Enterprises for employees to pay the five insurance and one gold including pension insurance medical insurance

The five insurance and one gold paid by the enterprise for the employees include pension insurance, medical insurance.

The five insurance includes medical insurance, pension insurance, maternity insurance, work injury insurance, unemployment insurance and provident fund. Among them, the pension insurance by the employer and the staff *** together to pay premiums, participate in the basic pension insurance employees, before reaching the legal retirement age, need to accumulate contributions for a total of 15 years, in order to retire after the monthly basic pension, if the more years of contributions, the more you can receive the pension after retirement.

1. Pension insurance

This pension insurance is the social security that the company or unit, pays to the employee. The percentage portion is usually 8% for individuals and 20% for organizations.

Many people will ask what the difference is between the social security paid by the organization and the social security paid by the individual as a flexible employee.

For example, if you work for a company and you pay $800, the company has to pay you $2,000. The $800 you pay goes into your personal account. The 2,000 yuan paid by the unit, into the co-ordinated account.

And individuals with flexible employment status to pay social security, pay 800 yuan a month, only 40% into the personal account. The remaining 60 percent goes into a pooled account.

Pension calculation retirement formula:

Basic pension = basic pension + personal account pension.

Basic pension = average monthly salary of employees in the previous year in the coordinated area at the time of retirement + my indexed average monthly contribution salary)/2 Years of contribution 1%

Personal account pension = individual account storage balance / number of months of payment.

Through this formula, we can know: the same is every month in the social security personal contribution of 800 yuan, the time period of contribution is also the same, but the pension after retirement, by the company unit to pay may be higher than their own separate payment, more than half.

2. Medical insurance

Medical insurance is medical insurance, the unit to the individual belongs to the urban workers medical insurance. Generally, individuals pay 2%, and then the company pays 12%.

The employee's health insurance card, every month will return part of the money. But this money is in the health insurance account, can not be taken out. It can only be used to buy drugs at a pharmacy or to get reimbursed at a hospital.

Of all the cities in the country, only Beijing's health insurance card can take out the money. In the case of Shanghai's health insurance card, the money can be used to buy commercial insurance.

All other places, the money in the card cannot be taken out. If you cash out, it is illegal.

The important thing to note here is that you can't stop paying your health insurance premiums or there will be a freeze period.

Like the Wuhan area, if you left the unit, the individual did not pay the health insurance in time, then your health insurance card can not be reimbursed in the hospital.

You have to pay for 6 consecutive months before your card is considered reactivated and can be used for hospital reimbursement.

3. Unemployment insurance

Unemployment insurance is 0.2% for individuals and 1% for organizations.

If you leave a company and don't find a new job, you can apply for unemployment benefits. (You can also receive it if your new workplace, doesn't pay five insurance and one pension.)

This application to receive unemployment benefits, you can go to the Social Security Administration, you can also directly on Alipay online to receive.

4. Worker's compensation insurance

Worker's compensation insurance does not need to be paid by the individual, the unit to pay the stabbing ratio is generally in the range of 0.5% - 2.0%.

You have an accident at work, or on the way to work, or on the way home from work, these are all part of the reimbursement of the workers' compensation insurance unit.

5. Maternity insurance

Maternity insurance does not require personal contributions, the cost is also the company or unit to pay, the contribution rate is 0.8%.

6. Provident fund

Provident fund can be said to be a great benefit for employees, because the money paid in it is real money, can be withdrawn.

The percentage of CPF contributions varies greatly, with some small organizations only willing to pay a minimum of 3% to their employees. Regular organizations, on the other hand, contribute at a rate of 12 percent.

Legal basis:

Social Insurance Law, Article 2 The State establishes a social insurance system for basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and other social insurance systems, to protect the right of citizens to obtain material assistance from the State and society in accordance with the law in the event of old age, illness, industrial injury, unemployment, maternity and other circumstances.