40-year-old and 50-year-old social security subsidy policy

40, 50 policy refers to a policy measure implemented by the state for groups with employment difficulties. Specifically, it includes social security subsidies and employment preferences.

1, social security contribution subsidy

People who enjoy social security payment subsidies can get some relief when paying social security contributions. There are usually three ways to reduce or eliminate them:

Some areas give a fixed amount of social security payment subsidies every month, such as Qingdao subsidizes 500 yuan every month and Guangzhou subsidizes 600 yuan every month.

In some areas, individuals receive a certain percentage of subsidies from their social security contributions. For example, Beijing subsidizes 70% of their social security contributions, Shanghai subsidizes 50% and Yunnan subsidizes 60%.

The last one is the work of the unit to absorb social security payment subsidies, which can reduce the amount of social security that some units should pay.

2. Preferential employment policy

40, 50 people to start their own businesses, eligible can enjoy tax incentives, while exempting all kinds of administrative expenses;

According to the regulations, all kinds of public welfare posts will also give priority to 40 or 50 qualified people, and they can enjoy social security subsidies and post subsidies at the same time;

40, 50 people can participate in all kinds of training organized by social security departments free of charge, and enjoy the service of formulating professional intermediary structure.

Application procedure

1. Three days after the applicant paid the old-age insurance and medical insurance of the current year, he/she will go to the social security subsidy acceptance window of the flexible employment personnel of the municipal archives custody center for preliminary examination with his/her ID card, custody contract and original payment documents, and get the application form and flexible employment permit. The application form only needs to fill in one to seven columns and attach photos. The payment ticket number, payment amount and subsidy amount are not filled in.

2. The flexible employment permit shall be registered and stamped by the applicant at the community labor security workstation where his/her account is located.

3, the applicant to the "application form", "flexible employment permit" and my ID card, household registration book and other related materials (in triplicate) to the street (township) labor and social security office to apply for audit, after the audit is correct, sign and seal (labor and social security office to keep a copy).

4, the applicant to the "application form", "flexible employment permit" and other related materials to the city file hosting center acceptance window for reporting procedures.

5, by the municipal archives center to check the file, check the date of birth, and report to the labor and social security department. The labor and social security department shall report the allocation of funds to the financial department after the audit.

6. According to the issuance time notice, the applicant will receive social security subsidies from the designated bank with his ID card and acceptance card.

Who can apply?

40, 50 policy All kinds of benefits are very good, but not everyone can enjoy them when they reach the age.

Simply put, people who can enjoy this policy must meet the three restrictions of age, identity and social security at the same time.

1, age limit

It can be confirmed from the name of the policy that in order to enjoy this welfare policy, you must reach the age limit.

In general, women need to reach 40 years old and men need to reach 50 years old.

However, it is understood that the age enjoyed by social security departments in different regions has become a policy of 45, 55, 47, 57, 49 and 59.

Delaying retirement will increase the probability of this age group.

2. Identity restrictions

As mentioned earlier, this policy is to take care of the groups with employment difficulties, and non-employment difficulties groups cannot enjoy this policy.

Generally speaking, groups with employment difficulties include the following groups:

Persons who have reached the age limit and hold the Employment Unemployment Registration Certificate;

Disabled people;

Enjoy subsistence allowances;

Landless farmers;

Family members of poor workers;

Urban zero-employment family members and rural zero-transfer family members among poor households;

Other special personnel, such as college graduates who have not been employed for two years, are employed flexibly, such as unemployed people who have been unemployed for more than one year.

3. Social security restrictions

The so-called social security restriction means that people who enjoy such policies must pay social security in their own names, that is, participate in urban employee pension insurance and urban employee medical insurance.

The main reason for this restriction is the high payment cost of this kind of social security.

4. Other restrictions

Meeting the above three restrictions is only the foundation, and there will be special restrictions in various places:

For example, Qingdao, Shanghai and other regions have increased household registration restrictions, and only local household registration personnel are allowed to enjoy this policy.

Advantages and disadvantages of social security subsidies

Although the social security subsidy policy is a welfare policy, it also has certain advantages and disadvantages.

Advantages of 1, 40 and 50 policies

First of all, the biggest benefit of social security subsidies is to ease the pressure of social security payment for flexible employees.

For example, Qingdao subsidizes 500 yuan every month, with an annual subsidy of 6,000 yuan. For example, Beijing subsidizes 70%. According to the average social wage 1 10,000, the contribution ratio is 60%, and the monthly subsidy to 840 yuan is more than 9,600 yuan a year. Including medical insurance subsidies, one year 1 10,000 to 20,000.

Secondly, promote employment and increase the employment rate.

Those who enjoy this policy must register for unemployment, actively participate in training and have a strong desire for employment. Special fields also require them to engage in specific positions.

Third, improve the vocational skills of the unemployed.

According to the regulations, people who enjoy this policy need to participate in various skills training organized by the social security department.

For unemployed flexible employment groups, it can effectively improve personal vocational skills.

Finally, the social security fund can be levied.

Without this policy, many people in need would not pay social security.

People who enjoy this policy, although the payment has become lower, still have a certain fund income to the social security fund compared with not paying.

Disadvantages of 2, 40 and 50 policies

First of all, social security subsidies and unemployment benefits cannot be received at the same time. Workers who have paid unemployment insurance and meet the conditions for receiving unemployment insurance can enjoy unemployment benefits, but social security subsidies and unemployment benefits are in conflict and cannot be enjoyed at the same time.

Secondly, social security subsidies have a time limit, which not only refers to the age limit, but also includes the collection period. The collection time in most areas is limited to three years and five years.

Finally, social security subsidies generally require the payment of social security according to the minimum base, which has certain influence on the calculation of retirement pension.

How to apply for unemployment insurance?

To receive unemployment insurance, you must meet the following three conditions at the same time.

1. The employer and I have fulfilled the obligation to pay unemployment insurance for one year;

2. Unintentional interruption of employment (i.e. dissolution or termination of the labor contract by the company);

3. Registered unemployed and have job requirements.

After meeting the above conditions, you can get unemployment insurance money from the district-level labor and social security department where you have your domicile or temporary residence.

How much can I get from unemployment insurance?

First of all, the number of months to receive unemployment insurance benefits is related to the cumulative payment time of unemployment insurance.

1. If it is over one year but less than two years, the collection period is 3 months;

2. For two years but less than three years, the collection period is 6 months;

3. Over three years but less than four years, the collection period is 9 months;

4. If it is over four years but less than five years, the collection period is 12 months;

5. If it is more than five years but less than six years, the collection period is 15 months;

6. For those who have completed six years but less than seven years, the collection period is 16 months, and will be increased annually thereafter. The collection period is increased by one year, with a maximum of 24 months.

legal ground

People's Republic of China (PRC) social insurance law

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.