The problem of the five insurances, a few doubts about the five insurances

The first question, if you are in Shanghai, it is reasonable, the insurance is divided into the individual payment part and the company payment part, when you work in the company, the individual only needs to bear the personal part, so there is less than 500 a month, and the other is borne by the company, then the company will continue to help you pay after you leave, then you will have to bear the personal plus company part, so the cost will be more, in addition, if you still question your company, then it is recommended that you take your ID card to the social security center in the district to pull a list. The second question depends on what you are called, such as pension in the five insurances, you only need to pay for 15 years before retirement, and it will not work if you give birth, if you do not pay for half a year, you will not be able to receive maternity allowance now, and the third problem is that it is not cost-effective if you cancel it, and the previous payment is white, and a person can only have a pension account in a region.

1. The medical insurance card is generally made in more than 30 days from the date of new insurance, and there is no payment for 6 months before the card is given, at least dozens of cities in China that I know are not like this;

From the numerical point of view, it should be the cost borne by enterprises and individuals for a total of 2 months;

3. After the previous payment, there is no concept of cancellation, talk to the personnel of the personnel department of the new company about this matter and find a solution.

Your unit is fooling you, the payment situation is that the social security center will give a voucher for payment every year, you have terminated the labor contract with the old unit, how can they help you pay? Or I'll give you a table saying that you pay 1,500 yuan a month.

1. All 1, the enterprise insurance and payment of five insurances and one housing fund: endowment, medical care, work injury, unemployment, maternity insurance; Accumulation fund.

2. If you are now participating in the social security account for payment is handled by the place of household registration, if you resign or lose your job in the future, you can apply to the local social security bureau to suspend the payment.

3. If the social security account you are currently participating in and paying is not handled by the place of household registration, if you resign or become unemployed in the future, you cannot apply for supplementary payment for the social security period that has been interrupted in the middle. It can only be renewed through re-employment, and the renewed social security payment does not affect your cumulative contribution period.

4. The minimum payment period stipulated by social security is 15 years of cumulative payment, and only after reaching retirement age can you enjoy the monthly pension treatment.

5. The longer the social security payment year, the more contributions, the more pension you will receive in the future.

6. People should have the awareness of being prepared for danger in times of peace, at present, if you have money and good physical condition, you will not feel that social security and medical insurance are of any use...

When people are old or sick and lose their labor, how important it is to have a stable basic life**, only then will people realize the importance of paying social pension insurance.

Only when people are sick and hospitalized, the cost of medical insurance is 90% paid by medical insurance, and individuals only need to pay 10% of the cost, they will find that it is a wise choice to participate in medical insurance and pay medical insurance.

Unemployment insurance: When you lose your job, you can receive unemployment benefits; Workers' Compensation Insurance: Compensation for workers' compensation in the event of an accident at work; Maternity insurance: Women can be reimbursed for their own maternity medical treatment, and men can reimburse part of the medical expenses when their wives are not insured by this insurance).

The five insurances you are talking about are the social security that people say, including work-related injuries, unemployment insurance, medical insurance, pension insurance, and maternity insurance; Men do not have maternity insurance, and they have to pay through the unit to have five insurances, and there is no work-related injury and unemployment insurance if they pay by themselves.

Social security must be paid for at least 15 years before the retirement age, which is accumulative, not continuous, if there are conditions, you can pay more years, and you can get more retirement in the future.

There are two main benefits of social security, the first is pension, after retirement, you can receive the average social salary of the year every month, not the salary when you are young, if you are now taking 2000-3000, then you may also take 1100-1300, the replacement rate is about 30%. Social security is to cover that you have food to eat when you are old, but there is no guarantee that you can eat well, so if you want to eat well, you should make a plan to buy a commercial insurance when you are young.

The second benefit is medical insurance, hospitalization can be reimbursed according to a certain percentage, but the starting line is higher, generally more than 1,000 can be reimbursed, and it will be proportional, plus self-financed drugs, generally more than half of the points.

The responses there should be the most authoritative, comprehensive, and accurate.

Good luck!

Go to your local human resources bureau to check your relevant five insurances.

The five insurances include:

Pension insurance: 8% for individuals and 22% for employers.

Medical insurance: 2% for individuals and 10% for employers.

Unemployment insurance: 1% for individuals and 2% for employers.

Work-related injury insurance and maternity insurance: only paid by the employer, not by the individual.

One housing fund includes: Housing Provident Fund: Individuals and units pay in the same proportion, the proportion is 5-12%, which is determined by the employer.

Five insurances and one housing fund refer to the collective name of several types of protective benefits given by employers to employees, 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.

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 employees.

In-service employees shall open a housing provident fund account by the unit. Freelancers (i.e., self-employed workers who have not established a labor contract relationship with any unit) can go through the procedures for opening individual details of the housing provident fund and declare according to the "Instructions for the Procedures for the Opening, Alteration, Cancellation and Annual Adjustment of the Housing Provident Fund Details".

Paying five insurances for employees is a mandatory insurance stipulated in the labor law. As long as the employee is willing to defend his or her rights, he will definitely win the lawsuit.

I am in charge of payroll insurance. Endowment insurance has a personal endowment insurance handbook and a personal payment voucher. The manual is handled by the company independently, and you can check it on the local social security **, which is an ID card; The voucher is issued by the local social security agency in June every year, and it may take a long time for the company to receive it and issue it to the individual, and it may be a few months late for large companies;

Maternity, work-related injury, and unemployment only have the company's payment certificate, and the individual does not have the relevant certificate.

Medical insurance, individuals have a medical certificate and a medical IC card, the medical certificate is handled by the company independently, there is money in the IC card, the company does not issue it, you should go to ask for it, otherwise there is no.

Another way is to open a work contact letter from your new company, asking the previous company to issue a certificate of transfer of insurance relationship such as pension insurance, which can be opened.

As long as you have a payroll, the company must be on it, now Tianjin is your resignation insurance can not be taken out, some companies are to give you insurance will not give you a certificate too quickly, my company gave me a social security card in 08, 09 years before I gave my card, I was no longer in that company, but I still went back to the company to get out. I don't know what happened to you when you resigned, the resignation certificate given by the company when I would leave the company, as long as you have the resignation insurance you can't run, you still have to ask your old workers, the specific will vary from company to company, or go to the insurance place to check. I'm just giving you a suggestion for your reference ...

Three of the five insurances are borne by the employee and the unit, and the other two are borne by the unit itself, you can go to the insurance company to check, but it should be noted that some types of insurance have a certain number of years, and only when they reach this period can they receive insurance.

Individual Contribution Ratio Company Contribution Ratio.

Pension Insurance 8% 20%.

Medicare 2% 6%.

Unemployment insurance 1% 2%.

Workers' compensation insurance 0 1%.

Maternity insurance 0

11% in total

There may be differences in the proportion of medical insurance contributions from place to place, and there is generally no change in others.

Accordingly, if you deduct 1000 from Social Security, then your contribution base is 1000 (1-11%)=

Similarly, the company bears part of the social insurance payment for employees, and there is no problem of subsidy. Best wishes.