Can low-income households enter social insurance with five insurances and one gold?

With the deepening of poverty alleviation, there are fewer and fewer poor people, but there are still some low-income households. Low-income households can enjoy certain government subsidies, but if they want to completely improve their family life, they need to participate in social work. So can low-income households use five insurances and one gold to enter social insurance? Let's take a look together. First, can low-income households enter social insurance with five insurances and one gold?

The subsistence allowance and social security "five insurances and one gold" do not conflict. Eligible materials can be paid normally.

What are five insurances and one gold?

Five insurances and one gold include endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. The role of five insurances and one fund is becoming more and more important, which has become the basic condition for many enterprises to recruit talents.

In reality, the more developed areas, the higher the employees' attention to five insurances and one gold. Especially in first-tier cities, because it is linked to the qualification of buying a house and a car, five insurances and one gold have become an important criterion for finding a job.

1, endowment insurance

Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age. Those who have paid the old-age insurance for more than 0/5 years and reached the statutory retirement age can enjoy the old-age insurance benefits.

2. Unemployment insurance

Unemployment insurance refers to a system that is enforced by the state through legislation, and the employers, employees' individual contributions and state financial subsidies jointly raise funds to establish an unemployment insurance fund to provide material help to workers who have temporarily suspended their lives due to unemployment, to ensure their basic livelihood, and to create conditions for their re-employment through vocational training and employment introduction. Unemployment insurance has been paid continuously for more than one year, and you can enjoy unemployment insurance benefits after the files are returned to the street.

3. Work injury insurance

If an accident happens unfortunately during the contract period, the industrial injury insurance needs to ask the enterprise for a description of the situation and affix the official seal of the enterprise, and the injured employee should apply for industrial injury identification as soon as possible.

4. Maternity insurance

Maternity insurance can reimburse maternity-related expenses, including maternity allowance, maternity medical expenses, family planning operation medical expenses and other maternity-related expenses stipulated by the state and this Municipality.

5. Medical insurance

Medical insurance refers to the insurance that pays the insurance premium on the condition that the medical behavior agreed in the insurance contract occurs, and provides protection for the medical expenses of the insured during the medical treatment.

6. Housing accumulation fund

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

Third, the unit did not buy five insurances and one gold?

Report to the relevant departments. According to the law, it is illegal for the unit not to buy five insurances and one gold for its employees, and it will be fined.

People's Republic of China (PRC) social insurance law

Eighty-fourth employers do not apply for social insurance registration, the social insurance administrative department shall order them to make corrections within a time limit; If no correction is made within the time limit, the employer shall be fined between one and three times the amount of social insurance premiums payable, and the directly responsible person in charge and other directly responsible personnel shall be fined between 500 yuan and 3,000 yuan.

Article 86 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay within a time limit or make up for it, and from the date of default, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.

The above is a detailed introduction of five insurances and one gold for low-income households. After the members of the low-income households participate in the work, the unit can pay five insurances and one gold for them. No conflict, paying five insurances and one gold is also a good thing for low-income families.