The basis on which the company must pay insurance for its employees

Responsible companies will insure their employees Pension insurance is an important part of the social security system and is one of the most important types of social insurance. The so-called endowment insurance (or endowment insurance system) is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers after reaching the working age limit for releasing labor obligations stipulated by the state, or after retiring from the labor post due to old age and losing the ability to work. Social insurance is a social insurance in which an employee is provided with necessary medical services or material assistance by the society or enterprise when he or she is sick, injured or gives birth.

For example, China's publicly-funded medical care and labor insurance medical care. The medical expenses of Chinese employees are jointly borne by the state, units and individuals, so as to reduce the burden on enterprises and avoid waste. Unemployment insurance refers to the system enforced by the state through legislation, established by the society in a centralized manner, and provided material assistance to workers whose lives are temporarily interrupted due to unemployment.

It is an important part of the social security system and one of the main items of social insurance. I don't know if your unit is compulsory by the state or commercial, if the state wants to collect it according to the time prescribed by law. If it is a commercial insurance, it is more flexible, but it must also be received according to the provisions of the insurance contract (mobile phone"Cash loans", ready to meet your consumption needs! ）

Article 72 of the Labor Law stipulates that social insurance shall determine the funds according to the type of insurance, and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

Article 38 of the Labor Contract Law An employee may terminate a labor contract under any of the following circumstances: (2) the employee fails to pay social insurance premiums for the employee in accordance with the law.

Article 58 of the Social Insurance Law: An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees.

Article 17 of the Company Law The company must protect the legitimate rights and interests of employees, sign labor contracts with employees in accordance with the law, participate in social insurance, strengthen labor protection, and achieve safe production.

Five insurances and one housing fund are stipulated by the state that the company must pay, the unit has no responsibility not to do, you can negotiate with the unit first, and then find a local labor arbitration institution or consult 12333

1. The employer shall pay social security to the employee, which is a legal obligation;

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, childbirth, etc.;

3. 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 payment records and personal rights and interests records, and request social insurance agencies to provide social insurance consultation and other related services.

4. "Five insurances" refer to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "One gold" refers to the housing provident fund. Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are fully borne by enterprises. Individuals do not need to pay.

It should be noted here that the "five insurances" are statutory, while the "one gold" is not.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

1. What insurance should enterprises pay for employees?

1. The insurance that enterprises should pay for their employees is as follows:

1) Pension insurance;

2) medical insurance;

3) unemployment insurance;

4) Work-related injury insurance;

5) maternity insurance;

6) Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are completely borne by enterprises, and individuals do not need to pay.

2. Legal basis: Article 12 of the Social Insurance Law of the People's Republic of China.

The employer shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, and record it in the basic pension insurance pool**.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

Article 13. Before the employees of state-owned enterprises and public institutions participate in the basic endowment insurance, the basic endowment insurance premiums that should be paid during the deemed payment period shall be borne by the first.

When the basic endowment insurance is insufficient, it will be subsidized.

Article 23.

Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

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 44.

Employees shall participate in unemployment insurance, and the employer and the employee shall jointly pay unemployment insurance premiums in accordance with state regulations.

2. How to pay insurance for employees.

The specific methods of enterprises to pay insurance for employees are as follows:

1. Go to the Social Security Bureau to open an account, prepare the account opening information, go to the local Social Security Bureau to open an account, and generally find the account opening service window of the Social Security Bureau for processing;

2. Determine the payment base of social security, and then go to the Social Security Bureau to get the employee's social security declaration verification form;

3. Go to the local taxation bureau to exchange the tax payment certificate;

4. Go to the company's bank to pay, and go to the company's bank to pay with the tax payment book.

Pay at least five insurances! This is stipulated by the state, so it must be paid. If you don't pay to the employee now, there will be two results, 1. The employee will go to labor arbitration after finding out, and the final result is that you help the employee make up the payment.

2. If an employee has an accident and wants to find you for compensation, you cannot get the national compensation subsidy to the employee because you have not paid the five insurances stipulated by the state, so you have to pay to appease the employee. But! There is a possibility, that is, the employee himself does not pay, but also promises to take cash, do not want you to help him pay social security, in this case, you can pay a commercial accident insurance for him, much cheaper than social security, in case of an accident, your company can also from a humanitarian point of view, make a part of the economic compensation, this part of the money can be paid by the insurance company.

For your company, it can also alleviate a large part of the economic burden, so as not to raise objections from employees' families when they are available, and the compensation of commercial insurance is still very high, which is still a very good means to appease people and retain talents!

May my meeting be useful to you - Mr. Taikang Life Stone.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The company's regulations on paying insurance for employees are that the company shall not defer or reduce social insurance premiums unless due to force majeure or other statutory reasons; The employer shall inform the employee of the details of the payment of social insurance premiums on a monthly basis; The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. Social insurance, that is, social insurance premiums, refers to a non-profit social security system with the function of income redistribution in order to prevent and force the majority of members of society to participate. The current social security mainly includes pension, medical care, work-related injury, unemployment, maternity, etc.

Generally speaking, premium payment methods include single payment, regular payment and irregular payment. In order to facilitate the payment of renewal premiums, many companies also provide a variety of charging methods, such as authorized bank withholding, bank counter collection, or online payment, ** payment, etc.

Article 12 of the Law of the People's Republic of China on Social Insurance stipulates that an employer shall pay the basic endowment insurance in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be included in the overall planning of the basic endowment insurance.

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