What are the salary "four gold"?

The most basic social insurance premiums are divided into endowment insurance premiums, medical insurance premiums, unemployment insurance premiums and provident funds, which are usually called "four funds". Enterprises and individuals each bear a certain proportion of the premium.

Let's talk about provident fund first. Strictly speaking, the provident fund does not belong to social security, and the total payment is all included in the personal account, not included in social pooling. The total amount in the account can be used as the basis of the loan amount when I borrow money, and can be used as a loan. You can also withdraw cash in one lump sum when you retire, and you can apply for early withdrawal if you have difficulties in life.

Pension, medical care and unemployment belong to real social pooling insurance. The amount in the payment account is not for your own use, but after overall planning, the pension will be given to retirees, the medical expenses will be given to medical treatment and hospitalization, and the unemployment benefits will be given to the unemployed.

For the payer, he can receive the pension every month after paying the pension 15 years, and the amount of the pension is based on the total amount of his account, not on how much he has paid. Medical insurance premiums need to be paid continuously for half a year to enjoy outpatient, emergency and hospitalization insurance, and female employees can also enjoy maternity insurance. After death, you can also withdraw the medical insurance expenses in the social security card at one time. If you have paid unemployment insurance for one year, you can receive unemployment benefits for two months for every year you pay unemployment insurance. You can get unemployment now, and you can get unemployment together in the future.