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Five insurances and one fund are the abbreviations of social insurance and housing provident fund. According to regulations, the company will pay five insurances and one fund for employees in the month after they join the company. In real life, most units will comply with the regulations, but there are also some small units that 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 fund? Let the editor tell you below.
1. How do employees know whether the company has paid five insurances and one fund?
According to relevant laws and regulations, pension insurance, medical insurance, unemployment insurance, and housing provident funds are shared by enterprises and individuals in a certain proportion; work-related injury insurance and maternity insurance are fully borne by enterprises, and individuals do not need to pay. The scope of collection of five insurances and one fund includes: state-owned enterprises, urban collective enterprises, urban private enterprises and other urban enterprises and their employees, public institutions that implement enterprise management and their employees, private non-enterprise units and their employees, etc.
Generally speaking, employees can judge whether the employer has helped them pay five social insurances and one fund from the following points:
1. The simplest way is to check the salary schedule (salary Whether social security fees and housing provident fund fees are deducted from the form). If there is a deduction, it is usually paid;
2. If the unit helps employees pay for five insurances and one fund, a social security card or provident fund card will be issued;
3. It can be found on the social security website and provident fund Check the official website. If there is a payment, you can find relevant records.
2. Does the probation unit have to pay social security?
During the probation period, the unit and employees must also pay five insurances and one fund in accordance with relevant regulations, because the probation period is an integral part of the contract period and is not isolated from the contract period. In addition, insuring employees is a legal obligation of the enterprise and does not depend on the intention or willingness of the parties, even if the employees indicate that they do not need to pay for insurance.
According to the relevant provisions of the law, for the five social insurances and one housing fund, paying units and individuals must pay in full and on time in the form of currency, and the portion that individuals should pay shall be withheld from their wages by their employer.
According to regulations, the five insurances and one housing fund cannot be reduced or reduced. For units that have difficulty paying housing provident funds, the decision shall be discussed and approved by the unit's employee congress or labor union. Due to different economic development conditions in different regions, the payment proportions of five social insurances and one housing fund are different across the country.
3. What should I do if my unit fails to pay the five insurances and one fund on time?
If a payer fails to pay and withhold social insurance premiums in accordance with regulations, in addition to being ordered to pay within a time limit, a late payment fee of 0.2% per day may be imposed, or even compulsorily levied.
If a payer fails to register, change or cancel social insurance registration in accordance with regulations, a fine of not less than 1,000 yuan but not more than 5,000 yuan may be imposed; the directly responsible person in charge and other directly responsible personnel may be fined not less than 5,000 yuan but not more than 1,000 yuan. A fine of less than RMB 10,000. According to relevant regulations, if an enterprise fails to pay maternity insurance premiums, it shall pay the outstanding amount and interest, and a late payment fee of 2‰ will be charged on a daily basis. Units that fail to complete the housing provident fund payment procedures may be punished.
1
More than 10,000 yuan
5
A fine of less than 10,000 yuan.
In summary, although the state does not force units to pay housing provident funds for their employees, most units will pay five social insurances and one fund, which is also a basic welfare benefit for employees. As for how employees know whether the company has paid five social insurances and one housing fund, there are many ways. The most intuitive way is to look at the monthly salary slip to see if there are any deductions for five insurances and one housing fund. In addition, employees can also check the payment status of their personal five insurance and one fund accounts by themselves.
Extended reading:
What does the five insurances and one housing fund for employees mean?
What is the payment ratio for Changshu’s five insurances and one housing fund?
Does the after-tax salary include five social insurances and one housing fund? What are five insurances and one housing fund?