Payment standard of individual endowment insurance

Payment standard of individual endowment insurance

1, the enterprise pays the basic old-age insurance premium, based on the total wages of all employees, and the payment ratio is 20%;

2, individual workers to pay the basic old-age insurance, based on my salary last month, the payment ratio is 8%.

Employee pension insurance payment base

1. individual: the declaration of individual endowment insurance payment base is approved as follows. If the payment base is lower than 60% of the average monthly salary of employees in the previous year at the time of payment, 60% is the payment base, and 300% is the payment base if it is higher than 300% of the average monthly salary of employees in the previous year at the time of payment.

2. Employee transfer: the payment base is the monthly salary income of the employees transferred to the new unit. If the monthly wage income changes in the future, the payment base shall be the changed monthly wage income.

3. Demobilized veterans and employees of government agencies and institutions: If demobilized veterans and employees of government agencies and institutions work in enterprises, the monthly wage income after working in enterprises shall be the payment base.

4. Employees who retire from enterprises: employees who retire from enterprises shall be paid according to their average monthly salary before retirement 12 months; If the living expenses during retirement are higher than the income, the retirement living expenses shall be used as the payment base; If the retirement living expenses increase, the payment base will be adjusted accordingly.

5. Employees in medical period: employees who take sick leave during medical period, and employees who have been on leave for more than half a year due to business suspension, shall be paid according to the actual sickness allowance or living expenses.

6. Employees who resign and seek self-employment: employees who leave their jobs and seek self-employment through agreement with enterprises shall be paid according to the average monthly salary of employees in Sichuan Province in the previous year.

7. Contract employees: For employees whose salary income cannot be accurately verified according to the contract, the monthly average salary of employees in Sichuan Province in the previous year shall be taken as the payment base.

8. Employees going abroad (abroad) or leaving the country: employees who work abroad, are sent abroad or seconded to other units, and are paid according to their actual monthly salary income.

9. Full-time learners: If the full-time learners dispatched by the enterprise retain labor relations and are paid by the enterprise, the actual monthly salary income will be used as the payment base. Full-time learners who have agreed with the enterprise to retain labor relations and the enterprise does not pay wages will be paid according to the average monthly salary before full-time study1February.

10. Employees with multiple basic old-age insurance relationships: if the insured establishes multiple basic old-age insurance relationships, the payment bases for repeatedly paying the basic old-age insurance premiums will be combined and calculated.

How to pay personal endowment insurance?

Individuals need to apply to the social security bureau where the household registration is located to purchase endowment insurance. Procedures include: my ID card, two recent bareheaded one-inch photos, insurance premium, application form and so on. And can only apply for pension and medical insurance.

How much to pay is calculated according to the local social wage of the previous year, which is different every year.

For example, if A's average salary is 20,000 yuan, then the pension insurance payment is 20,000 times 20% = about 4,000/year, and the medical treatment is 20,000 times10% = about 2,000/year.

In addition, it is also stipulated that the lowest grade and the highest grade are not less than 60% of the average monthly salary of social workers, and the highest grade is 300% of the average monthly salary of employees. Generally, the lowest grades are mostly.

In addition, the minimum payment period of old-age insurance is 180 months, that is, 15 years, and medical insurance needs to pay at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as you renew your fees, you can usually).

Provisions on enjoying pension benefits:

According to the provisions of the state, people who participate in the basic old-age insurance and meet the following conditions can go through retirement procedures and enjoy basic pension benefits:

1. Normal retirement: male workers reach 60 years old, female cadres reach 55 years old and female workers reach 50 years old;

2. Early retirement for special work:

(1) Engaged in toxic and harmful operations for more than 8 years; The underground high temperature operation has accumulated for more than 9 years; Particularly heavy work accumulated over 10 years; There should be original materials recorded in personal files, and it is in line with the national early retirement work.

(2) Male employees are over 55 years old and female employees are over 45 years old;

3. Early retirement due to illness: If a male employee reaches the age of 50 and a female employee reaches the age of 45, she can go through the formalities of early retirement due to illness. Male employees under 50 years of age and female employees under 45 years of age can only go through resignation procedures.

Personal endowment insurance payment inquiry

1, social security center query

If you don't know your social security account number, you can bring your ID card to the business hall of social insurance agencies in various districts to inquire.

2. Online inspection

Log in to the city's labor security network or social insurance business website, click the "Personal Social Security Information Inquiry" window, and enter my ID card and password (the password is your social security number or the date of birth of your ID card) to inquire about my insurance information.

3. Telephone consultation

Call the labor and social security comprehensive service telephone number "12333" for policy consultation and information inquiry.

4. The social endowment insurance center will send the personal account statement of the insured person to each insured person every year, and check the payment and account records through the personal account statement.

According to the introduction of the payment standard of individual endowment insurance, we can know that the proportion of employers paying endowment insurance for employees is 20%, while the proportion paid by individuals accounts for 8% of the salary base. In addition, due to the different nature of employees, the base for employees to pay endowment insurance will be different. You have to correspond to your base according to your personal situation, and then pay 8%.

Personal endowment insurance is an important social security system, which provides economic support for individuals after retirement. Insurance conditions mainly include age, employment, etc. Generally speaking, residents who have reached the age of 16 can participate in individual endowment insurance, and employed people need to pay social insurance premiums at the company. The process of applying for individual endowment insurance generally includes filling in the application form, providing relevant certification materials, paying insurance premiums and other steps. The specific process may vary by region and policy. It is recommended that you consult the local social security department or read relevant policy documents to obtain accurate information. The enrollment and application process of personal endowment insurance is of great significance to ensure the quality of personal retirement life.

Personal endowment insurance is an important social security system, which provides economic support for individuals after retirement. Insurance conditions mainly include age, employment, etc. Generally speaking, residents who have reached the age of 16 can participate in individual endowment insurance, and employed people need to pay social insurance premiums at the company. The process of applying for individual endowment insurance generally includes filling in the application form, providing relevant certification materials, paying insurance premiums and other steps. The specific process may vary by region and policy. It is recommended that you consult the local social security department or read relevant policy documents to obtain accurate information. The enrollment and application process of personal endowment insurance is of great significance to ensure the quality of personal retirement life.

Legal basis:

People's Republic of China (PRC) Social Insurance Law;

Chapter II Basic Endowment Insurance

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.