It is five insurance and one gold, five insurance and one gold refers to the collective name of several kinds of protective treatment given to workers by employers, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and housing provident fund. "Individual employed workers shall contribute to the housing provident fund in accordance with the regulations." The housing fund is a "shall pay" item, which legally means that it must be paid, and also shows that it is an obligation to pay.
The 13th Five-Year Plan of March 23, 2016, proposed the merger of maternity insurance and basic medical insurance. This means that in the future, with the merger of maternity insurance and basic medical insurance, people are familiar with the "five insurance and one gold" or will become "four insurance and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will purchase benefits for employees, such as personal accident insurance, The company's main goal is to provide the best possible service to its employees.
By the end of June 2017, some pilot areas will merge maternity insurance and employees' basic medical insurance, and maternity expenses will be reimbursed along with general medical expenses for a pilot period of about one year. The first batch of pilot areas include 12 cities, including Handan in Hebei, Jinzhong in Shanxi, Shenyang in Liaoning, Zhengzhou in Henan and Yueyang in Hunan. After the merger of the two insurances, it will be four insurances and one pension in the future. Those who are enrolled in medical insurance can enjoy the benefits of maternity insurance.
Expanded:
Five insurance and one gold:
(1) Social security and provident fund account opening
Enterprises need to be set up on the date of thirty days Within the social security bureau and provident fund center for social security, provident fund account opening. After opening the social security account, you will get the Social Security Registration Certificate, and after opening the provident fund account, you will get the unit provident fund registration number.
(2) Adding and removing employees
Each month, the unit must add new employees added to the business into the unit's five insurance and one gold account, and remove employees who have left the company from the account. The social security and provident fund accounts are two separate accounts, and the operation of adding or removing employees must be done in both accounts.
(3) Confirmation of contribution base
Units are required to declare the correct contribution base for their employees every month to ensure that they pay their contributions properly. The contribution base is based on the employee's average salary of the previous year or the salary of the first month of employment.
(4) Contributions to the five insurance and one pension
If the enterprise, the bank and the social security/provident fund management organization have signed a tripartite agreement on bank contributions, the five insurance and one pension fees will be deducted directly from the enterprise's bank account at a fixed time each month. Of course, enterprises can also choose to pay the fees on-site by cash or check at the five insurance and one fund management agency.
Baidu Encyclopedia - Five insurance and one pension