What are five insurances, one gold and one gold for?

1. What do you mean by five insurances and one gold?

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, which refers to providing for the aged.

Paying social insurance is a compulsory requirement of the state, and the provident fund is determined according to the benefits of enterprises. If the benefit is not good, you can determine the proportion by yourself, which does not belong to the category of social insurance.

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

The main functions of five insurances and one gold are as follows:

1, the more individuals pay, the more investment the unit will give you. Five insurances and one gold, the more individuals deduct each month, the more the unit will give you. Generally speaking, the unit invests five insurances and one gold for an employee every month, which is several times the amount deducted by the employee in that month.

2. Paying social security accumulation fund is tax-free. Personal income tax is not deducted from social security accumulation fund payment, personal income tax is not deducted from welfare collection, and interest tax is not deducted from special account. But if it is paid to me as a salary, personal income tax will be deducted, and if it is deposited in the bank, there will be interest tax.

3. Receive a pension every month to make the life of the elderly stable and reliable. Pay the old-age insurance to reach the minimum age, and after reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pensions can be received after death, and will only increase with the improvement of social living standards, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life.

4. You can get medical insurance reimbursement. If the on-the-job payment reaches the minimum age, after retirement, you can no longer continue to pay the basic medical expenses and enjoy medical insurance benefits higher than on-the-job reimbursement.

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

6. Receive unemployment benefits. Paying unemployment insurance can get unemployment insurance 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. Compensation for industrial accidents. Pay industrial injury insurance, and you can get compensation in case of industrial accident or occupational disease. Not afraid of 10 thousand, just afraid of one thousand, especially some major accidents, don't worry about small companies defaulting. Moreover, the work-related injury insurance premium is entirely borne by the unit.

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

9, the best proof of length of service. 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 enterprise service. More and more social security payment certificates are needed, such as proving social services to confirm the days of paid annual leave, for example, loans need to be paid in local social security for more than one year when real estate is regulated.

10, anti-inflation Don't worry too much about inflation or currency depreciation, because the pension treatment plan consists of two parts, and the personal account pension is completely formed by individual contributions. This branch has the same inflation risk as bank deposits. The basic pension is linked to the average wage of local society and the average wage of individual indexation, which is itself anti-inflation. After retirement, it will increase its capital every year with the local economic level. The more you pay, the longer you pay, and the higher the level of pension benefits after retirement.