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A summary of what five insurances and one gold refer to, the proportion of payment, and the advantages and disadvantages

Time: 2015-03-13         Source: Fusion 360         Author: well-off

What are the five insurance premiums and what are the benefits? Are they really able to enjoy the benefits of social welfare after paying it? In an instant, another year, many graduate children's shoes have already begun to shuttle around the talent market. At the same time, in order to recruit more talented people among many students, many units have to pay “five risks and one gold” and other allowances. To recruit talent. So the question is, what are the five risks and the gold?

In fact, five insurances and one gold are not mysterious. They mainly include:Old-age insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, housing fund.Since entering the new century, with the constant improvement of the domestic economic and social security system, it has been an ordinary thing for regular organizations to pay five insurances and one gold for employees.

As for the proportion of wages they occupy, the region is different, and the level of economic development is different, there are also certain differences in regulations. However, the more common proportions are: old-age insurance units pay 21%, personal 8%; medical insurance payment ratio: unit 9%, individual 2% + 3 yuan; unemployment insurance payment ratio: unit 2%, individual 1%; The unit is divided into the industry scope to determine its work injury rate, between 0.5% and 2%; maternity insurance: the unit pays 1% per month, they do not have to pay; the ratio of provident fund is in a wider range, but in principle The maximum contribution cannot exceed 10% of the average wage of the employee.

  After paying five insurances and one gold, is it really "one and all"? Not! Related personnel analysis thinks:

First of all, the pension insurance may not be enough to support the elderly! Old-age insurance means that when we reach the statutory age, we can receive a pension at a place designated by the social insurance department to protect our basic needs after retirement. The retirement pension received after retirement consists of two parts, one is a certain proportion of the average wage of the society at that time, and the other is the personal account funds that the individual had previously paid for the pension insurance.

Although we can receive a sum of money each month after retirement, in fact, this money can only protect our basic life. This is why it is called basic pension insurance. If there is no other guarantee after retirement, your standard of living may have to be significantly lower than before retirement. At the same time, the payment of old-age insurance may also face the risk of currency devaluation, and if prices soar, meager pensions are often insufficient to ensure that the lives of the elderly are very secure.

Second, medical insurance does not control all diseases! Not all medical practices can be covered by insurance, such as cosmetic surgery, weight loss, heightening, myopia correction, various infertility (pregnancy), sexual dysfunction, mental illness, medical expenses incurred abroad and abroad. Moreover, traffic accidents, or injuries by criminals, are not covered by the health insurance system. Only when the public security agency proves that the injurer can indeed be found, can it be temporarily written off by the medical insurance company.

In addition, medical insurance also has territoriality, if it is used in different places is also very troublesome, sudden illness in domestic non-residential areas, emergency treatment can be the nearest hospitalization, but must be within 3 working days, the hospitalization date, hospital name and other information If the medical insurance agency of the participating places is required for the record and needs to continue treatment after the condition is stable, it shall be promptly transferred to a designated medical institution for medical treatment. In addition, there are different payoff lines depending on the area and level of the hospital, and there are different ceiling lines and different claims for reimbursement for the different payment times, instead of all the uniform reimbursement ratios. The medical insurance payment is interrupted consecutively three times. More than one month expires and you need to re-apply.

Moreover, taking out unemployment insurance money is less complicated. To claim unemployment insurance, you must first meet the conditions under which your employer and the employee have fulfilled your unemployment insurance payment obligations for one year and have not voluntarily resigned. Then, within 60 days from the date of resignation, a vocational guidance training card, residence booklet, ID card, labor contract (employment) contract, or proof of work relationship and photos should be registered in the street and town labor and social security offices for unemployment registration. Unemployment insurance procedures.

If your account is not at your place of work, you may have to spend a lot of money to go back to your hometown. If your hometown economy is less lagged, you may have less amount of unemployment insurance, and there is still time limit: accumulative payment of 1 to 5 years before unemployment , Earn up to 12 months; 5 years to 10 years, up to 18 months; cumulative payment time for more than 10 years, up to 24 months.

Fourth, work-related injury insurance, 48-hour life and death line! The first problem in obtaining work injury insurance is the issue of work injury identification. According to the “Regulations on Work Injury Insurance”, only laborers who have been identified as work-related injuries according to law for work-related injuries can enjoy work-related injury benefits and work injury compensation, and laborers apply for work-related injuries. There are also time-limit requirements: within one year from the date of the accident or on the date of diagnosis and identification of an occupational disease. In addition, there is a provision for work-related injury insurance, which is that if a worker dies within 48 hours of the onset of a job, he or she may be considered as an employee, but if he exceeds 48 hours, he or she will not be considered an employee.

Second, if companies are unwilling to pay compensation, they may have to go through lengthy lawsuits, such as arbitration, administrative reconsideration, administrative litigation, and civil lawsuits. It may take two to three years or even longer for workers to claim compensation in the end.

As for maternity insurance, no unit will not enjoy its welfare protection! According to the relevant regulations of our country, maternity insurance is borne by the unit without paying by itself, but it also means that if there is no work unit, it will be difficult to enjoy maternity insurance, such as a full-time wife. Moreover, maternity insurance must be paid at least for more than one year before you can enjoy it. After you give birth, you must continue to pay for it. Otherwise, you will not be able to enjoy the benefits of family planning in the later period.

In the end, the most common provident fund withholding money is not worthwhile for long-term use! The housing provident fund is for the purpose of buying a house and decoration in the future. However, for those who do not buy a house, or who are not prepared to buy a house in the short term, the existence of a provident fund on the account is not worthwhile. For the part of the provident fund that was paid in the current year, only the interest rate for current deposits can be obtained. In contrast, funds deposited in previous years can only receive a fixed deposit interest rate of three months. In the case of increasing inflation, it is obviously not as good as investing for itself. It is even worse than the one-year deposit of banks.




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