Three gold laws and regulations stipulate that enterprises pay three gold for employees: endowment insurance, medical insurance and housing accumulation fund. But general enterprises pay three gold for us: medical insurance, unemployment insurance and old-age insurance. If it is "four gold" or "three insurances and one gold": medical insurance, unemployment insurance, old-age insurance and housing accumulation fund. There are also "four insurances and one gold" which refer to: medical insurance, unemployment insurance, endowment insurance, industrial injury insurance and housing accumulation fund. Women should also add maternity insurance, which means "five insurances and one gold". "Five insurances and one gold" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. Among them, endowment insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises. Individuals do not need to pay fees. It should be noted here that "five risks" are legal, but "one gold" is not. The three funds in a broad sense include social security fund (endowment insurance, unemployment insurance), medical insurance fund (medical insurance, industrial injury insurance, maternity insurance) and housing accumulation fund. Sanjin is a common name, including housing accumulation fund, endowment insurance and medical insurance. In fact, in addition to these three funds, there are industrial injury insurance, maternity insurance and unemployment insurance, which are all stipulated by laws and regulations. Personal contribution, enterprise contribution. It is calculated according to your basic salary * a certain percentage = three gold payable. The lower limit of this ratio is set by the government. The calculation formula of basic pension is as follows: basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement × 20% (15 for those whose payment period is less than 15)+ personal account principal and interest and indexed monthly average payment salary × 60. Pension insurance can only be enjoyed after retirement. Medical insurance premiums will generally be reflected in your medical card, which can be used at any time. Unemployment insurance: When you are unemployed, you should go to the unemployment center to collect it according to the regulations. Maternity insurance is for female employees, and they will receive it when they give birth. Work-related injury insurance can only be collected after it is confirmed as a work-related injury. You can withdraw the housing provident fund when you buy a house. People usually say that wages are pre-tax. For example, 2,500 yuan before tax is incomplete, and three gold and personal income tax need to be deducted. Tan Sanjin is a common name, including housing accumulation fund, endowment insurance and medical insurance. In fact, in addition to these three funds, there are industrial injury insurance, maternity insurance and unemployment insurance, which are all stipulated by laws and regulations. Individuals pay part, enterprises pay. It is calculated according to your basic salary * a certain percentage = three gold payable. The government has a lower limit for this ratio, and each place is different according to economic conditions. The proportion is also different. For example, your basic salary is 1500: you have to pay three gold: the company has to pay three gold: you personally pay your company's housing 1500* 10% =150 housing1500 *10. 8%= 120 pension1500 *14% = 210 medical care 1500*2%=30 medical care1500 * 8 =/kloc-
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.