What's the use of paying five insurances and one gold?

1. What's the use of paying five insurances and one gold? 1. Old-age insurance has work to pay, and it has to be paid if there is no job. Let the state support you after retirement. Some friends ask, "I am a freelancer now. Is it necessary to pay endowment insurance?" Xiaojin suggested that it is best to go to the local social security center to pay social security. After all, this is a kind of social insurance, and its cost is much lower than the commercial endowment insurance in the market. Moreover, if you have paid in the employer for several years before, you will suddenly stop paying, and you will not be able to enjoy the basic old-age security of the country at retirement age. Endowment insurance is generally paid 15 years, and you can enjoy the basic pension for life when you retire. Therefore, people who want to get a pension must pay 15 years before retirement. If the contribution of the old-age insurance is less than 15 when you retire, the state will return the 8% pension accumulated in your account every month to you. And the 20% money that the company gave you can't be taken out. 2. In addition to reimbursing medical expenses, medical insurance can also withdraw cash from the account. As the name implies, medical insurance is used to reimburse hospitalization or medicine expenses. However, in some areas, such as Beijing, the money (2%+3 yuan) paid from one's own account can be used not only to buy medicine and see a doctor, but also to be withdrawn at will from designated banks. 3. Work-related injury insurance Can an accident on the way to work be reimbursed? Maybe you don't know how to use it yet. Not only do you have an accident at work, but this insurance can also come in handy if you have an accident on your way to and from work. But if you want to make good use of this risk, you must produce evidence, evidence! Evidence! However, many people had accidents and did not keep relevant evidence, which made them unable to enjoy work-related injury insurance. thank you I'll give you a hint: I was hit by a car on my way to work. Don't settle it. Call the police quickly, let the police take photos to collect evidence, and issue an accident appraisal certificate after handling it. You can ask the company to reimburse the industrial injury insurance with the certificate issued by the police uncle. In addition, there is a limitation of industrial injury insurance. Work-related injuries occurred on August 20 15 and 17, so don't waste it and tell the employer immediately. If you haven't reported it after 1 month, I'm afraid you can't report it even if the evidence is complete. 4. Maternity insurance can be given not only to girls, but also to boys. In fact, maternity insurance can be given not only to girls, but also to boys. Let's talk about how girls use maternity insurance: if they are pregnant and give birth to a child at work, they should submit relevant documents to the company as soon as possible after discharge, such as marriage certificate (unmarried children can't be reimbursed)+birth certificate (two children who are not the same person can't be reimbursed)+relevant medical records+all invoices for hospitalization and operation expenses. Usually the company will reimburse you within the scope of medical insurance regulations. Let's talk about boys. Don't always think it's not worthwhile for an old man to pay maternity insurance every month. To be honest, if your wife doesn't have a job or the company doesn't pay maternity insurance, and you paid maternity insurance for 9 months before she gave birth, then you can also reimburse the maternity expenses. Tip: As for maternity insurance and maternity allowance, local policies are different. Please consult the labor and social security department for details. 5. Unemployment insurance resigns voluntarily, and there is no unemployment benefit. Even if you don't want this unemployment benefit, don't take resignation as a joke. If you want to receive unemployment insurance, you must meet three conditions at the same time. First, your company and I pay fees continuously 1 year; Second, they have registered for unemployment and have job requirements; Third, employment was not interrupted because of my will. The first two points are easy to understand. How to judge the final "unintentional interruption of employment"? For example, if the company dismisses you voluntarily, or if the contract expires, neither you nor the company wants to renew it. Only in these two cases can you receive unemployment insurance. If you resign voluntarily, even if you pay 1 year, you won't get unemployment benefits. 6. Housing provident fund In addition to buying a house, you can also withdraw the monthly housing provident fund for renting and decoration. Individuals pay 12% of the basic salary, and the unit will make it up to you 12%. For example, if you pay 600 yuan a month, your company will make up 600 yuan for you, which means that you have 1200 yuan in your provident fund account this month. This money can be used to buy a house to repay the loan, or you can submit a rental certificate and withdraw the room fee regularly. If there is land to build a house, the money for building a house can also be drawn from the provident fund. However, there are still some ways to use the provident fund, such as retired workers, people who want to settle overseas, people who are deemed to have completely lost or mostly lost their ability to work, people who buy their own houses, overhaul and decorate their houses, people who repay the principal and interest of housing loans, people who receive unemployment insurance benefits, people who are included in the minimum living allowance or extremely poor, and people whose family members suffer from serious diseases. 2. Matters needing attention in paying five insurances and one gold 1. Old-age insurance has been paid in many places, but none of them has been paid for more than ten years, so you have to go back to your domicile: according to the current regulations, the old-age insurance should be returned where the payment exceeds 10 years at the longest. If you pay in several places, and none of them has paid for more than 10 years, you should go back to the place where you registered. This also means that if you pay 9 years 1 1 month based on 5,000 yuan in big cities such as Beijing, Guangzhou and Shenzhen, the pension insurance will be returned to the place where the average salary in the previous year was only 2,000, which is not more worry-free. 2. If the accumulated contribution of old-age insurance is less than 15 years, you can't get lifelong old-age insurance, and your personal contribution will be refunded: generally, you have to pay before retirement 15 years, so people who want to receive old-age pension must start paying before retirement. If you pay less than 15 of the old-age insurance at retirement age, the state will refund all the 8%-9% pension saved in your personal account when you retire. 20% paid by the company will all be transferred to the national pension fund, which has nothing to do with you. 3. In order to save money, the company does not pay five insurances and one gold according to the actual salary: some units do not pay five insurances and one gold according to the actual salary, but only pay according to the minimum deposit base. For example, the actual salary of employees is 5,000 yuan, of which 3,000 yuan is privately transferred to personal accounts in various forms such as reimbursement and subsidies, and only 2,000 yuan is paid as the base. Here is a reminder: when choosing a company, be sure to ask about the payment base. At present, the state has no exact legal definition and sanction basis for such cases. 4. Enterprises don't pay five insurances and one gold on the grounds of registered permanent residence and files: Now some companies don't give employees old-age insurance on the grounds that files are not in the company or registered permanent residence is not in the local area. These reasons are bullshit. You only need an ID card to get five insurances and one gold, which has nothing to do with your account and file. I would like to remind you that if you encounter such incidents, you can defend your rights through legal means. At the same time, it is illegal for enterprises to force employees to transfer their file relationship to the company on the grounds of five insurances and one gold. 5. Medical insurance must be paid for 25 years before you can enjoy lifelong medical insurance after retirement: if you don't pay for 25 years, only the 2% balance paid by those individuals will be turned over to the state when you retire, and the 10% paid by the company will be turned over to the state. In addition, if it is interrupted for more than 3 months, the medical insurance will be invalid. When the payment is interrupted, you must contact the new company to make up the payment. To sum up, what's the use of paying five insurances and one gold? It should be noted that when the old-age insurance has been paid for 15 years, you can enjoy the basic pension for life when you retire. With medical insurance, in addition to reimbursement of medical expenses, you can also take money out of your account. As for the housing provident fund, it should be noted that in addition to buying a house, renting a house can also be withdrawn.