What is the minimum payment for endowment insurance?

1. Payment standard of old-age insurance for urban employees: the basic old-age insurance premium for enterprise employees shall be paid by both enterprises and employees, and the basic old-age insurance premium for individual insured personnel shall be paid by myself.

(a) enterprises to pay the basic old-age insurance, according to the total wages of all employees as the payment base, the payment ratio of 20%;

(two) individual workers to pay the basic old-age insurance, according to my salary last month as the payment base, the payment ratio of 8%. The wages of employees themselves are determined according to the items listed in the statistics of total wages stipulated by the national statistical department.

The part where employees' salary last month exceeded 300% of the average monthly salary of employees in the previous year is not included in the payment base. If the salary of employees last month is lower than 60% of the average monthly salary of employees in the previous year, the payment base shall be calculated at 60%.

Payment standard of new rural social endowment insurance: As the payment of new rural social endowment insurance adopts the principle of independent choice of payment, government subsidies and individual overpayment, the convenient inquiry of payment standard should include payment grade, government or collective subsidies of various grades, age of enrollment and other factors. The new rural endowment insurance fund consists of individual payment, collective subsidies and government subsidies.

In terms of individual payment, rural residents who participate in the new rural insurance should pay the old-age insurance premium according to the regulations. At present, the payment standard is set at 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500- 1200 yuan and 12 files, and various localities can add payment grades according to actual conditions. Insured people choose their own grades to pay, and pay more.

The state adjusts the payment grade according to the growth of per capita net income of rural residents. In accordance with national standards, specifically in accordance with the provisions of the counties and cities. In terms of collective subsidies, conditional village collectives shall give subsidies to the insured, and the subsidy standards shall be determined by the villagers' committee holding a villagers' meeting. Encourage other economic organizations, social welfare organizations and individuals to provide financial support for the insured.

2. There are two ways to deal with social security:

(-) To pay in the name of an individual, it is necessary to apply to the social security bureau where the household registration is located. Procedures include: my ID card, two recent bareheaded one-inch photos, insurance premium, application form, etc. And can only apply for pension and medical insurance.

How much to pay is calculated according to the local social wage of the previous year, which is different every year. For example, the average salary of a prefecture-level city is 20,000, then the pension insurance payment is 20,000 * 20% = about 4,000/year, and the medical care is 20,000 *10% = about 2,000/year.

In addition, it is also stipulated that the lowest grade and the highest grade are not less than 60% of the average monthly salary of social workers, and the highest grade is 300% of the average monthly salary of employees. Generally, the lowest grades are mostly.

In addition, the minimum payment period of old-age insurance is 180 months, that is, 15 years, and medical insurance needs to pay at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as you renew your fees, you can usually).

(two) or to buy social security units. In addition, if you apply for social security, it is best to pay it by the unit, because the unit will bear a large part of the expenses for us, thus reducing the pressure of paying.

Extended data;

The insurance contract of individual pension insurance bears the following insurance responsibilities to the insured: during the pension period, the insured can get a fixed annuity of 10 years. If the insured dies during the fixed annuity period, the beneficiary (the legal heir if no beneficiary is specified) can continue to receive 10 years, and the insurance liability is terminated;

If the insured is still alive after receiving the 10 fixed annuity, he can continue to receive the pension until his death, and the insurance liability is terminated; If the insured dies within the insurance payment period, he can receive the death surrender money according to the regulations, and the insurance liability is terminated.

Individual endowment insurance can be paid monthly, quarterly and annually, or it can be paid in one lump sum when insured. The monthly insurance premium of each insured shall not be lower than that of 20 yuan, and the annual insurance premium shall not be lower than that of 200 yuan.

The age of starting to receive pensions is 50, 55, 60 and 65 respectively, and the insured can choose the grade that they think is most suitable. The insured has paid the insurance premium for two years. If it is urgent, he can apply for a loan from the insurance company with the certificate.

The loan amount shall not exceed 70% of the cash value of the insurance policy and the loan period shall not exceed 7 months. The principal and interest of the loan shall be repaid at the maturity of the loan. If the loan is not repaid within the time limit, the insurance effect will be terminated when the loan principal and interest reach the surrender amount.

Individual endowment insurance has played an indispensable role in establishing and perfecting China's multi-level and multi-form social endowment security system.

Acceptance scope

Social Security Bureau: unemployed workers in urban enterprises (including bankrupt, dissolved and closed enterprises) who have not participated in the basic old-age insurance; Individual industrial and commercial households and employees with local hukou (including rural hukou); Individual transport owners and their employees with local hukou (including rural hukou) and operation license;

Workers who terminate their labor (employment) relationship with government agencies and institutions; Part-time staff; All kinds of flexible employees with urban hukou in this city; The insured whose insured unit is bankrupt, dissolved or closed; Unemployed demobilized soldiers.

pay

(1) Standards for enterprises and individuals to pay endowment insurance premiums:

Based on my average salary last year, enterprises pay 20% and individuals pay 8%.

Payment base: (actually, it is the average monthly salary)

If the average monthly salary of the insured is lower than the minimum wage standard of employees in this Municipality in the previous year, the basic old-age insurance premium will be paid based on the minimum wage standard of employees in this Municipality in the previous year.

The part where the average monthly salary of the insured exceeds 300% of the average monthly salary of employees in this Municipality in the previous year will not pay the basic old-age insurance premium, nor will it be used as the base for calculating the basic old-age pension.

If the insured person is unable to determine the average monthly salary of the previous year, the basic old-age insurance premium shall be paid according to the average monthly salary of the employees in this Municipality in the previous year. (unemployed new recruits and re-employed personnel shall pay the old-age insurance premium according to the prescribed proportion with their first month's salary in the enterprise as the salary base of the year; The salary base of the second year is determined by the average monthly salary of the actual salary of the previous year)

individual account

Implement the combination of social pooling and individual accounts. Employees pay the old-age insurance premium at 8% of the payment base, and enterprises transfer it to personal accounts at 3% of the payment base, totaling 1 1%. However, starting from 1 month in 2006, the state stipulated that enterprises would no longer transfer 3% to personal accounts, and personal accounts were completely part of individual contributions.

For employees participating in endowment insurance, the amount of personal account storage is only used for employees' personal pension, and the amount of personal account storage may not be withdrawn in advance. The individual contribution part of the individual account balance and its interest can be inherited. The rest are included in endowment insurance;

situation

(1) retirees who have reached the retirement age stipulated by the state

(2) Engaged in underground, high altitude, high temperature, particularly heavy physical labor or other jobs harmful to health,

Men over 55 years old, women over 45 years old;

(3) The male is over 50 years old and the female is over 45 years old, which is confirmed as complete loss by the labor appraisal committee of the city, district and county.

Able to work.

(4) For those who took part in the work before the implementation of the Regulations, the payment period (including deemed payment period) shall be 10 years;

After the implementation of the Regulations, the payment period (including deemed payment period) will be 15 years.

Local policies

According to the regulations of Beijing Municipal People's Government, those who have accumulated payment years of 15 years will receive a basic pension on a monthly basis after retirement.

Individuals whose payment period is less than 15 years (except those who change jobs from rural areas) will not enjoy basic pension benefits on a monthly basis after retirement, and the amount stored in their personal accounts will be paid to them in one lump sum, and at the same time, they will be given one-time pension compensation.

Basic pension = basic pension (20% of the average monthly salary of employees in this city last year)+personal account pension (1120 of the amount stored in my account).

boost the economic development

The pension insurance system designed by many countries links fairness with efficiency, especially the partial accumulation and complete accumulation pension fund raising model. The amount of pension received by workers after retirement is directly related to their wage income and payment during their on-the-job work, which can undoubtedly stimulate workers to work actively during their on-the-job work and improve efficiency.

In addition, because the pension insurance involves a wide range and a large number of participants, a large amount of pension insurance can be raised in the operation, which can provide a huge source of funds for the capital market, especially the fund-based pension insurance model.

The accumulation of funds in personal accounts is calculated in ten years, which makes the pension fund larger and provides more funds for the market. Through the operation and utilization of large-scale funds, it is conducive to the state's macro-control of the national economy.

meaning

Guaranteed reproduction

The establishment of the old-age insurance system is conducive to the normal intergenerational replacement of the labor force, the retirement of the elderly, the smooth employment of the newly growing labor force and the rationalization of the employment structure.

welfare

Endowment insurance provides basic living security for the elderly and makes them feel safe. With the arrival of the aging population, the proportion of the elderly population is increasing and the number is increasing. Old-age insurance guarantees the basic life of elderly workers, which is equivalent to ensuring the basic life of a considerable number of people in society.

For on-the-job employees, participating in endowment insurance means that they have expectations for their future old-age life and are free from worries. In terms of social mentality, more people are stable and less impetuous, which is conducive to social stability.

References:

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.