How to pay "six insurances and two gold"?

Five insurances and one gold change into six insurances and two gold? Clarify! Not all of them are required.

Recently, some media reported that supplementary medical insurance and enterprise annuity were added on the basis of "five insurances and one gold", which became "six insurances and two gold". In fact, supplementary medical insurance and enterprise annuity (a kind of supplementary old-age insurance) are paid voluntarily, not compulsory. Moreover, supplementary medical insurance and enterprise annuity have existed for a long time, but the newly promulgated enterprise annuity method was implemented in February this year. Don't misunderstand me.

Data map: social security card.

"Five insurances and one fund" include endowment insurance, medical insurance, maternity insurance, unemployment insurance, industrial injury insurance and housing accumulation fund.

Recently, some media reported that on the basis of "five insurances and one gold", supplementary medical insurance and enterprise annuity were added, which became "six insurances and two gold".

In this regard, many netizens mistakenly believe that these are two new treatments added by the state for employees, and enterprises must pay them forcibly. But in fact, supplementary medical insurance and enterprise annuity are voluntary, which have existed for a long time and are not new.

Data map: The elderly receive physical examination.

Let's talk about supplementary medical insurance, which is a supplementary form of basic medical insurance relative to basic medical insurance. According to the data of Ministry of Human Resources and Social Security, by the end of 20 16, there were 290.22 million employees participating in supplementary medical insurance nationwide.

Zhang Yinghua, an executive researcher at the World Social Security Research Center of China Academy of Social Sciences, told Zhongxin.com that supplementary medical insurance is the welfare that the unit (employer) increases for employees, and it is generally a commercial insurance purchased by a group. 1998 "the State Council's decision on establishing the basic medical insurance system for urban workers" stipulates that the supplementary medical insurance premium of enterprises shall be paid from the employee welfare fund within 4% of the total wages.

Zhang Yinghua explained that there is no uniform regulation on whether supplementary medical insurance is paid by individuals, and it varies from place to place. Can be paid by enterprises, but also by units and individuals to pay, withheld by the unit.

The reporter found that taking Beijing as an example, as early as 200 1 year, Beijing promulgated the Interim Measures for Supplementary Medical Insurance for Enterprises in Beijing, proposing that "enterprises participating in the basic medical insurance in this city can establish supplementary medical insurance for their employees and retirees (foreign-invested enterprises are limited to Chinese employees)".

Note that the method says "yes", not compulsory and compulsory payment. According to the Measures, enterprise supplementary medical insurance is mainly used to solve the medical expenses borne by retirees and the medical expenses that employees need to pay in hospital.

It is understood that the current threshold of medical insurance for employees in Beijing is 1.800 yuan, that is to say, from 1 in October to 1 in February, and 1 in February every year must spend 1.800 yuan, exceeding/kloc. Anything less than 1800 yuan will be paid.

In other words, if your medical insurance cost is less than 1800 yuan, which is not enough for reimbursement, then supplementary medical insurance will come in handy.

Data map: RMB.

Let's talk about enterprise annuity. Enterprise annuity is also called occupational annuity. It is a supplementary endowment insurance system independently established by enterprises and their employees through collective consultation on the basis of participating in the basic endowment insurance according to law. It is an important part of the second pillar of China's multi-level endowment insurance system.

In short, the enterprise annuity is a supplementary pension insurance. Employees' participation in enterprise annuity is conducive to increasing pension accumulation on the basis of basic old-age insurance and further improving their income level and quality of life after retirement.

It should be noted that the state encourages enterprises to establish enterprise annuities, but it is not mandatory.

And enterprise annuities have been around for many years. On June 6, 2004, the former Ministry of Labor and Social Security issued the Trial Measures for Enterprise Annuity. By the end of 20 16, 76,000 enterprises in China had established enterprise annuities, with 23.25 million employees and accumulated funds of 1. 1 trillion yuan.

In other words, the enterprise annuity is an old system that has been implemented for more than ten years, but the newly formulated enterprise annuity method will be officially implemented from February 18. The "Measures for Enterprise Annuity" issued this time is a revision and improvement of the "Trial Measures for Enterprise Annuity" in 2004.

According to the regulations, the expenses required for enterprise annuities are paid by enterprises and individual employees. The enterprise payment shall not exceed 8% of the total wages of the employees of the enterprise every year.

Data Map: Job Fair.

When it comes to enterprise annuity, many people say it's strange. This is because, compared with endowment insurance, the penetration rate of enterprise annuity is not high. In 20 16, the number of people participating in national endowment insurance was 887.77 million, while the number of people participating in enterprise annuity was only 23.25 million.

As for the low penetration rate of enterprise annuities, Zhang Yinghua said that this is mainly because enterprise annuities are voluntary, and many enterprises, especially small and medium-sized enterprises, have no motivation and ability to participate.

In addition, Zhang Yinghua said that the "Enterprise Annuity Measures" stipulated that the introduction of enterprise annuity plan must meet three conditions: participation in basic old-age insurance and fulfillment of payment obligations, corresponding economic affordability, and establishment of a collective consultation mechanism. These three conditions must be met at the same time. For many private enterprises, small and medium-sized enterprises and collective enterprises, it is difficult to meet them at the same time. The principle of voluntary establishment is adopted, and the employee mobility is large, so the participation rate is not high.