with the provisions of the declared units to review and designate the housing fund bank.

(2) for the registration of housing fund contributions must be attached to the relevant documents: 1, a copy of the business license and a copy of the enterprise, administrative institutions and other institutions approved the establishment of the original and a copy of the approval; 2, the original and a copy of the code certificate of the legal person; 3, a copy of the original and a copy of the tax registration certificate of the national tax.

(3) four copies of this form, Wuhan Municipal Housing Reform Commission Funds Management Center approved the registration form retained two copies; units sent to the designated provident fund for the bank a copy of the form to set up a housing fund unit account and individual employee accounts; provident fund account will be set up every month after the establishment of an employee contribution to the housing fund form and remittance form attached to the provident fund for the bank.

Second, the unit for the newly hired or newly transferred employees to contribute to the housing fund, the procedures are as follows:

Newly hired employees or newly transferred in and out of the employee within 30 days of the start of the employee's housing fund account set up at the trustee bank for the establishment of the employee's housing fund account, and at the same time, for the establishment of housing fund account for the transfer of the account for the employee's personal account.

Three, the approved housing fund contribution ratio is as follows:

According to the employee's average monthly gross salary of 10% of the contribution. (Of which the unit portion is contributed at 5%, and the individual employee portion is contributed at 5%.)

Four, the housing fund contributions to the unit name, address changes, the procedures are as follows:

Unit name, address changes, the original unit should be changed within thirty days from the date of change to the Municipal Housing Reform Commission Funds Management Center for registration of changes, and hold the "Municipal Housing Reform Commission Funds Management Center" audited "unit housing funds management center".

The original unit should register the change at the Municipal Housing Reform Commission Fund Management Center within 30 days from the date of the change, and go to the trustee bank for the relevant procedures with the "Registration Form for Change of Unit's Housing Provident Fund Contribution" reviewed by the "Municipal Housing Reform Commission Fund Management Center".

V. If a unit contributing to housing fund is withdrawn, bankrupt or dissolved, the procedures are as follows:

A unit withdrawn, bankrupt or dissolved shall, within thirty days from the date of the occurrence of the above circumstances and with the relevant certificates and documents, go to the Municipal Housing and Reform Commission's Fund Management Center by the original unit or the liquidation organization to apply for the cancellation of the registration and to bring the "Municipal Housing and Reform Commission Fund Management Center" with a "Municipal Housing Reform Commission Fund Management Center" review of the "unit of housing fund account cancellation registration form", to the trustee bank for the transfer of housing fund account for the unit employees or centralized deposit procedures.

Unemployment insurance related procedures are as follows:

Newly insured unemployment insurance company should be in the jurisdiction of the unemployment insurance management office for unemployment registration procedures; such as doing the change of the unit needs to be in the original unit of the jurisdiction of the unemployment insurance management office for the transfer of the unemployment insurance relationship procedures; and then take the current unit of the jurisdiction of the unemployment insurance management office to register for the formalities, and now governed by the chapter of the unemployment office, and then, and then the jurisdiction of the unemployment insurance management office. Unemployment office of the chapter, and then, then get the original unit under the jurisdiction of the unemployment office stamp; Finally, in the current unit under the jurisdiction of the unemployment office for this matter.

I. Forms to be filled in and information to be attached:

1. Receive at the unemployment office: the unemployment insurance registration form, the declaration of the monthly contribution base of the contributing unit (change) form and the roster of the employees who have paid the unemployment insurance contributions (in quadruplicate).