How to pay and use three insurances and one gold？ How to pay and use three insurances and one gold correctly？ What are the characteristics of this payment and use method？

Three insurances and one gold: a comprehensive guide to payment and use

In today’s society, three insurances and one gold are very important for every worker. Three insurances and one fund include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund. So, how should they be paid and used?

First of all, let’s learn about the payment method.

The payment of endowment insurance is usually shared by units and individuals according to a certain proportion. The proportion of unit contributions is generally 16%, and the proportion of individual contributions is 8%. The specific payment base will be determined according to local regulations and personal salary level.

The payment of medical insurance is also divided into two parts: units and individuals. The unit contribution ratio is about 6% to 10%, and the individual contribution ratio is generally 2%.

Unemployment insurance, the unit contribution ratio is usually 0.5% to 1%, and the individual contribution ratio is generally 0.5%.

The proportion of housing provident fund payment is between 5% and 12%, which is also paid by units and individuals.

Let’s take a look at how they are used.

After reaching the statutory retirement age and accumulating payment for a certain number of years, you can receive a monthly pension to provide protection for your later life.

Medical insurance can be used to pay medical expenses such as outpatient service, hospitalization and drug purchase, thus reducing the medical burden.

Unemployment insurance can receive unemployment insurance benefits for a certain period of time when employment is interrupted without my will.

The housing accumulation fund is mainly used for purchasing, building and renovating self-occupied housing, or repaying the principal and interest of housing loans.

Here is a table to compare their payment and use characteristics more clearly:

Types of insurance Payment proportion (unit/individual) Main mode of use endowment insurance 16%/8% Receive a pension after retirement medical insurance 6%-10%/2% Pay medical expenses unemployment insurance 0.5%-1%/0.5% Get insurance money when you are unemployed against your will. housing accumulation fund 5%-12%/5%-12% Housing-related uses

The correct payment and use of three insurances and one gold has many characteristics.

For individuals, it provides a stable guarantee, so that you can rely on it when facing problems such as old-age care, medical care and unemployment. At the same time, the housing provident fund also helps to realize the housing dream.

For enterprises, paying three insurances and one gold according to law is helpful to attract and retain talents and enhance the competitiveness and image of enterprises.

It should be noted that local policies may be different, and the specific payment and use regulations shall be subject to local laws, regulations and policies.

In a word, understanding and correctly handling the payment and use of "three insurances and one fund" is of great significance for personal life planning and security, as well as the stable development of enterprises.

(Editor in charge: difference extension)

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