I don’t know what ＂five insurances and one gold＂ is. It is enough to read this article.
It’s graduation season
"Five insurances and one gold"
It is often when college students are looking for jobs.
Frequently mentioned words
however
Have you ever encountered such a situation? ……
What exactly is "five insurances and one gold"?
The employer "normally pays’ five insurances and one gold’"
What does it mean?
How does it protect your future?
Let’s unlock the detailed popular science with one click for everyone.
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What is "five insurances and one gold"?
The "five risks" are
Endowment insurance, medical insurance, unemployment insurance,
Industrial injury insurance and maternity insurance
That is what we often call "social security"
"One gold" is the housing accumulation fund.
endowment insurance
Individuals generally have to pay 8% of their wages, and units pay 16%; Accumulated payment of 15 years, life-long monthly pension after retirement, overpayment and overpayment, interruption of payment, and supplementary payment.
medical insurance
Pay 25 years for men and 20 years for women, and enjoy free medical insurance for life after retirement; The reimbursement function will be stopped in the next month, and there will be a waiting period after three months’ arrears, which cannot be restored immediately.
employment injury insurance
Work-related injury insurance is paid in full by the unit, and can be used for accidental injuries and occupational diseases during work and on the way to and from work; The scope of compensation includes medical expenses, disability allowance, living nursing expenses, etc.
unemployment insurance
After 12 months of payment, you can receive unemployment benefits on a monthly basis without voluntary resignation; The collection time is determined according to the accumulated years of payment, and the maximum time is 24 months at a time.
maternity insurance
It needs to be paid for 12 months before production, and it can only be used in the month of production and the month before, and can receive maternity allowance after delivery; Maternity expenses can be reimbursed, and paternity leave and salary can also be enjoyed. Male workers can also be reimbursed for carrying out fertility-related operations.
housing accumulation fund
Renting a house, building a house, buying a house, decoration and renovation, and major diseases can all apply for use; You can apply for a provident fund loan at the time of payment, and the interest rate is low, so you can cut off the payment, you can’t pay it back, and you can’t draw it when you cut off the payment.
Mode of social security payment by employer
"Pay in full": Pay according to your actual salary.
"Pay according to the minimum base": At present, you may get more money, but the long-term benefits will shrink!
"Pay after becoming a full member": illegal! Article 58 of the Social Insurance Law stipulates that an employer shall apply for social insurance registration for its employees within 30 days from the date of employment. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Even during the probation period, the employer and the employee have reached an agreement through consultation, and they have to pay social security fees!
The employer’s social security payment "rhetoric" is diverse.
Some units only explain "paying social security"
But the specific expression is vague
Everyone must ask clearly before joining the company.
Base, proportion and time of social security payment
These details are directly related to your welfare and rights.
Never be careless!
You should also keep relevant documents after joining the company.
Including social security card, provident fund account information, etc.
Check payroll regularly.
And the payment details of "five insurances and one gold"
Ensure that the company complies with the contract and legal provisions.
fulfil obligations
When the common sense of "five insurances and one gold" has been grasped by you.
It is time to unlock new knowledge!
"Five insurances and one gold" class
Popular science of industrial injury insurance
Many students’ understanding of work-related injury insurance
There are misunderstandings
"Don’t report a minor injury as a work-related injury ~"
"Sticking a band-aid is a disability?"
Some rights cannot be abandoned.
Some processes must be followed.
Check your work-related injury insurance science with one click.
Note: Work-related injuries can not be identified directly if they are injured on the way to and from work, but only if they are injured by traffic accidents or urban rail transit or passenger ferry on the way to and from work.
New social security regulations
The payment period is extended to 20 years.
The Measures of the State Council on Gradually Delaying the Statutory Retirement Age states: From January 1, 2030, the minimum payment period for employees to receive the basic pension on a monthly basis will be gradually increased from fifteen years to twenty years, with an annual increase of six months.
Specific implementation schedule
Retirees in 2025-2029: it can still be implemented according to the minimum payment period of 15 years;
Retirees after 2030: the payment period will increase by 6 months every year (for example, 15.5 years in 2030 and 16 years in 2031);
In 2039, it was fully unified into 20 years.
"Five insurances and one gold" seems complicated.
But it is our solid "armor" in the workplace
Master this knowledge well
The road to the future workplace
In order to walk more steadily and with more peace of mind ~
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Original title: "I don’t know what" five insurances and one gold "is? It’s enough to read this article.
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