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The six golds refer to endowment insurance, medical insurance, unemployment insurance, housing provident fund, work-related injury insurance, and maternity insurance. (In many areas, the six pensions refer to endowment insurance, medical insurance, unemployment insurance, housing provident fund, supplementary pension, supplementary provident fund, work-related injury insurance and maternity insurance, because the amount of payment is small and fully borne by the enterprise, so it is not recorded in the six funds.) )
Among them, endowment insurance, medical insurance, unemployment insurance and housing provident fund are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are fully borne by enterprises and do not need to be paid by individuals.
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Pension insurance, labor insurance.
Medical Insurance: Unemployment Insurance.
Provident Fund 1For employees, social insurance is now commonly referred to as:"Five insurances and one housing fund"The specific five insurances are: endowment insurance, medical insurance, unemployment insurance, maternity insurance and work-related injury insurance; One gold is: housing provident fund.
Housing Provident Fund";The proportion of specific units and individuals is 50% each, which is calculated according to the average annual salary of individuals. The state stipulates that the housing provident fund shall not be less than 10% of the salary, and the units with good benefits can be higher, and the employees and units shall bear 50% each
Therefore, it is very cost-effective to pay the housing provident fund for employees!
Five insurances"In terms of employee wages, the proportion of units and individuals is generally as follows: 20% for pension insurance units and 8% for individuals; 6% for medical insurance units and 2% for individuals; 2% for unemployment insurance units and 1% for individuals; 1% of the maternity insurance is fully borne by the unit; Work-related injury insurance is also fully borne by the unit, and individual employees do not bear maternity and work-related injury insurance.
2.Of course, there are benefits and benefits to participating in social insurance, and the purpose of each social insurance can be seen from the types of social insurance;
3.Social insurance generally cannot be withdrawn in advance, and even if it is returned, it can only be part of the personal account.
Maternity insurance (for female employees).
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1.Pension insurance - that is, the retirement salary that can be received every month after retirement, is when you are in office, the individual and the company pay at the same time, the payment base is the same, the proportion is different, in Shanghai, for example, the individual bears 8% of the salary, the company bears 22%, and pays for 15 consecutive years, and you can enjoy the pension after retirement.
2.Medical insurance - that is, when you are sick, you can go to major public hospitals to see a doctor, or go to a designated pharmacy to buy medicine, also in Shanghai, for example, individuals pay 2%, companies pay 12%.
3.Unemployment insurance benefits - that is, if you are unemployed, you can apply to the street to receive unemployment benefits, but the premise is that you have paid unemployment insurance benefits for a period of time, and the individual bears 1% and the company bears 2%.
4.Housing provident fund - that is, you can apply for a loan to buy a house, or you can apply for a house decoration, and then there are people who come to Shanghai to work in Shanghai can apply for a one-time withdrawal of all after leaving Shanghai, and the individual and the company bear 7% respectively
5.Work-related injury insurance benefits - that is, the compensation that can be claimed after a work-related injury, all of which are borne by the company.
6.Maternity insurance money - that is, the money that can be applied for when giving birth to a child, is also borne by the company, some people will say that male employees do not have children and do not enjoy the preferential treatment of this insurance, why should they pay, that male employees also have families, and female employees have to continue to pay after giving birth, it is the same reason, it will not be because you have enjoyed it before, so you don't have to pay it in the future.
Usually we call the above 5 insurances and 1 gold for 6 gold, of which the provident fund is not stipulated by the state must be paid for employees, enterprises can choose to pay or not, but for enterprises the other 5 insurances must be paid, for individuals must pay 3 insurances, this is as a maximum welfare protection for employees, so don't give up easily!
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Pension benefits - can be used when you are old.
Medical insurance benefits - you will have a health insurance card that you can use when you go to the doctor.
Unemployment insurance benefits - dismissal you will give you money.
Housing Provident Fund - You can take out a loan to buy a house, but you can't get money for the time being, and you can get money for work-related injuries.
Maternity insurance - you can get money for having a child.
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[Legal Analysis].: The six gold in relation to engagement generally refer to necklaces, bracelets, earrings, rings, bracelets, and gold headdresses, among others. In fact, what are the specific six golds for engagement, it depends on what the woman wants to buy, and it is not necessarily a ** jewelry, but it may also be jewelry such as diamonds and platinum.
The main reason is that young people nowadays think that ** jewelry is more exaggerated, so they will buy other diamond rings, platinum necklaces and jade bracelets with the money to buy six gold.
[Legal basis].Article 1046 of the Civil Code of the People's Republic of China Marriage shall be completely voluntary between a man and a woman, and it is forbidden for either party to coerce the other party, and it is forbidden for any organization or individual to interfere with it.
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.
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Legal analysis round grip: Six gold should refer to "five risks and one gold".
The so-called "five insurances" refer to: work-related injury, medical care, pension, unemployment, and maternity.
The so-called "one gold" refers to: provident fund.
In some places, it is called six golds, which refers to five kinds of insurance plus one provident fund.
Legal basis: Social Insurance Law of the People's Republic of China
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 enjoy social insurance benefits in accordance with the basic law of dismantling, and have the right to supervise the payment of contributions by their own units.
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 who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.
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Legal Analysis: The five insurances include: endowment insurance, medical insurance, unemployment insurance, maternity insurance and work-related injury insurance. The six funds include five insurances and housing provident fund.
Legal basis: "Law of the People's Republic of China on Social Insurance" 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 protect 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, and the lifting of a child's limbs.
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