How do enterprises pay five insurances and one gold?

National Development and Reform Commission, Ministry of Industry and Information Technology and Ministry of Finance:

1. Endowment insurance: the unit pays 19%, and the individual pays 8%. There are two conditions for receiving pension insurance benefits: you must reach the statutory retirement age and the payment period must reach 15 years or more.

2. Medical insurance: the unit pays 6% and the individual pays 2%. From the date of insurance payment, employees can enjoy basic medical insurance benefits after 6 months.

3. Work-related injury insurance: paid by the employer. The industrial injury insurance rate is divided into 8 grades of 0.6%-3.6% * *, and the social security agency will verify the rate according to the characteristics of the industry to which the unit belongs.

4. Maternity insurance: paid by the employer. Maternity insurance rate is 0.3%. Male workers participate in maternity insurance, and if their wives are not insured, they can also enjoy certain maternity allowance when giving birth.

5. Unemployment insurance: the unit pays 0.6% and the individual pays 0.4%. Unemployment insurance can only be enjoyed after paying for one year. Generally, it is paid for two months in one year and four months in two years, but the longest period of enjoyment cannot exceed 24 months.

6. Housing accumulation fund: units and individuals pay the same amount. Housing provident fund must be deposited continuously for 6 months before it can be applied for use. It has two purposes: one is to apply for loans such as house purchase or decoration, and the other is to withdraw cash directly from the account.

7. Freelancers and flexible employees can participate in the basic old-age insurance for urban and rural residents, basic medical insurance for urban and rural residents, basic old-age insurance for enterprise employees and basic medical insurance for enterprise employees.

1. The contribution rate of the social security provident fund company is 43.5%.

(Pension 20%+ medical care 8%+ unemployment 2%+ maternity 1%+ work injury 0.5%+ provident fund 12%).

Two, the proportion of individual contributions to social security provident fund is 23%.

(Pension 8%+ medical care 2%+ unemployment 1%+ provident fund 12%).

If the monthly salary is 1 10,000 yuan, the payment standard shall be paid according to the salary base. In addition to the monthly salary 10000 yuan, the company will also pay 4,350 yuan for five insurances and one gold, and 2,300 yuan for individuals, which can be deducted before tax. If the monthly salary exceeds 10000 yuan, due to the highest payment standard, according to the above assumption, the maximum amount paid by the company for individuals is 4350 yuan.

The proportion of individual's actual salary to the company's total expenditure is as follows:

When wages are low, the proportion of wages is mainly affected by five insurances and one gold.

Wage increases, five insurances and one gold remain unchanged, and the hand-to-hand ratio is mainly affected by the excessive progressive tax rate.

Wages tend to be infinite, and the proportion of wages will be infinitely close to 55%, because the highest marginal tax rate of wages is 45%