Jiangdu district social security payment base

Discussion on the payment of endowment insurance in urban institutions

Early exit is not allowed. After the death of the insured, the personal account balance can be inherited according to law:

Based on the average monthly salary of employees in this province last year and my average monthly payment salary.

Retirement pension = basic pension+local pension+personal account pension

3)No. 1 insured in July 2006:

Retirement pension = basic pension+personal account pension

Handling the death of individual pension fund;

1. The calculated months are collected according to the average life expectancy of urban population when employees retire and their retirement age, and in the way before 2006.

Monthly basic pension

= (average monthly income × payment period%)+(personal account ÷ 120)

2. Different pensions

2) Those who have been insured in this city can enjoy the local pension.

Local pension

= (average monthly salary of the whole city-average monthly salary of the whole province) ÷ 2× payment period before 30, 2006×1%

(There are three receiving methods)

The third person's way of receiving individual pension funds.

Namely;

Other enterprises and insured persons, insured units and individuals can pay endowment insurance premiums at the rates of 20% and 8% respectively. (Since July 2007)

Urban individual industrial and commercial households and flexible employees can participate in the basic old-age insurance, with the rates of 12% and 8% respectively, which are shared by enterprises and individuals, and the payment is paid to 1% every1year.

Personally, I think that the higher the base of pension payment, the higher the pension paid by retirement law in the future ~ If you have enough economic strength to pay the difference of 5,000 yuan for three years at one time, you should also:

Apply for retirees after July 20 1 1 year.

1) Different registration times:

, interest and other factors to determine:

Private enterprises; Number of months of calculation and issuance stipulated by the state (see next page)

Transitional pension = average monthly salary of employees in the previous year at the time of retirement * deemed payment period of the insured * 1%+ average monthly salary of employees in the previous year at the time of retirement *1actual payment period before June 30, 998 * 1%.

The number of months of personal pension, the system of providing basic living security, private non-enterprise: receiving the storage amount of personal account at one time.

2, otherwise use the policy before 2006)

3. I pay directly to the collection department, and the personal contribution ratio is 20% of the average salary of the local society, of which 8% goes into the personal account.

Collection of basic pension funds:

Conditions for receiving the basic pension:

Meet the retirement conditions stipulated by the state and go through the relevant formalities.

According to the regulations, the cumulative payment period of the basic old-age insurance premium is 15 years.

Receiving project

basic pension

Funeral allowance for the death of the insured after retirement.

Basic old-age pension Social basic old-age insurance is paid monthly. Moreover, the annual salary adjustment of retirees is also adjusted according to the salary ratio, so I think of course the higher the average monthly pension, the more cost-effective. Enterprises with a total investment of more than 50% by natural persons are insured units, or workers who are not registered in cities and towns in this city are insured persons, and they have gone through retirement procedures before June 30, 2006. This difference should be due to the high standard of social security payment base of government agencies and institutions. An average of 5,000 yuan to three years is equivalent to monthly payment 140 yuan. However, as for the old-age pension, as long as you live a normal life after retirement, the standards are basically unified, and the expenses are implemented by the state. From July 65, 2006 to June 30, 2065, it was 438+0.

(This means that if the pension calculated by the 2007 policy is higher than the 2006 policy, the 2007 policy will be used.

The monthly standard of personal account pension is/,20 1 1 year, and he died after July.

Handling method: the amount stored in the personal account will be returned to the heir in one lump sum+basic social security benefits.

Social security benefits: 1) funeral expenses = 3 months' salary.

2) One-time pension = 3 months salary

3) One-time relief for immediate family members.

Support 1 person = 6 months' salary.

Supporting 2 people = 7 months' salary.

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