“五险一金”对普通人到底有什么用？一文说清楚

Group 1 - The concept of "Five Insurances and One Fund" includes pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, and housing provident fund [7] - Pension insurance provides basic living security, allowing individuals to receive monthly pensions after contributing for 15-20 years and reaching retirement age [3][4] - Medical insurance can be used immediately after purchase, significantly reducing out-of-pocket expenses for medical treatments [5] Group 2 - Unemployment insurance in Shenzhen allows individuals who have contributed for at least one year to apply for benefits if they are involuntarily unemployed, with a maximum benefit period of 24 months [9][11][12] - Work injury insurance covers compensation for injuries sustained during work or commuting, including medical expenses and wage compensation during recovery [13][17] - The housing provident fund can be seen as an additional salary, as both employees and employers contribute, and it can be used for down payments on homes with lower interest rates compared to commercial loans [16][18]