問 我聽同學說(shuo)他們(men)(men)公司給繳(jiao)納(na)五險(xian)一(yi)金，我們(men)(men)公司卻不是，想(xiang)咨詢一(yi)下，五險(xian)一(yi)金都是企業必須繳(jiao)納(na)的么？

答 五險(xian)”指的是(shi)五種保(bao)(bao)(bao)險(xian)，包括養老保(bao)(bao)(bao)險(xian)、醫療(liao)保(bao)(bao)(bao)險(xian)、失(shi)業保(bao)(bao)(bao)險(xian)、工傷保(bao)(bao)(bao)險(xian)和生育保(bao)(bao)(bao)險(xian)；“一金”指的是(shi)住房公(gong)積金。其中養老保(bao)(bao)(bao)險(xian)、醫療(liao)保(bao)(bao)(bao)險(xian)和失(shi)業保(bao)(bao)(bao)險(xian)，這三種險(xian)是(shi)由企業和個人(ren)共同(tong)繳納(na)的保(bao)(bao)(bao)費，工傷保(bao)(bao)(bao)險(xian)和生育保(bao)(bao)(bao)險(xian)完全是(shi)由企業承(cheng)擔的。個人(ren)不(bu)需(xu)要繳納(na)。這里(li)要注意的是(shi)“五險(xian)”是(shi)法定的，而“一金”不(bu)是(shi)法定的。