How to reform the endowment insurance for substitute teachers in the Central Committee of the Communist Party of China 20 16?

The endowment insurance for substitute teachers can be transferred or paid by flexible employees themselves.

Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.

Endowment insurance is an important part of social security system and one of the five most important social insurances. The purpose of endowment insurance is to protect the basic needs of the elderly and provide them with a stable and reliable source of life.

Mode of participation: Based on the principle of voluntariness and referring to the basic old-age insurance for urban flexible employees, it will be included in the basic old-age insurance for urban enterprise employees.

First, pay the basic pension

From 1 99665438+1October1,the old-age insurance premium is paid back, accounting for 20%, of which: from199665438+1October to the time of engaging in education before dismissal, the local financial burden/kloc- All the expenses that need to be paid after being dismissed shall be borne by the individual.

The supplementary base is the average salary of employees in the city (state) where the insured person is located last year.

The time spent in education before1995 65438+February 3 1 is not regarded as the payment period.

Second, personal accounts.

Starting from 1996 65438+ 10 1, a personal account for endowment insurance will be established for the insured according to 8% of the payment base.

Third, pension insurance benefits.

The insured person can enjoy the basic pension on a monthly basis if he meets the requirements of receiving the basic pension on a monthly basis and has paid for 15 years.

The age conditions for urban flexible employees to receive the basic pension on a monthly basis are: men over 60 years old and women over 55 years old.

If the insured male is over 60 years old and the female is over 55 years old, and the accumulated payment is still less than 15 years, it may be allowed to continue to pay to 15, and the basic pension will be15 from the next month after payment; If the insured person is over 60 years old for men and 55 years old for women, and the payment period is less than 15 years, the payment can be made in one lump sum to 15 years, and the basic pension will be calculated from the next month when the supplementary funds are in place.

Those who receive the basic pension on a monthly basis will participate in the adjustment of the basic pension benefits for enterprise retirees in the future.

If the insured fails to receive the basic pension on a monthly basis and dies, the accumulated amount in his personal account can be paid to his legal heir or designated beneficiary at one time, and the pension insurance relationship will be terminated at the same time.

If the insured person dies during the period of receiving the basic pension on a monthly basis, funeral subsidy and testamentary pension will be given respectively according to the average salary of local employees in the previous year of 3 months and 10 months at the time of death, and the balance of his personal account will be paid to his legal heir or designated beneficiary in one lump sum, and he will no longer enjoy other old-age insurance benefits.

Fourth, the basic pension plan

If the insured person meets the conditions for receiving the basic pension on a monthly basis, the basic pension will be calculated and paid according to the following formula after being examined and approved by the local human resources and social security department:

Monthly basic pension = basic pension+personal account pension

Basic pension = (the average monthly salary of employees in the city and state where I retired last year+my indexed monthly average payment salary) ÷2× payment period × 1%

Personal account pension = personal account savings ÷ months (the number of months is implemented according to state regulations).

Extended data:

New Deal

Different regions have different policies, but the endowment insurance for substitute teachers has a general direction. The following introduces the new policy of endowment insurance for substitute teachers.

Insurance method

Based on the principle of voluntary participation, I will refer to the basic old-age insurance for urban flexible employees and include it in the basic old-age insurance for urban enterprise employees.

Pay a basic pension

From 1 99665438+1October1,the old-age insurance premium is paid back, accounting for 20%, of which: from199665438+1October to the time of engaging in education before dismissal, the local financial burden/kloc- All the expenses that need to be paid after being dismissed shall be borne by the individual.

The supplementary base is the average salary of employees in the city (state) where the insured person is located last year.

The time spent in education before1995 65438+February 3 1 is not regarded as the payment period.

(2) Personal account

Starting from 1996 65438+ 10 1, a personal account for endowment insurance will be established for the insured according to 8% of the payment base.

(iii) Endowment insurance benefits

The insured person can enjoy the basic pension on a monthly basis if he meets the requirements of receiving the basic pension on a monthly basis and has paid for 15 years.

The age conditions for urban flexible employees to receive the basic pension on a monthly basis are: men over 60 years old and women over 55 years old.

If the insured male is over 60 years old and the female is over 55 years old, and the accumulated payment is still less than 15 years, it may be allowed to continue to pay to 15, and the basic pension will be15 from the next month after payment; If the insured person is over 60 years old for men and 55 years old for women, and the payment period is less than 15 years, the payment can be made in one lump sum to 15 years, and the basic pension will be calculated from the next month when the supplementary funds are in place.

Those who receive the basic pension on a monthly basis will participate in the adjustment of the basic pension benefits for enterprise retirees in the future.

If the insured fails to receive the basic pension on a monthly basis and dies, the accumulated amount in his personal account can be paid to his legal heir or designated beneficiary at one time, and the pension insurance relationship will be terminated at the same time.

If the insured person dies during the period of receiving the basic pension on a monthly basis, funeral subsidy and testamentary pension will be given respectively according to the average salary of local employees in the previous year of 3 months and 10 months at the time of death, and the balance of his personal account will be paid to his legal heir or designated beneficiary in one lump sum, and he will no longer enjoy other old-age insurance benefits.

(4) Basic pension plan

If the insured person meets the conditions for receiving the basic pension on a monthly basis, the basic pension will be calculated and paid according to the following formula after being examined and approved by the local human resources and social security department:

Monthly basic pension = basic pension+personal account pension

Basic pension = (the average monthly salary of employees in the city and state where I retired last year+my indexed monthly average payment salary) ÷2× payment period × 1%

Personal account pension = personal account savings ÷ months (the number of months is implemented according to state regulations).

relevant issues

(a) dismissal of private teachers who are unwilling to participate in the basic old-age insurance policy and meet the minimum living guarantee conditions, and will be included in the minimum living guarantee for urban and rural residents or participate in the new rural social endowment insurance in the future.

(II) In order to reduce the burden of individual contributions, the dismissed private teachers who pay the required expenses for insurance shall be given financial subsidies, with the financial burden of RMB 1 10,000 yuan per person, of which 60% is in the province and 40% is in the city (state, county). Provincial financial subsidies will be in place in three years.

(3) If the financial subsidy involves a large number of people and the amount of subsidy funds is large, and it is indeed difficult for the unit to repay in one lump sum, it can be paid in installments in consultation with the local social security agency.

(4) Private teachers who have been dismissed by the original unit are re-employed, and shall participate in social insurance together with other employees of the new employer. The endowment insurance for private teachers before dismissal shall be paid according to the above methods, and the payment period and personal account established shall be combined with the new employer's insurance payment period and personal account.

The government can give appropriate subsidies to the original private teachers and substitutes who meet the following conditions: 1 986 65438+February1private teachers who were previously employed in public primary and secondary schools or approved by the education administrative department at or above the county level;

Substitute teachers employed in public primary and secondary schools or approved by the education administrative department at or above the county level before July 2003 1 1.

With regard to the standard of financial subsidies and the sharing of responsibilities, according to the accumulated years as private teachers or substitute teachers (less than one year is counted as one year), the government where the household registration is located will give subsidies according to their working years 1-5 years, 6- 10 years,1-65448 years.

Subsidies are given to 1.200 yuan and 1.500 yuan for each year of work. The subsidy funds shall be shared by the finance of the autonomous region at the corresponding level and the finance of the districts, cities and counties in a ratio of 6: 4. For substitute teachers who are still working in teaching posts, the payment of the teaching unit shall be partially solved by the local government.

Dismissal or retirement of the original private teachers and substitute teachers, their original teaching place and domicile do not belong to the same county-level administrative region, and their participation in the basic old-age insurance payment subsidy funds shall be arranged by the original teaching place government as a whole.

The expiration date of endowment insurance for substitute teachers is 20111231,after which the formalities of endowment insurance will no longer be accepted. Therefore, I hope that the majority of substitute teachers can handle it in time and safeguard their legitimate rights and interests.

References:

Baidu encyclopedia-endowment insurance for substitute teachers