How to make up the balance of social security personal account?

Social security personal account refers to the account formed when individuals pay social insurance premiums. The balance of social security personal account consists of the following aspects:

1. Personal account balance of old-age insurance: old-age insurance refers to the basic old-age security provided by the state and enterprises to retirees after retirement. The endowment insurance premiums paid by individuals are transferred to individual accounts, and the account balance increases with the increase of endowment insurance premiums paid by individuals and decreases with the increase of pensions received by individuals.

2. Personal account balance of medical insurance: Medical insurance refers to the medical security provided by the state and enterprises when an individual is sick or accidentally injured. The medical insurance premiums paid by individuals will be transferred to individual accounts, and the account balance will increase with the increase of medical insurance premiums paid by individuals and decrease with the increase of medical insurance use by individuals.

3. Unemployment insurance personal account balance: Unemployment insurance refers to the unemployment protection provided by the state and enterprises when individuals are unemployed. Unemployment insurance premiums paid by individuals will be transferred to individual accounts, and the account balance will increase with the increase of unemployment insurance premiums paid by individuals and decrease with the increase of unemployment insurance benefits received by individuals.

4. Personal account balance of industrial injury insurance: Industrial injury insurance refers to the industrial injury protection provided by the state and enterprises when an individual is accidentally injured at work. Work-related injury insurance premiums paid by individuals are transferred to personal accounts, and the account balance increases with the increase of work-related injury insurance premiums paid by individuals and decreases with the increase of work-related injuries suffered by individuals.

5. Personal account balance of maternity insurance: Maternity insurance refers to the maternity protection provided by the state and enterprises when an individual gives birth. Maternity insurance premiums paid by individuals are transferred to individual accounts, and the balance of accounts increases with the increase of maternity insurance premiums paid by individuals, and decreases with the increase of maternity insurance received by individuals.

To sum up, the balance of social security personal account is an account formed by the part paid by individuals when they pay social insurance premiums. The balance of the account is determined by the increase of social security fees paid by individuals and the decrease of social security benefits received by individuals.

Legal basis:

Article 10 of People's Republic of China (PRC) Social Insurance Law

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly 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.

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.