Social security refund policy in 2022

1, under the age of 35, the monthly payment is 2% of the social security payment base (individual payment)

2.35~45 years old, the individual pays monthly, that is, 2% of the social security payment base+0% of the unit allocation.

From the age of 3.45 to retirement age, the individual's monthly payment is 2% of the social security payment base, plus 0.8% allocated by the 65438+ unit;

4. After retirement, I still get money every month, which is 4. 1% of the average salary of the previous year.

Cancel social security:

1. The insured goes abroad for settlement.

Immigrating to other countries can apply in writing to terminate the basic old-age insurance relationship for employees with the word "immigrant", the immigration procedures issued by the government department of the place of residence and the cancellation page of the household registration book when leaving the country or after leaving the country. After being approved by the agency, they will return the personal payment principal and interest during the enterprise payment period, the personal account principal and interest during the flexible employment payment period and the personal payment principal outside the personal account.

Second, the insured dies.

Whether the insured dies at work or receives a pension, the amount (balance) stored in his personal account can be inherited by the beneficiary or legal heir designated by him before his death. Moreover, the families of retired people can also receive pensions and funeral expenses. So it doesn't mean that you can't get the rest of the old-age insurance if you die just after retirement. In fact, the legal heir can accept the part you handed in.

3. If the insured reaches the retirement age and fails to pay the basic old-age insurance premium for employees of urban enterprises according to 15, and is unwilling to postpone the payment or pay in one lump sum when reaching the statutory retirement age, he may apply in writing to terminate the basic old-age insurance for employees and return the part paid by the individual.

What is the standard for receiving social security?

According to local regulations, the payment standards of social security subsidies are also different. Generally pay a certain percentage according to a fixed base. For example, Tianjin's social security subsidy base in 2022 is 4,400 yuan, which is the lowest payment base this year, and the proportion of contributions varies from place to place. Most areas pay 50%.

For example, flexible employees pay at the level of 1.000%. The payment base is 6,000 yuan, and they need to pay 1.200 yuan every month. However, the local social security subsidy base is 3,600 yuan and the subsidy ratio is 50%. Then the monthly subsidy amount is 360 yuan, and the flexible employees only need to bear the expenses of 840 yuan every month.

The latest national social security assistance policy was introduced in 2022 and implemented in 2022. Mainly for enterprise pension insurance, unemployment insurance and industrial injury insurance three rescue policies. However, medical insurance is halved and maternity insurance is not exempted. Therefore, medical insurance and maternity insurance still have to declare payment. At the same time, the social security relief policy also stipulates that the provident fund can be extended to the end of June at the longest, but it cannot be reduced. Reduce the social security burden of enterprises, and continue to implement the policy of reducing unemployment insurance and industrial injury insurance rates in stages in 2022. Old-age insurance will take effect automatically after the elderly within the legal scope completely or basically withdraw from social labor life. The so-called complete performance is the separation of workers and means of production. The so-called basic means that participation in production activities has not become the main content of social life. The legal age limit is a practical measure. The basic old-age insurance is based on the principle of ensuring the basic livelihood of retirees, and it is mandatory, mutually beneficial and social. Mandatory is embodied in the national legislation and law enforcement, and both enterprises and individuals must participate in it and must not violate it. Mutual assistance is reflected in the source of endowment insurance expenses, which are generally shared by the state, enterprises and individuals, and are used and paid uniformly, so that employees of enterprises can get living security and realize extensive social mutual assistance. Sociality is reflected in the great influence of endowment insurance, the large number of people enjoying it for a long time and the huge cost.

Legal basis:

People's Republic of China (PRC) social insurance law

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.