What exactly does the three guarantees and one insurance refer to for employers?

The state stipulates that there are three insurances and one insurance, and some areas have adopted five insurances and one housing fund. Social insurance generally includes: endowment, medical care, work-related injury, unemployment, maternity insurance, plus a provident fund, collectively referred to as "5 insurances and 1 housing fund".

There are also those that only provide pension, medical care, work-related injuries, and unemployment, plus provident fund, which is called 5 gold.

The types of insurance are different in different places, and the payment ratio of each type of insurance is also different, please check the local social security and provident fund management departments.

For example, let's talk about the significance of three golds and one insurance.

For example, your salary is 1,000 yuan.

The local use of the hardware insurance system, then you need to pay an additional 54% of the salary as a hardware insurance. Among them, individuals pay about 12%, and enterprises pay about 42%. This part of the money is nominally in your name.

However, it cannot be used as a monthly cash payment. At this time, 1000 yuan, the money you get is 880 yuan. The 120 yuan deducted and the 420 yuan paid by the company, a total of 540 yuan, will be deposited into your five social insurance and one housing fund account.

The same is true for three insurances and one insurance, but it is 2 parts less than five insurances and one housing fund, about 11% less. All this money can be used in the future. If it is only a salary of 1,000 yuan, and there is no three golds and one insurance.

You can see how much you're actually missing your salary.

Medical, work-related injury, unemployment, accident insurance.

Pension, serious illness, unemployment, accidental injury.

Pension insurance, medical insurance, unemployment insurance.

1. Endowment insurance, the full name of social basic endowment insurance, 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 of the state for the discharge of labor obligations, or after losing the ability to work due to old age.

2. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

3. Unemployment insurance refers to the system that is enforced by the state through legislation, and the funds raised by employers, individual employees and state financial subsidies are raised to establish unemployment insurance, to provide material assistance to workers whose lives are temporarily interrupted due to unemployment to ensure their basic livelihood, and to create conditions for their reemployment through professional training, employment introduction and other means.

The three insurances are the most basic social insurance, including: endowment insurance, medical insurance, and unemployment insurance. The payment of three insurances is stipulated in the national social security policy, and any employer should insure its employees.

As long as you have signed a formal employment contract with your employer, it should insure you. The three insurances are not paid entirely by your employer, but by you and your employer.

According to the wages of employees, the proportion of units and individuals is generally as follows: 16% for pension insurance units and 8% for individuals; 6% for medical insurance units and 2% for individuals; Unemployment insurance units bear 2% and individuals 1%.

Pension insurance, medical insurance, and unemployment insurance, these three types of insurance are premiums paid jointly by enterprises and individuals. These are statutory.

1. Social insurance includes the following five contents (five insurances): - Endowment insurance: that is, when the worker loses the ability to work due to old age, he will be given living expenses during the pension period and taken care of in terms of life.

Enterprises and individuals pay together, and there are personal accounts, which can be known at a glance. - Unemployment insurance: that is, the payment of living expenses and medical expenses for workers during the period of unemployment, as well as protection measures such as job training, self-help in production, and employment introduction.

There is no personal account, but there is a fee for individuals. - Work-related injury insurance: that is, the compensation of wages and income after the temporary or permanent loss of the ability to work due to work-related injuries, and also the medical care and living care measures for workers injured on the job.

Without a personal account, the individual worker does not need to pay the fee, as long as the unit buys it, the worker can enjoy it. - Medical insurance: that is, the worker's income support during the period of illness and the protection measures in terms of medical care.

Enterprises and workers pay together, have personal accounts, and consume according to personal accounts. - Maternity insurance: that is, income subsidies and protection measures for female employees during childbirth.

Individual workers do not pay contributions, which is the same as work-related injury insurance. 2. Therefore, you may not be able to know the two insurances that individuals do not pay, you can ask the personnel department of the unit, maybe there is, even if there is no it, it doesn't matter, "work-related injury insurance" and "maternity insurance" regulations have provisions, the unit does not handle the insurance and does not pay the premium, when the work-related injury and the employee gives birth, the insurance ** is not paid, and all expenses are paid by the unit according to the regulations.

What are the three insurances that the company helps pay?

In general, the three insurances refer to: Yangchang key stool old insurance, unemployment insurance, and medical insurance;

2.Among them: the proportion of units and individuals to pay is:

1) Pension: Individual: 8%.

Enterprise: 20%.

2) Unemployed: Individuals.

Enterprise: 3).Medical: Personal: 2% + 3

Enterprise: 10%.

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The "three insurances and one housing fund" are: endowment insurance, medical insurance, unemployment insurance and housing provident fund.

Normally, there are five insurances and one housing fund, namely endowment insurance, unemployment insurance, medical insurance, maternity insurance (female), work-related injury insurance, and housing provident fund, but maternity insurance (female) and work-related injury insurance are borne by the enterprise, and individuals do not pay.

Individuals only bear the personal part of the "three insurances and one housing fund", which refers to: endowment insurance, medical insurance, unemployment insurance and housing provident fund.

The "three insurances and one housing fund" borne by individuals is calculated based on the average salary of individuals in the previous year. The payment ratio varies from place to place.

Generally, the minimum and maximum payment bases will be set in various regions, and the part of individual contributions that do not exceed the maximum payment base can be deducted in the calculation of individual income tax.

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The regular unit must have three insurances and one housing fund to be paid by the individual, and the regular unit must have five insurances and one housing fund to be paid by the unit, and the three insurances and one housing fund are exactly the same, and the three insurances and one housing fund are from the insurance you pay personally (pension + medical care + unemployment + provident fund), and the five insurances and one housing fund are from the insurance that the unit wants to pay to you (pension + medical care + unemployment + public injury + maternity + provident fund). The specific proportion of social security is: endowment insurance:

The unit pays 21% for you every month, and you pay 8% yourself; Medical insurance: the employer pays 9% for you every month, and you pay 2% yourself; Unemployment insurance: the employer pays 2% for you every month, and you pay 1% yourself; Workers' Compensation Insurance:

The unit pays for you every month, and you don't have to pay a penny for yourself; Maternity insurance: The unit pays for you every month, and you don't have to pay a penny yourself; Housing provident fund, both individuals and units have to pay, because it is set downline, there is no upper limit, different places, different units pay a particularly large gap. In fact, the contribution ratio of many units is about 8% for employees and units, but the upper limit of the unit contribution ratio can be increased to 20%-30% of the wages of employees.

The proportion of individual contributions can be increased to 5%-15%.

The three insurances and one housing fund refer to endowment insurance, unemployment insurance, medical insurance, and housing provident fund. However, what is now implemented is the security system of five social insurances and one housing fund, that is, endowment insurance, medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, and housing provident fund.

[Legal basis].

Article 2 of the Social Insurance Law of the People's Republic of China.

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 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, and so forth.

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.

Three insurances and one housing fund.

Content: What does the general company refer to as three insurances and one housing fund, does it refer to medical insurance, endowment insurance and personal injury insurance, and one gold refers to housing**ah, housing** refers to what.

Here's what to do with this issue:

Regarding the three insurances and one housing fund, you understand it very well! Unit housing is formed in the reform of the housing system, and enterprises and administrative institutions are used for housing construction, maintenance, management, and funding for employees to establish housing provident fund and housing subsidies. The units of housing ** are:

1) Funds for the construction, maintenance, management and rent subsidy of public housing that are disbursed by each unit according to the original channels; (2) In accordance with the provisions of the relevant financial system, according to a certain proportion of the funds withdrawn from the housing market; (3) Funds for renting housing; (4) The housing provident fund deposited by the unit included in the cost or budget for the employee and the funds for the rent subsidy; (5) Other housing funds.

"Five insurances and one housing fund" refers 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.

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