Looking for work, in addition to asking for wages, generally have to ask how to pay five insurance and one gold. The reason is that you can't live without it. But there are some secrets that you don't know about the five insurance policies. For example, the pension insurance to pay more ≠ get more; medical insurance is not all the disease can get insurance.

Here is the secret of "five insurance and one gold":

Five insurance and one gold payment ratio table across the country

Five insurance and one gold, refers to the employer to give the workers several kinds of security treatment of the collective name, including pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, and housing and housing fund. The five insurance and one gold is the collective name of several security benefits given by the employer to the workers.

The monthly payment amount of the five insurance and one gold = the payment base × the payment ratio

The ratio of the five insurance and one gold is usually in percentage, for example, pension insurance: 22% of the unit's contribution ratio, 8% of the individual's contribution ratio; medical insurance: 7% of the unit's contribution ratio, 2% of the individual's contribution ratio. Generally speaking, the five insurance premium contribution base is the month's salary, but if the salary is very high (for example, more than three times the average monthly social wage in your city in the previous year), the base will be to the top, and if the salary is particularly low (for example, less than sixty percent of the average monthly social wage in your city in the previous year), the base will also have a cap.

Warm reminder: the five insurance and one gold payment ratio and five insurance and one gold contribution base is not nationally uniform, each place has a different standard, there will be corresponding changes every year, specific to the local human resources and social security bureau and housing fund management center published data shall prevail, the following data is for reference only! 0.5% Individuals do not contribute 7% 7% Guangzhou 12% 8% 7% 2% 1.5% 0.5% 0.85% Individuals do not contribute 0.5% Individuals do not contribute 5%-20% 5%-20% Hefei 20% 8% 8% 8% 2% 1% 1% 0.8% Same as above 0.5% Same as above 5%- 20% 5%-20% Nanjing 20% 8% 9% 2%+10 yuan 2% 1% 0.8% Ditto 0.5% Ditto 8% 8% 8% Tianjin 20% 8% 10% 2% 2% 1% 0.8% Ditto 0.5%-2% Ditto 11% 11% Hangzhou 14% 8% 11.5% 2%+4 yuan 2% 1% 0.6% Ditto 0.5%-1.2% Ditto 12% 12% Xi'an 20% 8% 7% 2%+8 RMB 2% 1% 0.5% Ditto 1% Ditto 10% 10% Taiyuan 20% 8% 7% 2%+5 RMB 2% 1% 0.5% Ditto 0.6% Ditto 10% 6% Jinan 20% 8% 8% 2%+4 RMB 2% 1% 0.8% Ditto 0.5% Ditto 8% 8% Fuzhou 18% 8% 8% 2%+65 RMB 1% 1% 0.7% Ditto 0.5%~3% Ditto 12% 12% Changsha 20% 8% 8% 2% 2% 1% 0.7% Ditto 0.5% Ditto 8%-12% 8%-12% Chengdu 20% 20% 7.5% 2% 2% 1% 0.6% Ditto 0.6% Ditto 6%- 12% 6%-12%

God is five insurance and one gold: social security five insurance and one gold, including pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, housing fund.

The secret of the five insurance and one gold scam: your money is not paid in vain

Formal five insurance and one gold payment ratio

Next, we come to the detailed interpretation of the secret of the five insurance and one gold.

1, Linfen City Pension Insurance: after retirement your consumption level may have to fall dramatically

At present, China's pension insurance system, to the "urban workers basic pension insurance" as the core. This means that working people have a sum of money deducted from their paychecks every month, and when they reach the legal retirement age (60 for men and 50 for women) they can receive a pension from the social security system.

Suppose you graduated from college at the age of 22 and worked in Beijing, which has the highest pension development index in China, with an average monthly income of 8,000 yuan (the average monthly salary in Beijing was 4,672 yuan in 2011) and a unit contribution of 8,000 yuan to the salary base. According to the fixed growth rate of 5%, your monthly salary will be 48,600 RMB when you retire (age 60). And according to the current standard, the pension you receive after retirement is $8,624. This equates to only 18% of your pre-retirement salary and is less than the national average basic consumer spending.

2. Linfen medical insurance: not all diseases can be insured

Cosmetic surgery, weight loss, height increase, myopia correction, infertility, sexual dysfunction, mental illness, the above medical expenses, medical insurance does not care.

In addition, if the unfortunate traffic accident, or by thugs hurt, these are not in the medical insurance coverage, only in the public security organs to prove that really can not find the victim of the case, can be temporarily written off by the medical insurance.

There are also many restrictions on the use of medical insurance in other places. In the domestic non-residential place of sudden illness, the need for emergency rescue can first be near the hospital, but must be within three working days, the date of hospitalization, hospital name and other information reported to the participating medical insurance agency for the record, the condition is stabilized after the need to continue to treat, should be transferred to the designated medical institutions in time to seek medical treatment.

3, Linfen City, to receive unemployment benefits, you must first meet the following two conditions:

1) the unit and I have been in accordance with the provisions of the obligation to pay unemployment insurance contributions for one year

2) not their own initiative to resign

Then there is a whole lot of formalities to be done: you should hold the vocational guidance and training card, household registration book, ID card, and the termination of the labor (employment) contract within 60 days of the date of leaving the company. Within 60 days from the date of separation, you should bring your vocational guidance and training card, household register, ID card, proof of termination of the labor (employment) contract or working relationship, and a photo to the labor security department of the street or town where your household is located to register as unemployed and go through the procedure of applying for unemployment insurance benefits.

Note that it is the location of the hukou, which means that if you have a hukou in Gansu and work in Shanghai, you will have to go all the way back to your hometown to do it. The current standard, most of the cities in a month of unemployment insurance premiums ranging from a few hundred dollars, basically no more than 1,000 yuan, the more economically backward areas, the less you can receive. Money is not much, can be collected for a long time is not long: unemployment before the cumulative contribution of 1 year to 5 years, up to 12 months; 5 years to 10 years, up to 18 months; cumulative contribution time of 10 years or more, up to 24 months.

4, Linfen City, work-related injury insurance: 48 hours of life and death line

June 19, the network appeared on the Internet, entitled "minor civilian workers die 1 hour late is not considered a workplace death forcing people to die early? The net post. The net post said, Hunan Loudi 17-year-old civilian workers Chen Guo, in Dongguan City, Shijie Town, working in severe heatstroke death. As Chen Guo died in the 49th hour after the onset of the disease, his family has not been able to get compensation after 20 days.

They were told that Article 15 of China's Work Injury Insurance Regulations stipulates that if a person dies of a sudden illness during working hours and at work, or if he dies within 48 hours after being rescued, the death is regarded as a work injury. Chen Guo is the onset of the 49th hour after the death, is not considered a work injury.

In fact, the dispute and litigation about the recognition of work injury has been continuous. Not only 48 hours of life and death line, to recognize the work injury, not so easy.

5. Linfen Maternity Insurance: You must have a unit

Maternity is a very private thing, but if you don't have a work unit, it's hard to enjoy maternity insurance. Because maternity insurance must be paid by the unit. In other words, a full-time wife would not be able to have maternity insurance.

Maternity insurance can only be enjoyed if you have paid contributions for at least one year. After the birth of a child, you will have to continue to pay, but if you don't, you won't be able to enjoy the benefits of family planning at a later stage.

6, Linfen housing fund: long-term use is not cost-effective

Many people know that the more you pay for housing fund every month, the better, the more you can buy a house in the future, renovation can be used. But for those who don't buy a house, or are not prepared to buy a house in the short term, it's not cost-effective to have a provident fund just sitting in your account.

This is because the portion of the provident fund that is paid in the current year can only earn a demand deposit rate, while the funds paid in previous years can only earn a three-month fixed deposit rate. With inflation on the rise, it is obviously not as good as using it for investment yourself, or even a one-year fixed deposit in a bank.

Now, these little secrets about the five insurance funds, you have figured out?