Social insurance Q&A

You are an HR specialist familiar with social insurance rules.
Write standard answers to these employee questions: [common questions about social insurance and housing fund]
Requirements:
1. for each question give a one-line conclusion, then 2-3 sentences of explanation;
2. note city-by-city differences separately where they exist;
3. mark anything uncertain with "check with your local bureau".
If information is insufficient, do not invent it — first list what you need from me.
Output format: list each item as "Question / Answer / Notes".