(2) Telephone inquiry: The municipal endowment insurance center can make a unified inquiry by telephone 12333 (plus the telephone area code of the city where it is located), and at the same time, it can make inquiries on the handling of endowment insurance, the issuance of pensions and the transfer of pensions.
(3) For counter consultation, you can also hold your ID card or social security card number and go directly to the endowment insurance office of the municipal labor and social security department for on-site inquiry.
(4) Social security inquiry can also be conducted in the subordinate district-level labor and social security departments in different regions, or contact the local social security bureau by telephone. Timely supplementary protection.
(5) according to their own needs and existing social security, buying appropriate commercial insurance (attached: joint critical illness insurance) is a double guarantee for their future life.
There are several ways to inquire about personal accounts of five insurances and one gold in Shanghai.
1, social security personal account inquiry
(1) You can go to the social security office (local social security bureau) where you are insured.
(2) Call the Social Security Bureau (local call charges).
(3) It is also convenient to log on to the website of the local Human Resources and Social Security Bureau. Enter my ID card or social security number to register a new user, and then log on to inquire.
Remember: the inquiry requires my ID card or social security number.
2, housing provident fund personal account query
(1) Touch screen query: enter the employee account number or employee ID number registered in the system, enter the password to enter the employee personal account interface, and click the menus of provident fund information query, provident fund deposit details query, loan information query and loan repayment information query to query the basic information of employee deposits and loans.
(2) Voice telephone inquiry: Call the provident fund inquiry telephone number 12329, and follow the voice prompts to inquire the basic information of employees, such as current balance, payment month and monthly payment amount.
(3) Joint-name card inquiry: The unit manager shall handle the formalities of issuing joint-name cards to employees who normally deposit in the unit. The joint card of housing provident fund has dual functions of saving and housing provident fund inquiry, which can be self-inquired at ATMs of branches of issuing banks;
(4) Housing provident fund website inquiry: Log in to the local housing provident fund website and enter the employee ID number or employee account number to inquire about the institutional setup, policies, hot issues, employee deposits, loans and other detailed information of the housing provident fund center.
1. What are five insurances and one gold?
1. Endowment insurance: Your consumption level may drop sharply after retirement.
At present, the core of China's old-age insurance system is the basic old-age insurance for urban workers. That is, people who work can deduct a sum of money from their salary every month and get a pension from the social security system when they reach the legal retirement age (60 men and 50 women).
If you graduate from university at the age of 22 and work in Beijing with the highest China Pension Development Index, the average monthly income is 8,000 yuan (the average monthly salary in Beijing in 2065,438+065,438+0 was 4,672 yuan), and the salary base paid by the company is 8,000 yuan. According to the fixed growth rate of 5%, when you retire (60 years old), your monthly salary is 48,600 yuan. According to current standards, the pension you receive after retirement is 8624 yuan. This is only equivalent to 18% of the salary before retirement, and is lower than the national average basic consumption expenditure.
2. Medical insurance: Not all diseases can be insured.
Medical expenses such as cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction and mental illness are not covered by medical insurance.
In addition, if there are unfortunate traffic accidents or injuries by gangsters, these are not covered by medical insurance. Only when the public security organ proves that the injurer cannot be found can it be temporarily written off by medical insurance.
There are many restrictions on using medical insurance in different places. In case of sudden illness in non-residential areas in China, those who need first aid can be hospitalized nearby, but the date of hospitalization, hospital name and other information must be reported to the medical insurance agency in the insured area for the record within 3 working days. If the patient needs to continue treatment after the condition is stable, he should be transferred to the designated medical institution for medical treatment in time.
3. Unemployment insurance
To receive unemployment benefits, we must first meet the following two conditions:
1) The employer and I have fulfilled the obligation to pay unemployment insurance for 1 year according to the regulations.
2) Resign voluntarily
Then there are a lot of formalities to be done: within 60 days from the date of leaving your job, you should register unemployment with the labor security department of the street or town where your household registration is located and apply for unemployment insurance money with your vocational guidance and training card, household registration book, ID card, proof of labor (employment) termination contract or work relationship, and photos.
Pay attention to the location of your hukou, that is, if your hukou is in Gansu and people work in Shanghai, you have to go back to your hometown all the way. According to current standards, the unemployment insurance premium in most cities ranges from several hundred yuan a month, and basically does not exceed 1 10,000 yuan. The more backward the economy is, the less you can get. There is not much money, and the time to get it is not long: before unemployment, pay 1 to five years, and get 12 months at most; 5 years to 10 years, at most 18 months; If the accumulated payment time exceeds 10 year, the longest payment period is 24 months.
4. Work-related injury insurance: 48-hour life and death line
An article entitled "Young migrant workers die late 1 hour, isn't it that work-related deaths force them to die early?" The net post of ". According to the net post, 17-year-old Chen Guo, a migrant worker from Loudi, Hunan Province, died of severe heatstroke while working in Shijie Town, Dongguan City. As Chen Guo died 49 hours after the onset of illness, his family still failed to get compensation after a lapse of 20 days.
They were told that article 15 of China's Regulations on Industrial Injury Insurance stipulates that those who died of sudden illness or died within 48 hours after being rescued are regarded as industrial injuries. Chen Guo died 49 hours after the onset of illness, which was not a work-related injury.
In fact, disputes and lawsuits about work-related injuries have been going on. It's not just a 48-hour line. It's not that easy to identify work-related injuries.
5. Maternity insurance: there must be a unit.
Childbirth is a very private matter, but if there is no work unit, it is difficult to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, full-time wives can't have maternity insurance.
Maternity insurance must be paid for at least one year to enjoy it. After giving birth, we will continue to pay the fees. If you don't pay, you won't enjoy the benefits of family planning later.
6. Housing accumulation fund: it is not cost-effective not to use it for a long time.
As many people know, the more housing provident fund units pay each month, the better, which can be used to buy houses and decorate in the future. But for those who don't buy a house or don't plan to buy a house in the short term, it is not cost-effective to keep the provident fund in the account.
Because of the provident fund, the part paid in that year can only get the deposit interest rate, while the funds paid in previous years can only get the three-month fixed deposit interest rate. In the case of increasing inflation, it is obviously not as good as self-investment, or even as good as one-year time deposit in banks.
2. What are the five insurances and one gold in Shanghai?
Endowment insurance: It means that when we reach the legal age, we can receive the pension at the place designated by the social insurance department to protect our basic needs after retirement. This insurance is a premium paid by both enterprises and individuals.
Medical insurance: It means that we, as laborers, will inevitably meet each other day after day, year after year. If something goes wrong, we need to see a doctor, and this kind of medical treatment behavior is within the scope of the medical insurance contract, then we can get a certain percentage of "insurance premium" from the insurer. This insurance is a premium paid by both enterprises and individuals.
Unemployment insurance: No one can avoid changing jobs. During the period of changing jobs, no one is sure how long it will take to find the next satisfactory job. During this period, we have no salary, that is, zero income, so unemployment insurance provides us with disposable cash and free employment services such as vocational guidance and vocational training to help us find jobs. This insurance is a premium paid by both enterprises and individuals.
Work-related injury insurance: a social insurance system in which we or our survivors get material help from the state and society when we suffer accidents or occupational diseases at work or under specific circumstances, resulting in temporary or permanent loss of working ability or even death.
This risk is entirely borne by the enterprise. Individuals do not need to pay fees.
Maternity insurance: refers to the social insurance system that the state and society provide allowances, maternity leave and medical services when female employees are pregnant in October and have to temporarily stop working. From 20 12 1 1.20, maternity insurance benefits will no longer be limited to household registration, and units will have to pay maternity fees if they do not pay maternity insurance.
Housing accumulation fund: refers to paying a certain fee to the designated account every month, but it can't be taken out at ordinary times and can only be used at specific times, such as buying a house, going abroad to settle down, retiring, etc.
Three, Shanghai five insurance and one gold payment ratio
In social insurance, all expenses are calculated based on the average annual salary of employees in the previous year (the first month's salary or the salary agreed in the labor contract is the payment base for new employees), and are paid by the unit and individual employees respectively.
The prescribed ratio is approximately:
Pension: 20% for the unit and 8% for the individual.
Unemployment: unit 2%, individual 1%.
Medical treatment: 6-4% for units and 2-4% for individuals.
Work injury: unit 1%, individual 0%.
Birth: unit 1%, individual 0%.
There may be slight changes from place to place.
A gold is generally 8%- 12% of the unit, and so is an individual.
Legal basis:
Article 4 of People's Republic of China (PRC) Social Insurance Law
Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.
Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.