What kinds of social security are there in China?

Most areas of our country are set up separately: endowment insurance centers for government agencies and institutions.

Policy Consultation on Endowment Insurance for Institutions and Institutions (Example: Handan City, Hebei Province)

1. Which units and personnel should participate in the endowment insurance of government institutions at present?

Employees with labor contract system in government agencies and institutions, employees in institutions and self-supporting institutions in balance allocation, migrant workers entering the talent market, employees employed by institutions and staff of troops and institutions stationed in Han.

2. What are the principles for raising the endowment insurance premium of government agencies and institutions? How much is the charge?

The principle of raising old-age insurance premium is: "Fixed income by expenditure, a little savings and a little accumulation", and the annual accumulation scale is generally one to two months' pension expenditure. According to the principle of "reasonable sharing by the state or units and individuals * * *", the payment ratio determined by our city is 27%, of which the unit pays 20% of the total wages of employees, the individual pays 7% of his own wages, and the floating personnel pays 27% of his own wages.

3. How to determine the payment wage base?

(1) According to the document No.47 of Jilao Society [2002], the salary items included in the payment base include: (1) basic salary; (2) post salary; (3) level salary; (4) seniority salary; (5) post salary; (6) technical level (position) salary; (7) Allowance (part of living wage); (8) Retaining subsidies; (9) Fuel subsidies; (10) post allowance; (1 1) bonus; (12) special industry subsidies; (13) regional allowance; (14) Housing allowance and overtime pay.

(two) the payment base of floating personnel shall not be lower than the personal file salary approved by the personnel department.

(three) the payment base of the employed personnel is calculated according to the total wages actually paid by me, the minimum is not less than 60% of the average social wage, and the maximum is not higher than 300% of the average social wage.

4. How to pay the endowment insurance premium of government agencies and institutions?

The endowment insurance of government agencies and institutions shall implement the system of "monthly audit", and all insured units must pay in full and on time, and settle accounts on a monthly basis. Failing to pay in accordance with the provisions, it shall be punished in accordance with the Provisional Regulations on the Collection and Payment of Social Insurance Fees issued by the State Council, and a late payment fee of 2‰ shall be charged on a daily basis from the date of default, and the late payment fee shall be incorporated into the endowment insurance fund.

If the insured unit fails to declare for one year, it shall be deemed as automatic surrender. Failing to declare as required, the social security institution shall not allocate the retirement fee. Units that have the ability to pay and refuse to pay will be suspended from handling the old-age insurance procedures, and those that have exceeded 6 months will be treated as surrender.

5. What are the pension schemes for retirees of government agencies and institutions that social insurance institutions should undertake?

The pension projects undertaken by social security institutions for retirees of insured units include: (1) the retirement expenses of government agencies and institutions currently stipulated by the state and the province; (2) Military service allowance; (3) Retaining subsidies; (4) fuel subsidies; (5) post allowance; (6) Honorary allowance for model workers; (7) seniority allowance; (8) Age allowance; (9) Living allowance for one to two months; (10) nursing expenses; (1 1) transportation expenses; (12) funeral expenses; (13) personal account compensation. The pension in the overall planning project shall be issued by the social insurance agencies of government agencies and institutions, and the part outside the overall planning project shall be issued according to the original financing channels.

6. How to calculate personal account compensation?

According to the document number. According toNo. [2000] 127 of Jilao Social Affairs Office, the individual account compensation is calculated according to the standard that the individual contribution (including interest) in the individual account is divided by 120. Those less than 5 yuan are paid according to 5 yuan, and those greater than 5 yuan are actually paid. If the state introduces new measures to reform the old-age insurance system, it shall be implemented in accordance with relevant state policies.

7. What's the difference between employees who are insured under the labor contract system and regular employees when they reach the legal retirement age?

If the employees under the labor contract system reach the retirement age stipulated by the state and the accumulated payment period (including deemed payment period-the same below) is over 15 years, they will go through retirement formalities in the current month and enjoy the pension insurance benefits from the next month; Those who have reached the retirement age stipulated by the state and paid less than 15 years will not enjoy the pension insurance benefits on a monthly basis, and will be paid to individuals in a lump sum according to the total amount of their personal accounts, or according to the standard of paying two months' average monthly salary in the highest year during the payment period, and the pension insurance relationship will be terminated at the same time.

If the national fixed employees who participate in the endowment insurance reach the retirement age stipulated by the state and the accumulated payment period is over ten years, they will go through the retirement formalities in the same month and enjoy the endowment insurance benefits from the next month; If the accumulated payment is less than 10 years when reaching the retirement age stipulated by the state, the pension insurance benefits will not be enjoyed on a monthly basis, and the pension insurance relationship will be terminated at the same time according to the total personal account or the standard of the highest monthly average payment salary during the two-month payment period.

8. How to pay the old-age insurance premium for the employees under the labor contract system?

The employees under the labor contract system will receive pension according to the payment period. Among them, veterans and educated youth who go to the countryside are recruited as employees of the labor contract system, and their length of military service and rural areas are regarded as the payment period. After the temporary workers are transferred to the labor contract system, the continuous service before September 30, 986 is regarded as the payment period, and the service period after June 30, according to the regulations 1986+05438+0. Failing to pay the endowment insurance premium as required, it shall be paid according to the salary and proportion of the current year.

7 1. What are the special regulations for employees transferred from enterprises to government agencies and institutions?

According to the documentNo. [2006 54 38+0]30 of Hanlao Society, if an enterprise is transferred to an institution and reaches retirement age within one year, the social security institution will not accept its pension insurance relationship and will not enjoy the pension insurance benefits of the institution. If a person reaches retirement age within one year or more and five years, the social security institutions of government agencies and institutions can receive the pension insurance relationship, and plan and pay retirement benefits according to the enterprise pension insurance plan and payment method when handling retirement.

9. How do people who keep files in labor and personnel agencies participate in insurance?

(1) Personnel files kept in the employment service centers of labor and social security departments at all levels in this Municipality and the talent exchange service centers of personnel departments (hereinafter referred to as "labor and personnel agencies") shall participate in endowment insurance and pay endowment insurance premiums according to relevant regulations.

(2) If the employer entrusts a labor and personnel agency to manage the personnel files of the unit, it shall participate in endowment insurance according to the nature of the employer. Belong to the nature of enterprises, to participate in the basic old-age insurance for employees of urban enterprises, and pay the basic old-age insurance premium in accordance with the enterprise payment standards and methods; Belonging to the nature of the cause, to participate in the endowment insurance of government agencies and institutions, and to pay the endowment insurance premium in accordance with the payment standards and methods of institutions stipulated by our province. After its personnel reach the national legal retirement age, they shall pay the pension insurance benefits according to the corresponding system.

(three) the former staff of state organs or institutions are self-employed because of diversion. If an individual entrusts a labor and personnel agency to manage files after resigning due to dismissal, dismissal or other reasons, he can continue to participate in the endowment insurance of government agencies and institutions, pay the endowment insurance premium in accordance with the relevant provisions of the Implementation Measures for the Endowment Insurance for Migrant Workers in Hebei Province (No.33, J.R.F.Zi. [1996]), and enjoy the corresponding endowment insurance benefits; You can also participate in the basic old-age insurance for employees of urban enterprises and pay the basic old-age insurance premium according to the payment standard of urban individual industrial and commercial households. According to the payment standard of urban individual industrial and commercial households, the continuous length of service calculated in accordance with the provisions of the state before the implementation of individual payment of enterprise employees in our province can be regarded as the payment period, and the payment period of individuals participating in the endowment insurance of government agencies and institutions in the original unit and the actual payment period in the future according to the standard payment of urban individual industrial and commercial households are calculated together. Those who have reached the national statutory retirement age and paid for 15 years will be paid pension insurance benefits according to the basic pension plan of enterprises.

(4) If the employees of the former enterprise choose their own jobs after the termination or dissolution of labor relations with their units, and individuals entrust labor and personnel agencies to manage personnel files, they will continue to participate in the basic old-age insurance for enterprise employees and pay the basic old-age insurance premiums according to the payment standards of individual industrial and commercial households in cities and towns. When calculating retirement benefits, it is regarded as the payment period and the actual payment period in the enterprise, and the later years are merged into the actual payment period; Re-participating in the endowment insurance of government agencies and institutions shall, in accordance with the provisions of the Measures for the Implementation of Endowment Insurance for Migrant Workers in Hebei Province, pay for more than 15 years continuously. When you plan retirement benefits according to the pension plan of government agencies and institutions, the original deemed payment period and the actual payment period can be calculated together.

(five) college graduates who have not defined the labor relationship or working relationship and entrusted the labor and personnel agency to manage the personnel files may choose to participate in the endowment insurance of institutions or enterprises, and pay the endowment insurance premium according to the corresponding regulations; If there is a clear labor relationship or working relationship, you must participate in the corresponding old-age insurance according to the nature of the unit that determines the labor relationship or working relationship.

(6) The labor and personnel agency shall go through the formalities of participating in the endowment insurance and paying the endowment insurance premium for the archivists in time, which may allow the archivists entrusted to pay the endowment insurance premium by themselves at the designated endowment insurance agency or on their behalf. The endowment insurance premium paid by the agency shall be paid to the corresponding endowment insurance agency in time according to different system scope.

(7) After the personnel entrusted by the labor and personnel agency to file are hired or re-employed and the personnel files are transferred to the unit where they are hired or re-employed, they should continue to participate in the old-age insurance and pay the old-age insurance premium according to the nature of the unit where they are hired or re-employed. When the payment period before and after is calculated together, the pension insurance benefits are calculated according to the pension insurance system of the unit where they retire.

(8) If the archivist entrusted by the labor and personnel agency is transferred or dies during the insured period, the transfer of the old-age insurance relationship, fund payment and participation in the basic old-age insurance for enterprise employees shall be handled in accordance with the provisions of the provincial government 1998 1 and other documents; Those who participate in the endowment insurance of government agencies and institutions shall be handled in accordance with the provisions of document No. [2000] No.65438 Provincial Labor and Social Security Department [2000] No.200.

(9) After the archivists entrusted by the labor and personnel agency reach the national statutory retirement age, the labor and personnel agency will report their files to the labor security or personnel administrative department at the same level for approval and retirement, and the endowment insurance agency that entrusted the archivists to pay the endowment insurance premium for the last time will pay the endowment insurance benefits.

10. How do employees employed by government agencies and institutions participate in insurance? How to calculate their retirement benefits?

The Interim Measures for the Basic Old-age Insurance for Employees in Institutions and Institutions in Hebei Province stipulates that:

(1) Employed personnel refer to the personnel recruited by the personnel departments of government agencies and institutions and signed employment contracts (excluding retirees and rehired personnel).

(2) The basic old-age insurance follows the principle of the correspondence between rights and obligations, the unity of fairness and efficiency, and its business is handled by social insurance agencies of government agencies and institutions.

(three) the basic old-age insurance premiums shall be paid in a reasonable proportion according to the principle of fixed income by expenditure, and shall be shared by the employer and the individual. The payment base is the total amount of wages paid by me in the current month, the minimum of which shall not be less than 60% of the average social wage in the previous year, and the maximum shall not exceed 300% of the average social wage. The unit contribution ratio is 20%, and the individual contribution ratio is currently 7%. The employer shall declare and pay on a monthly basis; If the employee terminates the labor contract with the employer, the employer shall handle the termination insurance in time. The measures for the administration of individual accounts of endowment insurance shall be implemented in accordance with the Interim Measures for the Administration of Individual Accounts of Endowment Insurance in Hebei Province (No.JiLao Office [2000] 127).

(four) if the employee terminates the labor contract and suspends the payment of the basic old-age insurance premium, he shall keep his personal account. If you participate in the basic old-age insurance again, the payment period can be calculated together, and the amount stored in your personal account will bear interest continuously.

After the employee and the employer terminate the employment contract, they re-enter the work across the scope of overall planning. According to the Notice of the Hebei Provincial Department of Labor and Social Security on Supplementary Opinions on Several Specific Issues concerning the Interim Measures for the Administration of Individual Accounts of Basic Old-age Insurance for Institutions and Institutions in Hebei Province (No.200 [2000] of Hebei Labor and Social Security Office), the formalities for the transfer of the old-age insurance relationship can be handled, and the payment period can be calculated together.

(5) If the employees are workers under the labor contract system, the payment period can be calculated together.

(6) After the employee dies at work, the individual contribution and interest in the personal account of the basic old-age insurance will be paid to his legal heir or designated beneficiary at one time.

(7) Employees can pay the basic old-age insurance premium (including interest) according to the current payment base and proportion from the date of employment.

(8) The basic old-age insurance benefits are calculated as follows:

Men who have reached the age of 60 and women who have reached the age of 55 can retire and enjoy basic old-age insurance benefits.

The date of birth of the hired personnel is subject to the original personnel file. If there is no personnel file, the date of birth registered in the household registration book shall prevail. The payment period is subject to the endowment insurance manual and personal account statement.

After reaching retirement age, employees who have actually paid 15 years or more can receive the basic pension on a monthly basis. Basic pensions include: basic pensions, subsidized pensions and funeral subsidies.

Basic pension includes basic pension and personal account pension. The basic pension is calculated and paid according to 20% of the average monthly salary of local employees in the previous year, and the personal account pension is calculated and paid according to the amount stored in the personal account (including interest) divided by 120. If the accumulated payment period is less than 15 years after the employee reaches retirement age, all the storage amount and interest in the personal account will be paid in one lump sum, and the basic old-age insurance relationship will be terminated.

Before the introduction of the unified reform policy of the endowment insurance system of government agencies and institutions, employees who participated in the basic endowment insurance of government agencies and institutions will be granted temporary subsidized pensions, that is, if they have participated in the basic endowment insurance of government agencies and institutions for 15 years, the basic pension will be increased by 5% on the basis of the original calculation and payment standard, and will be increased by 0.7% every year if the payment exceeds 15 years. After the promulgation of the new basic old-age insurance system reform policy for government agencies and institutions, it will be implemented according to national policies.

The adjustment of the basic pension for employees after retirement shall be adjusted according to the increase of retirement fees for retirees in government agencies and institutions.

If an employee is reeducated through labor during the period of receiving the basic pension, the pension will be stopped during the period of reeducation through labor and serving a sentence, and the basic old-age insurance benefits will be restored by the social insurance agency after the expiration of reeducation through labor and serving a sentence.

If an employee dies after retirement, he shall be given a one-time funeral subsidy 400 yuan to his legal heir or designated beneficiary.

1 1. Institutions and institutions don't pay old-age insurance premiums. What are the rules for employees' retirement?

For those who have reached the retirement age stipulated by the state and are ready to go through the retirement formalities in accordance with the regulations, if their units and individuals owe the old-age insurance premiums, they will enjoy the old-age insurance benefits in full after paying the arrears. If it is unable to pay the fees owed, when calculating the pension, the total amount of the pension will be deducted by 1% from the monthly pension insurance premium owed. After all the old-age insurance premiums owed by units and individuals are paid, the pension standard before the reduction will be restored from the month of payment, and the reduced pension will be reissued in full at one time.

12. What are the new regulations for employee retirement and early retirement?

The number of employees insured by government agencies and institutions who retire early and due to illness shall be strictly controlled within 10% of the number of people who should retire in that year, and no breakthrough shall be made. According to the early retirement due to illness, the early retirement benefits will be reduced by 2% every year. Social security agencies should review these retirees before issuing retirement benefits, and stop issuing pensions if they do not meet the conditions.

13, how to join the insurance after the transformation of public institutions?

According to the spirit of two documents: Notice of Hebei Provincial Department of Labor and Social Security on Issues Related to Old-age Insurance after Institution Transformation (No.68 [2000] of Hebei Provincial Department of Labor and Social Security and Notice of Hebei Provincial Department of Personnel on Perfecting and Standardizing the Pilot Work of Old-age Insurance System Reform of Institutions and Institutions (No.47 [2002] of Hebei Provincial Department of Labor and Social Security), the insured units were cancelled or passed the shareholding system or shares in the institutional reform. In the case of property rights reorganization in the form of joint venture, merger, sale, separation and bankruptcy, the social insurance benefits and endowment insurance premiums of employees and retired employees of this unit shall be implemented with reference to the Interim Measures for the Disposal of State-owned Assets in the Reform of Small State-owned Enterprises in Hebei Province, Zi [1998] No.63 and Ji Lao [1999] No.65438+. Unpaid old-age insurance fees and retirement pension insurance fees will be calculated to the age of 70, and will be paid back to the social insurance agency at one time to ensure that the old-age insurance benefits of on-the-job personnel and retired and resigned personnel will not be lost.

Before the transformation, the units that have participated in the overall planning of the basic old-age insurance of government agencies and institutions have been transferred to the overall planning scope of the basic old-age insurance of enterprises since the date of transformation. After the transformation of the unit, the period for the transfer of pension insurance relationship and business handover is three months from the date of transformation to the date of completion of transfer and handover.

14. how do workers who perform technical and management positions in institutions handle retirement?

The staff of public institutions, in management posts or professional and technical posts, shall implement the salary standard of career managers or professional and technical personnel, work for 10 years or more, and retire at the retirement age of cadres.

15. Who will pay the year-end one-time living allowance for retirees from government agencies and institutions?

According to the document number. Ji Lao she ban [2003] 125, which does not belong to the overall scope of basic old-age insurance, should be paid by the original financing channels.

[Note] The policies and regulations on which the contents of endowment insurance in the above institutions are based are:

(1) Notice of Hebei Provincial Department of Labor and Social Security and Hebei Provincial Department of Personnel on Perfecting and Standardizing the Pilot Work of Pension Insurance System Reform in Institutions and Institutions (No.47 [2002] of Hebei Labor and Social Security Agency);

(2) Notice of Handan Municipal Labor and Social Security Bureau and Handan Municipal Personnel Bureau on Forwarding Document No.47 [2002] of Ji Lao She (No.23 [2002] of Han Lao She);

(3) Notice of the Department of Labor and Social Security of Hebei Province on Issues Related to Old-age Insurance after Institution Transformation (Ji Lao She [2000] No.68);

(4) Notice of Hebei Province and Social Security Department on Printing and Distributing the Interim Measures for the Management of Individual Accounts of Endowment Insurance in Hebei Province (No.[2000] 127 issued by Hebei Labor and Social Security Department);

(5) Notice of Hebei Provincial Department of Labor and Social Insurance on Issues Related to Old-age Insurance for Archivists in Labor and Personnel Agencies (No.38 [20065438+0] of Hebei Labor Society);

(6) Notice of Handan Municipal Bureau of Labor and Social Security and Handan Municipal Bureau of Personnel on Several Issues Concerning the Old-age Insurance of Institutions and Institutions (No.30 [20065438+0]);

(7) Notice of Hebei Provincial Department of Labor and Social Security, Hebei Provincial Department of Personnel and Hebei Provincial Department of Finance on Printing and Distributing the Interim Measures for the Basic Old-age Insurance for Employees of Government Organs and Institutions in Hebei Province (Ji Lao She [2003] No.42);

(8) Implementation Opinions of Hebei Provincial Department of Labor and Social Security, Hebei Provincial Department of Finance, Hebei Provincial Department of Personnel, and Office of Hebei Provincial Organizational Planning Committee on Handling Social Insurance Relationship when Employees of Government Offices and Institutions Move (Ji Lao She [2001] No.96);

(9) Notice of Hebei Provincial Department of Labor and Social Security on Issues Related to Old-age Insurance of Institutions after Enterprise Transformation (No.275 [20065438+0] of Hebei Labor and Social Security Department);

(10) Reply from the Social Insurance Bureau of Hebei Province to Langfang Social Insurance Research Institute on issues related to the implementation of document No.47 [2002] of Jilaoshe (No.4 [2003] of Jilaoshe);

(1 1) Reply of Hebei Provincial Department of Labor and Social Security and Hebei Provincial Department of Finance on the request of Hengshui Municipal Bureau of Labor and Social Security and Finance Bureau on whether the year-end one-time bonus of employees of government agencies and institutions is included in the overall scope of old-age insurance (No.2003125 of Hebei Labor and Social Security Department).