Shanghai social security why is the four insurance

The four gold, is five insurance a gold (pension insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance, housing fund) in the part of the individual to pay (pension insurance, medical insurance, unemployment insurance, housing fund). The four gold is actually also five insurance a gold, just five insurance a gold in the industrial injury insurance and maternity insurance by the enterprise, the individual does not have to pay. Five insurance is a national security in a basic welfare system, now we also often hear the Shanghai has four gold, that Shanghai four gold why not five insurance? Are they different? I will answer this question for you, I hope it can help you.

A, Shanghai four gold and the relationship between the five gold

four gold, is five gold (pension insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance, housing fund) in the part of the individual to pay (pension insurance, medical insurance, unemployment insurance, housing fund).

Generally, when we say "pay four gold" and "pay five insurance and one gold", we mean the same thing. That is, the employer pays five insurance and one gold for the workers (the employer's other expenses), of which there are four laborers also have to pay (workers deducted from the pre-tax salary).

Two, five insurance and one gold

According to the state regulations, enterprises should pay for employees "five insurance and one gold": pension insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing fund.

If you are a working employee, the unit will pay for you, the payment standard:

Pension Insurance:

20% of the unit to pay, 8% of the individual to pay, of which 8% into the personal account.

Medical insurance:

unit to pay 8% or 9%, individuals pay 2%, which enters into the personal health insurance card (once a month).

Unemployment insurance:

unit to pay individual to pay for employees to receive unemployment benefits in the community when they are unemployed.

Work-related injuries and maternity insurance, the sub plus is 1% and some places is the full burden of the unit, some places are deducted from the employee 1 yuan per month, the occurrence of work-related injuries to the insurance company to claim. Maternity insurance is the female workers to give birth to the costs incurred by the social security sector.

The Housing Provident Fund (HPF): 7% for the unit and 7% for the individual, all of which goes into the individual's account, can be withdrawn when buying a house, and can also be used as a loan for purchasing a house, which is low-interest.

If you are a flexible worker, there are only two types of social security: pension insurance and medical insurance.

Three, five insurance and gold for the method

Pension insurance: take my ID card, unemployment card and two 1-inch photos, to the local social security center business window for.

Medical insurance: After you have completed the pension insurance procedures, take the above materials and the newly completed pension insurance manual to the local medical insurance center business window.

After that, according to the requirements, pay the contributions on time.

The above is the answer to the question Shanghai four gold why is not five insurance and one gold, I hope it can help you. From the above, we can see that the four gold is actually the five gold, just five gold in the workers' compensation insurance and maternity insurance by the enterprise, the individual does not have to pay, so the rest of the four kinds of insurance collectively known as the four gold.

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