How many years will it take to pay the five risks to be useful?

Five insurances and one gold need to be paid in years, as follows:

1. Endowment insurance: cumulative payment period 15 years;

2. Medical insurance: accumulated over 10 years, you can enjoy it directly for free after retirement, and you don't need to continue to pay;

3. Maternity insurance: you must pay maternity insurance for one year, and you must be insured when you give birth to enjoy maternity allowance;

4. Unemployment insurance: you must pay for one year to receive one month's unemployment benefits, and you can't enjoy unemployment benefits for more than 24 months at the longest, provided that you are involuntarily unemployed;

5. Housing provident fund: If the unit needs to pay the housing provident fund in full for 6 months, it can use the provident fund loan to buy a house; Individuals who pay the housing provident fund can use the provident fund loan to buy a house after 1 year.

Legal basis: Article 62 of People's Republic of China (PRC) Social Insurance Law.

If the employer fails to declare the amount of social insurance premiums that should be paid according to the regulations, the amount that should be paid shall be determined according to 1 10% of the amount paid by the unit last month; After the payment unit completes the declaration procedures, the social insurance fee collection agency shall make settlement in accordance with the provisions.

Article 63

If the employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.

If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.

If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, so as to offset the social insurance premium with the proceeds from the auction.

How to pay five insurances and one gold?

1. Local people with local household registration can purchase social security directly at the local local tax bureau, and the personal affiliated unit handles social security in the name of human resources company;

2. Non-local residents can't go directly to the Social Security Bureau to buy social security, but only buy social security for local employees through enterprises.