Why is there no individual contribution limit for industrial injury and maternity insurance in Jinbao.com?

1. Yes, each insured person has a unique social security account number; 2. According to the national standard, the insurance account number should be the resident ID number (to prepare for the networking of the gold insurance project), but at present, because the ID card has not been completely replaced (many people's numbers will change), it is difficult to manage, so a code of "microcomputer serial number" or "internal number" is temporarily used as the insurance account number. The specific figures are related to the whole region and population. 3. Social security includes basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund, collectively referred to as "five insurances and one fund". But unemployment, work injury, maternity and housing can only be insured in the unit. Personal identity can handle basic old-age insurance and medical insurance. 4. Only when the enterprise is restructured or bankrupt can it be "paid in one lump sum" to determine when to pay (for example, in the case of your father, please check the endowment insurance manual, and whether it was registered in 2008 must be verified and stamped by the local social security department). According to the regulations, the payment base of prepaid insurance premium will increase by10% every year; Individuals can also pay in advance, but unlike what I said above, personal prepayment, like prepaid telephone charges, is indefinite. If you raise the payment base, you will not have enough money for so many years, and you will have to make up. 5. Personal account payment is only: 1) The insured person dies before reaching the statutory retirement age; Personal account principal and interest shall be paid to the designated beneficiary or legal heir. 2) After the insured reaches the legal retirement age, if the accumulated payment period is less than 15 years, the principal and interest of the personal account will be paid in one lump sum, and the pension insurance relationship will be terminated at the same time, so he cannot enjoy the monthly pension treatment. As for the social security card, the business software in many places has not been updated, which does not support card management. Therefore, only the Pension Insurance Manual must be kept well, and it will be very troublesome to lose it, especially for laid-off workers in bankrupt enterprises. Because it is generally necessary for the original unit to provide relevant information to reissue the insurance manual. If you want to inquire about the personal account of endowment insurance, you can take the insurance manual to the local social security department for consultation, and they are obliged to accept it. You have a data manual, such as payment base. In fact, you can also roughly calculate the balance of your personal account yourself. Amount credited to personal account every year = payment base of the current year * 1 1%* 12 months. Then add it up year by year (ignoring interest).

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