As a matter of fact, I wanted to write this article when I first joined the WTO, but it was not time-consuming (I was not very clear about the details at the time), so it was postponed until now. I have talked with my friends many times about this issue and have been vague about the "Five risks and one gold" content. So today, I have found some relevant information and shared some of my colleagues who have just joined the WTO.
What is "Five insurances and one gold "? Pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and "one gold"-housing accumulation fund. The three insurances of endowment insurance, medical insurance, and unemployment insurance are jointly undertaken by enterprises and individuals; the industrial injury insurance and maternity insurance are completely borne by enterprises; the housing provident fund is determined by the enterprise and is not legal.
The following are the payment rate issues that you are concerned about. In fact, there are differences between different cities, and the local average wage income is one of the standards. Take the city of Beijing as an example: the proportion of pension insurance payment: the unit is 20% (17% of which are included in the overall planning fund, 3% are included in the personal account), and the individual is 8% (all included in the personal account); the proportion of medical insurance payment: the Unit is 10%, and the individual is 2% + 3 RMB; Unemployment insurance payment ratio: the unit is 1.5%, and the individual is 0.5% RMB; Industrial Injury Insurance is determined based on the industry scope of the Unit; maternity insurance payment ratio: unit. 8%. Individuals do not pay. Provident Fund payment ratio: select the housing provident fund payment ratio based on the actual situation of the enterprise. The unit is 8%, and the individual is 8%. The amount of the four insurances and one gold is different in each region. The base is based on the total wage. Some enterprises have basic wages and subsidies when paying, but some enterprises only pay basic wages, which is in violation of laws and regulations. Consult the local labor department for the specific proportion.
The withdrawal of endowment insurance, unemployment insurance, and medical insurance is only available as permitted by law. It is issued by the insurance registration department, for example, "endowment insurance, you must be able to obtain unemployment insurance only when you reach the legal age. For example, you must go to the sub-district office where your account is located to apply for proof of unemployment, and have obtained a job permit, this means that you must have the willingness to apply for a job after you lose your job.
Are you entitled to insurance during the trial period? You should also enjoy insurance during the trial period, because the trial period is an integral part of the contract period, and it is not isolated from the contract period. Therefore, we should also apply for insurance during the trial period. In addition, it is a legal obligation for an enterprise to provide insurance to its employees. It does not depend on the meaning or willingness of the parties. Even if the employee says that insurance is not required, commercial insurance cannot replace social insurance. The benefits of pension insurance. If you have paid the endowment insurance for more than 15 years and have reached the statutory retirement age, you can enjoy the pension insurance.
1. Collect basic pensions on a monthly basis as prescribed until they die.
The basic pension calculation formula is as follows:
Basic Pension = Basic Pension + individual account pension + transitional Pension = average monthly salary of employees in the city of the year prior to retirement x 20% (15% of the total payment duration less than 15 years) + personal account principal and interest amount: 120 + indexbased monthly average payment salary × payment period before the end of 1997 × 1. 4%.
2. Treatment of death. (1) Funeral Expenses (2) One-time custody fees (3) subsidies for living difficulties of immediate relatives that meet the conditions for support are issued on a monthly basis until the immediate relatives die.
Note: pension insurance should be paid continuously as far as possible. According to relevant documents, if an enterprise or the insured continuously pays the basic endowment insurance fee (except for those who are unemployed during the period of receiving the unemployment insurance fee or do not pay according to the relevant provisions), the insured shall meet the requirements stipulated by the state for pension, when the basic pension fund is calculated, the base of the basic pension is calculated and pushed to the average salary of the local employees in the previous year of the corresponding year based on the accumulative interrupted payment time, the billing cycle is calculated based on the 12-month period. If the payment period is less than 12 months, the billing cycle is calculated ).
For example:
If you retire in 2020, your basic pension is the average social wage of 2019 × 20%, but if your pension is interrupted for 30 months before retirement, it will be interrupted for 2.5 years, based on two years, your basic pension is the average social wage in 2017 × 20%
What are the benefits of participating in medical insurance? 1. outpatient and emergency medical expenses. The total amount of medical expenses that meet the scope of basic medical insurance within the year of employment (from January 1, January 1-12 to the 31st) exceeds 2000 RMB; 2. Settlement ratio. During the contract period, a total of more than 2000 yuan of dispatched personnel will be reimbursed for 50% of the total amount, and an individual will pay 50% of the total amount of reimbursement for dispatched personnel and emergency department will be paid within one year. The maximum amount is 20 thousand yuan. 3. The insured personnel should properly keep the outpatient medical documents (including the receipt of the following large amounts and the prescription base, etc.) for visiting the Designated Hospital as the medical expense reimbursement credential; 4. outpatient medical treatment for three special diseases: The insured person suffers from Malignant Tumor Radiotherapy and chemical treatment, renal dialysis, and kidney transplantation before taking the anti-rejection medicine should be in the outpatient medical treatment, the second and third-level designated hospitals for medical treatment of the insured person shall issue a "disease diagnosis Certificate", fill in the "Beijing Medical Insurance special disease Application Form", and report to the District Medical insurance center for examination and approval. These three types of special diseases can only be used in the designated hospitals for medical treatment and medical treatment. They cannot be purchased at the designated retail drug store. If the medical expenses meet the prescribed scope of outpatient special illness, the settlement is based on hospitalization. 5. inpatient care ● hospitalization deposit: for insured persons who meet the hospitalization conditions, the hospital will receive a partial deposit for the insured persons when the income is hospitalized. The deposit amount shall be determined by the hospital according to the proportion of the patient's condition. If the dispatched personnel unit and the insured personnel fail to pay the medical insurance premiums in full and on time, the hospital deposit shall be paid in full by the dispatched personnel individual. ● Settlement cycle: Each 90 days of hospitalization is a settlement cycle for the insured. If the period does not exceed 90 days, each hospitalization is a settlement cycle. ● The medical fees incurred by outpatients with malignant tumors (such as radiotherapy and chemical therapy, dialysis of the kidney, anti-rejection drugs after kidney transplantation, and patients with mental illness who need to be hospitalized all the year round) are settled every 360 days. ● The medical expenses incurred by the insured in the treatment of family beds in the designated Community Health Service Center (Station) are settled every 90 days. ● When an insured person is discharged from hospital or the phase of treatment ends, the dispatched person and the hospital should first settle the expenses at their own expense and self-paid by the dispatched person, the medical expenses that should be paid by the Basic Medical Insurance Co-ordination fund and large amount of mutual medical assistance funds should be reported by the hospital to the medical insurance center for review and settlement. ● Insured persons shall be hospitalized, settle medical expenses in accordance with the provisions of basic medical insurance, and set the starting payment line and maximum payment amount for the basic medical co-ordination fund. ● The first hospitalization for the starting payment line is RMB 1300, And the next hospitalization is RMB 650. the maximum payment limit is RMB 50 thousand; if the maximum payment limit is exceeded (excluding the lower payment standard and the personal burden of dispatched personnel), large amounts of medical expenses are paid for mutual assistance. The Fund is paid at 70%, and the personal burden of the dispatched personnel is 30%. You can pay up to 0.1 million yuan in a year. The settlement standard of hospitalization expenses should be calculated and paid by hospital level and fee amount in a settlement period in a segmented manner. (When the proportion is adjusted, it should be implemented according to the new standards.) Note: medical insurance is exempt from liability for non-public traffic accidents!
Will unemployment insurance be eligible? If unemployment insurance is paid for more than one year in a row, the archive will be returned to the street. You can enjoy unemployment insurance in the streets. 1. Unemployment insurance: it refers to the basic living expenses paid by the Unemployment Insurance Agency to eligible unemployed persons according to regulations. It is the most important unemployment insurance treatment. Unemployment insurance benefits are implemented in accordance with relevant documents of Beijing. 2. medical subsidy during unemployment insurance: it refers to the subsidy for medical expenses incurred during unemployment insurance. Implemented in accordance with relevant policies and regulations of Beijing. 3. The funeral allowance and the pension of the spouse and immediate relatives provided by the unemployed person who died during the unemployment insurance period shall be implemented in accordance with relevant provisions.
What are the benefits of participating in the work injury insurance? If an accident occurs during the contract period, you need to request information from the Enterprise and affix the company seal to apply for a work injury identification as soon as possible (preferably within three working days) and provide the following materials. 1. Initial Treatment diagnosis or hospitalization medical records. 2. Diagnostic certificates for occupational diseases (one original copy and one copy each ). 3. For a traffic accident, you must provide the accident Award of the Traffic Brigade or the proof of the traffic accident of the traffic department. 4. Copy of ID card. 5. Original labor contract within the validity period.
What are the benefits of maternity insurance? Maternity-related expenses can be reimbursed. Reimbursement covers maternity allowances, maternity medical fees, family planning medical fees, other maternity-related fees stipulated by the state and municipality. The maternity allowance is calculated based on the payment base for the current month of the female employee's birth divided by 30 and multiplied by the number of maternity leave days. The maternity allowance is the salary of a female employee during maternity leave. If the maternity allowance falls below my salary standard, the difference is partly supplemented by the enterprise. Reproductive medical fees include medical examination fees, health care fees, surgical fees, hospitalization fees, and medical fees for female employees due to pregnancy and childbirth. The costs of family planning surgery include the costs of medical care for employees due to family planning. It is now required that medical insurance should be paid for 20 years, and the pension should be paid for 15 years to be eligible for the adoption of pension and Post-retirement medical insurance reimbursement. Finally, I would like to thank dingmin for providing relevant reference (complete)
