A Detailed Explanation Of The Secret Of "Five Risks And One Gold"

　　 1. endowment insurance After retirement, your consumption level may have to drop sharply.

At present, the endowment insurance system in our country takes the basic old-age insurance for urban workers as the core. People who work are deducted from their wages every month. When they reach the statutory retirement age (male 60 and female 50), they can get a pension from the social security system.

If you graduate from college at the age of 22, you will work in Beijing, the highest index of China's pension development index, with a monthly average income of 8000 yuan (4672 yuan per month in Beijing in 2011). The unit will pay 8000 yuan in salary. At a fixed rate of 5%, your monthly salary is 48 thousand and 600 yuan when you retire (60 years old). In accordance with current standards, the pension you receive after retirement is 8624 yuan. This is equivalent to only 18% of pre retirement wages, and lower than the national average basic consumption expenditure.

　　 2. Medical insurance Not all diseases can be insured.

Cosmetic surgery, weight loss, high myopia correction, infertility, sexual dysfunction, mental illness, these medical expenses, medical insurance is irrelevant.

In addition, if unfortunate traffic accidents or injuries by gangsters, these are not within the scope of medical insurance. Only when the public security organs prove that no victims can be found, can they be temporarily written off by medical insurance.

There are many restrictions on the use of medical insurance in different places. In case of sudden disease in the domestic non residential area, the first aid can be hospitalized first, but it must be reported to the medical insurance agency of the insured place within 3 working days. If the patient needs to continue treatment after the condition is stable, it should be transferred to a designated medical institution in time for medical treatment.

　　 3. unemployment insurance Is it worth the cost?

To receive unemployment benefits, we must first satisfy the following two conditions:

1) the unit and I have fulfilled the unemployment insurance contribution obligation in accordance with the regulations for 1 years.

2) resigning without resignation

Then there is a lot of formalities to be done: within 60 days from the date of departure, the vocational guidance training card, residence booklet, identity card, employment contract or the proof of working relationship should be held and registered to the labor and Social Security Department of the household registration office.

Attention is the location of Hukou, that is to say, if your account is in Gansu, and people work in Shanghai, they will have to go back to their homes in a long way. In accordance with the current standards, unemployment insurance premiums for most cities in a month range from several hundred yuan to less than 1000 yuan, and the less economically backward areas are, the less they can get. There is not much money, and the time it takes is not long: before the unemployment period, the total payment is 1 to 5 years, and the maximum is 12 months; the 5 to 10 years, the most 18 months, and the accumulative payment time is 10 years or more, with a maximum of 24 months.

　　 4, industrial injury insurance: 48 hours life and death line

In June 19th, there appeared a web post titled "migrant workers who died 1 hours later." Chen Guo, a 17 year old migrant worker from Loudi, Hunan, died of severe heat stroke while working in Shijie Town, Dongguan. Because Chen Guo died forty-ninth hours after the onset, his family members still could not receive compensation after 20 days.

They were told that the fifteenth article of the industrial injury insurance Ordinance of China stipulates that the death of a sudden illness or death within 48 hours during working hours and jobs is regarded as a work-related injury. Chen Guo died forty-ninth hours after the onset of the disease, not a work-related injury.

In fact, disputes and lawsuits concerning industrial injury identification have been continuously. It's not just 48 hours of life and death. It's not easy to identify work-related injuries.

　　 5, maternity insurance: there must be a unit.

Giving birth is a very private thing, but without a working unit, it is difficult to enjoy maternity insurance. Because childbirth insurance must be paid by the unit. That is to say, a full-time wife can not have fertility risk.

Childbirth insurance should be paid at least one year or more. After childbirth, we must continue to pay. If we don't pay, we can't enjoy the benefits of family planning.

　　 6, housing provident fund: long term need not be worthwhile.

Many people know that the better the monthly housing provident fund is, the better it can be bought and decorated in the future. But for those who do not buy a house, or are not prepared to buy a house in the short term, the provident fund is so worthwhile to exist on account.

Because in the provident fund, the portion paid in that year can only earn interest rate on demand deposits, and the funds paid in the past year can only get three months' time deposit interest rate. In the case of inflation intensification, it is obviously not as good as investment for ourselves, not as good as the bank's one-year deposit.