What five kinds of insurance do you need to buy for work?

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.

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.

Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees were merged in some pilot areas, and the inspection expenses were reimbursed together with general medical expenses. The pilot period is about one year. The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy maternity insurance benefits.

Extended data:

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. Specifically, the functions of five insurances and one gold are shown in the following table:

Risk:

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.

Payment ratio:

The company with five insurances and one gold needs to bear part of it and deduct it directly from the company's bank account, and the employees also need to bear part of it and deduct it from the employee's salary. Because different places are different, taking Beijing as an example, we hire a product manager with a monthly salary of 1000 yuan, and the monthly social security and provident fund expenses are as follows:

In other words, for enterprises, in addition to the monthly salary of 10000 yuan, they also need to pay an additional 43 10 yuan for five insurances and one gold; For employees, the salary of 10000 yuan can only be obtained after deducting 2223 yuan for five insurances and one gold, and then deducting personal income tax, so the actual salary of employees is less than 7500 yuan.

Handle:

(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.

Policy Express:

1. maternity and medical insurance pilots will be merged to improve the treatment in some areas.

2065438+February 2007, the "Pilot Program for the Implementation of the Combination of Maternity Insurance and Employee Basic Medical Insurance" issued by the General Office of the State Council was announced, which will be carried out in Handan City, Hebei Province, Jinzhong City, Shanxi Province, Shenyang City, Liaoning Province, Taizhou City, Jiangsu Province, Hefei City, Henan Province, Weihai City, Zhengzhou City, Yueyang City, Hunan Province, Zhuhai City, Chongqing City, Neijiang City, Sichuan Province and Kunming City, Yunnan Province.

On 20 17, the pilot will be started before the end of June, and the pilot period will be about one year. Some places have introduced specific implementation plans for the combined implementation of maternity and medical insurance.

What impact will the combined implementation of maternity and medical insurance have on social security benefits? One of the principles of the pilot is to ensure that the treatment will not be reduced. In some places with high reimbursement rates, maternity insurance benefits will be improved.

2. You can use the function of National Social Security Card 102.

According to relevant information from Ministry of Human Resources and Social Security, all the functions of 102 of social security card will be opened at the end of 20 17. Social security cards can directly handle various personal and social affairs across businesses and regions, and open the integrated application of various government services, basically realizing the national social security card.

At that time, the social security card can not only be used to see a doctor and buy medicines, but also receive various social security benefits such as pensions and unemployment benefits, and can be used as a bank card.

Moreover, in 20 17, the third generation social security card will be piloted in some places, adding the non-contact function of "passing by" and the application scenarios will be wider. It can be said that in the future, I will not be afraid to travel around China with my social security card in my hand.

3. Before the end of June, start the transfer platform of provident fund in different places to realize "accounts go with people and money goes with accounts".

It is reported that the Ministry of Housing and Urban-Rural Development is accelerating the construction of a national housing provident fund transfer and connection platform, which will be launched before the end of June to realize "accounts go with people and money goes with accounts". At the same time, we will vigorously promote off-site loan services to meet the funding needs of paid employees for cross-regional housing purchases.

After the opening of the platform, housing provident fund management centers across the country can handle the transfer and connection of housing provident fund in different places for employees who are employed across provinces on the platform. In the future, employees who are employed across provinces and cities will apply for the transfer of housing provident fund in different places without going back and forth, as long as they are transferred to the place.

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