How to pay five insurances and one gold?

The unit has the obligation to buy labor insurance for its employees, which is no stranger to those who have already taken part in the work. However, due to the differences in the payment of five insurances and one gold in different regions, the payment methods are also different. So I think everyone wants to know about the payment method of five insurances and one gold. Next, I will give you a detailed introduction!

First, how to pay five insurances and one gold?

Five insurance refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund.

What you pay is withheld and remitted, because your work unit also has to bear a certain proportion. Deduct directly from the salary every month, without personal handling.

Pension insurance payment ratio: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account);

The proportion of medical insurance payment: 8% for the unit and 2% for the individual;

Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual;

Work-related injury insurance payment ratio: the unit pays 1% for you every month, and you don't have to pay a penny yourself;

Maternity insurance payment ratio: the unit pays you 1% every month, and you don't have to pay a penny yourself;

Provident fund deposit ratio: according to the actual situation of the enterprise, choose the housing provident fund deposit ratio. But in principle, the maximum shall not exceed 10% of the average wage of employees. Starting from the second half of 20 10, the city has uniformly stipulated that all employers should pay housing provident fund at 12% of their salary. Units and individuals are 65438+ 02% of salary.

Two, the unit to pay five insurance and one gold for the process

1, social security, provident fund account opening

Enterprises need to open accounts for social security and provident fund at the Social Security Bureau and the Provident Fund Center within 30 days from the date of establishment. After opening a social security account, you will get the social security registration certificate, and after opening a provident fund account, you will get the unit provident fund registration number.

2. Increase or decrease personnel

Every month, the company will add new employees to the company's five insurance and one gold account and delete employees who have left the company from the account. Social security and provident fund accounts are two independent accounts, and the operation of increasing or decreasing employees must be carried out in two accounts.

3. Confirm the payment base

The unit needs to declare the correct payment base of five insurances and one gold for employees every month to ensure the normal payment of five insurances and one gold. The payment base of five insurances and one gold is the average salary of employees in the previous year or the salary in the first month of employment.

4. Five insurances and one gold

Enterprises, banks, social security/provident fund management institutions sign bank payment agreements, and directly deduct five insurances and one gold fee from the enterprise bank account at a fixed time every month. Of course, enterprises can also choose cash or check to pay at the site of the five insurance and one gold management institution.

Three, five insurance and one gold query method

1, online online query

You can log on to the website of the Human Resources and Social Security Bureau in 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. You can also directly click on the website: online service section to find the five insurance and one gold query entrance you want to query. The website has the functions of external publicity, open government affairs, consulting service and online service, and it is a bridge for government agencies to contact and serve the masses.

2. Telephone enquiry

Call the endowment insurance center for unified inquiry, and at the same time, you can inquire about the handling of endowment insurance, pension payment (payment), pension transfer and other issues.

3. On-site consultation

Go directly to the Labor and Social Security Bureau.

The above is the content of the payment method of five insurances and one gold introduced for you. It can be seen that the payment of five insurances and one gold is proportional, which is generally borne by units and individuals, among which work injury insurance, maternity insurance and unemployment insurance are all borne by units.