How much do you pay for five insurances a month?

How much you pay for five insurances a month depends on the specific regulations of your place.

Individuals need to pay 8% and units pay 22% for endowment insurance; Individuals pay 2% for medical insurance, and units pay10%; Individual payment of unemployment insurance 1%, and unit payment of 2%; Work injury insurance and maternity insurance are only paid by the unit, and individuals do not need to pay. Individuals and units pay the same proportion of housing provident fund, usually between 5%- 12%, and the specific proportion is determined by the employer. The specific amount of "five insurances and one gold" will vary according to the individual's salary base and local policies. Under normal circumstances, the overall payment ratio of "five insurances and one gold" is about 20% of the salary, but the specific amount needs to be calculated according to the local social insurance policy.

Social security contribution ratio:

1. Old-age insurance: Generally, both employers and individuals pay * * *, and the proportion of unit contributions is mostly 16%-20%, and the proportion of individual contributions is mostly around 8%;

2. Medical insurance: The unit contribution ratio is usually 6%- 10%, and the individual contribution ratio is about 2%. In some areas, there will be a fixed amount of personal account payment;

3. Unemployment insurance: the unit contribution ratio is generally 1%-2%, and the individual contribution ratio is low, usually around 0.5%;

4. Work-related injury insurance: it is paid entirely by the unit, and the proportion varies according to the risk level of the industry, usually between 0.5% and 2%;

5. Maternity insurance: it is also paid by the unit independently, and the payment ratio is generally between 0.5%- 1%. The overall payment amount depends on local policies and individual payment base.

To sum up, the payment of five insurances and one gold is influenced by the individual payment base and regional policies. Individuals need to pay 8% pension insurance, 2% medical insurance and 1% unemployment insurance, while units need to pay a higher proportion for employees, including 22% pension insurance, 10% medical insurance, 2% unemployment insurance, work injury and maternity insurance. The proportion of general housing provident fund is 5%-65,000.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Regulations on the administration of housing provident fund

Article 16

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.