Where is the money of individual endowment insurance withheld by the bank every month?

First, the monthly investment of personal account funds mainly includes two parts:

1. Personal payment part of medical insurance;

2 according to national laws and regulations and according to the age included in the personal account amount. The five insurances of social insurance are jointly paid by enterprises and individuals, among which the three insurances of pension, unemployment and medical care need individual parts. Part of the expenses paid by individuals entered the personal account of endowment insurance, and part of them were returned to individuals in the form of medical insurance passbook.

On the other hand, employees can apply for unemployment benefits by entering the national pooling fund after unemployment.

Two, update the old-age insurance, should be based on their own conditions in two ways to go through the formalities:

1. If the social insurance is transferred across the overall planning area, I must bring my ID card and the original and photocopy of the endowment insurance manual, fill out the social insurance transfer application form at the social security center, and then go to the transfer window to handle the transfer.

2. If you resign from a unit in a co-ordination area or the same city, the unit only needs to go through the formalities of withdrawing insurance and then go to the new unit to go through the formalities of employment insurance, and the social insurance relationship can be automatically transferred to the new unit.

1. Donation insurance can be placed in the bank. There is no need to explain to the bank staff that this fund pays for donation insurance and will be deducted from the bound bank card.

2. Paying endowment insurance in the bank has two meanings. One is to sign a pension withholding agreement with the bank. You need to bring your ID card and bank card. The second is my money in the bank.

Individuals pay medical insurance, and the amount of medical insurance paid is obtained by multiplying the payment base by the corresponding coefficient, so this part mainly depends on the level of medical insurance and wages.

The general calculation method of the usual payment benchmark is as follows:

(1) If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year will be used as the payment base;

(2) If the wage income of employees is lower than 60% of the average wage of local employees in the previous year, 60% of the average wage of local employees in the previous year shall be the payment base;

(3) If the employee's salary is between 300% and 60%, it shall be truthfully reported. When the wage income of employees cannot be determined, the payment base shall be determined according to the average wage of local employees in the previous year published by the local labor administrative department.

3. Regarding extraction, let's take a look at what the law says:

Article 14 of the Social Insurance Law stipulates that individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Article 17 If an individual participates in the basic old-age insurance due to illness or non-work, his survivors can receive funeral subsidies and pensions.