4 insurance is which 4 insurance is a gold

Four insurance and one pension is five insurance and one pension. What we usually call social security refers to pension insurance, medical insurance, maternity insurance, industrial injury insurance, maternity insurance and housing fund. The five insurance and one pension are the benefits enjoyed by our employees. During their tenure in the company, the company has the responsibility to insure them against the five insurance and one pension, the premiums of which are paid by the company and the individual employee according to a certain percentage.

Difference between four insurance and one pension and five insurance and one pension

Five insurance and one pension is a collective term for several guaranteed benefits given by employers to their workers, including pension insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, as well as housing provident fund.

Strictly speaking, there are five major risks in the four insurance and one gold, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. One gold refers to the housing provident fund. Among them, pension insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while work injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not have to pay. It is important to note that the "four insurance" is legal, "one gold" is not legal.

The amount of money paid for the four insurance policies varies by region, and the base is based on gross wages. Some enterprises pay contributions with basic salary and related subsidies, while others pay only basic salary, which is illegal. The specific ratio should be consulted with the local labor department.

As for pension insurance, unemployment insurance and medical insurance, they can only be received as permitted by law and issued by the insurance department. For example, "pension insurance can only be until the legal age, unemployment insurance to the registered seat of the street office for unemployment and job search certificate in order to receive, that is to say, unemployed must have the will to find a job. If you are unemployed and do not want to work, you will not be able to get insurance benefits. In addition, the pension and the unemployment benefits can not be enjoyed at the same time.

The proportion of the four insurance and one pension payment standard

Social security contributions refers to the behavior of participating in various social security and paying insurance premiums. Generally speaking, it refers to the payment of pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. Social security is divided into unit contribution part and individual contribution part. The specific social security contributions are as follows:

Pension insurance, the unit pays 22 percent, the individual pays 8 percent;

Medical insurance, the unit pays 12 percent, the individual pays 2 percent;

Unemployment insurance, the unit pays 2 percent, the individual pays 1 percent;

On the premise of guaranteeing the insured person's social insurance treatment and the normal operation of social security fund, Shanghai further reduced the rates of pension insurance, medical insurance and unemployment insurance, with the total rate reduced by 2.5 percentage points.

After this adjustment, the total level of five social insurance premium rates for Shanghai employees is 43 percent. It is estimated that the burden on enterprises in 2016 could be reduced by about 13.5 billion yuan. The new rate standard will be implemented from January 1 this year, and the social insurance premiums paid by enterprises since January 1 will be returned to them after liquidation.