What Does "Five Risks And One Gold" Mean? What Are The Specific Ones?

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Among them, endowment insurance, medical insurance and unemployment insurance, these three kinds of risks are premiums jointly paid by enterprises and individuals, and industrial injury insurance and maternity insurance are entirely undertaken by enterprises.

Individuals do not have to pay.

What we should pay attention to here is that "five risks" are legal and "one gold" is not legal.

In order to enable you to fully understand the relevant content, we provide the following information:

At present, the proportion of Beijing endowment insurance payment is 20% (17% of which is allocated to the CO ordinating fund, 3% is allocated to personal accounts), 8% of all individuals (all in personal accounts), and the proportion of medical insurance contributions: 10% units, personal 2%+3 yuan.

The proportion of unemployment insurance contributions: unit 1.5%, personal 0.5%; work-related injury insurance according to the industry scope of the unit to determine its work-related injury rate; birth insurance premium ratio: 0.8% units, individuals do not pay.

Provident fund contribution ratio: according to the actual situation of enterprises, choose the proportion of housing provident fund payment.

But in principle, the maximum payment should not exceed 10% of the average wage of Beijing workers. 300%.

The co-ordination fund is: in the process of pforming the state pension system from the state unit system to the state social system, it is necessary for the whole country to co-ordinate its efforts to solve the problems of unbalanced economic development and the aging of the population.

(1) setting up a social pooling fund based on enterprise payment;

(2) personal accounts are mainly established by employees and enterprises.

(3) the government is responsible for the management cost of the endowment insurance fund.

This semi fund system combining social pooling and personal accounts is beneficial to cope with the aging crisis of China's population, gradually changing the cost of pition from the old system to the new system, and gradually realizing the pformation from the enterprise pension insurance system to the personal pension insurance system.

The payment amount of four risks and one gold is different in every district. The base is based on the total wage.

Some enterprises have basic salaries and some related subsidies when they are paid, but some enterprises only pay the basic wages when they pay, which is against the law.

The specific proportion should be consulted by the local labor department.

The withdrawal of old-age insurance, unemployment insurance and medical insurance is only permitted under the statutory permission. It is issued by the establishment registration department, such as "endowment insurance, to reach a legal age. The unemployment insurance payment must also have the conditions. For example, when you go to the street office of the place where you are registered, you have to apply for a certificate of unemployment. At the same time, you have to apply for a job card."

If you don't want to work after you lose your job, you can't give you an insurance payment.

In addition, pension and unemployment benefits can not be enjoyed at the same time.

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Is insurance covered during the probation period?

Insurance should also be granted during probation period, because probation period is an integral part of the contract period, and it is not isolated from the contract period.

Therefore, insurance should also be applied during probation period.

In addition, it is a statutory obligation for an enterprise to provide insurance to its employees. It does not depend on the meaning or voluntariness of the parties, even if employees do not need to pay insurance, and commercial insurance can not replace social insurance.

The enjoyment of pension insurance.

Accumulative pension insurance for more than 15 years, and the statutory retirement age, can enjoy pension benefits:

1, collect the basic pension according to the regulations until the death.

The formula for basic old-age pension is as follows:

Basic pension = basic pension + personal account pension + pitional pension = the average monthly wage of workers in the city before the year before retirement is 20% x (the payment age is less than 15 years by 15%) + personal account principal and interest and 120+ index monthly average wage wage * 1997 years before the end of 1997.

2, death treatment.

(1) funeral expenses (2) one-off pensions

(3) the subsidy for living difficulties for the immediate family members who are in line with the maintenance conditions will be distributed monthly until the death of their immediate relatives.

Note: endowment insurance should be paid as long as possible. According to the relevant documents, where the enterprise or the insured person has paid off the basic old-age insurance fee (except for the unemployed persons who receive unemployment insurance money or do not pay according to the relevant provisions), the insured is in line with the state's pension requirements. When calculating the basic pension, the calculation basis of the basic pension shall be pushed to the average wage of the city's workers in the corresponding year on the basis of the accumulated discontinued time of payment year by year (the accumulated discontinuous payment time is calculated according to the annual calculation of the discounted payment for every 12 months, and not calculated in 12 months).

For example,

If you retire in 2020, your basic pension is normally the social average wage of 20% in 2019, but if you retire for 30 months before you retire, it will be 2.5 years. According to 2 years, your basic pension is the average wage of 2017 * 20%.

1, door and emergency medical expenses.

The total amount of medical expenses that is in line with the scope of basic medical insurance stipulated in the -12 (31 months January 1st) is more than 2000 yuan.

2, the proportion of settlement.

During the contract period, the number of dispatched personnel above 2000 yuan is reimbursed by 50%, and the individual pays 50%. In a year, the maximum amount of reimbursement paid by the dispatched personnel in a year is 20 thousand yuan.

3, the insured personnel should properly keep out the outpatient medical documents that are good at designated hospitals, including receipts and prescription prescriptions below the large part of the accounts, as medical expense reimbursement vouchers.

4, three kinds of special diseases out-patient medical treatment: insured patients suffering from malignant tumor radiotherapy and chemotherapy, renal dialysis, and anti rejection drugs after kidney pplantation need to be treated in outpatient clinic. The two or three level hospitals designated by the insured shall be based on the "disease diagnosis certificate" and fill in the "Beijing medical insurance special diseases declaration form", which is reported to the district medical insurance center for examination and approval.

The outpatient service and medication of these three special diseases are restricted to designated hospitals that are approved for treatment, and can not be purchased at designated retail drugstores.

The occurrence of medical expenses accords with the prescribed range of out-patient special diseases and is settled according to hospitalization.

5. Hospitalization