Jiangmen minimum standard of five insurances and one gold.

Jiangmen five insurance and one gold minimum standards are as follows:

1. If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year will be the payment base;

2. If the wage income of employees is lower than 60% of the local average wage of employees in the previous year, 60% of the local average wage of employees in the previous year shall be the payment base;

3, the employee's salary is between 300% and 60%, according to the actual declaration. When it is impossible to determine the wage income of employees, the payment base shall be determined according to the local average wage of employees in the previous year published by the local labor administrative department.

The conditions for paying five insurances and one gold are as follows:

1, establish a labor contract relationship with the employer and sign a labor contract;

2. The employer is a legal enterprise in China that has gone through the business license and other formalities and registered social security and housing provident fund according to regulations;

3. He is a legal citizen of China;

4. regardless of the household registration, you can apply for five insurances and one gold regardless of the town, rural area, foreign place and local area.

The information required for handling five insurances and one gold is as follows:

1. Company, labor contract, personnel increase form and salary certificate;

2. Individuals, copies of ID cards, photos, attrition tables or account numbers.

The conditions for receiving five insurances and one gold are as follows:

1, old-age insurance: the accumulated payment period reaches 15 or above, and you can receive a monthly pension after reaching the statutory retirement age;

2. Medical insurance: the payment period is 20-25 years, and you can enjoy medical insurance benefits for life after reaching retirement age;

3. Unemployment insurance: those who continuously pay 1 year or above and meet other conditions can receive unemployment benefits for up to 24 months;

4. Maternity insurance: after continuous payment of 1 year, you can reimburse the cost of birth check-up and delivery, receive maternity allowance and enjoy maternity leave;

5. Work-related injury insurance: As long as you pay work-related injury insurance, you can get work-related injury compensation during your work;

6. Housing accumulation fund

(1) If the unit needs to pay the housing provident fund in full for 6 months, it can use the provident fund loan to buy a house;

(2) If individuals need to pay the housing provident fund in full 1 year, they can use the provident fund loan to purchase houses.

To sum up, individuals need to pay 8% pension insurance, 2% medical insurance and 0.2% unemployment insurance. These three types of insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society according to law in cases of old age, illness, industrial injury, unemployment and maternity.

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.