What's the difference between five insurances and one gold and social security?

The difference between social security and five insurances and one gold is mainly in two aspects. First, the concept is different. Social security mainly refers to five types of insurance: pension, medical care, maternity, unemployment and work injury, and five insurances and one gold also include housing accumulation fund. The other is that the scope is different. Social security only involves five types of insurance, and one of the five insurances and one gold also includes housing accumulation fund, which means that the scope of five insurances and one gold is larger than social security.

Legal analysis:

1. What's the difference between five insurances and one gold paid by the company and social security?

1, the concept is different: social security is the abbreviation of social insurance, which refers to five kinds of insurance: endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance. Five insurances and one gold refer to endowment insurance, medical insurance, maternity insurance, unemployment insurance, industrial injury insurance and housing accumulation fund.

2. Different scope: Social insurance only includes five types of insurance, such as endowment insurance, but five insurances and one gold also include housing accumulation fund. That is, five insurances and one gold include social security.

Second, what is the role of five insurances and one gold?

1, maternity insurance, the payment ratio is 1%, which is all paid by the employer. Individuals do not need to pay, mainly for women's fertility and prenatal care, and men can also think of subsidies for fertility-related operations.

2. Work-related injury insurance, the payment ratio is 0.8%, which is borne by the company, and individuals do not need to pay. Employees who are injured during work or on their way to and from work can get insurance compensation, and they can also get compensation for occupational diseases caused by work.

3. Unemployment insurance, the proportion of companies and individuals are 2% and 1% respectively. Employees can apply for unemployment benefits if they resign involuntarily, such as being dismissed by the company, failing to renew their contracts upon expiration, or going bankrupt due to poor management.

4. Medical insurance, the proportion paid by companies and individuals is 6% and 2% respectively. Individuals who are hospitalized can enjoy medical insurance reimbursement, and the reimbursement rate is relatively high, above 85%. They can buy medicines in pharmacies and use medical insurance cards when registering in hospitals.

5. Endowment insurance, the contribution ratio of companies and individuals is 20% and 8% respectively. It is required to pay 15 years to receive retirement pension. The retirement age is 60. When there is no source of income, you can make a living by receiving a pension.

6. Housing provident fund, companies and individuals should pay the same proportion, ranging from 5% to 12%. When buying a house, you can go to the housing provident fund for a loan. The maximum personal loan amount is 500,000 yuan, which cannot exceed 20 times of the balance of the personal provident fund account, and the provident fund loan is subsidized.

Legal basis:

According to labor law

Article 72: "Employers and workers must participate in social insurance and pay social insurance premiums according to law."

According to the "Regulations on the Administration of Social Insurance Fee Declaration and Payment"

Article 8 An employing unit shall, within 30 days from the date of employment, register social insurance for its employees and declare and pay social insurance premiums. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

If the employer fails to declare the amount of social insurance premiums payable according to the regulations, the social insurance agency shall temporarily determine the amount payable according to 1 10% of the amount paid by the unit last month; If there is no payment amount last month, the social insurance agency shall temporarily determine the amount of payment according to the operating conditions of the unit, the number of employees and the average salary of employees in the local last year. After the employer completes the declaration procedures, the social insurance agency shall settle the accounts in accordance with the provisions.

According to the Regulations on the Management of Housing Provident Fund

Thirty-seventh in violation of the provisions of this Ordinance, the unit does not handle the registration of housing provident fund deposit or the establishment of housing provident fund accounts for its employees, and the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.

Thirty-eighth in violation of the provisions of this Ordinance, the unit fails to pay or underpays the housing provident fund, and the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.

For citizens who work in the company, if they find that the company has not paid social insurance or housing provident fund, they can choose to complain to the company or leave the company, and they can ask the company to pay some compensation when they leave the company.