What s the use of five insurances and one housing fund, do you have to pay it over? ?

Now the five insurances are common throughout the country, and one housing fund can be transferred or taken out after half a year.

Five insurances and one housing fund refer to endowment insurance, maternity insurance, medical insurance, work-related injury insurance, unemployment insurance, and housing provident fund.

1. Pension insurance should be paid for 15 years, and after reaching the statutory retirement age of 65 years old, you can receive a pension every month. Individuals contribute 8% of the average wage, and companies contribute 20% of the average wage.

2. Medical insurance is referred to as medical insurance, if you have a serious illness without medical insurance, you may spend all your savings in the hospital, but if you have medical insurance, you can be reimbursed, which can relieve most of the pressure. Individuals pay 2% and companies pay 9%.

3. Maternity insurance is very important for women, men can also enjoy maternity insurance when they pay their wives, most of the expenses of giving birth to children can be reimbursed with maternity insurance, and maternity allowance, maternity leave is not paid, but maternity insurance will be based on the salary base to pay maternity allowance. The contribution is 8% for the company. Individuals do not have to pay.

4. Unemployment insurance means that an unemployment benefit will be issued after becoming unemployed, but you need to pay unemployment benefits for 12 months before you can apply for it. 2% for companies and 1% for individuals.

5. Work-related injury insurance means that if an accident is encountered during work and is judged to be a work-related injury, you can receive compensation. Individuals do not need to pay, and the company's provident fund is used to take out a loan or pay a housing loan, but if the payment is less, the ratio is 1:1 for the individual company.

Five insurances and one housing fund are closely related to individuals, so it is recommended to pay them.

In accordance with Article 2 of the Social Insurance Law, the State establishes a social insurance system of basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., to guarantee citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about the records of payment and personal rights and interests, and to request the social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

This is also a guarantee for your future, so you should pay five insurances and one housing fund, so that you can also have a good guarantee for your future life, if not, then it is still very troublesome when you can't work in the future.

It is necessary to pay five insurances and one housing fund.

Legal Analysis: Yes. At present, these two types of insurance are generally included in the scope of social security payment of flexible employees, while flexible employees cannot participate in the birth and chiropractic insurance, work-related injury insurance and unemployment insurance, because these three insurance items require the employer to participate in the payment, and the flexible personnel do not work in the employer and do not have the conditions to pay.

The specific department to handle, the situation is different, the five insurances are generally levied by the social security department or the local taxation department, and a housing fund is generally levied by the housing provident fund management department or the local taxation department. However, the management department of the five insurances is the social security department, and the management department of the first housing fund is the housing provident fund management department.

Legal basis: Social Insurance Law of the People's Republic of China

Article 16 Individuals participating in the basic endowment insurance who have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Article 27 Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the State, and they will no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance benefits in accordance with the provisions of the State; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.

Article 33 Employees shall participate in work-related injury insurance, and the employer shall pay work-related injury insurance premiums, and employees shall not pay work-related injury insurance premiums.

Article 36 Where an employee is injured in an accident or suffers from an occupational disease due to work-related reasons, and the work-related injury is recognized, he or she shall enjoy work-related injury insurance benefits; Among them, those who lose their ability to work after the appraisal of their ability to work enjoy disability benefits.

The determination of work-related injuries and the evaluation of labor ability shall be simple and convenient.

Article 58 An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons who voluntarily participate in Hongye social insurance shall apply to the social insurance agency for social insurance registration.

The state shall establish a unified national number for individual social protection and impermeability. An individual's social security number is a citizenship number.

Five insurances and one housing fund are collectively referred to as several types of guaranteed benefits given to employees by Chinese employers. Five insurances refer to five kinds of social insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury vertical bucket such as insurance, maternity insurance, and one housing fund refers to the housing provident fund.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid the insurance by hand"pits"

Housing accumulation is a good thing.

Let's put it this way, if you pay 200 yuan to the provident fund every month, then the company also adds 200 yuan to your account every month, and you buy a house.

When it was 400 yuan, if you paid 50,000 yuan in your life, then you will have 100,000 yuan in your account, and everyone must not do this kind of good thing.

I want to refuse. The provident fund can be used to buy a house, pay off a loan, renovate or something, and if you can find land to build a house in your own home, then build a house.

can also be paid from the CPF.

If you don't use the money all the time, it seems like you can withdraw all the money when you retire eventually.

Supplementary Notes [5KB] for Advanced Chapters

Let's talk about the difference with Nanjing, the magic capital is not allowed not to pay medical insurance, that is to say, the rest of the pocket in the social security.

Including pension, medical care, unemployment, work-related injuries and childbirth, ask the enterprise to collect, but the provident fund can be paid or not, because this is subordinate to the provident fund.

Jurisdiction of the Centre.

The specific social security composition ratio is:

Pension insurance: the unit pays 22% for you every month, and you pay 8% yourself;

Medical insurance: the employer pays 12% for you every month, and you pay 2% yourself;

Unemployment insurance: the employer pays 2% for you every month, and you pay 1% yourself;

Work-related injury insurance: the employer pays for you every month, and you don't have to pay a penny yourself;

Maternity insurance: The unit pays for you every month, and you don't have to pay a penny yourself;

Housing Provident Fund: The unit pays 7% for you every month, and you pay 7% yourself

Supplementary Housing Provident Fund: The unit pays 8% for you every month, and you pay 8% yourself (this is only a state-owned enterprise with good general benefits.)

There will be, and the proportion is determined by the company itself, and the general company pays a provident fund is very moral).

Another thing to talk about is the relationship between social security and individual tax adjustment.

When paying the individual tax adjustment, the tax base is calculated after deducting the part of the personal deduction, but there is one thing to pay attention to.

The portion of the CPF and the Supplementary Provident Fund exceeding 12% (the part contributed by individuals and businesses) also needs to be counted in the taxable base.

For example, the 7% of the provident fund and 8% of the supplementary provident fund mentioned above add up to 15%, so the 3% part of the personal deduction should be calculated.

In the tax payable, at the same time, the 3% of the enterprise, although not deducted from the personal salary, is still counted in the tax payable.

In the base, that is, the individual has to pay for the tax adjustment of this expense.

Extended reading: How to buy [insurance] and which one is good, teach you how to avoid insurance"pits"