Paying three insurances is stipulated by the national social security policy, and any employer should insure employees. As long as you sign a labor contract with your employer, you should be insured.
But these three risks are not from your company, but from yourself and your company. According to the wages of employees, the proportion of units and individuals is generally: pension insurance units bear 20%, individuals bear 8%; 6% for medical insurance units and 2% for individuals; The unemployment insurance unit bears 2%, and the individual bears 1%.
Old-age insurance is mainly for getting a pension after retirement in the future, in case the old age is bleak.
Medical insurance mainly means that when you are sick and hospitalized, the unit can reimburse about 50% of the expenses, which is also very important. Industrial injury insurance is more clear.
There are also five insurances and one gold. How do enterprises insure their employees?
About five insurances and one gold:
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.
What is the payment ratio of "five insurances and one gold"?
At present, the contribution ratio of endowment insurance in Beijing is: 20% for the unit (of which 17% is included in the overall fund and 3% in the personal account) and 8% for the individual (all included in the personal account); Medical insurance payment ratio: unit 10%, individual 2%+3 yuan;
Unemployment insurance payment ratio: unit 1.5%, individual 0.5%; Industrial injury insurance determines the industrial injury rate according to the industry scope of the unit; Maternity insurance payment ratio: 0.8% for the unit, and no payment for the individual.
Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. However, in principle, the maximum wage shall not exceed 10% of the average wage of employees in Beijing.
The basic pension is calculated 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% (the payment period is insufficient 15 is 15%)+ personal account principal and interest and indexed monthly average payment salary ×1payment period before the end of 997 ×
Unemployment registration management office; The changed unit needs to go through the formalities for the transfer of unemployment insurance relationship at the unemployment insurance management office under the jurisdiction of the original unit; Then go to the unemployment insurance management office under the jurisdiction of the current unit to register and go through the formalities, and affix the seal of the unemployment office under the jurisdiction of the current unit, and then get the seal of the unemployment office under the jurisdiction of the original unit; Finally, take this matter to the unemployment office under the jurisdiction of the current unit.
I. Forms to be filled in and attached materials:
1. Get it from the unemployment office: the unemployment insurance registration form, the monthly payment base declaration (change) form of the payer, and the roster of employees who pay unemployment insurance (in quadruplicate).
The relevant documents are as follows:
(1) business license (copy) and its copy;
(2) People's Republic of China (PRC) organization code certificate and its copy;
(3) Local tax registration certificate and its copy;
(4) Financial statements and payroll;
(5) A floppy disk (making a roster of employees who pay unemployment insurance benefits) shall be copied to the unemployment office for the record;
Two, the unemployment insurance deposit ratio is as follows:
3% of the total monthly salary of employees. (Unit 2%, employee 1%. )
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.