問 我(wo)聽同學說他們公(gong)司(si)給繳(jiao)納五險一(yi)金，我(wo)們公(gong)司(si)卻不是，想咨詢一(yi)下，五險一(yi)金都是企業(ye)必須繳(jiao)納的么？

答 五險(xian)(xian)(xian)”指(zhi)的(de)(de)是(shi)(shi)(shi)(shi)五種保險(xian)(xian)(xian)，包括養(yang)老(lao)保險(xian)(xian)(xian)、醫療保險(xian)(xian)(xian)、失業(ye)保險(xian)(xian)(xian)、工傷(shang)保險(xian)(xian)(xian)和(he)生(sheng)育保險(xian)(xian)(xian)；“一金”指(zhi)的(de)(de)是(shi)(shi)(shi)(shi)住(zhu)房公積金。其中養(yang)老(lao)保險(xian)(xian)(xian)、醫療保險(xian)(xian)(xian)和(he)失業(ye)保險(xian)(xian)(xian)，這三種險(xian)(xian)(xian)是(shi)(shi)(shi)(shi)由企業(ye)和(he)個人(ren)共同(tong)繳(jiao)納的(de)(de)保費，工傷(shang)保險(xian)(xian)(xian)和(he)生(sheng)育保險(xian)(xian)(xian)完全是(shi)(shi)(shi)(shi)由企業(ye)承擔的(de)(de)。個人(ren)不需要繳(jiao)納。這里要注意(yi)的(de)(de)是(shi)(shi)(shi)(shi)“五險(xian)(xian)(xian)”是(shi)(shi)(shi)(shi)法定的(de)(de)，而“一金”不是(shi)(shi)(shi)(shi)法定的(de)(de)。