Advantages and disadvantages of five insurances and one gold

Legal analysis: five insurances and one gold are a kind of social security, and there is no harm. The advantages of five insurances and one gold are:

1. Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age.

2, to participate in the basic medical insurance for employees, to reach the statutory retirement age, the cumulative payment has reached the number of years stipulated by the state, no longer pay the basic medical insurance premium after retirement, enjoy in accordance with state regulations.

Basic medical insurance benefits; 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.

3. Employees who are injured by accidents or suffer from occupational diseases due to work-related reasons shall enjoy work-related injury insurance benefits after being identified as work-related injuries; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability treatment.

4. If the unemployed meet the requirements, they will receive unemployment insurance money from the unemployment insurance fund.

5, the employer has paid maternity insurance, workers enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds come from maternity insurance. Pay in the fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.