Pension Insurance
Medical Insurance
Housing Provident Fund
About the five insurance and one gold: what is the five insurance and one gold
"Five insurance and one gold" is about the five kinds of insurance, including old age insurance, medical insurance, unemployment insurance, work-related injuries and maternity insurance;
"One gold" refers to the housing provident fund. Maternity insurance;
The "one gold" refers to the Housing Provident Fund (HPF).
These three types of insurance are paid by the enterprise and the individual **** the same premiums, and the work injury insurance and maternity insurance are entirely borne by the enterprise. Individuals do not need to pay. It is important to note that the "five insurance" is legal, while the "one gold" is not legal.
What are the contribution rates for the five insurance policies and one pension?
At present, the contribution ratio for pension insurance in Beijing is 20% for the unit (17% of which is allocated to the overall fund and 3% to the individual account) and 8% for the individual (all of which is allocated to the individual account); the contribution ratio for medical insurance is 10% for the unit and 2% + 3 yuan for the individual;
The contribution ratio for unemployment insurance is 1.5% for the unit and 0.5% for the individual; and the contribution ratio for work-related injuries is determined according to the industry in which the unit is classified. The rate of contribution for maternity insurance is 0.8% for the unit and 0.5% for the individual.
Provident fund contribution ratio: according to the actual situation of the enterprise, choose the housing fund contribution ratio. However, in principle, the maximum contribution shall not exceed 10% of 300% of the average salary of the employees in Beijing.
(Co-ordinated fund that is: national co-ordination is needed in the process of the gradual transformation of the pension insurance system from a state-unit system to a state-society system, in order to solve the problems of unbalanced economic development and the aging of the population.
(1) the establishment of a social co-ordination fund based on contributions from enterprises; (2) the establishment of individual accounts based on contributions from employees and enterprises; (3) the government bears the administrative costs of the pension insurance fund. This semi-fund system combining social co-ordination and individual accounts is conducive to 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-based pension insurance system to an individual-based 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 and some related subsidies at the time of payment, but some enterprises pay only the basic salary, which is against the law. The specific ratio to the local labor department to consult.
On the pension insurance, unemployment insurance and medical insurance drawdown, is in the case of legal permission to receive, by the establishment of the insurance registration department to issue, for example, "pension insurance, to reach the age of legal can, unemployment insurance benefits to receive is also to have the conditions, for example, you go to the household location of the street office for proof of unemployment, and at the same time do the The job seeker's license means that you must have the will to look for a job after you become unemployed, and only under such conditions can you receive it.
If you don't want to work after you lose your job, then you can't be paid insurance benefits. In addition, the pension and unemployment benefits cannot be enjoyed at the same time.
Are you entitled to insurance during your probationary period?You should be insured during your probationary period because the probationary period is an integral part of the contract period, it is not isolated from the contract 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 don't need to pay the insurance, and the commercial insurance can't replace the social insurance. Enjoyment of pension insurance
Accumulated pension insurance payment for more than 15 years, and reached the legal retirement age, you can enjoy the pension insurance treatment:
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 contributed for less than 15 years) + principal and interest on the individual account and ÷ 120 + indexed average monthly salary for contributions × years of contributions 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 difficulties of the subsidy, paid monthly until the death of the immediate family members to support.
Note: Pension insurance should be paid continuously as far as possible. According to the relevant documents, where an enterprise or an insured person pays basic pension insurance premiums intermittently (except for unemployed persons during the period when they receive unemployment insurance premiums or those who do not pay the premiums in accordance with the relevant regulations), and the insured person complies with the old-age pension conditions stipulated by the state, when calculating the basic pension, the base of its calculation of the basic pension shall be calculated according to the cumulative intermittent contribution time (The cumulative interrupted contribution time is calculated as one interrupted contribution year for every full 12 months, and is not calculated for less than 12 months)
For example:
If you retire in 2020, your basic pension will be the 2019 average social wage × 20%, but if you have interrupted your pension insurance for 30 months before retirement, the base pension will be calculated according to the average social wage × 20% of 2019. Before the pension insurance interruption of 30 months, is interrupted for 2.5 years, according to 2 years, your basic pension is the average social salary in 2017 × 20%
Medical insurance enjoyment
1, outpatient and emergency medical expenses
In the year of the active employee (January 1 - December 31) in line with the scope of the basic medical insurance medical expenses Accumulated more than 2,000 yuan or more;
2. Settlement ratio:
50% reimbursement for the part of 2,000 yuan or more for the dispatched staff during the contract period, and 50% out-of-pocket payment from the individual;
The maximum amount of outpatient and emergency reimbursement paid to the dispatched staff accumulated in a single year is 20,000 yuan.
3, the participants should keep the outpatient medical bills (including receipts and prescription bottoms for the parts below the large amount) of the outpatient treatment in the designated hospitals as the vouchers for reimbursement of the medical expenses;
4, outpatient treatment of three special diseases: when the participants need to seek outpatient treatment for malignant tumors with radiation treatment and chemotherapy, renal dialysis, and anti-rejection drugs after renal transplantation, the second or third level designated hospitals where the participants seek outpatient treatment will provide the outpatient bills to the participants. The second and third level designated hospitals will issue "disease diagnosis certificates" and fill in the "Beijing Medical Insurance Special Disease Declaration and Approval Form", and report it to the district medical insurance center for approval and filing. 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 expenses incurred meet the scope of outpatient special diseases, they will be settled with reference to hospitalization;
5. Inpatient medical care
● Hospitalization deposit: When a participant who meets the conditions for hospitalization is hospitalized, the hospital will collect part of the participant's deposit when he is admitted to the hospital for income purposes, and the amount of the deposit will be determined by the hospital on a pro rata basis according to his condition. If the unit of the dispatched personnel and the insured personnel fail to pay the medical insurance premiums in full and on time, 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 radiation therapy and chemotherapy for patients with malignant tumors, renal dialysis, kidney transplantation, and taking antiretroviral drugs after a transplant, as well as patients suffering from malignant tumors. Medical expenses incurred by patients with malignant tumors under outpatient radiotherapy and chemotherapy, renal dialysis, anti-rejection drugs after kidney transplantation, and patients with mental illnesses requiring year-round hospitalization are subject to a settlement cycle every 360 days;
● Medical expenses incurred by insured persons under treatment in the family hospital beds of designated community health service centers (stations) are subject to a settlement cycle every 90 days;
● At the time of discharge from the hospital or the end of the phase of treatment of the insured persons, the dispatched persons are required to settle the medical expenses incurred by the dispatched persons at the expense of the hospitals. When the participant is discharged from the hospital or at the end of the phase of treatment, the medical expenses that should be paid by the dispatched person at his/her own expense and out-of-pocket expenses should be settled with the hospital first, and those medical expenses that should be paid by the basic medical insurance co-ordination fund and the large amount of medical mutual aid funds should be declared by the hospital to the medical insurance center for examination and settlement;
● The settlement of medical expenses for hospitalization of the participant, which are in line with the scope of the provisions of the basic medical insurance, will be set as a starting line and a maximum amount of the basic medical co-ordination fund payment;
● The starting line is RMB 1,300 for the first hospitalization and RMB 650 for subsequent hospitalizations, and the maximum payment limit is RMB 50,000; the mutual aid
funds pay 70% of the large medical expenses exceeding the maximum payment limit (excluding the portion below the starting line and that borne by the dispatched personnel), and the dispatched personnel bears 30% of the burden individually. The maximum payment is 100,000 yuan in one year. The settlement standard for hospitalization expenses is calculated in sections and paid cumulatively according to the level of the hospital and the amount of expenses in a settlement cycle.
(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 expenses paid to eligible unemployed people, it is the most important unemployment insurance treatment. Unemployment insurance benefits are 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 of 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, it is necessary to obtain a statement of the situation from the enterprise and stamp it with the enterprise's official seal, and apply for recognition of the work injury as soon as possible (preferably within three working days) and provide the following materials:
1. Diagnosis of the initial treatment or hospitalization medical records;
2. Diagnostic certificate of occupational disease (one original, one photocopy 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 identity card;
5, the validity of the original labor contract
Maternity insurance entitlement
Can be reimbursed for maternity-related expenses
Reimbursement includes, maternity allowance, maternity medical expenses, medical expenses for family planning surgery, and medical expenses for family planning surgery. medical expenses, medical expenses for family planning surgery, and other maternity-related expenses stipulated by the state and the city.
The maternity allowance is calculated by dividing the employee'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 female worker's salary during the maternity leave; if the maternity allowance is lower than her own salary standard, the difference shall be made up by the enterprise
Maternity medical expenses include medical examination fees, delivery fees, surgical fees, hospitalization fees, and medicine fees incurred by the female worker due to her pregnancy or childbirth.
Medical expenses for family planning surgery include medical expenses incurred by employees for family planning.
Now it is required to pay 20 years for health insurance and 15 years for pension to be eligible for pension and post-retirement health insurance reimbursement
There is also a little bit of stuff you can't find on the internet
First of all, if you are going to work in a place other than the place where your hukou is located, for example, if your hukou is located in Beijing, and you are going to work in Shenzhen, no matter whether or not your hukou has been transferred to Shenzhen, and you don't want to work there, can you transfer your hukou to Shenzhen? The five insurance funds paid in Shenzhen can be transferred out is very problematic because now the national five insurance funds are not connected to the network, only the Beijing city is connected to the network That is to say, if you originally worked in a unit in Beijing a few years later jumped to another unit in Beijing to work so that the five insurance funds is not a problem, but if you jumped from the other provinces and cities when the transfer will be very difficult to transfer the transfer of the problem can not be transferred
About the mentioned earlier, three of the five insurance is the enterprise's third insurance. Three of the five insurance policies are paid by both the company and the individual, which means that for example, in the case of pension insurance, if your salary is 2,000, then you have to pay 8% and the company has to pay 15% (the above figures are hypothetical), and the money is deposited into an account which can be withdrawn only when you meet the conditions for entitlement to pension insurance (see the previous section for the specific conditions), and then, taking into account the contents of the paragraph above, in the event that your money cannot be transferred, then it will be withdrawn. --Because you don't qualify for the Housing Provident Fund, you can only withdraw it when you buy a house
Some people may ask if I don't intend to stay in the city where I started working for the rest of my life in order to avoid not being able to transfer out of the fund in the future, can I not pay? The answer is not at least three insurance part of the state mandatory must be on the so more helpless Also on the five insurance and one gold on the basis of which is to take which part of your salary multiplied by the percentage of the problem is this First of all, look at the composition of the salary basic salary + benefits + bonuses a lot of enterprises are only according to the basic salary on the five insurance and one gold, because if according to the three parts of the calculation, you personally on more but the unit to give you more (enterprise), you have to pay more. Give you more (enterprises and individuals *** with the payment of five insurance and gold are individuals to pay a small head of the unit to pay a large head) so many enterprises in order to save money for their own base is to be able to less less in addition to the welfare part of the There is a great deal of catnip This everyone will be signing a contract when you must ask!