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A:
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小王，欢迎你加入我们的公司。合同你看过了吗，有什么问题？
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XiǎoWáng, huānyíng nǐ jiārù wǒmende gōngsī. hétong nǐ kàn guò le ma, yǒu shénme wèntí?
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Xiao Wang, welcome to our company. You have read the contract, so do you have any questions?
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B:
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我想问一下，我们公司的保险是怎么交的？
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wǒ xiǎng wèn yīxià, wǒmen gōngsī de bǎoxiǎn shì zěnme jiāo de?
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I would like to ask how our company provides insurances.
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A:
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就是国家规定的“五险一金”。
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jiùshì guójiā guīdìng de" wǔxiǎnyījīn”.
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The state regulation of "Five social insurances and one housing fund".
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B:
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不好意思，我刚回国，不太明白。
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bùhǎoyìsi, wǒ gāng huí guó, bù tài míngbai.
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Sorry, I just returned to China. I don't quite understand.
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A:
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“五险一金”是：养老保险、医疗保险、失业保险、工伤保险、生育保险和住房公积金。
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" wǔxiǎnyījīn” shì： yǎnglǎo bǎoxiǎn、 yīliáo bǎoxiǎn、 shīyè bǎoxiǎn、 gōngshāng bǎoxiǎn、 shēngyù bǎoxiǎn hé zhùfáng gōngjījīn.
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"Five social insurances and one housing fund" is: old age insurance, medical insurance, unemployment insurance, work disability insurance, maternity insurance and housing fund.
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B:
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这些全部是公司交的吗？
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zhèxiē quánbù shì gōngsī jiāo de ma?
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Does the company pay for all of these?
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A:
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养老保险、医疗保险、失业保险和住房公积金是由公司和个人一起交的。
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yǎnglǎo bǎoxiǎn、 yīliáo bǎoxiǎn、 shīyè bǎoxiǎn hé zhùfáng gōngjījīn shì yóu gōngsī hé gèrén yīqǐ jiāo de.
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Old age insurance, medical insurance, unemployment insurance and the housing fund are paid by the company and the individual together.
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B:
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那要交多少呢？
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nà yào jiāo duōshao ne?
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Then how much needs to be paid?
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A:
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每个城市不一样。上海的话，养老保险个人交8%,单位交21%;医疗保险个人交2%，单位交11%；失业保险个人交0.5%，单位交1.5%;公积金个人和单位各7%。
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měi ge chéngshì bù yīyàng. Shànghǎi dehuà, yǎnglǎo bǎoxiǎn gèrén jiāo bǎifēnzhībā, dānwèi jiāo bǎifēnzhīèrshíyī; yīliáo bǎoxiǎn gèrén jiāo bǎifēnzhīèr, dānwèi jiāo bǎifēnzhīshíyī； shīyè bǎoxiǎn gèrén jiāo báifēnzhīlíngdiǎnwǔ, dānwèi jiāo báifēnzhīyīdiǎnwǔ; gōngjījīn gèrén hé dānwèi ge bǎifēnzhīqī.
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Every city is different. In Shanghai, for the old age insurance the individual pays 8%, and the work unit pays 21%. For medical insurance the individual pays 2% and the work unit pays 11%. For unemployment insurance the individual pays 0.5% and the work unit pays 1.5%. The individual and the work unit each pay 7% for the housing fund.
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B:
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那我的户口不在上海，也要按照上海的标准交吗？
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nà wǒ de hùkǒu bù zài Shànghǎi, yě yào ànzhào Shànghǎi de biāozhǔn jiāo ma?
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Then, my residence permit is not in Shanghai, so do I have to pay according to Shanghai's criterion?
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A:
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是的，因为你是在上海工作。
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shìde, yīnwèi nǐ shì zài Shànghǎi gōngzuò.
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Yes, because you work in Shanghai.
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B:
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如果我退休了，可以领上海的养老金吗？
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rúguǒ wǒ tuìxiū le, kěyǐ lǐng Shànghǎi de yǎnglǎojīn ma?
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If I retire, can I collect old age insurance from Shanghai?
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A:
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这个比较麻烦。如果你退休了，可是户口不在上海，就只能去户口所在地领养老金。
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zhè ge bǐjiào máfan. rúguǒ nǐ tuìxiū le, kěshì hùkǒu bù zài Shànghǎi, jiù zhǐnéng qù hùkǒu suǒzàidì lǐng yǎnglǎojīn.
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This is rather a nuisance. If you retire, but your residence permit is not in Shanghai, then you can only go to the place of your permanent residence to collect old age insurance.
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B:
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真复杂啊。
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zhēn fùzá ā.
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It's so complicated.
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