Withdrawal of employee insurance ratio

Nowadays job seekers

Five insurance and one gold is the employer to give the workers of the five kinds of security treatment of the general name, including pension insurance,

medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing fund. The five insurance is legal, housing fund is not legal, which is why some units only give employees to pay five insurance and not to pay the housing fund reason. Often people will ask me, pay five insurance and one gold every month the company will pay me how much money? Why every month five insurance a gold I contribute to the amount of money and someone different, I can only answer that we are in accordance with national standards to pay, because your salary base is different so the standard of contribution is different. Five insurance premium contribution ratio is roughly like this: pension insurance unit each month for the individual to pay 21% of wages, their own contribution of 8%; medical insurance unit each month for the individual to pay 9%, their own contribution of 2%; unemployment insurance unit each month for the individual to pay 0.5%; maternity insurance unit each month for the individual to pay 0.8%; housing provident fund their own contribution of 8%, the unit to pay 8%, so that's why the job seekers are looking for the unit to contribute money and someone different. That's why job seekers hope that the unit for their own five insurance and one gold reason, compared with their own insurance is really very cost-effective. Then five insurance and gold in the end can not be advanced to lead out? The answer is: no. But if an individual dies, his or her pension insurance personal account balance can be inherited (but need to go to the local social security department to claim). If an individual goes to work abroad, according to the Social Security Law, pension insurance can be transferred and continued across provinces. The Housing Provident Fund, under the management of the Housing Provident Fund Management Center, according to the State Council's "Housing Provident Fund Management Regulations" stipulates that: employees can withdraw the stored balance of their Housing Provident Fund accounts under one of the following circumstances:

(a) purchase, construction, renovation, overhauling of their own housing;

(b) retirement, retirement;

(c) total loss of labor capacity, and termination of labor relations with the unit

(iii) total loss of labor capacity and termination of labor relations with the unit;

(iv) settlement abroad;

(v) repayment of the principal and interest on the loan for the purchase of a home;

(vi) rent exceeding the prescribed percentage of household income. However, in accordance with the relevant provisions of the withdrawal of the employee's housing fund, the employee's housing fund account should be canceled.

That is to say, the employee's five insurance is not at all can not be claimed, a gold in line with the relevant provisions of the case can be claimed, I hope that every employee can effectively understand the five insurance and gold, so that five insurance and gold really benefit for themselves.

Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"