How to handle the business related to three insurances and one gold? What are the steps for handling three insurances and one gold?
Three insurances and one gold include endowment insurance, medical insurance, unemployment insurance and housing accumulation fund, which are closely related to our lives. The following is a detailed introduction to the specific steps for handling the related business of three insurances and one gold.
First of all, for employees with work units, it is relatively simple to handle three insurances and one gold. Generally handled by the unit. When entering the job, employees need to provide relevant information, such as a copy of ID card and a one-inch photo. For specific requirements, please consult the human resources department of the unit. According to the information provided by employees, the unit will open an account in the local social security and provident fund management institutions. After that, the unit will withhold and remit the expenses of three insurances and one gold from the employee’s salary according to the prescribed proportion.
Take the old-age insurance as an example, the unit usually pays the old-age insurance fees paid by the unit and employees to the local social security agency at a fixed time every month. Employees can check their pension insurance payment records through the official website of the local social security department, mobile APP and other channels. The process of medical insurance and unemployment insurance is similar to that of endowment insurance, and the unit will handle the registration and payment procedures in a unified way.
The handling of housing provident fund is also the responsibility of the unit. The unit will open a housing provident fund account for employees and pay the provident fund in accordance with the prescribed proportion. Employees can use the provident fund to purchase houses, rent houses and other related businesses. When withdrawing the provident fund, certain conditions need to be met, such as buying self-occupied housing and repaying the principal and interest of the house purchase loan. Employees need to apply to the unit and submit relevant supporting materials. After being audited by the unit, they will go to the local provident fund management center for withdrawal procedures.
For flexible employees, the process of handling three insurances and one gold is relatively complicated. Flexible employees can participate in endowment insurance and medical insurance in their personal capacity. When handling, you need to bring your ID card, household registration book and other relevant information to the local social security agency for insurance registration. When choosing the payment grade, you can choose according to your own economic situation. Payment methods generally include bank withholding and online payment.
The following is a comparison table for employees and flexible employees to handle three insurances and one gold:
Unemployment insurance and housing provident fund, flexible employees generally can not handle it by themselves, and need to participate in the insurance in the form of units. When handling the business related to three insurances and one gold, everyone should pay attention to the changes of local policies in time to ensure the smooth progress of the handling process. At the same time, we should take good care of our relevant certificates and materials to avoid problems such as information leakage.
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