Five insurance and one gold process

Legal analysis: Five insurances and one gold are the general names of several kinds of security benefits granted to workers by employers, and the procedures for handling are mainly as follows:

(1) To open a social security and provident fund account, an enterprise needs to open a social security and provident fund account with the Social Security Bureau and the Provident Fund Center within 30 days from its 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) Units that increase or decrease employees must add the newly-added employees to their five insurance and one gold accounts every month, and delete the employees who have left the company from the accounts. 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 company 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) Payment of five insurances and one fund If the enterprise, the bank and the social security/provident fund management institution have signed a bank payment agreement, the payment of five insurances and one fund will be directly deducted 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.

Legal basis: Article 27 of People's Republic of China (PRC) Social Insurance Law. Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits according to the provisions of the state if they reach the statutory retirement age and the accumulated payment reaches the fixed number of years stipulated by the state. Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.