"Five insurance and one gold" refers to five kinds of insurance, including pension insurance, medical insurance, unemployment insurance, work injury insurance and health
parental insurance;
"one gold" refers to the housing fund.
While pension insurance, medical insurance and unemployment insurance, these three kinds of insurance are paid by the enterprise and the individual **** the same premiums,
Worker's compensation insurance and maternity insurance is entirely borne by the enterprise. The individual does not need to pay. It is important to note that the "five
insurance" is legal, while the "one gold" is not legal.
What is the percentage of contribution for "five insurance and one pension"?
Currently, Beijing's pension insurance contribution rate is 20% for the unit (of which 17% is allocated to the general fund and 3% to the individual account
) and 8% for the individual (all of which is allocated to the individual account); the medical insurance contribution rate is 10% for the unit and 2% + 3 yuan for the individual;
Unemployment insurance contribution rate is 1.5% for the unit and 0.5% for the individual; and the work injury insurance is based on the following criteria
Workers' compensation insurance is based on the scope of the industry in which the unit is classified
to determine its rate of compensation for work-related injuries; maternity insurance contribution rate: 0.8 percent for the unit, and no money for the individual.
Provident fund contribution ratio: according to the actual situation of the enterprise, choose the housing provident fund contribution ratio. However, in principle, the maximum
contribution shall not exceed 10% of 300% of the average salary of Beijing employees.
(Co-ordinated fund that is: in the process of the gradual transformation of the pension insurance system from a state-unit system to a state-society system
National co-ordination is needed in order to solve the problems of unbalanced economic development and the aging of the population.
(1) A social co-ordination fund is established with contributions from enterprises; (2) individual accounts are established with contributions from employees and enterprises; and (3
) the government bears the administrative costs of the pension insurance fund. This semi-funded system combining social coordination and individual accounts is
favorable for coping with the crisis of China's aging population, gradually spreading out the cost of transition from the old to the new system, and gradually realizing the transformation from an enterprise
pension insurance system to an individual pension insurance system).
The amount of contribution for the four insurance policies is different in each region, and the base is based on the gross salary. Some enterprises
have a basic salary with some related subsidies at the time of payment, but some enterprises pay only the basic salary, which
is against the law. The specific proportion should go to the local labor department to consult.
About the pension insurance, unemployment insurance and medical insurance withdrawals, is in the case of legal permission to receive,
It is by the establishment of the insurance registration department to issue, for example, "Pension insurance, to reach the legal which Gui bog bog lying on the top of the Yu б when the O Chengn Jin to receive is also to have the conditions, for example, you go to the hukou location of the street office to apply for the unemployment
At the same time
And the job-seeking certificate, which means that you must also have the will to find a job after you lose your job, so that the conditions can be received.
If you don't want to work after you lose your job, then you can't be paid. Also, pension and unemployment benefits are not
available at the same time.
-Will I be entitled to insurance during my probationary period?
There should be insurance coverage during the probationary period because the probationary period is an integral part of the contractual period and it is not segregated
from the contractual period. So you should be insured during the probationary period as well. Besides, it is a
legal obligation for enterprises to insure their employees and it does not depend on the intention or voluntariness of the parties concerned, even if the employees indicate that they do not need to pay the insurance, it is not
okay, and the commercial insurance cannot replace the social insurance. Pension insurance entitlements
Accumulated pension insurance contributions for more than 15 years, and reached the legal retirement age, you can enjoy pension insurance entitlements:
1. Receive the basic pension according to the regulations on a monthly basis, until death.
The formula for calculating the basic pension is as follows:
Basic pension = basic pension + individual account pension + transitional pension = average monthly salary of the city's employees in the year before retirement
×20% (15% for those who have paid contributions for less than 15 years) + principal and interest on the individual account and ÷12
0 + indexed average monthly contribution salary×1997 The number of years of contribution before the end of 1997 × 1.4%.
2, death treatment. (1) funeral expenses (2) a one-time pension (3) eligible to support the immediate family members of the living
living difficulties in the subsidies paid on a monthly basis until the death of the immediate family members of the support.
Note: Pension insurance should be paid continuously as far as possible, according to the relevant documents, where the enterprise or the insured person pays
basic pension insurance premiums intermittently (except for the unemployed who receive unemployment insurance benefits or those who do not pay the premiums in accordance with the relevant regulations
), and the insured person meets the old-age conditions stipulated by the state, when calculating the basic old-age pension, the basic old-age pension will be calculated on the basis of the
base of calculation
.
Calculation base, according to the cumulative interruption of the contribution time year by year forward to the corresponding year of the previous year's average wage of employees in the city
Calculation (cumulative interruption of the contribution time, according to each full 12 months as a interruption of the contribution year calculation, less than 12 months do not
Calculation)
Take an example:
If you retired in 2020, the normal Your basic pension is the average social salary in 2019 × 20%, but if
if you interrupt your pension insurance for 30 months before retirement, it is an interruption of 2.5 years, calculated on the basis of 2 years, your basic pension
pension is the average social salary in 2017 × 20%
Enjoyment of medical insurance
1, outpatient and emergency treatment Medical expenses
Accumulated medical expenses in line with the scope of basic medical insurance within the year of the active employee (January 1-December 31) exceed
the portion of more than
2000 yuan;
2. Settlement ratio:
50% of the portion of more than 2000 yuan is reimbursed to the dispatched personnel during the contract period, and the individual pays 50% out of his own pocket;
Accumulated outpatient, emergency room expenses are paid to the dispatched personnel within a The maximum amount of outpatient and emergency reimbursement paid to the dispatched personnel in a year is 20,000 yuan.
3. Participants should keep the outpatient medical receipts (including the receipts of the part below the large amount, the bottom of the prescription, etc.) of the outpatient treatment in the designated hospitals as the vouchers for reimbursement of the medical expenses;
4. Outpatient medical treatment for the three kinds of special illnesses: the participants suffering from malignant tumors with radiation therapy and chemotherapy, renal dialysis, kidney transplantation, and taking the antirejection drugs need to be treated by the outpatient clinic, which is the best way for the participants to get the medical treatment. In the outpatient medical treatment, the second and third level designated hospitals where the insured person seeks medical treatment will issue a "certificate of disease
diagnosis" and fill in the "Beijing Medical Insurance Special Disease Declaration and Approval Form", which will be submitted to the District Medical Insurance Center for approval and preparation
case. The outpatient medical treatment and medicine collection for these three special diseases are limited to the approved designated hospitals, and cannot be purchased at designated retail
pharmacies. If the medical fees incurred meet the scope of outpatient special diseases, they will be settled with reference to hospitalization;
5. Inpatient medical care
●Inpatient deposit: When a participant who meets the conditions for hospitalization is hospitalized for income, the hospital will collect part of the participant's deposit
, the amount of which will be determined by the hospital on a pro rata basis according to the condition of the participant. If the unit of the dispatched personnel and the insured personnel fail to pay the medical insurance premiums on time
in full, the hospitalization deposit will be fully advanced by the dispatched personnel personally;
● Settlement cycle: every 90 days of inpatient treatment for the insured personnel is a settlement cycle: if it is not more than 90 days, each hospitalization
is a settlement cycle;
●Outpatient consultation for malignant tumor patients Medical expenses incurred by patients with malignant tumors in outpatient clinics for radiotherapy and chemotherapy, kidney dialysis, anti-rejection drugs after kidney transplantation, and patients suffering from psychiatric diseases that require year-round hospitalization are subject to a billing cycle of every 360 days;
●Medical expenses incurred by insured persons for treatment in the family hospital beds of designated community health service centers (stations) are subject to a billing cycle of every
90 days;
●At the end of a participant's discharge or stage of treatment, it is necessary for the individual dispatcher to first settle with the hospital the expenses that should be paid by the dispatcher
individuals at their own expense and out-of-pocket expenses, and the medical expenses that should be paid for by the Basic Medical Insurance Co-ordination Fund and the Large Medical Mutual Aid Funds should be declared by the hospital for examination and settlement to the medical insurance center;
●Hospitalization of a participant in a hospital is in line with the Basic Medical Insurance provisions. The settlement of medical expenses that meet the scope of basic medical insurance is subject to a threshold and a maximum payment amount from the basic medical
coordination fund;
●The threshold is 1,300 yuan for the first hospitalization and 650 yuan for subsequent hospitalizations, with a maximum payment limit of 50,000 yuan; the amount of the large sums that exceed the maximum payment limit (excluding the portion below the threshold and the dispatched personnel's personal burden) is subject to a maximum payment limit of 50,000 yuan; the amount of the large sums that exceed the maximum payment limit is subject to a maximum payment limit of 50,000 yuan. Mutual aid for medical expenses
70% of the funds will be paid and 30% will be borne by the dispatched personnel. The maximum payment is 100,000 yuan in one year. The settlement standard for hospitalization expenses is calculated in stages and paid cumulatively within a settlement cycle according to the level of the hospital and the amount of expenses
.
(When the rates are adjusted, they will be implemented according to the new standards)
Note: The health insurance is exempt from liability for traffic accidents that are not caused by work!
Unemployment insurance to enjoy the treatment
Unemployment insurance continuously paid for more than one year, after the file returned to the street. You can enjoy unemployment insurance treatment in the street.
1. Unemployment insurance benefits: refers to the unemployment insurance agency in accordance with the provisions of the basic living
living expenses paid to eligible unemployed people, it is the most important unemployment insurance treatment. Unemployment insurance treatment is implemented according to the relevant documents of Beijing Municipality;
2. Medical benefits during the period of receiving unemployment insurance benefits: it refers to the benefits paid to the unemployed for the medical expenses incurred during the period of receiving unemployment insurance benefits
. It is implemented in accordance with the relevant policies and regulations in Beijing;
3. Funeral benefits for unemployed persons who die while receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members are implemented in accordance with the relevant regulations.
Workers' Compensation Insurance
In the unfortunate event of an accident during the contract period, you need to obtain a statement of the situation from the enterprise and stamp it with the enterprise's official seal, and then apply for a workers' compensation insurance as soon as possible (preferably
within three working days), and you need to provide the following materials:
1, diagnosis of initial treatment or hospitalization medical records;
2, diagnostic certificates of occupational diseases (originals, copy of each);
3, traffic accidents need to provide the traffic brigade's accident verdict or the traffic department's traffic accident certificate;
4, a copy of the ID card;
5, the original labor contract within the period of validity
Maternity insurance to enjoy the treatment
Can be reimbursed for maternity-related expenses
Reimbursement scope includes. Maternity Allowance, Maternity Medical Expenses, Medical Expenses for Family Planning Surgery, and other maternity-related expenses as prescribed by the state and the city
.
The maternity allowance is calculated by dividing the female worker's contribution base for the month in which she gives birth by 30 and multiplying it by the number of days of maternity leave. The maternity allowance
is the wage of the female worker during her maternity leave, and if the maternity allowance is lower than her own wage, the difference shall be made up by the enterprise
Maternity medical expenses include medical examination fees, delivery fees, surgical fees, hospitalization
fees, and medication fees incurred by the female worker as a result of her pregnancy or childbirth.
Medical expenses for family planning surgery include medical expenses incurred by workers for family planning.
Now it is required to pay 20 years for health insurance and 15 years for pension to qualify for pension and enjoy health insurance after retirement
And then there is one more thing that you can't find on the internet
First of all if you go to work in a non-hukou location such as Beijing and go to work in Shenzhen regardless of the transfer of hukou
Then you have to go to Shenzhen and work in the future in case you don't work in Shenzhen. If you don't work in Shenzhen in the future, then it's a big problem whether you can transfer out the five insurance funds you paid in Shenzhen because now the whole country is not connected to the network of five insurance funds but only to the network of the Beijing Municipal Government, that is to say, if
If you had worked in a Beijing unit for a few years, then you jumped to another Beijing unit to work so that there is no problem to transfer out five insurance funds, but if you jumped from other provinces or cities, then you will have no problem in transferring. The five insurance mentioned earlier in the three insurance is the enterprise and individual **** the same payment means so for example for the pension insurance
Insurance for example your salary is 2000 then you personally have to pay 8% of the unit to pay 15% (the above data are false
Set up), the money are deposited in one of your account until you can meet the requirements. The account until you meet the time you can enjoy the pension insurance can
to withdraw (see the specific conditions of the previous) and then take into account the content of the above paragraph in case if the transfer can not be then
why your money will be in vain and can not be withdrawn
All enterprises and individuals **** together with the part of the contribution is this way housing fund is also this way, for example, in accordance with the salary multiplied
by the ratio if the salary of the
This is a good idea, but it is not a good idea, because it is not a good idea. p>
By ratio, if you have to pay 500 per month and the organization pays you 1,000, and if you jump ship and the money can't be transferred, then
You're paying 500 per month for nothing, and you can't take it out - because you don't qualify for a housing fund,
You can only take it out if you're buying a house.
Some people may ask that if I don't intend to develop a life in the city where I started working, in order to prevent the transfer of
to the five insurance funds, can I not pay? The answer is not at least three insurance that part is the state mandatory must
must be on the so more helpless
Additionally on the five insurance and gold on the base is to take which part of your salary multiplied by that percentage of the problem is this
first look at the composition of the salary basic salary + benefits + bonuses
Many companies are only according to the basic salary on the five insurance A gold because if you follow the three parts to calculate then you personally
on some more but the unit to you on more (enterprises and individuals *** with the payment of five insurance and gold are individuals pay
smaller unit to pay a large amount of) so many enterprises in order to save money for their own base is less than less
Additionally for the welfare part of the big cats and dogs this everyone will be in the future in the contract signing time must be asked! The first thing you need to do is to ask!
As I said earlier, the housing fund is also paid by both the enterprise and the individual***, but the part that the enterprise pays to you sooner or later is also
yours (as long as you buy a house in the future, you can take out a lump sum), for example, if you pay 500 per month in accordance with the ratio of
the unit may give you a subsidy of 1,000, although this 1,500 can not be withdrawn before you buy a house. Theoretically
that 1000 is also for you then some companies will count that 1000 as a benefit for you in fact it should not be counted
！！！！ Because that 1,000 is virtual is you do not buy a house in the time will not be able to take out so everyone in the signing
when to ask clearly this benefit inside the housing fund is not included careful ah careful!
Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"