Why can't I pay five insurances and one gold myself?

It is definitely illegal for a unit not to pay five insurances and one gold. There are several main reasons. First, in order to reduce costs, the unit did not pay employees. The second is that the employee himself does not pay, and the unit directly gives the employee as a subsidy, so that the unit feels that the salary is competitive.

But in any case, it is illegal for the unit not to pay social security and housing provident fund to employees. In the Social Insurance Law, it is clearly stipulated that both the unit and the employees should bear the social security expenses, while in the Regulations on the Management of Housing Provident Fund, it is clearly stipulated that the unit has not paid the housing provident fund for the employees.

Social insurance law

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 33 Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, while employees shall not pay the work-related injury insurance premium.

Forty-fourth employees should participate in unemployment insurance, and employers and employees should pay unemployment insurance premiums in accordance with state regulations.

Fifty-third employees should participate in maternity insurance, the employer should pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.

Eighty-fourth employers do not apply for social insurance registration, the social insurance administrative department shall order them to make corrections within a time limit; If no correction is made within the time limit, the employer shall be fined between one and three times the amount of social insurance premiums payable, and the directly responsible person in charge and other directly responsible personnel shall be fined between 500 yuan and 3,000 yuan.

Article 85 Where an employer refuses to issue a certificate of termination or dissolution of labor relations, it shall be handled in accordance with the provisions of the Labor Contract Law of People's Republic of China (PRC).

Article 86 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay within a time limit or make up for it, and from the date of default, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.

Regulations on the administration of housing provident fund

Article 13

The housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Article 14

Newly established units shall, within 30 days from the date of establishment, go to the housing provident fund management center to register the deposit of housing provident fund, and within 20 days from the date of registration, go to the entrusted bank to go through the formalities for the establishment of housing provident fund accounts for their employees.

In case of merger, division, cancellation, dissolution, bankruptcy, etc., the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and within 20 days from the date of completing the change or cancellation of registration, go to the entrusted bank to handle the transfer or sealing of the housing provident fund account for the employees of the unit with the audit documents of the housing provident fund management center.

Article 37

In violation of the provisions of this Ordinance, the unit does not handle the registration of housing provident fund deposit or the establishment of housing provident fund account for its employees, and the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.

Article 38

In violation of the provisions of this Ordinance, the unit fails to pay or underpays the housing provident fund, and the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.