What are the benefits of five insurances and one gold?

Five insurances and one gold have the following benefits:

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and the deposit bank will have interest tax;

3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death, and it will only increase with the improvement of social living standards, and the amount of capital increase will be adjusted every year to ensure the stability and reliability of old age life;

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated on-the-job payment reaches the minimum period, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement;

5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation, and the maternity insurance premium is entirely borne by the unit;

6. Payment of unemployment insurance benefits You can get unemployment insurance benefits and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies;

7. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit;

8. Paying the housing provident fund is equivalent to the unit depositing a tax-free income in proportion to you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; The housing provident fund loan interest rate is lower than the commercial loan interest rate;

9. After the implementation of the unified account pension insurance payment system, the actual payment period of social insurance has become the most convincing proof of the length of service of enterprises. More and more social security payment certificates are needed, such as the number of paid annual leave days confirmed by social services, and the loan needs to be paid in local social security for more than one year when real estate is regulated.

legal ground

Article 70 of the Labor Law of People's Republic of China (PRC)

The state develops social insurance, establishes social insurance system and social insurance fund, so that workers can get help and compensation in old age, illness, work injury, unemployment and childbirth. Article 58 of the Social Insurance Law of People's Republic of China (PRC).

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. Personal social security number is a citizen's identity number.