Local hukou works locally, and the company buys social security in different places. What's the difference between buying social security locally? What are the restrictions on enjoying national polici

Local hukou works locally, and the company buys social security in different places. What's the difference between buying social security locally? What are the restrictions on enjoying national policies? There is no difference between participating in insurance in different places and participating in insurance locally. They all pay social insurance in the same way, but the retirement pension they receive at retirement age will change because of the different average social wages in different places.

The state pays social insurance in accordance with the principle of territoriality, that is, it is handled at the place where the household registration is located. If you work in a different place, you can be insured by the employer in a different place, and the employees and employers pay the same fee. If you don't work, you can't participate in insurance in different places.

According to the regulations of the state, employees who have paid insurance premiums in different places for 15 years and 10 years and have reached the legal age can retire in different places and enjoy pension benefits according to the standards in different places. If the payment is less than 65,438+00 years, you need to transfer to the insured place for retirement. Those who are dissatisfied with the age of 10 should be transferred back to their registered residence for retirement.

For example, if you have paid for 2 years locally, 5 years in Tianjin, 10 years in Beijing, and finally insured in Beijing, you can retire in Beijing when you reach retirement age. Pay for 2 years in the local area, 10 years in Tianjin, 5 years in Beijing, and transfer to Tianjin for retirement. If you have paid in the local area for 5 years.

Extended data

According to the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Urban Enterprise Employees

Article 3 If the insured person is employed by floating across provinces, the social insurance agency of the original insured place (hereinafter referred to as the social insurance agency) will issue the insurance payment voucher, and the basic old-age insurance relationship will be transferred to the new insured place. If the insured reaches the conditions for receiving the basic old-age insurance benefits, the payment period of insurance premiums will be calculated together, and the amount of personal account storage (including principal and interest, the same below) will be calculated cumulatively; Before reaching the age of receiving treatment, the basic old-age insurance relationship shall not be terminated, and the procedures for surrender shall be handled; Settle abroad and settle in Hongkong, Macao and Taiwan Province Province, according to the relevant provisions of the state.

Article 4 When the insured transfers the basic old-age insurance relationship through inter-provincial floating employment, the transfer funds shall be calculated in the following way:

(1) Storage in personal account: before 1998 65438+ 10/month, transfer is calculated according to the accumulated principal and interest paid by the individual; after 1 9981,transfer is calculated according to all the storage in personal account.

(2) Overall fund (unit contribution): based on 1998 1 my actual contribution salary in the following years, the transfer will be made according to the sum of 12%. If the insured payment is less than 1 year, the transfer shall be calculated according to the actual payment months.

Article 5 The transfer of the basic old-age insurance relationship of the insured with inter-provincial floating employment shall be handled in accordance with the following provisions:

(1) If the insured person returns to his domicile (referring to a province, autonomous region or municipality directly under the Central Government, the same below) for employment, the relevant social security agency at the domicile shall handle the transfer and connection procedures in time.

(two) if the insured fails to return to the place where the household registration is located for employment and insurance, the social security institution shall handle the transfer formalities for him in a timely manner in the newly insured place. However, for men over 50 years of age and women over 40 years of age, the basic old-age insurance relationship should be maintained in the original insured place, and a temporary basic old-age insurance payment account should be established in the new insured place to record all the contributions of units and individuals. Thirdly, when the insured person is employed across provinces or reaches the conditions for receiving benefits in the newly insured place, all the payment principal and interest in the temporary basic old-age insurance payment account will be transferred to the original insured place or the place for receiving benefits.

(III) If the insured is transferred with the approval of the Organization Department of the Party Committee at or above the county level and the administrative department of human resources and social security, and establishes labor relations with the transferred unit and pays the basic old-age insurance premium, it is not subject to the above age limit, and the basic old-age insurance relationship transfer and connection procedures shall be handled in time at the transferred place.

Baidu Encyclopedia-Interim Measures for the Transfer and Continuation of Basic Endowment Insurance for Urban Enterprise Employees