What are five insurances and one gold? What's the use of each?

Five insurances and one gold refer to social security and housing accumulation fund.

Social security is divided into endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; One gold is the housing accumulation fund.

In the same payment year, the payment base is fixed for one year and will not be changed halfway. From April to June every year, the employer shall declare the social insurance payment base of its employees in the new year according to the notice of the local social insurance agency.

Based on the company's purchase of full social insurance, the calculation is as follows:

1, medical insurance: 2% for individuals and 8% for units;

2. Endowment insurance: 8% for individuals and 20% for units;

3. Unemployment insurance: individual 1%, unit 2%;

4. Industrial injury insurance: no individual, unit1%;

5. Maternity insurance: no individual, unit1%;

6. Provident fund: individual 10%, unit 10%.

Work injury and maternity insurance expenses shall be borne by the unit.

Extended data:

The pension insurance must be paid continuously for 15 years, and the pension can only be received at retirement age. The more you give before retirement, the more you get after retirement. Pensions are adjusted every year to allow the elderly to spend their old age safely.

Don't cut off the medical insurance easily, and make it up as soon as possible within 3 months, otherwise the social security card will be frozen and cannot be reimbursed. Friends who intend to leave or change jobs should pay attention to the renewal of social security.

It should be noted that industrial injury insurance can only be used within 48 hours, and then it cannot be used. For example, employees suffering from chronic diseases such as heart disease and hypertension can enjoy work-related injury insurance within 48 hours if they suddenly get sick at work, but after 48 hours, work-related injury insurance will not play any role at this time.

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