Can three risks be converted into five risks? Can the company pay only three risks instead of five?

There is no turning problem here, which is stipulated by the national social insurance law.

Three insurances are the most basic social insurance, including endowment insurance, medical insurance and unemployment insurance. Paying three insurances is stipulated by the national social security policy, and any employer should insure employees. As long as you sign a formal labor contract with your employer, it should insure you. The three risks are not entirely borne by your company, but by yourself and your company. According to the wages of employees, the proportion of units and individuals is generally: pension insurance units bear 20%, individuals bear 8%; 6% for medical insurance units and 2% for individuals; The unemployment insurance unit bears 2%, and the individual bears 1%.

With the reform of pension calculation and payment methods, according to national regulations, the state has established a personal account for basic old-age insurance for every employee since 1996 as a part of basic pension calculation and payment when employees retire. The scale of personal account establishment, the use and management of personal accounts mainly include five aspects:

(1) The scale of personal account is 1 1% of my paid salary, and it consists of two parts: individual payment and enterprise payment.

(two) the amount of personal account with reference to the interest rate of bank deposits in the same period of each year;

(3) Personal accounts are only used for providing for the aged and cannot be withdrawn in advance;

(4) When employees are transferred, personal accounts will be transferred accordingly;

(5) If an employee or retiree dies, the individual contributions in the individual account can be inherited.