What does Guangzhou mean by five insurances and one gold?

What does Guangzhou mean by five insurances and one gold?

What does Guangzhou mean by five insurances and one gold? Let's analyze what are the five insurances and one gold in Guangzhou and how to pay them.

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not. What needs to be emphasized here is that the statement that "those who are not registered in the workplace have no maternity insurance" is wrong. Maternity insurance covers employees with permanent residence in their city and foreigners with work residence permits in their city. Therefore, employees who are registered in non-working places can enjoy maternity insurance services only by applying for legal residence permits in this city.

Payment ratio of "five insurances and one gold"

Payment ratio of five insurances and one gold in Guangzhou

Pension insurance payment ratio: 20% for state-owned collective units, 0/2% for non-public units and 8% for individuals;

Proportion of medical insurance payment: 8%+0.26% for units (major diseases) and 2% for individuals;

Unemployment insurance payment ratio: 2% for the unit, 1% for urban individuals and 0% for non-urban individuals;

Industrial injury insurance: unit 1%, individual 0%;

Maternity insurance payment ratio: 0.85% for the unit, and no payment for the individual.

Payment ratio of provident fund: unit 8%, individual 8%~ 12%.

Payment ratio of five insurances and one gold in Beijing

Pension insurance payment ratio: 20% for the unit (of which 17% is included in the overall fund and 3% in the personal account) and 8% for the individual (all included in the personal account);

Medical insurance payment ratio: unit 10%, individual 2%+3 yuan;

Unemployment insurance payment ratio: unit 1.5%, individual 0.5%;

Industrial injury insurance: determine the industrial injury rate according to the industry scope of the unit;

Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual.

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. In principle, the maximum wage shall not exceed 10% of the average wage of employees in Beijing. Units and individuals are 7% of wages.

Shanghai five insurance and one gold payment ratio

Pension insurance payment ratio: unit 22%, individual 8%;

Proportion of medical insurance payment: unit 12%, individual 2%;

Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual;

Industrial injury insurance: 0.5% for the unit and 0% for the individual;

Maternity insurance payment ratio: 0.5% for the unit, and no payment for the individual.

Provident fund deposit ratio: both units and individuals are 7% of wages.

How much is five insurances and one gold?

The payment base of "three insurances and one gold"

Only old-age insurance, medical insurance, unemployment insurance and housing accumulation fund are jointly paid by companies and individuals, which is called "three insurances and one fund". The wages of employees are different, so it is necessary to determine a payment base.

The payment base is divided into upper limit, lower limit and between them. The determination of the payment base is related to the monthly wage income level of the local city. The payment base of various insurances is different, depending on the announcement of the local government local taxation bureau. Taking Guangzhou as an example, in 20 1 1 year, the contribution base of basic old-age insurance for enterprise employees in Guangzhou: the upper limit was raised from 9090 yuan to 10089 yuan, and the lower limit was raised from 18 18 yuan to 20 18 yuan; The monthly basic medical insurance payment base for urban workers in Guangzhou (excluding Panyu District, Huadu District, Conghua City and Zengcheng City): the upper limit is adjusted from 12303 yuan to 13623 yuan, and the lower limit is adjusted from 246 1 yuan to 2725 yuan; The monthly payment base of industrial injury insurance in Guangzhou: the upper limit is adjusted from 12303 yuan to 13623 yuan, and the lower limit is still 1300 yuan; Guangzhou monthly unemployment insurance payment base: the upper limit is adjusted from 12303 yuan to 13623 yuan, and the lower limit is still 1300 yuan; Guangzhou maternity insurance monthly payment base: the upper limit is adjusted from 12303 yuan to 13623 yuan, and the lower limit is adjusted from 246 1 yuan to 2725 yuan; The monthly deposit base of Guangzhou housing provident fund: the upper limit is adjusted to 22,705 yuan, and the lower limit is the salary below the upper limit. If your monthly salary is 2,500 yuan, then you have to pay endowment insurance: 2,500 * 8% = 200 yuan; Medical insurance: 2725*2%=54.5 yuan; Unemployment insurance:1300 *1%=13 yuan (urban and non-urban); Housing accumulation fund (assuming the contribution ratio is 8%): 2,500 * 8% = 200 yuan. "Three insurances and one gold" * * * Payment: 200+54.5+ 13+200=467.5 yuan.

Payment ratio of "three insurances and one gold"

Proportion of four contributions: individual contribution and company contribution.

Endowment insurance: base *8%+ base *20% (it seems that this ratio has been changed recently)

Medical insurance premium: base *2%+ base * 12%.

Unemployment insurance: base * 1%+ base *2%

Housing accumulation fund: base *7%+ base *7%

Among them, the individual pays 8%+2%+ 1%+7%= 18%, and the company pays 20%+12%+2%+7% = 41%,that is to say, the salary after deducting four gold is paid by the company.

How to transfer five insurances and one gold?

At present, the process of social security transfer in different places is: confirm that the social security of the original social security payment place has been settled, and get the social security transfer form with the resignation form of the original unit. After that, the social security payment is confirmed at the new social security payment place, and the social security account number already exists. Finally, with the new social security payment voucher, personal ID card and the social security transfer form issued by the original social security location, the social security account will be connected in different places in the current social security location.

According to the latest national social security policy, only the social security payment period is transferred, and the payment amount is not transferred. At present, the national transfer of social security has been carried out.

However, when you leave your job (especially when you are employed in a different place), you can settle part of the housing provident fund in one lump sum. Among them, the part paid by units and individuals can be obtained. Unless there are special regulations in some places.

How to handle five insurances and one gold?

1. For employees, social insurance is now commonly known as "five insurances and one gold". The specific five risks are: endowment insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance; One gold: housing accumulation fund.

"Housing accumulation fund": the specific units and individuals each bear 50% of the proportion, calculated according to the average annual salary of individuals. The state stipulates that the housing accumulation fund shall not be less than 10% of the salary, and the units with good benefits may be higher, and the employees and units shall bear 50% respectively. Therefore, paying the housing provident fund is very cost-effective for employees!

In terms of "five risks", according to the wages of employees, the sharing ratio between units and individuals is generally: pension insurance units bear 20%, and individuals bear 8%; 6% for medical insurance units and 2% for individuals; Unemployment insurance unit 2%, individual1%; 1% maternity insurance shall be borne by the unit; 0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

2. The handling situation is: if there is a work unit, it will be handled by the unit, and the individual will provide ID cards and photos; Those who have no work units can only participate in social insurance according to the situation of freelancers, and can only participate in endowment insurance and medical insurance. The payment of endowment insurance and medical insurance has specific provisions: endowment insurance: bring my ID card, unemployment certificate and two 1 inch photos to the business window of the local social security center. Medical insurance: after completing the formalities of endowment insurance, take the above materials and the well-run endowment insurance manual to the business window of the local medical insurance center. Just pay the fee normally according to the regulations!

3. General social insurance; Endowment insurance and medical insurance can be transferred and taken away with work.

4. Transfer of old-age insurance: find a new work unit, open an old-age insurance transfer form at the original unit, fill in the current work unit clearly (it is best to go through the original transfer procedures), and the social pension management department where the original unit is located will sign and seal the old-age insurance account transfer procedures, and the original unit will handle the old-age account reduction; Then go to the current unit to stamp for approval, and go through the formalities of accepting old-age care in the old-age insurance department where the current unit is located, and the number of people in the current unit will increase; After the transfer of old-age insurance, the current unit also participated in the old-age insurance for you. The two can be combined to calculate the payment period, and the retirement procedures will not be affected in the future! ! The transfer of medical insurance is basically the same.

5. Generally speaking, unemployment in the middle needs to pay social insurance on a monthly basis, or it can be interrupted according to its own situation;

6. Payment time can be determined according to relevant policies.

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