How to handle three insurances and one gold smoothly？ What are the key steps in the process？

Three insurances and one fund include pension insurance, medical insurance, unemployment insurance and housing accumulation fund, which are closely related to people’s lives and play an important role in pension, medical care, unemployment protection and housing improvement. So, how can we successfully handle three insurances and one gold? The following is a detailed introduction to the key steps in the handling process.

First of all, clear the subject. The three insurances and one fund for on-the-job employees are usually handled by the unit. Within a certain period of time after signing the labor contract with the employee, the unit has the obligation to handle the insurance formalities for the employee. Flexible employees need to go to the local social security agency and the housing provident fund management center on their own.

For on-the-job employees, the process of handling three insurances and one gold is as follows: Step one, prepare materials. Units need to prepare business license, organization code certificate, legal representative’s ID card and other supporting documents, while employees need to provide copies of ID cards, one-inch photos and other related materials. The second step is to open an account for social security and provident fund. Units should go to local social security agencies and housing provident fund management centers to handle account opening procedures, fill in relevant forms and submit prepared materials. The third step is to increase the number of employees. After the unit completes the account opening, it should go through the formalities of increasing the number of employees within the specified time and input the employee information into the system. The fourth step is to determine the payment base. According to the employee’s salary and income, the employee’s payment base is determined according to the local payment base range. The fifth step is to pay the fees on time. The unit shall pay three insurances and one gold fee by bank transfer every month according to the specified time and amount.

When flexible employees apply for three insurances and one gold on their own, they need to bring their ID cards, household registration books and other materials to the local social security agencies for registration. After choosing the payment grade, they can pay the fees on time through bank withholding and online payment. In terms of housing provident fund, local policies are different. In some areas, flexible employees are allowed to pay the provident fund in their own names. When handling, they need to go to the local housing provident fund management center to consult the specific handling procedures and required materials. Generally, they need to provide information such as ID cards and bank cards. After approval, they will pay according to the specified deposit base and proportion.

In order to give you a clearer understanding of the differences between the two, the following is a comparison table:

In the process of handling three insurances and one gold, there are still some key points to pay attention to. First, we should pay close attention to the processing progress in time, especially when the unit handles it, employees should keep in touch with the personnel department of the unit to ensure that their information is accurately entered into the system. Second, it is necessary to understand the local policies and regulations. There may be differences in the payment base, proportion and handling process of three insurances and one gold in different regions, and it should be handled according to local requirements. Third, properly keep relevant vouchers, such as payment invoices and social security cards, which may be used in future inquiries, reimbursement and other businesses.

In short, as long as relevant materials are prepared and key points are paid attention to in accordance with the prescribed procedures and requirements, both employees and flexible employees can successfully handle three insurances and one fund.

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