救命！2025年了才搞懂五险一金是什么

2025-07-26 07:03:22 来源：农业人才网点击：次作者：农业人才网

救命！2025年了才搞懂五险一金是什么

五险一金是中国法律规定的、用人单位必须为在职员工缴纳的福利保障组合，旨在为劳动者提供基本的社会保障和住房支持。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n下面介绍一下五险一金的作用以及缴费方式。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n1. 养老保险https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n作用：保障退休后的基本生活。退休后（达到法定年龄且缴费满15年）可按月领取养老金。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n缴费：单位和个人共同缴纳（单位比例高，个人比例低）。遵循“多缴多得，长缴多得”原则。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n2. 医疗保险https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n作用：报销看病买药的费用，减轻医疗负担。涵盖符合规定的门诊和住院费用。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n缴费：单位和个人共同缴纳（单位比例高，个人比例低）。个人账户的钱可用于小额医疗支出。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n注意：有报销范围、起付线和封顶线等限制。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n3. 失业保险https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n作用：在非自愿失业（如被裁员）且符合条件时，提供短期的基本生活费和医疗保障。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n缴费：单位和个人共同缴纳（比例较低）。领取时长与缴费年限挂钩。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n关键：必须是非本人意愿中断就业、已登记失业并有求职意愿。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n4. 工伤保险https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n作用：保障因工作原因受伤或患职业病时，获得医疗救治、经济补偿（伤残津贴、补助金等）及康复支持。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n缴费：仅由单位缴纳，个人不缴费。行业风险越高，单位缴费比例越高。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n核心：需进行“工伤认定”。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n5. 生育保险https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n作用：保障女职工生育期间（怀孕、分娩）的医疗费用报销，并提供生育津贴（产假工资补贴）。部分地区惠及男职工配偶。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n缴费：通常仅由单位缴纳，个人不缴费（部分地方合并入医保）。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n待遇：生育医疗费报销 + 生育津贴。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n6. 住房公积金https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n作用：专项用于解决住房问题。可用于贷款买房（利率较低）、支付房租、偿还房贷、房屋大修等，满足条件也可提取。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n缴费：单位和个人共同缴纳（比例相同，通常5%-12%）。全部存入员工个人账户，属于个人财产。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n好处：强制储蓄，单位缴存部分相当于额外福利，低息贷款优势明显。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\ntips：https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n✅住房公积金可以提取出来用，比如租房、装修、还房贷等。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n✅医疗保险可以绑定家人的医保卡，这样家人看病也能用你的医保报销。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n✅养老保险可以转移接续，换工作也不用担心之前的缴费记录作废。https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n✅五险一金对于个人来说是一种保障还是非常重要的；如果我们因为某种原因断缴，可以通过以下两种方式解决：https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n1、gua靠公司缴纳；https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n2、可以注册营业执照自行缴纳；方便灵活https://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cchttps://www.nyrcw.cc\n#北京注册公司 #五险一金 #五险 #社保 #社保缴纳 #灵活就业 #社保知识 #北京社保 #北京创业

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