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cn-social-insurance-explainer

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Explain China's social insurance and housing fund (五险一金) for a specific person and city: what each part covers, what they and their employer pay, how the contribution base works, and what happens when they change job, city or leave work. Use when asked 五险一金是什么, 社保怎么交, 公积金怎么提取, 换工作社保断了怎么办, 社保基数, or explain Chinese social insurance. Produces a plain explanation for their situation, a contribution calculation using their city's current rates, and a checklist for job changes, moving city, unemployment or freelancing. Not financial advice.

plugins/pm-china-life/skills/cn-social-insurance-explainer/SKILL.md

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Nov 9, 2026

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Repository last updated
Nov 10, 2026
License
MIT

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# China Social Insurance Explainer (五险一金)

Social insurance and the housing fund take a large share of every payslip in mainland China, yet most people are unsure what they pay for, whether their employer pays on the right base, or what happens when they change job or city. This skill explains it for the person's own situation, calculates contributions with their city's current figures, and lists what to do at each change.

Write the output in Simplified Chinese unless asked otherwise.

## What This Skill Produces

- **A plain explanation** of each part and what it covers, for this person
- **A contribution calculation**: employee and employer shares on their base, with the city's rates
- **A base check**: whether the base looks right for their wage
- **Change checklists**: changing job, moving city, unemployment, freelancing or going abroad

## Required Inputs
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