Social security policy for migrant workers

Legal analysis: 1. Migrant workers pay the basic old-age insurance premium according to the proportion of individual contributions of migrant workers in this city, that is, the employer pays the basic old-age insurance premium for migrant workers at 14% of the base salary every month, and migrant workers themselves pay the basic wood old-age insurance premium at 6% of the base salary. The base of payment salary is approved at a level of not less than 60% and not more than 300% of the average monthly salary of employees in the city last year. 200 1 year, the average monthly salary of employees in the city is 757 yuan.

2. Personal account of social endowment insurance is a lifelong account established by social insurance agencies for insured employees, which records the amount of basic endowment insurance premiums paid by individuals, the part allocated from the unit payment according to regulations and the interest amount of the above two items. Individual accounts for social endowment insurance are established uniformly in the whole city according to 1 1% of the wages paid by employees. Individual contributions of employees are all credited to individual accounts, and the rest are included in unit contributions. Personal accounts shall bear interest with reference to the bank's L-year resident time deposit interest rate. The old-age insurance paid in that year bears interest at the zero deposit and lump-sum interest rate, with one-year interest 1 time, and the interest is transferred to the deposit amount.

3, migrant workers and migrant workers after leaving the city, how to deal with their personal accounts of social endowment insurance, migrant workers and migrant workers after leaving the city, the total amount of their personal accounts of endowment insurance (including principal and interest) can be chosen by me in any of the following ways:

(1) Transfer to the social insurance agency where he is re-employed or registered permanent residence.

(two) stay in this city, in line with the basic pension conditions, according to the provisions of the old-age insurance benefits, receive a monthly pension;

(3) Return it to me at one time and terminate the pension insurance relationship at the same time.

4. What conditions should migrant workers have to receive the basic pension, and how to calculate the basic pension? Migrant workers should meet the following conditions to receive basic pension: reaching the retirement age stipulated by the state (that is, men are 60 years old and women are 50 years old); The years of paying the basic old-age insurance premium have accumulated to 15 years. The basic pension is calculated according to the following method: the monthly basic pension is equal to the basic pension plus the personal account pension. Retirees will also enjoy the national policy of regularly adjusting the treatment of retirees. Among them, the basic pension is equal to the average monthly salary of employees in this city multiplied by 20% one year before retirement; Personal account pension is equal to the employee pension insurance personal account storage amount divided by 120.

Legal basis: Article 64 of People's Republic of China (PRC) Social Insurance Law includes basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.

The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.