New Policy of Urban Endowment Insurance in 2023

The old-age insurance policy has been developing. The new policy is mainly reflected in the following aspects: the new policy of supplementary pension insurance is as follows: 1. After the conditions for paying the old-age insurance are met, the old-age insurance should continue to be paid until women reach the age of 55 and men reach the age of 60. If the actual payment exceeds 15, the basic old-age insurance formalities can be handled according to the regulations; If the actual payment period is less than 15 years, it can be extended to 15 years. When women reach the age of 60 and men reach the age of 65, the actual payment period is still less than 15 years, and they need to pay to 15 years in one lump sum, and the basic pension procedures can be handled according to regulations. 2. The scope of pension insurance payment needs to meet the following conditions at the same time. If you need to voluntarily participate in the basic old-age insurance for employees, you should pay the basic old-age insurance premium according to your personal status (that is, the basic old-age insurance premium paid by the original unit during your work): 1. If the employer fails to establish factual labor relations with urban enterprises, organs, institutions, social organizations and other employers at the same time, after 20 10 years, he will participate in the payment procedures of the basic old-age insurance for urban employees or be terminated. 3. Base and proportion of supplementary pension insurance: 1. When insured, the base of payment before insurance is 60% of the average monthly salary of employees in the previous year. After verification, it can be calculated by 0. 6. Calculation of payment index; After the insured, the payment base shall be implemented according to the relevant provisions of the payment base policy for flexible employees in that year, and the indicators shall be calculated according to the actual situation. The proportion of payment is calculated by 20%. 2, 65438+February 3 1 recently insured, the payment base before payment can be approved according to 60% of the average monthly salary of employees in the province; Before 65438+February 3 1, the insured shall pay the basic old-age insurance premium according to the regulations, and the payment base shall be implemented in accordance with the relevant provisions of the payment base policy for flexible employees determined by various provinces and cities. 3. Personal account: Personal account shall be credited at one time at 8% of the total payment base.

Legal objectivity:

20 13 The new pension insurance policy stipulates that the employer fails to pay social security fees or is fined three times; If the payment is less than 15 years, it can be transferred to the new rural insurance or urban residents' pension insurance to enjoy long-term pension benefits. Endowment insurance is an important part of social security system and one of the five most important social insurances. The so-called endowment insurance (or endowment insurance system) is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age. 20 13 the new policy of endowment insurance is as follows: the employer fails to pay the social security fee or is fined three times. The goal of "Social Insurance Law" is to establish a social security system with no defects, no omissions and seamless connection, so that all people can have basic security in pension and medical care and have no worries. Its formal implementation marks that "national social security" has crossed the concept and entered the implementation stage. If the payment is less than 15 years, you can enjoy long-term pension benefits in both ways. "Accumulated payment of 15 years is one of the necessary conditions for pension insurance participants to receive pensions." For a long time, the insured who has paid less than 15 years at retirement can only choose to receive the personal account in one lump sum to terminate the basic old-age insurance relationship. Their old-age life lacks stable and long-term effective guarantee. In this respect, the Social Insurance Law has been greatly improved and expanded, adding two ways: allowing individuals to pay fees to 15 years; Transfer to new rural insurance or urban residents' pension insurance, both of which can make the insured get long-term pension insurance benefits. Payment 15 years is the "threshold" for enjoying long-term treatment. According to the relevant regulations of the state, "individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid 15 years." In other words, the minimum payment 15 is a necessary condition for the insured to receive a monthly pension. Zhang Ruishu, deputy director of the Provincial People's Social Welfare Department, said that there are three main considerations for the minimum payment period 15. First of all, the life expectancy in China has reached 73 years. In order to achieve the balance of payments and long-term sustainable development of the old-age insurance system, it is necessary to set a minimum payment period; Secondly, no matter how employed, the payment period is cumulative, and most people can easily reach 15 years; Finally, from the international experience, most countries that implement the contributory old-age insurance system require a minimum payment period according to the actuarial results of long-term fund balance between payment and treatment. The new endowment insurance policy formulated by relevant departments is more suitable for the development of China and closer to people's livelihood.