Minimum standard of five insurances and one gold in Hefei

The minimum standard of five insurances and one gold varies from place to place. The specific analysis of Hefei's five insurances and one gold is as follows:

Minimum payment amount of endowment insurance: unit: 3017.01*16% = 482.72 yuan; Personal: 3017.01* 8% = 241.36 yuan.

Minimum payment amount of medical insurance: unit: 3017.01* 8% = 241.36 yuan; Individual: 30 17.0 1*2%=60.34 yuan.

Minimum payment amount of unemployment insurance: unit: 3017.01* 0.5% =15.09 yuan; Individual: 3017.01* 0.5% =15.09 yuan.

Minimum payment amount of maternity insurance: 0 yuan; Personal: 0 yuan.

Minimum payment amount of industrial injury insurance: unit: determined according to the industry; Personal: 0 yuan.

Minimum deposit of housing provident fund: unit: 1550*5%=78 yuan; Personal: 1550*5%=78 yuan.

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" project, which is legally necessary, and paying it also means an obligation.

deal with

(1) social security and provident fund account opening

Enterprises need to open accounts for social security and provident fund at the Social Security Bureau and the Provident Fund Center within 30 days from the date of establishment. After opening a social security account, you will get the social security registration certificate, and after opening a provident fund account, you will get the unit provident fund registration number.

(2) Increase or decrease personnel

Every month, the company will add new employees to the company's five insurance and one gold account and delete employees who have left the company from the account. Social security and provident fund accounts are two independent accounts, and the operation of increasing or decreasing employees must be carried out in two accounts.

(3) Confirm the payment base

The unit needs to declare the correct payment base of five insurances and one gold for employees every month to ensure the normal payment of five insurances and one gold. The payment base of five insurances and one gold is the average salary of employees in the previous year or the salary in the first month of employment.

(4) Five insurances and one gold payment

Enterprises, banks, social security/provident fund management institutions sign bank payment agreements, and directly deduct five insurances and one gold fee from the enterprise bank account at a fixed time every month. Of course, enterprises can also choose cash or check to pay at the site of the five insurance and one gold management institution.

function

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.

danger

Many start-ups, in order to save costs, pay less or even no employees' five insurances and one gold, will face some risks:

According to "Social Insurance Law" and "Regulations on the Management of Housing Provident Fund", if an enterprise fails to pay social security for its employees in full and on time, it will be charged a late fee of five ten thousandths, or even a fine of more than three times the unpaid amount 1 times; Those who fail to pay the provident fund within the time limit will be fined 1 1,000 yuan to 50,000 yuan.

In reality, if employees file an arbitration or lawsuit because the enterprise fails to pay the social security accumulation fund for them normally, the loser is basically the enterprise.