What are the preferential policies for self-employed pension insurance?

The state has issued a new policy of paying back the old-age insurance premium, which clearly stipulates that units and personnel who have not participated in the basic old-age insurance of enterprises and enterprises and personnel who have interrupted payment should pay back the old-age insurance premium, which provides a policy basis for all kinds of personnel to pay back the old-age insurance premium during the previous interruption and continue the old-age insurance relationship. The new policy of individual endowment insurance, urban individual industrial and commercial households and flexible employees participate ... Want to know more about the preferential policies that individual endowment insurance can enjoy, let's take a look with me.

First, the new policy of individual endowment insurance

Urban individual industrial and commercial households and flexible employees participate in the basic old-age insurance. As long as the normal payment reaches the specified number of years, you can enjoy the same treatment as the retired employees of urban enterprises. "Its contribution ratio is uniformly adjusted to 20%, which is 8% lower than the contribution ratio of employees in urban enterprises, but the pension payment methods of the two are the same.

The longer the payment period of the new policy of self-employed pension insurance, the higher the pension benefits.

According to the policy, after the implementation of the Decision of the State Council on Establishing a Unified Basic Old-age Insurance System for Enterprise Employees, the basic pension will be paid on a monthly basis after retirement if they have paid the accumulated contributions for 15 years. Basic pension consists of basic pension and personal account pension. The monthly standard of basic pension is based on the average monthly salary of employees in the whole province and the average monthly salary of myself in the previous year, and the payment is paid to 1% every full year. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months calculated.

In addition, the new policy also stipulates that the size of personal account will be adjusted from 1 1% of my salary to 8%, all of which will be formed by individual contributions, and unit contributions will no longer be included in personal accounts.

Under the new policy of self-employed pension insurance, female insured persons can choose their own retirement age.

According to the new policy, female insured persons who have been in the former public-owned enterprises and institutions for more than 10 years, accumulated payment period of 15 years and flexible employment for more than 2 years can choose to retire between the ages of 50 and 55.

In addition, if individual industrial and commercial households and flexible employees reach the required retirement age and the accumulated payment period is less than 15 years, the basic pension will not be issued, and the amount stored in individual accounts will be paid to them at one time. Individuals can also voluntarily choose to extend the payment period backwards, but not more than 5 years at most.

"4050 employees enjoy government pension subsidies" in the new policy of self-employed pension insurance

According to the new policy, as long as 4,050 employees who hold the Re-employment Concession Card and have been employed since July 1 day participate in the old-age insurance, the government will give subsidies. The amount of subsidy shall not exceed 2/3 of the actually paid endowment insurance premium, and the maximum subsidy period shall not exceed 3 years.

In addition, retirees of urban collective enterprises who have stopped production are directly included in the urban subsistence allowances and enjoy the subsistence allowances, and each person in Zhengzhou can receive 220 yuan every month.

Two, six preferential policies for self-employed pension insurance

1, and the contribution rate of employees in private enterprises is 24% (including unit 16% and individual 8%).

2. lowering the threshold for the first time, lowering the age threshold for employees in private enterprises, that is, employees in private enterprises under the age of 55 for men and 45 for women can participate in insurance.

3, the base can be selected for private enterprise employees and urban individual industrial and commercial households. In principle, according to my salary income, I will pay the old-age insurance premium. Urban individuals can choose to pay the old-age insurance premium according to my income between 60% and 300% of the average salary of employees in the local area and the city last year.

4. Flexible payment The payment method of individual industrial and commercial households in cities and towns is flexible, and they can pay the old-age insurance premium monthly or quarterly, or they can pay the old-age insurance premium every six months or annually; It can be paid directly to social security institutions, or indirectly through banks or entrusted labor insurance agencies.

5. The employee who continues the relationship terminates the labor relationship with the original unit due to enterprise restructuring. Regardless of whether they are re-employed, they can choose to pay the old-age insurance premium as employees of state-owned enterprises, private enterprises or urban individual industrial and commercial households to continue the old-age insurance relationship.

6. Reasonable treatment according to the principle of corresponding rights and obligations, determine the pension benefits for employees, and link them with the payment ratio and payment base of employees, and enjoy high treatment if the payment ratio is high; Enjoy low treatment if the payment ratio is low.

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