問 最近公(gong)司給上保(bao)險(xian)和(he)公(gong)積金，之前(qian)不了解這些東西，公(gong)司和(he)個人繳納保(bao)險(xian)時該承擔(dan)什(shen)么(me)樣的比(bi)例(li)？

答 住房(fang)公積金：具體單(dan)位(wei)(wei)和(he)個(ge)(ge)人(ren)(ren)承擔(dan)(dan)的(de)比(bi)例(li)是(shi)各不(bu)相同，是(shi)按照(zhao)個(ge)(ge)人(ren)(ren)上年度平均(jun)工資做基數(shu)按一(yi)定比(bi)例(li)計算的(de)。住房(fang)公積金不(bu)低(di)于工資的(de)10%，效益(yi)好的(de)單(dan)位(wei)(wei)可以高些，職(zhi)工和(he)單(dan)位(wei)(wei)各承擔(dan)(dan)50%。 五險(xian)(xian)：按照(zhao)職(zhi)工工資，單(dan)位(wei)(wei)和(he)個(ge)(ge)人(ren)(ren)的(de)承擔(dan)(dan)比(bi)例(li)一(yi)般是(shi)：養老(lao)保(bao)(bao)險(xian)(xian)單(dan)位(wei)(wei)承擔(dan)(dan)20%，個(ge)(ge)人(ren)(ren)承擔(dan)(dan)8%；醫療保(bao)(bao)險(xian)(xian)單(dan)位(wei)(wei)承擔(dan)(dan)9%外加(jia)10元錢的(de)大(da)病統(tong)籌(chou)，個(ge)(ge)人(ren)(ren)2%；失業保(bao)(bao)險(xian)(xian)單(dan)位(wei)(wei)承擔(dan)(dan)2%，個(ge)(ge)人(ren)(ren)1%；生育(yu)保(bao)(bao)險(xian)(xian)0.8%全由(you)單(dan)位(wei)(wei)承擔(dan)(dan)；工傷保(bao)(bao)險(xian)(xian)0.5~1.6%也是(shi)全由(you)單(dan)位(wei)(wei)承擔(dan)(dan)，職(zhi)工個(ge)(ge)人(ren)(ren)不(bu)承擔(dan)(dan)生育(yu)和(he)工傷保(bao)(bao)險(xian)(xian)。