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How to pay Shenyang endowment insurance?
1. How to pay the old-age insurance in Shenyang?
According to Article 16 of the Social Insurance Law: "Individuals who have participated in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council. "Directly to the social security institutions.
(1) Scope of payment:
This time, those who enjoy the preferential policy of paying basic old-age insurance premiums include uninsured enterprises and personnel, as well as enterprises and personnel who have interrupted payment. It does not include enterprises and personnel who have approved the payment base according to regulations but have historical arrears. For the historical arrears of the approved payment base, the late payment fee is still determined by the local tax department according to the regulations.
1, about the payment of uninsured units and personnel.
After the implementation of individual payment, the payment base is not approved, and the unpaid personnel are not insured; Units that fail to register with social insurance agencies and fail to pay endowment insurance premiums are uninsured units.
2. About interrupting the payment of the payer.
(1) Enterprises and personnel who have approved the payment base and paid fees after implementing the individual payment system, and then stopped reporting the payment base and payment for various reasons.
(II) Units that are required by the state and province to participate in the old-age insurance for enterprise employees shall, in accordance with the provisions of the state and province, participate in the basic old-age insurance for all personnel who have established labor relations with the unit (including fixed employees under the age of 60, women under the age of 55, labor contract personnel and former temporary workers after the implementation of the temporary worker payment system). If some employees fail to pay the basic old-age insurance premium due to the employer's reasons, the employer may submit a written application to the labor and social security department, and submit proof of labor relations with the insured during the application period, as well as proof of wage income. After confirmation, enterprises and individual employees shall pay the basic old-age insurance premium from the month when enterprises and individuals jointly pay. If the old-age insurance premium is paid voluntarily before the end of June 5438 and February 2009, it can be paid according to preferential policies. The original long-term sick leave of more than 6 months and the sentence of the sentenced person are not allowed to make up the rest.
(3) If the company is not insured as a whole, it shall be insured for all employees and pay the basic old-age insurance premium from the date of registration and establishment of the enterprise. If the old-age insurance premium is paid voluntarily before the end of June 5438 and February 2009, it can be paid according to preferential policies. However, the payment time is not earlier than 1995 1 month (township enterprises began to pay the fee as early as 2003 1 month), and if there is a deemed payment period, the payment shall be made according to the earliest payment time stipulated in the preceding article (that is, after the enterprise and individual implement the payment system, the payment time shall be paid in full, and the deemed payment can be calculated only after the individual account has been established for more than 5 years).
(4) The uninsured units as a whole include all kinds of uninsured enterprises and employees within the administrative area of our province.
All uninsured units and employees pay back. After the unit pays the full amount, the retirees who bear the old-age insurance expenses from the original unit will be included in the basic old-age insurance as a whole from the next month after all the supplementary funds are received.
Jinan government issued a notice to issue a new policy of one-time payment of old-age insurance, saying that eligible retirees from urban uninsured collective enterprises can be included in the basic old-age insurance for employees of urban enterprises in this city after paying the basic old-age insurance premium 15 at one time, and can receive a monthly pension.
According to the notice, according to the relevant regulations of our province, anyone who has Jinan urban household registration before the end of 20 10 and has established labor relations or formed factual labor relations with Jinan urban collective enterprises before 1996 1 is in line with the implementation scope of document No.64 of Lu Zhengban.
(2), payment and treatment plan.
You can get a monthly pension if you make it up at one time.
Eligible personnel submit a written application and pay the basic old-age insurance premium in one lump sum according to the payment standard stipulated by Shandong Province 15. The basic pension will be paid monthly from the month after all expenses are paid.
The unified standards for the payment of old-age insurance premiums and the calculation and payment of pensions in the whole province are divided into three grades, which are chosen by those who pay back: the monthly pension for those who pay back according to the first grade is 60 1 yuan; According to the second standard, the monthly pension is 492 yuan; If the loan is repaid according to the third standard, the monthly pension is 383 yuan. When determining the supplementary payment amount, the supplementary payment amount will be reduced by 654.38+0.5 million yuan for every 654.38+0 year increase for those over 665.438+0 years, with a maximum reduction of 654.38+0.5 million yuan (see the right table for specific supplementary payment standard and monthly pension level).
In the future, when the state adjusts the basic pension for enterprise retirees, the above-mentioned personnel will be treated as a special group in the province, and measures for adjusting pensions will be studied and formulated separately.
(3), cost increase
In principle, it is borne by individuals.
One-time payment of the required expenses shall be borne by individuals in principle, and qualified units are encouraged to give appropriate subsidies. If the original unit no longer exists or does not have the subsidy conditions, all the expenses required for one-time payment shall be borne by the individual.
Those who pay back the basic old-age insurance shall be subject to territorial management and incorporated into the social pooling of urban old-age insurance.
(4) Pension collection
The basic pension is paid from the personal account first.
1, for the identification of birth time, our province implements the method of combining my original file with my resident ID card. If the original file is missing or unclear, the resident identity card shall prevail.
2. The identification of work experience focuses on whether to establish labor relations with urban employers or form factual labor relations. In principle, my original file records shall prevail: if my file is missing or unclear, I should provide relevant supporting materials, which can only be recognized after being audited by social insurance agencies at or above the county (city, district) and performing publicity procedures.
3. One-time repayment of the old-age insurance premium paid by the included personnel shall be included in the social pooling fund of basic old-age insurance for enterprise employees according to the standard of10.5 million yuan per person: the social insurance agency shall set up an individual payment account for the rest. The basic pension is paid from the individual payment account first, and after the payment is completed, the overall fund will continue to pay according to the original standard.
4. For those who died during the period of receiving the basic pension, if there is still a balance in the individual payment account, the remaining part will be returned to the designated beneficiary or legal heir, and their survivors can receive funeral grants and pensions in accordance with the provisions of the state and the province.
5. Those who have enjoyed regular subsidies for survivors' living difficulties and social endowment insurance for urban residents can enjoy the basic pension according to their own wishes or according to the implementation opinions. Regular survivors' living difficulties subsidies, social endowment insurance for urban residents and basic pensions shall not be enjoyed at the same time.
After the payment is included in the one-time payment, the continuous length of service and working hours are not recognized, and it is not regarded as the payment period.
To sum up the answer to "How to make up the old-age insurance in Shenyang", in general, it is a one-time payment by individuals, or the original unit bears part of the payment. Only by paying enough pension and payment period can you enjoy retirement pension insurance, so you can pay off all the remaining expenses at one time when you repay.
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