問 最近公(gong)司給(gei)上保險和公(gong)積金，之前(qian)不了解這些東西，公(gong)司和個人繳(jiao)納保險時該承(cheng)擔什么樣(yang)的比例？

答 住房公積金：具體單(dan)(dan)位和個(ge)人(ren)承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)的比(bi)例(li)是(shi)各不相同，是(shi)按照個(ge)人(ren)上年度平(ping)均工資做基(ji)數按一定(ding)比(bi)例(li)計(ji)算的。住房公積金不低于工資的10%，效(xiao)益好(hao)的單(dan)(dan)位可以高(gao)些，職(zhi)工和單(dan)(dan)位各承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)50%。 五(wu)險(xian)：按照職(zhi)工工資，單(dan)(dan)位和個(ge)人(ren)的承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)比(bi)例(li)一般是(shi)：養老保(bao)(bao)(bao)險(xian)單(dan)(dan)位承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)20%，個(ge)人(ren)承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)8%；醫療保(bao)(bao)(bao)險(xian)單(dan)(dan)位承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)9%外(wai)加10元錢的大(da)病統籌(chou)，個(ge)人(ren)2%；失業保(bao)(bao)(bao)險(xian)單(dan)(dan)位承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)2%，個(ge)人(ren)1%；生育保(bao)(bao)(bao)險(xian)0.8%全由單(dan)(dan)位承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)；工傷保(bao)(bao)(bao)險(xian)0.5~1.6%也(ye)是(shi)全由單(dan)(dan)位承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)，職(zhi)工個(ge)人(ren)不承(cheng)(cheng)(cheng)擔(dan)(dan)(dan)生育和工傷保(bao)(bao)(bao)險(xian)。