Is the old-age insurance for urban residents the same as the social security pension for employees? Is the endowment insurance for urban workers the same as that for urban and rural residents? )

Urban residents and urban workers pay the same social security fees. Will their pensions be the same?

There are two types of endowment insurance:

One is employee pension insurance: if there is a work unit, it will be insured by the unit. Unemployed people voluntarily participate in insurance, and the annual payment is about 6000-35000 yuan, which varies from place to place.

One is the old-age insurance for residents: unemployed people voluntarily participate in the insurance and pay 200-2000 yuan a year.

Therefore, if the unemployed choose employee pension insurance, the pension is the same as that paid by urban workers.

What is the difference between urban and rural residents' pension insurance and urban workers' pension insurance?

The minimum annual payment for residents' old-age insurance is only in 200 yuan, and the maximum payment standard is formulated according to the standard of not less than that for local freelancers to pay social old-age insurance for employees. However, in most places, the maximum payment standard is set at about 5,000 yuan per year, and even in some areas, the maximum annual payment is only 3,000 yuan, which is far from the annual payment of urban endowment insurance of nearly 1000 yuan.

Differences in payment account management

Residents' pension insurance only has individual accounts, but there is no overall account. Personal contributions and state subsidies are recorded in personal accounts, which contains the characteristics of saving for the elderly. The amount of pension is determined by individual account, but it varies greatly from place to place due to the limitation of the highest payment standard; The payment standard of urban and rural endowment insurance is based on the average monthly income of employees in the previous year, which is basically based on the average monthly income of employees in the previous year, and then the upper and lower limits of social security contributions in each year are set. In account management, part of the enterprise payment is credited to the overall account, and part of the individual payment is credited to the personal account. The two accounts are managed separately and do not occupy each other. Personal account assets only account for 8% of deposits. If the freelancer pays the fee, the funds credited to his personal account are only equivalent to one third of his own payment.

Pensions are calculated in different ways.

Whether it is resident pension insurance or urban pension insurance, its pension is composed of pension and personal account pension insurance. The calculation level of personal account endowment insurance is mostly the same, which is based on the total amount of personal account divided by the corresponding number of accrued months. However, due to the different legal retirement ages of employees, the number of months corresponding to each age group is also different, such as 60 years old, 139 months, 55 years old and 65438. However, since the age of payment of wages and benefits for urban residents' pension insurance is all 60 years old, it is uniformly calculated according to 139 months.

The biggest difference between the two is the pension. Because there is no overall account for residents' pension insurance, all pensions are subsidized by the State Finance Bureau. Western subsidies are relatively large, while central and northern subsidies are relatively small. All developed cities rely on local finance for distribution. Because it is a financial subsidy, everyone's norms are the same in the same place. For example, Shanghai is 1200 yuan per person per month, and Sichuan is basically 1 15 yuan per person per month. The difference is usually the term of payment. If the payment period exceeds 1 year, a certain pension will be increased every year. There is also an age factor, which is linked to the subsidy for the elderly.

However, the calculation and development of basic pension for urban and rural residents are linked to my payment base and payment period, and at the same time, the sharing of social and economic development achievements should be highlighted. The calculation method is to take the average of the sum of the average monthly income of employees in the previous year before retirement and their average indexed payment wages as the calculation amount, and pay a pension of 1% in each payment year. In such an average, the average payment index is very important. For example, the difference between the average payment index of 0.6 and 3 is 5 times, which is actually a difference of 5 times between the average index payment wages. Another data information is the payment period, which is 1% for each payment year. If this 1% is 100 yuan, then every extra year is 65433. Urban and rural endowment insurance accounts for almost two-thirds of the whole endowment insurance, which is why the funds in the overall account account for two-thirds and the individual account only accounts for one-third.

Generally speaking, residents' endowment insurance and urban endowment insurance are both endowment insurance, but they belong to two different endowment insurance policies and have no comparative significance in pension treatment. Because the payment standard, account management and pension insurance calculation are completely different, the pension is also very different.

The difference between urban workers' endowment insurance and urban and rural residents' endowment insurance

Endowment insurance for urban workers and urban and rural residents is an important part of China's basic social security pension system. So, what's the difference between urban employee pension insurance and urban and rural resident pension insurance? The following is introduced by China Travel Service. Bian Xiao.

Endowment insurance for urban employees includes endowment insurance for enterprise employees and endowment insurance for government agencies and institutions, covering urban employees with work units.

Old-age insurance for urban and rural residents includes old-age insurance for urban residents and new rural social old-age insurance, covering urban non-employed residents and rural residents who are over 16 years old and do not meet the basic old-age insurance conditions for employees.

Although both urban workers' pension insurance and urban and rural residents' pension insurance belong to social insurance, the scope of insured persons, payment methods and treatment are far from each other, mainly in the following aspects.

First, the old-age insurance for urban workers is compulsory by the state and must be attended. Residents' pension insurance is voluntary.

Second, urban workers pay monthly, based on their own wages and the average social wage, and pay in proportion, which is jointly paid by units and individuals; Residents' old-age insurance is paid annually, according to a fixed amount, which is combined by state subsidies and individual contributions.

Third, the old-age insurance for urban workers is to calculate the pension according to the payment period, payment base and average social wage; Residents' old-age insurance is calculated according to the total payment plus government subsidies and state subsidies.

Fourth, by age, urban workers are 60 years old, female workers are 50 years old and female cadres are 55 years old. Residents' pension insurance Both men and women are 60 years old.

Fifth, the old-age insurance for urban workers has high payment and high treatment; Because there is no income, residents' pension insurance has a low starting point, less payment and lower treatment.

According to the deployment of the State Council, the new rural insurance and urban residential insurance will be merged, and a unified basic old-age insurance system for urban and rural residents will be established nationwide, which will be connected with the basic old-age insurance system for employees; By 2020, a fair, unified and standardized old-age insurance system for urban and rural residents will be fully established.

Enterprise employees and self-employed urban residents pay 60% of the old-age insurance premium. Do they have the same pension when they retire?

According to the current policy, if the payment standard is the same as other conditions, the pension for employees and individuals will definitely be the same!

First, if it is not before the implementation of social insurance, it is all the same:

Why do you say that? Because before the implementation of social insurance, people who participated in the work were regarded as paying fees, that is to say, his length of service before this can be regarded as the number of years of payment. However, after the implementation of the social insurance system, payment began, and there is no such thing as deemed payment.

In other words, the main calculation methods of each retiree's pension come from basic pension and personal account pension. If there is a transitional pension before the implementation of social insurance, it involves the same payment. Although it is not much, there is still a gap. On the contrary, there is no difference.

Second, if you pay 60% after the implementation of old-age insurance, the pension will definitely be the same under other equal conditions:

If you pay 60% of the premium after the implementation of old-age insurance, other conditions are the same, then the pension paid by employees and individuals will be exactly the same.

This is because their basic pensions, mainly the average social wage base of last year and other key data are the same; Personal account pension, because they pay the same proportion, the data must be the same; The result of this calculation will not be any different.

Third, the only difference is that they pay different premium costs:

Suppose one pays employee social security and the other pays personal social security. If they have the same contribution ratio and the same retirement age and time, the pension will be exactly the same. However, their personal social insurance costs are different, that is to say, although their pensions are the same and the proportion is the same, the amount of money paid is different.

The specific situation is because: employees share 28% of the social security expenses by individuals and enterprises. This 28% refers to the total monthly salary of employees, of which 20% is borne by the enterprise and directly enters the social security pooling account. Another 8% is borne by individuals and goes into employees' personal accounts. Individual contributions are paid in full by individuals according to 20%, of which 12% goes into social security pooling account and 8% goes into individual account. Then, you can see that the same 60% payment standard, the same 8% into the personal account, employees only spent 8% of their own money into the account; However, individuals are flexible in employment, and individuals pay 20%.

Therefore, under the same circumstances, employee contributions and individual contributions are exactly the same, but employee contributions are shared by units and individuals; Personal contributions are paid in full by myself. In contrast, individuals pay 12% more than employees for the same pension. However, social insurance is a good thing for the country and the people. It is essentially different from commercial insurance and is trustworthy!