社保常识（Common sense of social security）.doc

社保常识（Common sense of social security） Risk is the most basic social insurance; includes old-age insurance, medical insurance, unemployment insurance The three insurance belongs to the social insurance, it is often said that the five social insurance and one housing fund, the specific risk that is five: endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; a payment that is: housing provident fund. The provisions of the state social security policy is to pay insurance, any employer should cover their employees. As long as you sign a labor contract with your organization, it should be insured for you. But this is not entirely by your insurance unit to pay, but by you and I jointly pay the unit. In accordance with the wages of workers, the unit and individual commitment ratio is generally: old-age insurance units to bear 20%, individuals bear 8%; medical insurance units bear 6%; individuals 2%; unemployment insurance units to bear 2%, individuals 1%. Pension insurance is mainly for pensioners after retirement, in case old life is bleak. Medical insurance is mainly when you are ill in hospital, the unit can reimburse about 50% of the cost, is also very important. Industrial injury insurance is more clear. There are five social insurance and one housing fund, how to provide insurance About five social insurance and one housing fund: Among them, the pension, medical insurance and unemployment insurance, these three risks are paid by the enterprise and individual premiums, industrial injury insurance and maternity insurance is entirely borne by the enterprise. Individuals are not required to pay. It should be noted here that Five is legal, Kim is not legal. What is the proportion of pay five social insurance and one housing fund? At present, Beijing pension insurance payment rate: 20% units (of which 17% included 3% funds, delimit individual account), 8% individuals (all delimit individual account); medical i