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Five insurances and one fund are short for social insurance and housing accumulation fund. According to the regulations, the company will pay five insurances and one gold for employees in the month after they join the company. In real life, most units will follow the regulations, but some small units do not pay social security for their employees, which is illegal. So how do employees know whether the company has paid five insurances and one gold? Let Bian Xiao tell you.
1. How do employees know whether the company has paid five insurances and one gold?
According to relevant laws and regulations, pension insurance, medical insurance, unemployment insurance and housing accumulation fund are shared by enterprises and individuals according to a certain proportion; Industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay fees. The collection scope of five insurances and one gold includes: state-owned enterprises, urban collective enterprises, urban private enterprises and other urban enterprises and their employees, institutions and their employees that implement enterprise management, private non-enterprise units and their employees.
Generally speaking, employees can judge whether the employer has paid five insurances and one gold for them from the following points:
1. The easiest way is to check whether social security expenses and housing accumulation fund expenses are deducted from the payroll. If there is a deduction, it is generally paid;
2 units to help employees pay five insurances and one gold, and issue social security cards or provident fund cards;
3. You can check it on the social security website and provident fund official website. If there is payment, you can find relevant records.
2. Does the probation unit have to pay social security?
During the probation period, units and employees should also pay five insurances and one gold in accordance with relevant regulations, because the probation period is an integral part of the contract period and is not isolated from it. In addition, it is the legal obligation of the enterprise to insure employees, which does not depend on the intention or will of the parties, even if the employees say that they do not need to pay insurance.
In accordance with the relevant provisions of the law, for the five insurances and one gold, the payment units and individuals pay in full and on time in the form of money, and the part that the individual should pay is withheld and remitted from his salary by his unit.
According to the regulations, five insurances and one gold cannot be reduced. Units that have difficulties in paying housing provident fund shall be discussed and approved by the workers' congress or the trade union. Due to the different economic development conditions in different places, the payment ratio of five insurances and one gold is different across the country.
3. What if the unit fails to pay five insurances and one gold on time?
If the payer fails to pay and withhold social insurance premiums in accordance with the regulations, he may, in addition to ordering the payment within a time limit, impose a late payment fee of two thousandths per day, or even force the collection.
If the payer fails to register, change or cancel the registration of social insurance in accordance with the regulations, he may be fined 1000 yuan to 5,000 yuan; The directly responsible person in charge and other directly responsible personnel may be fined more than 5000 yuan 1000 yuan. According to the relevant regulations, if an enterprise fails to pay the maternity insurance premium, it shall pay the amount owed and interest, and impose a late fee of 2‰ on a daily basis. Units that fail to go through the formalities of paying housing provident fund may be punished.
1
More than 10 thousand yuan
five
A fine of less than ten thousand yuan.
To sum up, although the state does not force units to pay housing provident fund for employees, most units will pay five insurances and one gold, which is also a basic welfare treatment for employees. There are many ways for employees to know whether the company has paid five insurances and one gold. The most intuitive way is to look at the monthly salary slip to see if there are five insurances and one gold to deduct the expenses. In addition, employees can also check the payment of personal five insurance and one gold account by themselves.
Extended reading:
What does the employee's five insurances and one gold mean?
What is the payment ratio of Changshu five insurances and one gold?
Does the after-tax salary include five insurances and one gold? What are five insurances and one gold?