Ten common sense of five insurances and one gold

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

"Five insurances" refers to five insurances, namely, endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. In the "five insurances", the old-age insurance, medical insurance and unemployment insurance are jointly paid by employers and individuals, while the work injury insurance and maternity insurance are completely paid by employers, and individuals do not need to pay; "One gold" is also paid by employers and individuals. It should be noted here that "five insurances and one gold" are legal. Here, Carefree Future appeals to all job seekers not only to calculate their salary income, but also to grasp the basic rights and interests that individuals deserve, so as to lay a solid foundation for their long-term career and even longer life. Next, briefly introduce the basic common sense you must know:

endowment insurance

Basic pension = average monthly salary of employees in the whole city one year before retirement × cumulative percentage of actual payment years (65438+ 0% of each payment year)+principal and interest of personal account and payment months (payment months are different due to different retirement ages). The monthly standard of basic pension is based on the average monthly salary of employees in the city in the previous year when applying for basic pension procedures; The payment period is 1 year 1%. If the payment period is n years, the cumulative percentage of the actual payment period is N%.

medical insurance

When the payment is over 1 month, the employee's personal medical insurance account will take effect; Accumulated payment for 6 months can be used for reimbursement of medical expenses; A total of 25 years, employees can enjoy life after retirement. What I want to say here is that the proportion of employees who use medical insurance to reimburse medical expenses varies from place to place, from person to person, from illness to hospital. You can go to the social security center where you work.

unemployment insurance

Unemployment insurance is based on the local minimum wage:

(1) If the cumulative payment time exceeds 1 less than 2 years, it will be paid in 3 months;

(2) 6 months if the cumulative payment time is more than 2 years but less than 3 years;

(3) 9 months if the cumulative payment time is more than 3 years but less than 4 years;

(4) 12 months if the cumulative payment time is more than 4 years but less than 5 years;

(5) If the accumulated payment time exceeds 5 years, it shall be calculated as 1 month for each full year, and the longest period shall not exceed 24 months.

employment injury insurance

(1) If the insured is identified as Grade I to Grade IV due to work-related injuries, he shall enjoy the following guarantees:

Disability pension is paid monthly, and the standard is 90% to 75% of my salary. Among them: grade I 90%, grade II 85%, grade III 80% and grade IV 75%; Payment of one-time disability allowance, the standard is equivalent to the salary of the disabled employee himself 18 to 24 months. Among them: grade I 24 months, grade II 22 months, grade III 20 months, grade IV 18 months;

(two) work-related disability was identified as five to ten, enjoy the following protection:

According to the level of disability, one-time disability subsidies are given respectively, and the standard is equivalent to the salary of disabled employees for 6 to 16 months. Among them: grade five 16 months, grade six 14 months, grade seven 12 months, grade eight 10 months, grade nine 8 months and grade ten 6 months; If the insured needs nursing after being appraised by the labor appraisal committee, the nursing fee shall be paid monthly. Nursing expenses are paid according to three grades: complete nursing dependence, most nursing dependence and part nursing dependence, respectively, according to 50%, 40% and 30% of the average monthly salary of employees in this city last year;

(3) Death at work:

Dependent relatives' pensions are paid monthly, spouses are paid monthly at 40% of the average monthly salary of employees in this city in the previous year, other dependent relatives are paid monthly at 30%, and widowed old people or orphans are paid monthly at 50% until they lose their support conditions; The total pension shall not exceed the average monthly salary of employees in this Municipality in the previous year. Give a one-time subsidy for the death of dependent relatives. The standard is the average monthly salary of employees in this city in the previous year for 48 months. Pay funeral subsidies according to the standard of the average monthly salary of employees in this Municipality for 6 months last year;

maternity insurance

Maternity insurance expenses mainly include: maternity allowance, maternity medical expenses, family planning operation medical expenses, and other maternity-related expenses stipulated by the state and this Municipality. Maternity allowance is calculated according to the payment base of the month when female employees give birth divided by 30 and multiplied by the number of days of maternity leave. Maternity allowance is the salary of female employees during maternity leave. If the maternity allowance is lower than my salary standard, the difference shall be made up by the employer. Maternity medical expenses include medical examination expenses, delivery expenses, operation expenses, hospitalization expenses and medicine expenses incurred by female employees due to pregnancy and childbirth. The medical expenses of family planning operation include the medical expenses incurred by employees due to family planning.

housing accumulation fund

In any of the following circumstances, employees may withdraw the storage balance in the individual housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) Having reached the statutory retirement age of the country, or having gone through formal retirement procedures;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(five) to repay the principal and interest of the purchase of owner-occupied housing loans;

(six) to pay the rent for self-occupied housing more than 0.5% of the family's monthly income;

(seven) are enjoying the minimum living allowance for urban residents;

(eight) I, my spouse and their immediate family members have caused serious difficulties in family life due to major diseases;

(nine) the occurrence of unexpected events, causing serious difficulties in family life;

(ten) unemployment for more than two consecutive years, the per capita monthly income of the family is lower than the minimum wage income in the region, and the family life is seriously difficult;

(eleven) workers died during service, there are heirs or legatees to receive;

(twelve) the employee is a non-local registered permanent residence in agricultural registered permanent residence and terminates the labor relationship with his unit.

1. Can social security be paid by individuals?

A: No, according to the provisions of China's Labor Law and Social Insurance Law, social insurance is a statutory employment insurance jointly paid by employers and workers. The part that the individual laborer should pay shall be withheld from the monthly salary by the employer. Compared with other countries in the world, China's social insurance ratio is not very low. According to the statistics of provinces and cities in China, the social security burden of employers is roughly in the range of 30% ~ 37%, and that of individuals is roughly around 1 1%.

The payment base is a multiplier used in calculating social insurance premiums. The base is determined according to the individual salary standard of employees, and some provinces and cities are fixed in January and some are fixed in one year. Provinces and cities will set the upper and lower limits of the social security base according to their average wages. Assume that the lower limit of social security base is 2500 yuan, and employees whose wages are less than 2500 yuan also pay social security according to 2500 yuan.

When employees are employed by the unit, in addition to paying social insurance, they should also pay housing provident fund for employees with urban household registration. Housing accumulation fund is a cooperative fund pool to solve the housing problem of employees. Its loan interest rate is lower than that of commercial loans. The proportion of compulsory housing provident fund payment in all provinces and cities in China is roughly between 7%- 12%, and all units and individuals pay according to this proportion. In addition, conditional units can also pay the housing provident fund.

2. Is Lu Yu's leaving work early a work-related injury?

Go to work on time normally without any disputes. However, if employees do not abide by the rules and regulations of the unit, do not abide by the labor contracts of both parties, and leave the unit without authorization, is it "on the way to and from work"? This is a problem.

One view is that employees leave home early during normal working hours without the approval of unit leaders and other legitimate reasons, which belongs to leaving their posts without authorization and does not belong to normal work. Traffic accident injuries suffered in this process cannot be treated as traffic accident injuries suffered on the way to and from work.

Another view is that the Industrial Injury Insurance Ordinance does not restrict "commuting". Although employees leave their jobs early, they violate labor discipline and should be punished by labor discipline, which belongs to another legal relationship. So leaving early can't change the fact that employees are on their way off work.

The arbitration court in China has no clear guidance on this issue, and arbitrators and judges will make decisions according to the actual situation. Although many cases supporting the second view can be found on the Internet, it should be noted that some of these cases are because employers can't prove that workers leave early, thus avoiding this problem.

3. Can I transfer social security by moving to other cities to work?

The State Council issued "the State Council's Opinions on Establishing a Unified Basic Old-age Insurance System for Urban and Rural Residents", which pointed out that all contributions made by other social and economic organizations, charitable organizations and individuals to the insured were credited to personal accounts. The amount stored in individual accounts shall bear interest according to the provisions of the state. The "Opinions" put forward that those who participate in the endowment insurance for urban and rural residents need to transfer the endowment insurance relationship between urban and rural residents across regions during the payment period, and can apply for the transfer of the endowment insurance relationship at the place where they move in, and transfer all the storage amount of their personal accounts at one time, and continue to participate in the insurance payment according to the regulations of the place where they move in, and the payment period is calculated cumulatively; Persons who have received pension insurance benefits for urban and rural residents according to regulations, regardless of whether the household registration is transferred or not, their pension insurance relationship is not transferred.