Are the five insurances and one gold deducted from the salary?

Five insurances and one gold are deducted directly from the salary. There are two ways to pay for five insurances and one gold. One is paid by the individual, and the other is withheld by the company, and both parties are calculated in proportion.

A, five insurance and one gold deduction method is:

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

2. Endowment insurance: 8% for individuals and 0/2% for unit/kloc;

3. Unemployment insurance: individual 1%, unit 2%;

4. Industrial injury insurance: no individual, unit1%;

5. Maternity insurance: no individual, unit 1%.

Second, the role of five insurances and one gold is:

1. After paying the accumulated endowment insurance 15 reaches the national statutory retirement age, you can receive the basic pension every month;

2. Medical insurance can be enjoyed for life;

3. If an accident occurs due to work, you can enjoy work-related injury insurance or disability allowance;

4. Being dismissed by the company can receive unemployment insurance benefits;

5, pay maternity insurance personnel can enjoy the treatment of maternity medical expenses at the time of childbirth, and the required funds are paid from the maternity insurance fund;

6. Provident funds can apply for housing provident fund loans.

Third, the process of handling five insurances and one gold:

1, first establish the labor relationship between the unit and the workers;

2. Then the unit timely declares social security registration for the workers;

3. declare the amount of social security payment in time after registration;

4. Finally, pay social security and provident fund according to regulations every month.

Four, for five insurance and one gold need the following materials:

1. Company: labor contract, personnel increase form and salary certificate;

2. Individuals: copies of ID cards, photos, attrition tables or account numbers.

legal ground

Article 2 of the Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

According to "Social Insurance Law" and "Regulations on the Management of Housing Provident Fund", if an enterprise fails to pay social security for its employees in full and on time, it will be charged a late fee of five ten thousandths, or even a fine of more than three times the unpaid amount 1 times; Those who fail to pay the provident fund within the time limit will be fined 1 1,000 yuan to 50,000 yuan.

Article 4 of the Social Insurance Law

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

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.

The state establishes a national unified personal social security number, and the personal social security number is a citizen identity number.