'Five insurances and one fund', is the slate of employment-based social funds for workers. The five mandatory insurance programs---pension, medical, unemployment, workers' compensation and maternity---are regulated by the Ministry of Human Resources and Social Security. Worker and employer contributions together amount to up to 40 percent of an individual's salary, sparking debate over both heavy fee burdens and potential fund shortfalls. The ‘one’ fund---the housing fund---is regulated by MoHURD, falling outside the bounds of the 2011 Social Insurance Law.