Payment policy of employee pension insurance in Hebei Province

On August 13, the reporter learned from the People's Social Welfare Department of Hebei Province that in order to further improve the basic old-age insurance system for employees, Hebei Province issued the Opinions on Improving the Basic Old-age Insurance Policy for Employees (hereinafter referred to as the Opinions), which standardized the participation payment and treatment enjoyment of enterprise old-age insurance participants. What is the payment policy of basic endowment insurance for employees? According to the Opinions, rural residents (migrant workers) who work in cities used by employers should pay the basic old-age insurance premiums according to the payment method of basic old-age insurance for enterprise employees. Individual industrial and commercial households with employees, their employers and employees, based on their average monthly wage income in the previous year, pay the basic old-age insurance premium at 8%. If the individual payment base is lower than 60% of the average monthly salary of employees in the province last year, 60% of the average monthly salary of employees in the province last year is the payment base, and 300% of the average monthly salary of employees in the province last year is the payment base. Units pay more than part of the annual total wages of employees as the base, according to 20% to pay. If the unit payment salary is lower than 60% of the average monthly salary of employees in the whole province in the previous year or the total salary cannot be approved, the sum of the payment bases of the employer and all employees shall be the payment base. The basic old-age insurance premiums payable by individuals shall be withheld and remitted by the employer. The insured reaches the legal retirement age and the payment is insufficient 15 How to deal with the pension insurance relationship? The "Opinions" pointed out that the insured reached retirement age, the accumulated payment period was less than 15 years, and the place to continue to pay was Hebei Province. Those who met the conditions for continuing employment in the enterprise continued to work and participate in the insurance, and paid the basic old-age insurance premium according to the regulations of the state and Hebei Province; If you are not employed in the enterprise and insured, you can choose to postpone the payment according to the payment method of flexible employees in Hebei Province. Inter-provincial migrant workers continue to pay in accordance with the relevant provisions of the state. Individuals who have been insured before the implementation of the Social Insurance Law, when they reach the statutory retirement age, the accumulated payment period is less than 15, and they choose to extend the payment according to the payment method for flexible employees in Hebei Province. If the payment is still lower than 15 after 5 years of continuous payment, you can enjoy the basic old-age insurance benefits on a monthly basis according to the payment standard when you pay for 5 years. After the implementation of the Social Insurance Law, individuals who started to participate in the insurance, when reaching the statutory retirement age, have accumulated a payment period of less than 15 years, and choose to continue to pay according to the payment method for flexible employees in Hebei Province until the payment reaches 15 years, and enjoy the basic old-age insurance benefits on a monthly basis. Individuals who are insured in Hebei Province and meet the above deferred payment conditions may also choose to terminate the basic old-age insurance relationship for enterprise employees or transfer to the basic old-age insurance for urban and rural residents. Individuals who choose to terminate the basic old-age insurance relationship for enterprise employees shall submit a written application, and after completing the relevant procedures, pay the amount stored in their personal accounts to them in one lump sum to terminate the basic old-age insurance relationship. When repaying the personal account, the fee of "one month's indexed monthly average payment salary for each full year of payment period" will no longer be paid. After the death of a person who participates in the basic old-age insurance for enterprise employees, the amount or balance of his personal account can be inherited according to law.

Legal objectivity:

Before the implementation of the Social Insurance Law, problems such as employers' failure to pay old-age insurance premiums, employees' interruption of payment, and uninsured can now be solved. Recently, the Provincial People's Social Welfare Department issued the Notice on Issues Related to the Payment of Basic Old-age Insurance Fees by Enterprise Employees before Implementation, which made detailed provisions on the scope, base and proportion of payment. According to the regulations, all employers who have unpaid old-age insurance premiums before June 30, 20 1 year, employers who should be insured and their employees who are not insured can pay the old-age insurance premiums before June 30, 201year. If the employer who is in arrears with the approved base pays the arrears of the basic old-age insurance for employees of urban enterprises in our province at the provincial level, and the payment base has been approved before June 30, 201year, but the basic old-age insurance premium has not been paid on schedule for various reasons, and the employer, local tax authorities and social insurance agencies confirm that the unpaid old-age insurance premium will be paid, a late fee of 0.5‰ will be added daily from June 30, 2006. Employers and employees who have been insured but not insured are not insured as a whole, and shall be insured for all employees from the date of registration and establishment of the unit. If it is necessary to pay the old-age insurance premium for the employees during their work units, the starting time of payment shall not be earlier than the starting time of individual payment for the original employees of enterprises of different natures stipulated by our province (employees with labor contract system 1986 10; Original temporary worker 65438+March 0990; Original permanent worker 1993 1 month; June 5438 +2003 10). If the employer fails to apply for insurance for employees in time, resulting in the insured not being insured, the employer or individual shall submit a written application for overdue payment, and submit proof of labor relations with the insured during the application period, proof of salary income and other materials. Upon confirmation, the endowment insurance premium during the unit period will be paid back from the month when the enterprise and individual are required to pay together. After the payment of employee insurance premiums, the payment of employee insurance premiums is interrupted. Upon the application of the unit or myself, the starting time of the individual payment system can be implemented according to the original employee status of enterprises with different properties stipulated by our province, and the old-age insurance premiums during the unit period can be paid back. The original fixed employees of the original industry as a whole should pay the old-age insurance premium according to the starting time when the original industry began to implement the individual payment system. Among them, those who have been insured but not insured or interrupted payment should make up the old-age insurance premium at one time during the period when they are insured or interrupted in their work. For the part paid by the previous unit of 20 1 1 (flexible employees 12%), an overdue fine will be added. The supplementary base refers to the provisions of the Notice on the average wage of employees in the province in that year, and the old-age insurance premium before the end of 1989 is paid, taking 1990 as the base. From 1990 to the establishment of personal account, the old-age insurance premium shall be paid according to the average salary of employees (on-the-job) in the province in the corresponding year. Pay the old-age insurance premium after establishing a personal account. To provide the original wage income of employees, it should be based on the actual wage income of employees, but not less than 60% and not more than 300% of the average wage of employees in the whole province in the previous year. If you can't provide the salary income of the current year, you can choose to pay back according to 100% or 60% of the average salary of employees in the province. Before 1995, the unit contribution ratio was 18%, and the individual contribution ratio was 3%; After 1996, it shall be paid according to the actual payment ratio of the current year.