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At present, many people pay more attention to the company's welfare when looking for a job, because this welfare is related to your future development in the company and to the company's rising space. Then, what is the proportion and composition of Zhengzhou's five insurances and one gold? The next 365 laws will be interpreted for you, and at the same time let you know clearly whether you need this job or not.
1. What are five insurances and one gold?
Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. "On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" project, which is legally necessary, and paying it also means an obligation. 20 16 March 23rd "13th Five-Year Plan" outlines that maternity insurance and basic medical insurance should be merged. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.
Second, Zhengzhou five insurance and one gold ratio
social security
1. What is the standard for units and employees to pay the basic old-age insurance premium? The basic old-age insurance premium is paid jointly by the unit and individual employees. Pay according to the insurance payment base. The contribution rate is 27%, of which the enterprise contribution rate is 19% and the employee contribution rate is 8%.
2. The social security department establishes a personal account for each insured person, and records the payment of the basic old-age insurance premium and the storage of the personal account of the insured person as an important basis for calculating the payment period and pension insurance benefits.
Personal contributions are included in personal accounts.
3, the insured unit male workers over 60 years of age, female workers over 50 years of age.
4. Can I enjoy the basic pension on a monthly basis after the old-age insurance has been paid 15? According to the current social security policy, the conditions for enjoying retirement benefits are: reaching the statutory retirement age stipulated by the state; During the insurance period, I paid the endowment insurance premium according to the regulations; The continuous payment period is greater than 15 years. The above three conditions are indispensable.
medical insurance
1, the basic medical insurance premium is paid by the unit and individual employees. Pay according to the insurance payment base. The proportion of payment is 6% for the unit and 2% for the individual. From the month following the employee's approval of the statutory leave, the individual will no longer pay the basic medical insurance premium.
2. Medical insurance premiums paid by individuals (2%) are all credited to personal accounts. Part of the medical insurance premium paid by the unit (6%) is allocated to individual accounts according to the different age groups of employees, and the rest is used as a medical insurance pooling fund. The funds in personal accounts consist of three parts: one part is 2% paid by employees themselves; The second part is included in the unit payment. Under 45 years old (including 45 years old) is included in the unit payment according to 1% of my salary, over 45 years old is included in 1.5%, and retirees are included in 4.2% of my pension.
The above is a simple answer about the ratio of five insurances and one gold in Zhengzhou. I believe you have a preliminary understanding of the five insurances and one gold here, but the policies and regulations vary from place to place. Everyone must have a clear understanding of the relevant departments in combination with local laws and regulations and their own situation, make full preparations, and don't forget to have a clear understanding of their rights.