What do I need to use China Social Insurance Explainer (五险一金)?

City; Monthly wage; Situation; The city's current rates and base limits.

Is China Social Insurance Explainer (五险一金) free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

China Social Insurance Explainer (五险一金)

Q: How do I know the China Social Insurance Explainer (五险一金) output is good?

The skill verifies itself against its own quality checks: Rates used are the person's city's figures with a source, or clearly labelled as typical; Employee and employer shares are both shown; The base is compared with the actual wage; The checklist matches the person's situation.

🔵 Stable🕐 updated 2026-10-05⚖️ rules checked 2026-10-05 🔷 SkillSpec L3 pm-china-life

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.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

🗣 Say this to your agent

“五险一金到底是什么？我在深圳，月薪两万。”“换工作中间断了一个月社保有影响吗？”“公积金怎么提取出来付房租？”“Explain Chinese social insurance for my situation.”

What to give it

▸City — where contributions are paid

▸Monthly wage — , and the contribution base shown on the payslip or in the app

▸Situation — employed, changing job, moving city, unemployed, flexible employment (灵活就业), going abroad

▸The city's current rates and base limits — , from the local social insurance bureau or app. If the person cannot find them, give typical ranges labelled as typical

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Rates used are the person's city's figures with a source, or clearly labelled as typical

✓Employee and employer shares are both shown

✓The base is compared with the actual wage

✓The checklist matches the person's situation

✓The disclaimer appears verbatim

✓If a 长辈版 is included, it uses one action per step, plain words and a call-for-help line

⚠️ What it refuses to do

**Using one city's rates for another.** Rates and bases are local.

**Treating typical figures as current.** They change yearly.

**Ignoring a low base.** It is the most common way contributions are underpaid.

**Advising someone to stop contributing** without explaining the consequences.

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="cn-social-insurance-explainer"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

China Social Insurance Explainer (五险一金) is one of 1297 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog