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Take you to understand five insurances and one housing fund.
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Relatives in the workplace should be no stranger to five insurances and one housing fund. This important right protects all aspects of life and deserves the attention of every worker in the workplace.
The five insurances refer to endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; One gold refers to the housing provident fund.
At present, China has reduced the contribution rate of pension insurance units and unemployment insurance rates in stages.
1. Endowment insurance.
Endowment insurance generally refers to basic endowment insurance. Pension insurance generally has to be paid for 15 years, and when you retire, you can enjoy the basic pension for life. Therefore, those who want to receive a pension must pay for 15 years before they retire.
This means that pension insurance has a job to pay, and if you don't have a job, you should also pay it.
2. Medical insurance.
The medical insurance for urban employees shall be handled by the enterprise for the employees. Among them, the personal account pays for outpatient and emergency medical expenses, and the cost of purchasing drugs at designated retail pharmacies. At present, you can see a doctor and buy drugs by swiping your social security card, and you can reimburse medical expenses when you are hospitalized.
3. Unemployment insurance.
Unemployment insurance is handled by the unit for the employees, and the workers who have temporarily interrupted their lives due to unemployment are provided with material assistance, and they must be registered in the street before they can apply for use.
4. Work-related injury insurance.
The employer shall bear the full cost of the work-related injury insurance. The employer's contribution amount shall be the product of the total salary of the employees of the employer multiplied by the contribution rate of the employer.
If the injured employee has been assessed for disability and confirmed by the Labor Pure Elimination Ability Appraisal Committee to be in need of life care, the living care expenses shall be paid on a monthly basis from the work-related injury insurance**.
5. Maternity insurance.
After a female employee who participates in maternity insurance gives birth or has a miscarriage, her maternity allowance and maternity medical expenses shall be paid by maternity insurance**, and shall be calculated and paid according to the average monthly salary of employees in the previous year of the enterprise. However, if you are a male employee, your wife does not have a job or the employer does not pay the insurance, and you have paid the maternity insurance for more than 1 year when she gives birth, then you can also be reimbursed for the maternity insurance.
6. Housing provident fund.
Housing provident fund refers to the long-term housing savings fund paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, public institutions, private non-enterprise units, social organizations (hereinafter collectively referred to as units) and their employees. If you contribute $300 per month, the company will also need to transfer $300 to your account every month.
Housing provident fund can not only buy a house, but also pay rent for rent, build, renovate, overhaul housing, ** major illness of course, the specific use of housing provident fund also needs to consult the relevant local departments.
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Inter-provincial social security process.
1. Required information:
1. The social security of the receiving place shall issue a "Letter of Acceptance", which must provide the ID number of the transferor, the name of the bank where the social security is located and the social security account number of the place of transfer.
2. I must go to the company with the "Letter of Acceptance", social security handbook, and termination of contract to go through the procedures for social security transfer. When the transfer procedures are handled, Shengshi Human Resources Company will issue the "Pension Insurance Transfer List" and "Pension Insurance Account Details" to the transferor.
3. I must take the "Pension Insurance Transfer List" issued by the company to the medical insurance office to go through the medical insurance transfer procedures and medical insurance account settlement procedures.
II. Transfer Procedure:
Step 1: Before the insured moves across provinces, go to the social security institution in the original place of insurance to issue the "Basic Pension Insurance Payment Certificate".
Step 2: The insured person applies for the continuation of the relationship with the social security institution of the new place of employment with the payment voucher, household registration, ID card, etc.
Step 3: The social security institution of the new place of employment will review whether the applicant is eligible within 15 working days.
Step 4: Within 15 working days after receiving the "Contact Letter", the social security institution of the original place of insurance will clean up whether there is any arrears in the applicant's insurance payment and handle the transfer of pension insurance, terminate the applicant's local insurance relationship, and issue the "Basic Pension Insurance Relationship Transfer and Continuation Information Form" to the new insurance place.
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Five insurances and one housing fund refer to endowment insurance, medical insurance, unemployment insurance, maternity insurance, and work-related injury insurance, plus housing provident fund to pay five insurances and one housing fund.
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Five insurances and one housing fund refer to the collective protection treatment given by the employer to the workers, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, as well as housing provident fund, of which endowment insurance, medical insurance, and unemployment insurance are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are fully borne by the enterprise.
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Legal analysis: Five social insurances and one housing fund are China's first social security system for citizens, and it is also a social security system, which refers to the collective name of several kinds of protective treatment given by employers to employees. The five insurances refer to the five types of social insurance, namely:
Endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and one housing fund refers to the housing provident fund. Their contributions need to be shared by both the employer and the individual.
Legal basis: Social Insurance Law of the People's Republic of China
Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure the right of citizens with disabilities to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.
Article 3: The social insurance system adheres to the principles of wide coverage, basic protection, multi-level, and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.
Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.
Individuals who enjoy social insurance benefits in accordance with the law have the right to supervise their own units' contributions.
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<><1.Daily financial literacy.
2.[Five insurances and one housing fund] refers to the collective name of several types of protective benefits given by the employer to other employees, including 115 insurances: pension insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.
3.The "five insurances" are statutory, while the "one housing fund" is not statutory.
4.【Endowment Insurance】Endowment Insurance. After paying for 5 years, the retirement salary will be paid after retirement, and the longer the payment time and the more monthly the payment, the higher the retirement salary.
5.Medical Insurance: For medical treatment. It is divided into personal accounts and co-ordination**. The money in the personal account can be used to buy medicine and see outpatient clinics; Co-ordination**Reimbursement in the event of illness and hospitalization.
6.【Unemployment Insurance】For unemployment. After paying contributions for one year, if the employment is interrupted not due to one's own will, the employee can receive unemployment benefit on a monthly basis. (The payment period is long, and the maximum payment period is not more than 24 months.)
7.【Work-related injury insurance】For work-related injuries. (Occupational diseases, injuries on the way to and from work and during working hours are considered work-related injuries) and medical treatment for work-related injuries.
8.【Maternity insurance】For giving birth. Medical expenses such as prenatal check-up and childbirth at the time of childbirth, as well as maternity allowance (maternity leave pay and maternity allowance, whichever is higher).
9.【Housing Provident Fund】For buying a house. (Mortgage repayment, renting and renovation are also available) can also be withdrawn in the following situations: resignation, serious illness, subsistence allowance, going abroad, death, retirement with a provident fund loan to buy a house, the interest rate is lower.
10.[How to pay for five insurances and one housing fund? 】Payment Formula:
Payment amount = payment base x payment ratio and payment base: > payment base is generally the average monthly wage of the previous year, the average salary of all places x 60%, and the payment base of the average salary of various places is 300% and the payment ratio.
The individual contribution part is generally withheld and paid by the unit from the employee's salary every month, and the work-related injury insurance and maternity insurance are completely borne by the unit, and the specific proportion varies from place to place.
11.For example, the reference ratio: 16% of individual pension insurance, 8% of medical insurance, 2% of medical insurance, 2% of maternity insurance, work-related injury insurance, 2% of unemployment insurance, housing provident fund 12%, 12% of false 0, the average monthly salary of oranges is 10,000 yuan, and the average local salary is 5,000 yuan.
The payment base of five social insurances and one housing fund in the place needs to be between 3,000-15,000 yuan (wages less than 3,000 are paid according to 3,000, and wages greater than 15,000 are paid according to 15,000), and they need to pay 10,000 per month (8%+% units) need to pay 10,000 (16%+9%+) every month.
The five insurances are statutory. One gold is not statutory... You can't give it up, this is to protect your own welfare.
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