Luzhou’s new pension insurance policy is released

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2017 New Employee Pension Insurance Policy

1. How do individual industrial and commercial households and flexible employment personnel participate in pension insurance and pay pension insurance premiums?

Answer: For urban areas Individual industrial and commercial households and flexible employment personnel who are not employed in enterprises or institutions can participate in the basic pension insurance for urban employees at various personnel agencies as individuals. Document No. 88 of Hebei Zhenghan [2014] stipulates that for individual industrial and commercial households with employees, their employers and employees shall use their average monthly salary income in the previous year as the payment base, and pay basic pension insurance premiums at 8%, and the unit portion shall be paid at 20%. After individual industrial and commercial households and flexible employment personnel reach the prescribed age for receiving basic pensions, their benefits will be calculated and paid according to the basic pension calculation and payment methods for enterprise employees. According to the regulations of Hebei Renshefa [2011] No. 72, starting from October 1, 2011, individual industrial and commercial households and flexible employment personnel can apply to choose based on their own income status, based on the average salary of urban non-private employees in the province in the previous year. 40 to 300 is the payment base, and the basic pension insurance premium is paid at a ratio of 20. After the adjustment of the payment base, the principle of low payment and low treatment and high payment and high treatment will still be implemented. Therefore, when individuals choose a payment base, they should choose a higher payment base as much as possible based on their affordability, so that they can receive a higher pension when they reach the pension age.

2. What conditions must the employer and its employees meet to make up for the pension insurance premiums during the period when the employer was not insured and the payment was interrupted before June 30, 2011?

Answer (1) If the employer as a whole is not insured, all employees shall be insured from the date of registration of the unit. If it is necessary to make up for the endowment insurance premiums for employees during their time in the unit, the start and end time of the supplementary payment shall not be earlier than the start time of individual payment for former employees of enterprises of different natures stipulated by our province (October 1986 for employees under labor contract system; 1990 for former temporary employees). March; January 1993 for former permanent workers; January 2003 for township enterprise employees).

(2) If the employer fails to apply for insurance for employees in a timely manner and the insured is not insured, the employer or individual shall submit a written application for supplementary payment and submit proof of the existence of a labor relationship with the insured during the period of application for supplementary payment. As well as salary income vouchers and other materials, after confirmation, the pension insurance premiums during the period of employment in the unit will be paid starting from the month when the enterprise and individual are required to pay the same premium.

(3) If the employee interrupts the payment after participating in the insurance, if the employer or the individual applies, the individual payment system can be implemented according to the starting time of the individual payment system as a former employee of the enterprise of different natures stipulated in our province, and the pension for the period of time in the employer can be paid back insurance. The original fixed employees of the original industry coordinating enterprise shall pay back the pension insurance premiums according to the starting time of the individual payment system in the original industry.

3. When a person who interrupts payment makes a supplementary payment, how to determine the base and proportion of the supplementary payment?

Answer: (1) The base and proportion of the employer’s supplementary payment during the period of supplementary payment. The back-payment of pension insurance premiums before the end of 1989 will be based on the average salary of employees in the province (on the job) in 1990. For back-payment of pension insurance premiums from 1990 to before the establishment of personal accounts, the back-payment shall be based on the average salary of (on-the-job) employees in the province in the corresponding year. If the pension insurance premium after establishing a personal account can provide the original employee salary income, the supplementary payment shall be based on the employee's actual salary income, but it shall not be lower than the average salary of the province's (on-the-job) employees in the previous year of the supplement year. If it exceeds 300; if you are unable to provide salary income for the current year, you can choose to make a supplementary payment based on the average salary of 100 or 60 for the province's (on-the-job) employees that year. In 1995 and before, the unit payment ratio was 18, and the individual payment ratio was 3; after 1996, the payment will be based on the actual payment ratio of that year.

(2) If the employee reaches or exceeds the retirement age on June 30, 2011, the base amount and payment proportion will be paid according to the payment method for flexible employment personnel from reaching the retirement age.

From January 1993 to 1995, the base amount of supplementary payment is 100, which is the average salary of employees in the province (on the job) in the corresponding year. In 1996 and subsequent years, you can choose to make the supplement based on 100 or 60 of the average salary of employees in the province (on the job). If you make a one-time payment and enjoy the pension insurance benefits for 15 years, the payment base shall be 100 or 60, the average salary of the employees in the province (on duty) in the previous year when the supplementary payment was made. The payment ratio is 20.

4. How to collect late payment fees and interest when employees make up payment for pension insurance?

Answer: (1) The payment base has been approved, and the arrears formed before June 30, 2011 , when making additional payments, a late payment fee of 0.5‰ will be charged on a daily basis from the date of arrears.

(2) If the unit is not insured as a whole, not all employees are insured, or individual employees stop paying contributions, a late fee will be charged for the part paid by the unit before June 30, 2011 (12 parts for flexible employment personnel). Among them: the supplementary payment of pension insurance premiums from October 1986 to December 1995 will be charged a daily increase of 0.8‰, the supplementary payment of pension insurance premiums from January 1996 to December 2000 will be charged a daily increase of 0.6‰, and the supplementary payment of pension insurance premiums in 2001 will be charged an additional 0.8‰. From January to June 2011, the pension insurance premium will be increased by 0.5‰ on a daily basis.

If you pay the pension insurance premium before June 30, 2011 before June 30, 2013, the late payment fee from July 1, 2011 to June 30, 2013 will be waived. If you pay the pension insurance premium before June 30, 2011 after July 1, 2013, a late payment fee of 0.5‰ will be added on a daily basis from July 1, 2011.

(3) If the unit is not insured as a whole, not all employees are insured, or individual employees stop paying, interest will be charged on the additional personal payment. The interest paid before the establishment of the personal account is calculated based on the average interest rate of 4.922 published on the cumulative deposit amount of the personal account published in the calendar year from January 1996 to 2011. After the personal account is established, the interest rate will be calculated based on the accumulated deposit amount published in the personal account over the past years.

5. How to charge late payment fees if the insured unit fails to pay pension insurance premiums in full and on time?

Answer: Article 86 of the "Social Insurance Law of the People's Republic of China" It stipulates that if an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay within a time limit or make up the amount, and a late payment fee of 0.05% will be charged on a daily basis starting from the date of default.

6. What are the benefits for those who participate in the basic pension insurance for urban employees?

Answer: According to the "Social Insurance Law", individuals participating in the basic pension insurance must reach the statutory retirement age. Those who have made cumulative contributions for fifteen years can receive a basic pension on a monthly basis. If an individual participating in the basic pension insurance dies due to illness or non-work-related injuries, his or her surviving family members may receive funeral benefits and survivors’ pensions; if an individual who has completely lost the ability to work due to illness or non-work-related disability before reaching the legal retirement age, may Receive disability benefits. At present, the disability allowance has not yet been implemented because supporting implementation details and relevant regulatory documents have not yet been issued.

The latest policy for rural pension insurance in 2017

The payment amount of rural pension insurance is divided into 13 levels from 100 yuan to 4,000 yuan

1. Select the payment level of 100 yuan , a subsidy of 45 yuan per person per year;

2. Choose a payment grade of 200 yuan, and a subsidy of 50 yuan per person per year;

3. Choose a payment grade of 300 yuan, and a subsidy of 55 yuan per person per year Yuan;

4. Choose a payment grade of 400 yuan, and receive an annual subsidy of 60 yuan per person;

5. Choose a payment grade of 500 yuan, and receive an annual subsidy of 70 yuan per person;

6. If you choose the payment grade of 700 yuan, you will receive an annual subsidy of 75 yuan per person;

7. If you choose any of the payment grades of 1,000 yuan, 1,500 yuan, or 2,000 yuan, you will receive an annual subsidy of 85 yuan per person. ;

8. Those who choose any of the payment levels of 2,500 yuan, 3,000 yuan, 3,500 yuan and 4,000 yuan will receive an annual subsidy of 90 yuan per person.

The rural pension insurance fund consists of individual contributions, collective subsidies, and government subsidies.

1. Individual payment

Persons participating in the pension insurance for urban and rural residents shall pay pension insurance premiums in accordance with regulations. The payment standards are set at 13 levels: 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan, and 3000 yuan per year. Insured persons can choose their payment level independently, and the more they pay, the more they will get.

2. Collective Subsidy

Village collective economic organizations that meet the conditions shall provide subsidies to insured persons for their contributions, and the subsidy standards shall be democratically determined by the village committee at a village meeting. Encourage qualified communities to include collective subsidies in the scope of fund-raising for community public welfare undertakings. Encourage other social and economic organizations, public charity organizations, and individuals to provide funding for insured persons to pay premiums. The amount of subsidies and subsidies shall not exceed the currently set maximum payment level standards.

3. Government subsidies

1. The government will fully pay the basic pension of the social pension insurance for urban and rural residents to the insured persons who meet the conditions for receiving benefits. The central government provides a full subsidy based on the determined basic pension standard, which is currently 70 yuan per person per month.

2. The provincial, municipal and county people’s governments should provide subsidies for the insured persons’ premiums. The minimum annual payment subsidy standard for each person is: 30 yuan for those who pay 100 yuan, 35 yuan for those who pay 200 yuan, 40 yuan for those who pay 300 yuan, 50 yuan for those who pay 400 yuan, and 60 yuan for those who pay 500 yuan and above.

3. For severely disabled people (level 2 or above), couples whose only child has died or been disabled (level 3 or above) and have not had any more children (the woman is over 49 years old), and people with complications from birth control surgery (level 3 or above) For groups with difficulty in paying premiums, such as level 1 and above, the county people's government should, based on local conditions, determine standards within the range of payment levels to pay pension insurance premiums for them, and provide subsidies according to the level of payment of pension insurance premiums. Parents of only children who have received honorary certificates for parents of only children and parents of two girls in rural areas who have implemented sterilization measures are required to participate in the insurance and pay premiums, and various localities can appropriately increase the subsidy standards.