《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？
<paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><strong style="box-sizing: border-box;">说每一个初入职场的年轻人，都会有相同的烦恼：说好税前一万五，发完工资只够吃土，莫名其妙少了一大笔钱，这是怎么回事？</strong></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203903173236554385957.jpg"><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><strong style="box-sizing: border-box;">除了税，少的这笔钱就是我们工作中逃不开的五险一金。</strong></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">辛辛苦苦缴了这么多年，但你真的懂五险一金是什么吗？</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203904173236554444293.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><fontcolor style="box-sizing: border-box;" color="rgb(58, 139, 255)">一、五险一金是啥</fontcolor></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">咱们先来捋一下“一金”。话说，这年头大多数人上班挣钱都想买房。但混子哥还不了解你们吗？工资全贡献给GDP了，拿啥买？</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">别怕，<strong style="box-sizing: border-box;">你每个月的工资，有一部分会自动存到一个账户里。这就是住房公积金账户，</strong>专门用来帮你买房的。</paragraph></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203904173236554414043.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">说完了“一金”，那“五险”又是什么？话说咱们上班族，要是出点啥意外，可不得了，下能影响加班，上能拖经济后腿。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><strong style="box-sizing: border-box;">公司为了让你好好工作，没有后顾之忧，帮你买了五份保险，也就是五险：统称社保，</strong>生老病死一条龙服务，谁都用得着。</paragraph></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203904173236554481868.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><fontcolor style="box-sizing: border-box;" color="rgb(58, 139, 255)">二、五险一金是怎么交的</fontcolor></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">看到这里，问题来了，咱们每个月工资里的钱是怎么缴的呢？首先记住一个公式：<strong style="box-sizing: border-box;">缴费基数×缴费比例=应缴的钱。</strong></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">看不懂不要紧，拆开来看，啥叫缴费基数呢？一个城市里，有人赚得多，有人赚得少，但总有一个平均工资。然后按这玩意儿，弄一个下限和一个上限。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">怎么算的呢？比如2019年你在上海工作，工资正好在基数范围里：</paragraph></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203905173236554557329.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">切饼的比例就叫缴费比例，再除去税，剩下的饼就是到手的工资啦！</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">很简单对不对？但你再仔细审审题，就会发现，少了两个保险，这是怎么回事？别急，不是笔误，前面算出来的，只是你自己缴的那部分，公司还帮你缴了大头，看张图就明白了：</paragraph></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203905173236554513334.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">所以你自己的加上公司缴的，才是总的五险一金。</paragraph></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203906173236554640391.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><fontcolor style="box-sizing: border-box;" color="rgb(58, 139, 255)">三、五险一金怎么用</fontcolor></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">我们缴的五险一金，最后去了这两个地方：</paragraph></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203906173236554621453.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">具体怎么用，还得一个个看：</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">1、养老保险</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">咱们现在缴的钱都进了养老保险基金，国家用这钱给现在的老年人养老。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><strong style="box-sizing: border-box;">等你退休了，才能领养老金，</strong>但想领钱还有个条件：如果不够15年，那对不起，恐怕享受不到福利了。你自己缴的会退给你，不过公司帮你缴的钱，只能和它们说再见了。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203906173236554681676.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">2、医疗保险</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><strong style="box-sizing: border-box;">我们自己缴的钱会存到个人账户，也就是医保卡。</strong></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">平时你需要买个药，看个病，都可以刷这张卡，医保卡就相当于银行卡。但有些药是不能刷医保卡的，买之前查清楚，看小病用这卡就够了。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">但是万一有个大病怎么办？公司帮你交的医疗保险费大部分进了统筹基金，万一要看大病，可以帮你报销一部分。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203907173236554756159.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">3、失业保险</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">看名字就知道，万一突然被炒鱿鱼了，至少不会过得很惨，不过至少要缴满一年才能用。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><strong style="box-sizing: border-box;">靠失业金过日子？想太多了！办理手续很麻烦，钱也少得可怜。</strong></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203907173236554778262.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">4、工伤保险</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"><strong style="box-sizing: border-box;">你工作时受了伤，它可以给你报销。</strong>有意思的是，上下班路上出事了（非主要责任，且得到人力资源社会保障局确认），也算工伤。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">有些职业病也算，情况有很多，这里就不一一列举出来了。</paragraph></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203907173236554715425.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">5、生育保险</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">这个对女同胞更有用，<strong style="box-sizing: border-box;">生娃这么伟大的事，当然得有保障。</strong></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">男同胞先别急，虽然生不了娃，享受不了生育保险的福利，但可以休带薪陪产假。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203908173236554843451.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">6、住房公积金</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">这笔钱专门用来给你解决房子问题，公积金贷款会有些政策优惠。</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">就算买不起房，还可以取出来干这些事：</paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203908173236554866622.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">顺便提一句，<strong style="box-sizing: border-box;">如果住房公积金一直放着没动，恭喜你，你将有一大笔钱过退休生活！</strong></paragraph></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><img alt="《半小时漫画经济学》| 那些年缴过的“五险一金”到底是什么？" src="http://sslm2016.oss-cn-beijing.aliyuncs.com/upload/2024/11/20241123203908173236554837545.jpg"></div><div><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);"></paragraph><paragraph style="color: rgb(51, 51, 52); font-family: PingFangSC-Light; font-size: 16px; box-sizing: border-box; text-size-adjust: auto; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); caret-color: rgb(0, 122, 255);">好了，五险一金就说到这里，<strong style="box-sizing: border-box;">是不是感觉上班更有安全感了呢？</strong></paragraph></div>
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