What's the difference between three risks and five risks? Does it affect the pension?

Three insurances are less than five insurances in industrial injury insurance and maternity insurance. The pension after retirement is not affected.

The same is true for retirement pension with five insurances and three insurances.

1, social security five insurance is pension, medical care, work injury, unemployment and maternity insurance; Social security three insurances are pension, medical care and industrial injury insurance, and paying social security three insurances means paying less unemployment and maternity insurance;

2. Pension, medical care and industrial injury insurance are all the same, and those who pay social security enjoy the same treatment.

As far as the five risks are concerned, the proportion of units and individuals is generally:

1, 20% for the endowment insurance unit and 8% for the individual;

2, medical insurance units bear six percent, individuals bear two percent;

3, unemployment insurance units bear two percent, individuals bear one percent;

4 maternity insurance premiums shall be borne by the unit by one percent;

5.0.8% of work-related injury insurance is also borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

What does the social security contribution base mean?

Social security payment base refers to the social insurance payment base of employees in a social security year. The social security payment base will be determined according to the average monthly income tax declared by employees in the previous year, which is an important basis for paying social security.

After the same payment year is determined, the social security payment base cannot be changed. February to May of each year is the time to declare the social security base of the next settlement year.

There are upper and lower limits on the social security payment base. The upper limit means that the part whose salary exceeds 300% of the average monthly salary of employees in the previous year is not included in the social security base. The lower limit means that if the salary is lower than 60% of the average monthly salary of employees in the previous year, 60% of the average monthly salary of employees in the previous year will be used as the social security base.

I hope the above questions can help you. If you have other legal questions, please consult a professional lawyer.

Legal basis: Article 4 of the Social Insurance Law of People's Republic of China (PRC) * * * Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.