Xuzhou employee endowment insurance

I. Pension Plan and Payment Method

(1) 1998 1 After that, the payment period is accumulated to 15 years;

1, basic pension will be paid monthly after retirement.

2. The basic pension consists of two departments: the basic pension and the personal account pension. When retiring, the monthly standard of basic pension is 20% of the average monthly salary of employees in this city in the previous year, and the monthly standard of personal account pension is the amount stored in my account divided by 120. If the individual payment period is less than 15, he will not enjoy the basic pension after retirement, and the amount stored in his personal account will be paid to him in one lump sum.

(2) Persons who started work before February 65438+65438 in 0997+365438 and retired after February 65438 in 0998+0:

1. If the cumulative payment and deemed payment period reach 10 years, the transitional pension will be calculated and paid on the basis of basic pension and personal account pension on a monthly basis.

2. The monthly standard of basic pension is 15% of the average monthly salary of employees in the previous year, and 20% of the average monthly salary of employees who reach 15. The monthly standard of transitional pension is 1 year increase for each payment period before the end of 0995/0.4. The maximum monthly standard of transitional pension is 150 yuan.

3. Persons whose payment years are less than 10 years are not entitled to basic pension benefits, and the amount stored in their personal accounts is paid to them in one lump sum, and before the end of 1995, they will be given a pension with an indexed monthly average payment salary of 2 months for each payment period 1 year; After 1996 65438+ 10/month 1, the payment period will be paid in one lump sum to the average salary of employees in the previous year.

Second, the transfer and inheritance of personal account funds.

(1) Transfer:

1. When employees move between different employers:

(1) Workers who move between various enterprises in our city (excluding some enterprises affiliated to the central government and the military) only need to go through the formalities of personnel increase or decrease, and their basic old-age insurance relationship and personal account funds will not be transferred.

(two) when the laborer flows in the following circumstances, only his basic old-age insurance relationship is transferred, and his personal account is not transferred;

The flow between various enterprises and municipal institutions in the city;

The flow between contract workers of various enterprises in this Municipality and contract workers of provincial organs and institutions;

The flow between all kinds of enterprises in this Municipality and all kinds of enterprises and institutions in other places and cities in the province;

The flow between various enterprises in the city and some central enterprises and military enterprises in the province;

(3) The basic old-age insurance relationship and personal account funds are all transferred between various enterprises in this city and enterprises in other provinces.

2. Materials required for transfer:

(1) Transfer-in: After the laborer establishes a new basic old-age insurance relationship in our city, the employer shall establish a new employee old-age insurance manual for him in time, and handle it at the social insurance agency with his transfer instruction, administrative letter of introduction, enterprise employee basic old-age insurance fund transfer list, original employee old-age insurance manual and employee basic old-age insurance personal account notice.

(2) Transfer-out: When an employee requests to transfer the basic old-age insurance relationship, the original employer shall handle the transfer-out formalities at the social insurance agency with his transfer order, administrative letter of introduction, certificate of dissolution of labor relationship, labor contract signed with the new unit and employee old-age insurance manual. If the fund is transferred out, the bank and account number of the social insurance agency of the transferee shall also be provided.

(two) special personnel pension insurance personal account processing:

1. Going abroad to settle down: If an employee goes abroad to settle down and has gone through the formalities of closing his/her account, the amount stored in the personal account of the endowment insurance fund will be returned to him/her as required. When employees and former employers receive (receive) personal account payment, they should present the following materials to the social security agency: exit card, passport, immigrant visa and entry file (in Chinese and English), account cancellation certificate, old-age insurance manual, etc.

2. After the death of an on-the-job employee or retiree, the individual contributions in his personal account before his death can be inherited according to regulations. When the deceased receives (receives) the amount of the estate according to the regulations, the employer and the heir shall present the following materials to the social insurance agency: the death certificate of the deceased, the employee's endowment insurance manual, the personal account of the employee's basic endowment insurance survivor inheritance application form, the original and photocopy of the heir's ID card, the relationship certificate between the heir and the deceased, and the successor's entrusted unit to collect it on his behalf.

Three, how to participate in the basic old-age insurance for individual workers

1. How to register? Self-employed and migrant workers who come from other places to do business and work, carry the Handbook of Basic Old-age Insurance for Enterprise Employees (a new handbook is required for the first payment), ID card, individual business license (provided by the street office for freelancers) and proof of personnel file sealing (not provided for those without files). Originally, employees of enterprises should also go to the county (city) where they are located with the procedures for terminating or dissolving labor relations.

2. How to pay the fee. After registration, you can pay the old-age insurance premium at the county (city) or district social insurance agency where you are registered, or you can pay the old-age insurance premium at the approved agency.

3. Payment standard. According to the "Provisional Regulations on the Collection and Payment of Social Insurance Fees", the payment base is determined by the paying individual according to his business income last month. The upper limit of the base is not more than 300% of the average monthly salary of employees in this Municipality last year, and the lower limit is not less than 60% of the average monthly salary of employees in this Municipality last year. The proportion of individual contributions of employees is 20% of the base. The base number of 1 1% is credited to personal account, and interest is calculated on a daily basis. 9% of the base is allocated to social pooling.

4. Agency. Self-employed workers and migrant workers who come from other places to do business can go to the municipal social insurance agency and the county (city) and district social insurance agency to receive the social insurance registration application form and go through the formalities of participating in the basic old-age insurance.