the fees payable for "five insurances and one fund" are determined by referring to your pre-tax salary after combining the average consumption level of the local society. On-the-job employees' pension insurance contribution ratio is 21% paid by the company (17% of which is included in the overall fund and 3% in the personal account) and 8% for individuals (all of which are included in the personal account); Payment ratio of medical insurance: 11% for the unit and 2% for the individual+3 yuan. Unemployment insurance payment ratio: 1.5% for the unit and 1.5% for the individual; Work-related injury insurance determines its work-related injury rate according to the industry scope that the unit is divided into, and the unit pays it in full; Maternity insurance payment ratio: unit 1.8%, individuals do not pay. Provident fund contribution ratio: according to the actual situation of the enterprise, choose the proportion of housing provident fund contribution. But in principle, the maximum payment shall not exceed 1% of the average wage of local employees. If you don't have a unit and belong to "three no-employees", then 28% of the pension and 12% of the medical care+3 yuan will be paid by yourself, personally. Insurance, finance, telecommunications, communications, petroleum and other "high-income" industries are charged at 311% of this standard, and the amount they receive when they are old-age is the same as that of others, and they cannot buy unemployment insurance, maternity insurance and work-related injury insurance. The withdrawal of old-age insurance, unemployment insurance and medical insurance can only be obtained under the legal permission, and it is issued by the social security registration department. For example, "old-age insurance can only be obtained when you reach the legal age, and unemployment insurance benefits can also be obtained under conditions. For example, if you go to the street office where your account is located and apply for a job permit, it means that you must have the will to apply for a job after you lose your job. If you don't want to work after losing your job, you can't get insurance money. In addition, pension and unemployment benefits cannot be enjoyed at the same time. Accumulated payment of endowment insurance for more than 1.5 years, and reaching the statutory retirement age, you can enjoy the benefits of endowment insurance: 1. Receive the basic pension calculated and paid according to regulations on a monthly basis until your death. The calculation formula of basic pension is as follows: basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the year before retirement ×21% (1.5% if the payment period is less than 15)+personal account principal and interest and indexed monthly average payment salary ×1.4% before the end of 1997. 2. Death treatment. (1) Funeral expenses (2) One-time pension expenses (3) Subsidies for living difficulties of immediate family members who meet the support conditions are paid monthly until the immediate family members who support them die. Note: Old-age insurance should be paid continuously as far as possible. According to the relevant documents, if an enterprise or the insured pays the basic old-age insurance premium intermittently (except for those who are unemployed during the period of receiving unemployment insurance benefits or who do not pay according to relevant regulations), the insured meets the pension conditions stipulated by the state. When calculating the basic pension, the calculation base of its basic pension, Calculate the average salary of local employees according to the cumulative intermittent payment time pushed forward year by year to the previous year of the corresponding year (the cumulative intermittent payment time is calculated as an intermittent payment year every 1.2 months, but not less than 1.2 months). What benefits do you enjoy when you participate in medical insurance? 1. Medical expenses for outpatient and emergency treatment. On-the-job employees' medical expenses within the year (October 1-February 31) that meet the scope of basic medical insurance have accumulated more than 2,111 yuan; 2. Settlement ratio. During the contract period, 51% of the dispatched personnel will be reimbursed for more than 2,111 yuan, and 51% will be paid by the individual; In a year, the maximum amount of accumulated reimbursement for dispatched personnel for outpatient and emergency services is 21,111 yuan. 3, the insured should be properly kept in the designated hospital outpatient medical documents (including large part of the receipt, prescription, etc.), as a medical expense reimbursement certificate. 4. Outpatient treatment for three kinds of special diseases: When the insured person needs to take anti-rejection drugs after radiotherapy and chemotherapy for malignant tumor, renal dialysis and kidney transplantation, the second-and third-level designated hospitals where the insured person goes to see a doctor will issue a "disease diagnosis certificate", fill in the "Application and Approval Form for Special Diseases of Medical Insurance" and report it to the district medical insurance center for approval and filing. Outpatient treatment and drug collection for these three special diseases are limited to designated hospitals approved for treatment, and cannot be purchased at designated retail pharmacies. If the medical expenses incurred meet the prescribed scope of outpatient special diseases, they shall be settled with reference to hospitalization. 5. Hospitalization: ● Hospitalization deposit: When the insured meets the hospitalization conditions, the hospital collects part of the deposit of the insured, and the amount of the deposit is determined by the hospital according to the condition. If the dispatched personnel unit and the insured fail to pay the medical insurance premium in full and on time, the hospitalization deposit shall be paid in full by the dispatched personnel. ● Settlement period: every 91 days for hospitalization of insured persons is a settlement period; if it does not exceed 91 days, each hospitalization is a settlement period. ● The medical expenses incurred by patients with malignant tumor who take anti-rejection drugs after outpatient radiotherapy and chemotherapy, renal dialysis and kidney transplantation, and patients with mental illness who need to be hospitalized all the year round shall be settled every 361 days. ● The medical expenses incurred by the insured in the family sickbed treatment at the designated community health service center (station) shall be settled every 91 days. ● When the insured is discharged from the hospital or at the end of the stage of treatment, it is necessary for the dispatched personnel to settle with the hospital the expenses that should be paid by the dispatched personnel at their own expense and self-paid, and the medical expenses that should be paid by the basic medical insurance pooling fund and large medical mutual aid funds should be reported to the medical insurance center for review and settlement by the hospital. ● When the insured is hospitalized, the settlement of medical expenses within the scope stipulated by the basic medical insurance shall be set, and the deductible line and the maximum payment amount of the basic medical pooling fund shall be set. ● The first hospitalization of the deductible line is 1,311 yuan, and the later hospitalization is 651 yuan, and the maximum payment limit is 51,111 yuan; Mutual assistance for large medical expenses that exceed the maximum payment limit (excluding those below the minimum threshold and the personal burden of the dispatched personnel). 71% of the funds are paid, and 31% of the dispatched personnel are personally responsible. Pay a maximum of one million yuan in a year. The settlement standard of hospitalization expenses shall be calculated by stages and paid cumulatively according to the level of the hospital and the amount of expenses in a settlement period. (When the proportions are adjusted, the new standards shall apply). Note: medical insurance is exempt from liability for non-public traffic accidents! Participate in unemployment insurance and you will enjoy the benefits: unemployment insurance will be paid for more than one year in a row, and the files will be returned to the street. You can enjoy unemployment insurance benefits in the street. 1. Unemployment insurance: refers to the basic living expenses paid by unemployment insurance agencies to eligible unemployed people according to regulations, which is the most important unemployment insurance benefits. Unemployment insurance benefits is implemented according to relevant documents of Beijing Municipality. 2. Medical subsidy during the period of receiving unemployment insurance benefits: refers to the subsidy paid to the unemployed for medical expenses incurred during the period of receiving unemployment insurance benefits. According to the relevant policies and regulations of Beijing. 3. Funeral subsidies for unemployed people who died during the period of receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members shall be implemented in accordance with relevant regulations. What benefits do you enjoy when you participate in work-related injury insurance? If you have an accident during the contract period, you need to ask the enterprise for a description of the situation and affix the official seal of the enterprise. You should apply for work-related injury identification as soon as possible (preferably within three working days) and provide the following materials: 1. Diagnosis of initial treatment or hospitalization medical records; 2. Occupational disease diagnosis certificate (one original and one copy each); 3. For traffic accidents, the accident award of the traffic brigade or the traffic accident certificate of the traffic department shall be provided; 4. Copy of ID card; 5. The original labor contract within the validity period. What benefits do you enjoy when you participate in maternity insurance? You can reimburse maternity-related expenses. The scope of reimbursement includes maternity allowance, maternity medical expenses, medical expenses for family planning operation, and other maternity-related expenses stipulated by the state and this Municipality. Maternity allowance is calculated according to the payment base of the month when the female employee gives birth, divided by 31 and multiplied by the number of days of maternity leave. Maternity allowance is the salary of female employees during maternity leave. If the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise. Maternity medical expenses include medical examination expenses, delivery expenses, operation expenses, hospitalization expenses and medicine expenses incurred by female workers due to pregnancy and childbirth. The medical expenses of family planning operation include the medical expenses incurred by employees due to family planning. Now it is required that medical insurance should be paid for 21 years, and the old-age pension should be "at least paid for 15 years and must be paid for 61 years" to qualify for pension and enjoy medical insurance reimbursement after retirement. If you need to confirm the inquiry, you can inquire about the endowment insurance, medical insurance and maternity insurance at the local social security agency with your ID card and company name, and the unemployment insurance and work injury insurance at the labor bureau. If you want to inquire about the provident fund, you must inquire about the municipal provident fund management center. I have written a little too much. I hope you can understand it and help you.