I started working in a company on September 1998, and the employee social endowment insurance came into effect on September 1998, but it was rejected by the company in the first half of 2009.

According to the Interim Regulations on the Collection and Payment of Social Insurance Premium, the collection scope of basic old-age insurance premium is: state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, and institutions and their employees that implement enterprise management.

If your unit belongs to the above provisions, safeguard labor rights and interests according to law. The Labor Inspection Brigade under the Labor and Social Security Bureau is the department in charge of this matter.

Please read the encyclopedia of social insurance laws and policies carefully in your busy schedule.

First, social insurance is a public welfare social security organized by the state.

1. The state develops social insurance undertakings, establishes a social insurance system, and provides assistance and compensation to workers in old age, illness, work injury, unemployment and maternity.

2. Employers and workers must participate in social insurance and pay social insurance premiums according to law.

Two. Types of social insurance:

1. Endowment insurance; 2. Unemployment insurance; 3. Medical insurance; 4. Work injury insurance; 5. Maternity insurance.

Third, the payment base:

Employers and workers jointly pay social insurance premiums, with 60%-300% (40%-300% in some places) of the average monthly salary of employees in the province where the workers are located as the payment base and paid monthly.

Four, the unit insurance types and payment ratio:

1. Endowment insurance premium: 20% paid by the unit and 8% paid by the individual.

2. Unemployment insurance premium: 2% paid by the unit and 1% paid by the individual.

3. Medical insurance premium: the unit pays 8% and the individual pays 2%.

4. Work-related injury insurance premium: paid by the unit, but not by the individual.

5. Maternity insurance premium: paid by the unit, but not by the individual.

Five, personal insurance coverage and payment ratio:

1. Old-age insurance premium: 20% paid by individuals.

2. Medical insurance premium: individuals pay 5%.

3. Maternity insurance premium: paid by individuals 1% (in some areas).

Six, two conditions for retirement to receive social security pension:

1. The actual payment period of the insured exceeds 10 years (1September 30th, 998 and before) or 15 years (1June, 998 10 and after);

2. The insured person reaches the statutory retirement age (if he reaches the retirement age and the payment period is insufficient, he will continue to pay until he pays in full).

Seven, the current statutory retirement age:

1. Female: the insured employee of the unit is 50 years old; The manager is 55 years old All insured individuals are 55 years old.

2. M: They are all 60 years old. Employees, managers, units and individuals all have insurance.

3. Workers who are engaged in underground, high altitude, high temperature, particularly heavy manual labor or other jobs harmful to health, and those who work in plateau areas above 3,500 meters above sea level and low-temperature places such as cold storage and production workshops below zero degrees Celsius all the year round can retire early (female employees are 45 years old and male employees are 55 years old).

4. Persons who are disabled due to illness or non-work-related disability and are completely incapacitated by the hospital and confirmed by the labor appraisal committee may retire early (hereinafter referred to as retirement due to illness, female 45 years old, male 50 years old).

Eight, three factors affecting the amount of pension:

1. Last year's salary in the province when I retired (the salary in the province is increasing every year, and the pension is also increasing year by year. Therefore, the later the retirement time, the more pensions);

2. My payment period (the longer the payment period, the more the pension);

3. Personal account amount (the more contributions, the more pensions).

Nine, medical insurance benefits are divided into three:

1. Medical insurance for general diseases:

A. outpatient expenses cannot be reimbursed.

B. About 80% of hospitalization expenses will be reimbursed, and about 20% will be borne by individuals. The maximum reimbursement amount is tens of thousands of yuan.

2. Chronic disease outpatient medical insurance: outpatient expenses can be reimbursed, and the reimbursement ratio is the same as above.

3. Hospitalization medical insurance for serious illness: the reimbursement ratio of hospitalization expenses is the same as above. The maximum reimbursement amount100000 yuan or more.

X. Other insurance benefits:

1. unemployment insurance benefits: Unemployed persons who have paid unemployment insurance premiums for 1 year, have suspended their employment due to their own wishes, have registered for unemployment and have job requirements can receive unemployment insurance benefits; While enjoying other unemployment insurance benefits.

2. Work-related injury insurance benefits: employees who suffer from accidents at work, including motor vehicle accidents on their way to and from work, enjoy medical treatment for work-related injuries; Disabled people enjoy disability treatment.

3. Maternity insurance benefits: the expenses of prenatal examination and production of female employees are reimbursed by social security in proportion; In the same period, the insured husband has a week's accompanying leave, and the holiday salary is paid by social security.

Xi。 Reservation, transfer, waiver and succession:

1. Reservation: Social insurance relationships caused by termination of insurance, joining the army, studying abroad, sentencing, etc. shall be reserved. After that, the insurance can be renewed, and the individual payment period and payment amount are calculated cumulatively.

2. Transfer: you can transfer to the unit in the same city or transfer to individual payment; Need to transfer, should be transferred to the local social security center for approval.

3. Surrender: Urban hukou cannot be surrendered. Migrant workers who have settled abroad and returned home can surrender their insurance.

4. Inheritance: If the insured person dies before retirement, the personal account amount of endowment insurance and medical insurance shall be inherited by the legal heir.

For details, please contact the labor security telephone number 12333.

From 20 10 10 1.

The Interim Measures for the Transfer and Continuation of Basic Old-age Insurance for Employees in Urban Enterprises was promulgated, stipulating that retirees can receive pensions in areas where they have been insured for over 10 years and in areas where their household registration is less than 10 years; The unit payment can be transferred across provinces12%; The forbidden measures were implemented from 20 10 to 1, aiming at effectively protecting the legitimate rights and interests of employees participating in the basic old-age insurance of urban enterprises, promoting the rational allocation and orderly flow of human resources, and ensuring the smooth transfer and continuation of the basic old-age insurance relationship when the insured persons are employed in cities and towns.

These Measures shall apply to all persons who participate in the basic old-age insurance for employees of urban enterprises, including migrant workers. Those who have received basic old-age insurance benefits according to state regulations will no longer transfer the basic old-age insurance relationship.

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