Answers to frequently asked questions about social insurance

Answers to frequently asked questions about social insurance

Can I get a pension only by paying 14 pension insurance? Can individuals benefit from the endowment insurance premium paid by the company? I still have eight years to retire, and now I am allowed to transfer the old-age insurance across provinces. Can I retire after working in Beijing for 8 years and enjoy Beijing's high pension base?

The following are eight common questions that people are generally concerned about, and we ask professionals to answer them.

Q: Can I get a pension only by paying 14 old-age insurance?

A: No, before reaching the statutory retirement age, you need to pay at least 15 years to qualify for a pension. If the accumulated payment period at retirement is less than 15 years, the money in the personal account will be liquidated and returned to the individual at one time. This money is only a part paid by individuals, plus a small part paid by the unit. Or choose to pay the fees payable for less than one year in one lump sum to receive a pension.

Q: Can individuals benefit from the endowment insurance premium paid by the company?

A: The money paid by individuals is included in the personal account, and most of the money paid by the unit is included in the overall fund account. The amount of retirement pension is mainly directly related to the personal account. After the part paid by the unit is collected, it will be distributed to all pensioners relatively evenly.

Q: I pay twice as much old-age insurance as others, and the payment period is the same. Can the pension be twice that of others?

A: There is no multiplication relationship between the monthly payment and the pension amount. Pension consists of basic pension and personal account transfer payment. Other things being equal, individual accounts can be considered as multiples, while the basic pension is passed? Index? It is linked to the individual payment base and the average wage of the local society, which has narrowed. For example, suppose a person's monthly salary is 2,500 yuan (for convenience, suppose the average wage in the local society is also 2,500 yuan) and a person's monthly salary is 5,000 yuan. Both of them will pay for 40 years according to this standard, and the cost is the same. Suppose that the annual growth rate of personal salary and local social average salary is 5%, and the personal account pension bears interest at 3% of 1 year fixed deposit, and the calculated number of months is 139. Their basic pension is 7040 yuan and 10560 yuan respectively, and their personal account pension is 326 1.5 yuan and 6560 yuan respectively.

Q: I still have eight years to retire, and now I am allowed to transfer pension insurance across provinces. Can I retire after working in Beijing for eight years and enjoy a higher pension base in Beijing?

A: No, although the endowment insurance paid by multiple cities can be merged into one city. However, due to different basic pensions in different places, the new policy limits the transfer and continuation years of old-age insurance: men over 50 years old and women over 40 years old are employed across regions, and only temporary old-age insurance payment accounts are established in newly insured places. After retirement, the money in the temporary account will be transferred back to the original insured place. Therefore, you can only apply for retirement locally if you have paid 10 years in the newly insured place.

Q: When you leave a city, you withdraw the money from your personal pension insurance account. Can the payment period be accumulated?

A: No, if you leave a city and take money out of your account, that is, liquidate it, the account will be cancelled, and the accumulated payment period during this period will also be cleared, which is not included in the accumulated payment period, so it is not worthwhile to withdraw money.

Q: I paid medical insurance for many years before and was laid off 1 month ago. Can I still enjoy medical insurance if I am sick now?

Different from the old-age insurance accumulation system, China implements basic medical insurance? Pay as you go? System, is that? Now use money to see a doctor? . No matter how many years the insured person has paid continuously, once he stops paying, he will no longer enjoy medical insurance benefits. If the unemployed will not enjoy the basic medical insurance benefits, if the personal medical account has a balance, it can be used for outpatient and emergency treatment and designated medical insurance pharmacies to buy medicines until the money is used up.

Q: I stopped paying medical insurance for four months because I changed my job. Just changed to a new unit and has re-entered the medical insurance. Can I enjoy medical insurance when I am sick?

A: Not in most areas. At present, regulations vary from place to place. For example, in Beijing, regardless of whether the medical insurance payment is interrupted or not, as long as the payment is re-paid, the monthly payment will take effect next month. In most areas, if medical insurance payment is interrupted, there will be a six-month observation period for re-enrollment, during which major diseases cannot be reimbursed.

Q: Can individuals directly benefit from the medical insurance expenses paid by the unit?

Answer: No, the basic medical insurance premium paid by individual employees is included in my personal account, and most of the insurance premium paid by the unit goes into the overall fund.

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