What are the 3 and 5 in the salary?

The 3 golds generally refer to endowment insurance, medical insurance, and unemployment insurance (these 3 companies and individuals must pay) and the 4 golds are: endowment insurance, medical insurance, unemployment insurance, and provident fund.

The 5 golds are: endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance (the last 2 are only paid by the company, and individuals are not deducted, so the general company does not mention it).

These are all general colloquial names.

The highest companies may also have supplementary provident fund, supplementary pension, supplementary medical insurance, ......There's also a corporate annuity or something.

Three insurances: 1. Endowment insurance: 22% for units, 8% for individuals 2, Unemployment insurance: 2% for units, 1% for individuals

3. Medical insurance: unit: 12%, individual 2%.

There are also two insurances:

4. Work-related injury insurance: all borne by the unit (

5. Maternity insurance: all borne by the unit (

6. Provident Fund: Unit: 7%, 7% of the social insurance payment base for individuals has an upper and lower limit at the same time, which is determined according to 300% and 60% of the average monthly salary of employees in the city announced by the city in the previous year.

If it is within the upper and lower limits, it will be paid according to the actual amount, and if it exceeds the upper limit, it is not enough to lower the upper limit.

All you need to do is multiply the percentage of your personal contribution by the contribution base, and the sum will be deducted.

The above is what every law-abiding unit must handle for employees.

Supplementary pension and provident fund are not mandatory for every unit, and some large enterprises with particularly good welfare, such as Baosteel, will pay.

Housing provident fund is a long-term housing fund paid by units and their employees, and is the main form of monetization, socialization and legalization of housing distribution. The housing provident fund system is an important housing social security system stipulated by the national law, which is mandatory, mutual assistance and guarantee. Units and individual employees must fulfill the obligation to pay into the housing provident fund in accordance with the law.

The housing provident fund paid by the individual employee and the housing provident fund paid by the unit for him shall be stored in a special account and shall be owned by the individual employee. Units here include state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, public institutions, private non-enterprise units, and social organizations.

Three golds: 1. Pension insurance: unit: 22%, individual 8%2, unemployment insurance: unit: 2%, individual 1%.

3. Medical insurance: unit: 12%, individual 2%.

There are also two golds: 4. Work-related injury insurance: all borne by the unit (

5. Provident Fund: Unit: 7%, 7% for individual

Lesbians: 6. Maternity insurance: all borne by the unit (

Five insurances and one housing fund, endowment insurance, unemployment insurance, medical insurance, family planning insurance, work-related injury insurance, and provident fund.

The "five insurances" refer to medical insurance, endowment insurance, unemployment insurance, work-related injury insurance, and maternity insurance, and the "three golds" are the collective names of several types of protective treatment given by employers to workers, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund. Individual employees shall pay into the housing provident fund in accordance with the regulations. "Housing provident fund is a "payable" item, which should be legally mandatory, and at the same time the payment also shows that it is an obligation.

1. Endowment insurance: The full name of social basic endowment insurance is a kind of social insurance established by the state and society according to the basic life of workers after reaching the working age limit for releasing labor obligations stipulated by the state, or after losing the ability to work due to old age. 2. Medical insurance:

It is a kind of insurance to compensate for the medical expenses caused by illness, and its purpose is to solve the problem of difficulty in seeking medical treatment, reduce the pressure of the insured to seek medical treatment, and avoid returning to poverty due to illness and poverty due to illness. 3. Unemployment insurance: a social security system that obtains help from the state and society when workers go to work, earn at the end of the income, or lose their livelihood due to non-personal reasons.

4. Work-related injury insurance: a kind of social insurance that provides medical treatment and necessary economic compensation to workers when they suffer accidental injuries or occupational diseases in production and business activities, resulting in death, temporary deficiency or permanent loss of working ability. 5. Maternity insurance:

A social security system that ensures the basic livelihood of female workers during pregnancy and childbirth, and guarantees their access to basic medical services. 6. Housing provident fund: long-term housing savings deposited 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 and their in-service employees.

7. Wage arrears guarantee: refers to the social mutual aid system in which the employer pays a certain amount of wages to the employee in accordance with the relevant regulations when the employer is in arrears of wages and there are circumstances specified in these Regulations. 8. Unemployment insurance for the disabled:

The purpose of the unemployment insurance benefit system for eligible disabled persons is to ensure the basic livelihood of disabled persons.

Legal basis: Article 64 of the Social Insurance Law of the People's Republic of China states that social insurance includes basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance. In addition to the basic medical insurance** and maternity insurance** combined accounts and accounting, other social insurance** according to the type of social insurance separately established and accounted for.

Social insurance** implements a unified national accounting system. The special funds for social insurance are used exclusively and shall not be embezzled or misappropriated by any organization or individual. Yuchong basic endowment insurance ** gradually implement the national overall planning, other social insurance ** gradually implement the provincial overall planning, the specific time and steps are stipulated by the first country.

The five insurances and three housing funds refer to the housing provident fund, the guarantee for arrears of wages for small enterprises, and the unemployment guarantee for the disabled.

The specific definitions are as follows:

1. 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 and their in-service employees;

2. The arrears of wages guarantee refers to the social mutual aid system in which the employer pays a certain amount of wages to the employee in accordance with the provisions of the relevant regulations when the employer is in arrears of wages and there are circumstances specified in these Regulations;

3. Unemployment insurance for the disabled: The purpose of the unemployment insurance system for eligible disabled persons to apply for unemployment insurance is to ensure the basic livelihood of the disabled.

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 treatment in accordance with the provisions of the state.

According to the regulations, an unemployed person who meets the following conditions shall receive unemployment insurance money from unemployment insurance**: if the employer and the employee have paid unemployment insurance premiums for one year before becoming unemployed, and if the employment is interrupted not due to their own will, they have been registered as unemployed, and they have the requirement to seek employment.

The housing provident fund paid by individual workers and the housing provident fund paid by the employee's unit for the employee belong to the individual employee. The housing provident fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and shall not be diverted for other purposes by any unit or individual. The deposit and loan interest rates of the housing provident fund shall be proposed by the People's Bank of China, and shall be submitted for approval after soliciting the opinions of the construction administrative department.

[Legal basis].

Article 2 of the Regulations on the Administration of Housing Provident Fund These Regulations apply to the deposit, withdrawal, use, management and supervision of housing provident funds within the territory of the People's Republic of China.

The term "housing provident fund" as used in these Regulations 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.

Speaking of five insurances and one housing fund, everyone is generally familiar with it, but when it comes to five insurances and three housing funds, there must be many people who don't know much about it. So, what are the three golds of five insurances and three golds?

In the past, it was commonly understood that the five insurances and three golds actually refer to the five insurances, and the three golds here actually refer to the pension insurance, medical care and unemployment benefits, so they still refer to the pension insurance, medical insurance and use insurance among the five insurances. But this statement is actually not very accurate, it is just a popular statement among ordinary people, rather than a professional explanation.

However, with the improvement of the social security system, the five insurances and one housing fund are also constantly improving and developing, so there are gradually more five insurances and two golds, six insurances and one housing fund, six insurances and two golds, seven insurances and two golds, etc., and now the five insurances and three golds refer to the "five insurances" of endowment insurance, endowment insurance, unemployment insurance, work-related injury insurance, maternity insurance and housing provident fund, arrears of wages for small enterprises, and unemployment security for the disabled.

Generally, the company handles five insurances and one housing fund for employees, and if the company has good benefits and benefits, it may handle five insurances and three housing funds or six insurances and one housing fund, six insurances and two housing funds for employees, etc.

One: five insurances and one housing fund.

Five social insurances and one housing fund refer to the collective name of several types of guaranteed benefits given by employers to employees, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.

Two: five insurances and three golds.

The "five insurances" refer to medical insurance, endowment insurance, unemployment insurance, work-related injury insurance, and maternity insurance, and the "three golds" are the housing provident fund, the small enterprise arrears guarantee and the disabled model unemployment insurance.

Extended reading: [Insurance] How to buy, which is better, and teach you to avoid the positive model of insurance"pits"

Legal analysis: Five insurances and three housing funds are a social security benefit, as follows:

1. "Five insurances" refer to medical insurance, endowment insurance, unemployment insurance, work-related injury insurance, and maternity insurance;

2. The "three golds" are the housing provident fund, the arrears of wages and the unemployment security for the disabled;

1. 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 and their in-service employees;

2) Wage arrears guarantee: refers to the social mutual aid system in which the employer pays a certain amount of wages to the employee in accordance with the relevant regulations when the employer is in arrears of wages and there are circumstances specified in these Regulations, the competent department shall use the arrears wage guarantee** to advance a certain amount of wages to the employee;

3. Unemployment insurance for the disabled: The purpose of the unemployment insurance system for eligible disabled persons to apply for unemployment insurance is to ensure the basic livelihood of the disabled.

Legal basis: Article 64 of the Social Insurance Law of the People's Republic of China provides that social insurance includes basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance. In addition to the basic medical insurance** and maternity insurance** combined accounts and accounting, other social insurance** according to the type of social insurance separately set up and destroy the Qi ruler account, separate accounting.

Social insurance** implements a unified national accounting system.

[Legal Analysis].: Five insurances and one housing fund talk about five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; One gold refers to the housing provident fund.

[Legal basis].Article 64 Social insurance** includes basic endowment insurance**, basic medical insurance**, work-related injury insurance**, unemployment insurance** and maternity insurance**. In addition to the basic medical insurance** and maternity insurance** combined accounts and accounting differences, other social insurance** according to the social insurance insurance separately set up accounts, separate accounting.

Social insurance** implements a unified national accounting system.

The special funds for social deficiency or clan association insurance are used exclusively and shall not be embezzled or misappropriated by any organization or individual. The basic endowment insurance will gradually implement the national overall planning, and other social insurance will gradually implement the provincial overall planning, and the specific time and steps shall be stipulated by the national level.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.