問 我聽同學說他們(men)公司給(gei)繳(jiao)納五險一金(jin)，我們(men)公司卻(que)不是，想咨詢一下，五險一金(jin)都是企(qi)業必須繳(jiao)納的么？

答 五險(xian)(xian)(xian)”指的是(shi)(shi)五種(zhong)(zhong)保(bao)(bao)(bao)險(xian)(xian)(xian)，包括養老(lao)(lao)保(bao)(bao)(bao)險(xian)(xian)(xian)、醫療(liao)保(bao)(bao)(bao)險(xian)(xian)(xian)、失業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)、工傷保(bao)(bao)(bao)險(xian)(xian)(xian)和生育保(bao)(bao)(bao)險(xian)(xian)(xian)；“一(yi)金”指的是(shi)(shi)住房公積金。其中養老(lao)(lao)保(bao)(bao)(bao)險(xian)(xian)(xian)、醫療(liao)保(bao)(bao)(bao)險(xian)(xian)(xian)和失業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)，這三(san)種(zhong)(zhong)險(xian)(xian)(xian)是(shi)(shi)由企業(ye)和個人共同(tong)繳(jiao)納(na)的保(bao)(bao)(bao)費(fei)，工傷保(bao)(bao)(bao)險(xian)(xian)(xian)和生育保(bao)(bao)(bao)險(xian)(xian)(xian)完(wan)全是(shi)(shi)由企業(ye)承擔(dan)的。個人不(bu)需要(yao)繳(jiao)納(na)。這里要(yao)注(zhu)意(yi)的是(shi)(shi)“五險(xian)(xian)(xian)”是(shi)(shi)法定的，而“一(yi)金”不(bu)是(shi)(shi)法定的。