Before reading this article, we sincerely invite you to click "Follow", so that you can consult a series of high-quality articles at any time, and at the same time facilitate discussion and sharing, thank you for your support~
If the salary of 9,000 yuan per month is only more than 7,000, the rest is handed over to five insurances and one housing fund? Five insurances and one housing fund, how is it deducted? Can I not pay five insurances and one housing fund, or pay less? No!
What are five insurances and one housing fund? Why pay?
China has a sound social security system, and "five insurances and one housing fund" is one of the important components of the social security system. "Five insurances and one housing fund" is a general term for old-age, medical, maternity, unemployment and work-related injury insurance and provident fund. It provides employees with certain social protection, ensuring that they can receive certain financial support in the event of an accident, illness, unemployment or entering retirement age. However, recently, some netizens have expressed that they do not want to pay "five insurances and one housing fund", so what are the consequences of not paying "five insurances and one housing fund"?
First, if we really do not pay the "five insurances and one housing fund", then we have to pay out of pocket when we visit the hospital. Needless to say, medical expenses can be burdensome, especially in the event of a major illness or accident. Without health insurance or insufficient medical insurance to cover the full cost, patients will have to pay high costs for treatment, placing a huge financial burden on themselves and their families.
Secondly, there is no work-related injury benefit in the event of an accidental injury during work. Workers' compensation insurance is designed to protect employees from accidental injuries sustained during work. If the work-related injury insurance is not paid, the employee will not be able to receive work-related injury compensation and related medical expense reimbursement for the injury at work, which will cause great financial burden and distress to the injured employee and his family.
Then, in terms of childbirth, there is no maternity allowance. Maternity insurance is to protect the basic rights and interests of female employees during childbirth, including hospitalization expenses, nursing expenses, maternity allowances, etc. If maternity insurance is not paid, female employees will not be able to enjoy the corresponding protection and treatment during childbirth, which will not only bring a burden to the family, but also may affect the health and growth of the child.
In addition, not paying the "five insurances and one housing fund" will also affect the economic development of individuals. As a savings tool, provident funds can provide individuals with certain financial support for future house purchases or payment for education. Without the provident fund, it will become more difficult to buy a house, not only need to bear more loan interest yourself, but also may not be able to enjoy the low-interest loan policy provided by the state, which will bring certain troubles to your own economic development.
The most important thing is that if the enterprise does not pay "five insurances and one housing fund" to employees in accordance with the regulations, it is illegal. According to relevant laws and regulations, companies must pay social insurance and provident fund for employees to ensure that employees can enjoy corresponding social security and welfare benefits. If the company does not pay on time, the rights and interests of the "five insurances and one housing fund" cannot be guaranteed. In this case, the employee can report to the administrative department, and the administrative department will immediately receive the report information and make corresponding administrative penalties according to the situation, and order the company to make a supplementary payment. Once the supplementary payment is completed, employees can still enjoy the rights and interests obtained by paying "five insurances and one housing fund" according to the regulations.
How to pay five insurances and one housing fund? A picture for you to understand
In general, failure to pay the "five insurances and one housing fund" will bring huge financial burdens and risks to individuals and families, and it is also an illegal act. Therefore, as employees, we should understand our own rights and interests, resolutely strive for and safeguard our legitimate rights and interests, and avoid burying hidden dangers in our future because of greedy for small profits. At the same time, relevant departments should also strengthen the supervision of the company's payment of "five insurances and one housing fund" to ensure that the rights and interests of employees are fully protected. Only in this way can our social security system be better and provide stronger security for everyone's future.