For office workers, most enterprises will pay five insurances and one gold for individuals, but not everyone knows five insurances and one gold. People often ask, how to inquire about five insurances and one gold? How do we use five insurances and one gold? Only by knowing the details of five insurances and one gold can our interests be truly guaranteed. Then, let me introduce you to the inquiry method of five insurances and one gold, and how to use five insurances and one gold.
First, five insurance and one gold inquiry methods
(1) online query
You can log on to the website of the Human Resources and Social Security Bureau of your city to inquire about five insurances and one gold. You can enter the name of the above-mentioned website in the search engine and click Search to find the entrance of the above-mentioned website. In the online service section, you can find the entrance of five insurances and one gold you want to inquire about.
(2) Telephone enquiry
The unified telephone number of the municipal endowment insurance center is 12333 (plus the telephone area code of the city where you live). At the same time, you can also inquire about the handling of endowment insurance, pension payment (payment), pension transfer and other issues.
(3) Counter consultation
You can also hold my ID card or social security card number directly to the endowment insurance agency of the municipal labor and social security department for inquiry.
(four) the labor and social security department query
Social security inquiries can also be made in the subordinate district-level labor and social security departments in your different regions. You can call the local social security bureau and make an inquiry. Timely supplementary protection.
Second, the use of five insurances and one gold
(1) Housing accumulation fund: In addition to buying a house, you can also pay property fees in the future.
For many people, the housing provident fund is the fastest guarantee to benefit themselves. The housing provident fund paid by units and individuals every month belongs to individuals and can be used when buying a house in the future. For property buyers, first of all, use provident fund loans as much as possible, and use less or no commercial loans; Secondly, withdraw part of the provident fund to repay the loan and reduce the repayment principal base; Finally, the provident fund is transferred monthly to reduce the monthly cash repayment.
(2) Old-age insurance: those who have not paid in full 15 years can be paid in one lump sum.
The pension received after retirement consists of two parts, one part is a certain proportion of the average social wage at that time, and the other part is the personal account funds formed by the individual's previous payment of endowment insurance.
After the implementation of the Social Insurance Law, the conditions for receiving basic old-age insurance benefits were relaxed. Individuals who participate in the basic old-age insurance must pay a total of 15 years when they reach the statutory retirement age before they can receive the basic old-age pension on a monthly basis. If the payment is less than 15 years, one-time payment can be made to 15 years, and basic pension can be received monthly.
(3) Unemployment insurance: Streets applying for unemployment relief will also recommend employment.
To receive unemployment insurance benefits, the following two conditions must be met first: the employer and I have fulfilled the obligation to pay unemployment insurance for 1 year; Do not take the initiative to resign. In addition, the procedures that need to be handled include: within 60 days from the date of resignation, with the vocational guidance and training card, household registration book, ID card, proof and photos of labor (employment) termination contract or working relationship, go to the labor and social security department of the street or town where the household registration is located to apply for unemployment insurance.
(4) Maternity insurance: the allowance is based on the average salary of the unit.
Maternity insurance is a rare "female-only" policy, which is paid by the unit and included in the overall planning. Maternity-related expenses can be reimbursed, including: maternity allowance, maternity medical expenses, family planning surgery medical expenses, and other maternity-related expenses stipulated by the state and this Municipality.
Industrial injury insurance: criticized for 48 hours.
If an accident happens unfortunately during the contract period, you need to find the enterprise to explain the situation and affix the official seal of the enterprise. It is best to apply for work-related injury identification within three working days and provide the following materials.
(6) Medical insurance: Medical insurance for cosmetic surgery and weight loss does not pay the bill.
In terms of medical insurance, 12% paid by the company will also be directly transferred to the overall fund, which has nothing to do with personal accounts. Moreover, not all medical behaviors can be insured, such as cosmetic surgery, weight loss, height increase, myopia correction, and medical expenses incurred abroad.
In addition, medical expenses that should be borne by third parties, such as traffic accidents or gangster injuries, are not covered by the basic medical insurance fund. However, if the third party fails to pay or cannot determine the third party, the basic medical insurance fund will pay in advance and recover from the third party.
I believe that through the above introduction, the majority of friends should already know the inquiry and use of five insurances and one gold. The inquiry methods of five insurances and one gold include online inquiry, telephone inquiry and going to the municipal or district-level labor and social security department for inquiry. Only by recognizing such problems clearly can the five insurances and one gold really play a role and help themselves.