Will the relationship with endowment insurance cause new unfairness among the insured?

Question and answer of endowment insurance policy

How do individual employees pay fees and how do they plan to pay pensions?

The proportion of urban individual industrial and commercial households and their employees and urban freelancers participating in the basic old-age insurance is 18% of the average social wage of employees in the whole province last year. Freelancers in cities and towns and owners of individual industrial and commercial households are paid by themselves, and employees are paid by individual economic organizations and themselves (at present, the employee contribution ratio is 7%, which will be adjusted with the adjustment of the individual contribution ratio of enterprise employees). If the insured reaches the national legal retirement age (male 60 years old, female 55 years old) and the payment reaches 15, the basic pension and personal account pension will be paid monthly. If the payment is less than 15 years, the amount stored in the personal account (including interest) will be sent to me at one time, and the pension insurance relationship will be terminated at the same time.

How to calculate the pension insurance benefits for employees whose contributions are less than 15?

After (1) 1996 1, employees who have joined the work have reached the legal retirement age and the accumulated payment period is less than 15 years. After retirement, they will not enjoy receiving a monthly pension, and the amount stored in their personal accounts will be paid to them in one lump sum, and the pension insurance relationship will be terminated at the same time.

(2) Work before1995 65438+February 3 1, and retire after the implementation of the measures, that is, after 1998 1, reach the statutory retirement age, and the payment period is over 10/5.

(3)1995 65438+February 3 1, who has joined the work and reached the statutory retirement age, and the payment is less than 10 years, it is not necessary to pay back. In addition to paying my personal account in a lump sum according to the regulations, I will also be paid an indexed monthly average payment salary of two months for each full year according to the payment period (including deemed payment period) before I establish the account.

How to calculate the pensions of different types of people?

Before and after the implementation of the new old-age insurance system (1996), the basic pension calculation and payment structure of employees who participate in the work is different:

(1) When employees (so-called "newcomers") who have joined the work after the implementation of the new system retire: basic pension = basic pension+personal account pension. Among them, the basic pension standard is 20% of the average monthly salary of employees in the province last year, and the personal account pension standard is the amount stored in my account divided by 120.

(2) When employees (so-called "middlemen") who participated in the work before the implementation of the new system retire, the monthly basic pension = basic pension+personal account pension+transitional pension+a certain proportion of subsidies and adjustment funds.

(3) If the individual's payment period is less than 15 years, he will not enjoy the basic pension when he retires, and the amount stored in his personal account will be paid to him in one lump sum.

(four) retirees who have retired before the implementation of the new system are still paid pensions according to the original provisions of the state, and the pension adjustment measures are implemented at the same time. That is, like other retirees, they enjoy the normal adjustment mechanism of the basic pension.

How to establish a personal account for employee pension insurance?

What is the relationship between employee contributions and my future pension benefits?

Personal account is credited as 1 1% of the employee's own salary, of which 7% paid by the employee in 2003 is fully credited, and 4% paid by the employer is credited to the employee's personal account; The insured individual withdraws 1 1% from his own contribution and records it in his personal account. Personal account is the main basis for calculating and paying pensions when employees retire. Under normal circumstances, the longer the pension insurance premium is paid, the higher the base of payment salary, the larger the payment amount, the higher the amount of personal account storage, and the more basic pension you receive when you retire, and vice versa. Therefore, employees have the right to report to the competent departments of enterprises, labor and social security supervision institutions, social insurance institutions, trade unions at all levels and news media when they encounter the situation that enterprises default on endowment insurance premiums or underreport their total wages, so as to safeguard their legitimate rights and interests.

What is the standard for enterprises and employees to pay endowment insurance premiums?

Old-age insurance premiums are paid jointly by units and individual employees. The unit pays 20% of the total salary of the month, and the individual employee currently pays 7% of the salary of the month. However, when the average monthly salary of employees is higher than 300% of the average monthly salary of employees in the province last year, it will be paid at 300% of the average monthly salary of employees in the province last year, which is lower than 60% of the average monthly salary of employees in the province last year (the average monthly salary of employees in the province in 2002 was 747 yuan).

The proportion of individual contributions of employees will increase by one percentage point every two years until 8%.

The individual payment base of the insured shall not be lower than the average monthly salary of employees in the province in the previous year, and the maximum payment base of high-income earners shall not exceed 300% of the average monthly salary of employees in the province in the previous year. Individual insured persons can choose between 100%-300% of the average monthly salary of employees in the province last year. The payment ratio is currently 18%.

How can all kinds of people who interrupt payment continue the pension insurance relationship?

Continue to pay pension insurance premiums?

Those who used to be employees of enterprises, but later stopped paying due to unemployment, closure, bankruptcy, restructuring, reorganization, merger and other reasons, are now self-employed, have flexible employment or have certain income and payment ability, and can continue to pay old-age insurance as freelancers. These personnel can carry the employee pension insurance handbook, unemployment certificate, certificate of dissolution or termination of labor relations, and go to the social insurance institution to handle the pension insurance relationship (the employees who were originally insured at the municipal level went to the Municipal Social Labor Insurance Bureau; District owned enterprises to the District Social Insurance Bureau). After the continuation of the old-age insurance relationship, the payment period can be combined with the previous payment period in the enterprise. If the legal retirement age is reached and the payment period exceeds 15 years, the filing unit will go through the retirement procedures and enjoy the old-age insurance benefits as required.

What is the coverage and object of endowment insurance?

All state-owned enterprises, urban collective enterprises, foreign-invested enterprises (including Hong Kong, Macao and Taiwan-invested enterprises), urban private enterprises and other urban enterprises and their employees within the administrative divisions of our province, institutions and their employees who implement enterprise management, urban individual industrial and commercial households and their employees and freelancers shall be included in the coverage of basic old-age insurance according to law.

What is basic endowment insurance?

Basic old-age insurance is also called national basic old-age insurance. It is an old-age insurance system that the state needs to unify policies and enforce in order to ensure the basic livelihood of retired workers. It is the first and highest level of the multi-level old-age insurance system that combines basic old-age insurance with enterprise supplementary old-age insurance and employee personal savings old-age insurance.

How does the contribution base of enterprises and individual employees affect the retirement benefits of employees after retirement?

The payment base of enterprises and employees directly affects the treatment of employees after retirement. We know that the new method of calculating and distributing pensions fully embodies the principle of combining fairness with efficiency and the consistency of rights and obligations. Personal account pension is credited to personal account according to a certain proportion of my salary income; Transitional pension is also calculated according to my contribution base. If the employee's personal contribution base is low and the enterprise fails to pay in full, then the amount credited to the employee's personal account will be less, and the calculated personal account pension and transitional pension will be low. Similarly, if the payment base is large, enterprises and employees pay more endowment insurance premiums, then the amount of enterprises credited to and transferred to personal accounts will be more, and the total amount of personal accounts will be larger when they retire divided by 120, and the calculated personal account pensions and transitional pensions will be more, and their pension benefits will be higher. Therefore, every enterprise employee should pay the endowment insurance premium in full and on time, and at the same time urge the enterprise to pay the endowment insurance premium in full, so that the endowment insurance premium will not be affected when it retires.

What provisions does the state have on the establishment and management of individual accounts for endowment insurance?

With the reform of pension calculation and payment methods, according to national regulations, the state has established a personal account for basic old-age insurance for every employee since 1996 as a part of basic pension calculation and payment when employees retire. The scale of personal account establishment, the use and management of personal account mainly includes five aspects: (1) The scale of personal account is 1 1% of my salary, which consists of two parts: individual payment and enterprise payment. (two) the amount of personal account with reference to the interest rate of bank deposits in the same period of each year; (3) Personal accounts are only used for providing for the aged and cannot be withdrawn in advance; (4) When employees are transferred, personal accounts will be transferred accordingly; (5) If an employee or retiree dies, the individual contributions in the individual account can be inherited.

What is a transitional pension? What are the main functions?

Calculating the pension before the "middleman" establishes a personal account is called a transitional pension. Transitional pension is an integral part of the basic pension for middle-aged people after the unified system. For those who retired after working before the new system (or "unified accounting"), because their previous working years did not have personal accounts, the amount of personal account storage at retirement failed to reflect the labor contribution during this period, so their basic pension at retirement can not be simply calculated by adding personal account pension to basic pension, but should be added with pension without personal account. Transitional pension solves the problem of pension without personal account years.

What is the personal account of employee's basic endowment insurance?

Personal account of employee's basic old-age insurance is an account in enterprise employee's basic old-age insurance, which is used to record the basic old-age insurance premium paid by individual employees and the part paid by the unit to be recorded in the employee's personal name. It is an important basis for calculating personal account pension in basic pension when employees retire. The personal account size of employee's basic old-age insurance is 1 1% of the employee's contribution salary. At present, the proportion of employees' individual contributions is 6%, and the rest are included in the unit contributions; With the increase of the proportion of individual contributions (eventually to 8%), the unit contributions are reduced. When an employee retires, the accumulated amount in the personal account is divided by 120, which is the personal account pension when the employee retires. Personal account of employee's basic old-age insurance is one of the core contents of enterprise employee's basic old-age insurance system. The combination of social pooling and personal account is the concrete embodiment of deepening the reform of old-age insurance system in recent years.

Why should the old-age insurance premiums paid by enterprises be as important as the wages of employees?

Employees' wages are due labor remuneration, and retirees' pensions are also due treatment stipulated by national laws, both of which are equally important. Enterprise payment is the obligation and responsibility to establish endowment insurance relationship for employees of this unit. The payment of enterprises and employees is directly related to the treatment of employees after retirement. Therefore, according to the regulations of the state and the provincial government, as long as it is a unit that normally pays wages, it must pay the old-age insurance premium in full and on time, and there can be no idea of giving priority to it, and there can be no deliberate refusal or default. According to the relevant laws and regulations of the state, when an enterprise goes bankrupt, the endowment insurance premium that the enterprise should pay must also be paid as the first order when paying off its assets.

How to participate in the basic endowment insurance for laid-off workers after re-employment?

(1) Laid-off workers who originally participated in the social pooling of the basic old-age insurance of state-owned enterprises shall determine the actual payment period of the original social pooling of old-age insurance. Re-employment and payment of basic old-age insurance premiums in accordance with regulations, before and after the payment period (including deemed payment period) combined calculation, reaching the retirement age stipulated by the state, according to the provisions of the plan to pay retirement benefits.

(2) Laid-off workers who are diverted to other forms of non-public economy such as foreign investment, private enterprises and individual businesses should continue to participate in the social pooling of basic old-age insurance and pay the basic old-age insurance premium. The payment period is accumulated to 15 years. After reaching the retirement age stipulated by the state, you can receive a basic pension on a monthly basis.

What's the difference between payment period and continuous service? How to calculate the payment period?

Payment period and continuous service are two different concepts and cannot be confused. The payment period is the cumulative period for both the employer and the employee to pay the old-age insurance premium according to regulations, which is used to measure the length of the employee's payment period and is one of the bases for calculating the old-age benefits. Continuous length of service is the actual working years that can be calculated cumulatively according to national regulations, which is used to measure the length of working hours of workers. Continuous length of service has nothing to do with payment, so it cannot be used as the basis for calculating pension benefits. However, due to historical reasons, before the implementation of social endowment insurance, employees can calculate the continuous length of service according to state regulations, which can be regarded as the payment period. The years for employees to pay endowment insurance premiums in several different work units can be accumulated by stages, but the payment period cannot be calculated when payment is interrupted.

How to calculate and pay the pension for early retirees?

According to the document number. Document [2000] 13 issued by the Ministry of Labor and Social Security, the Ministry of Civil Affairs and the Ministry of Finance stipulates that when calculating the basic pension, except those who have engaged in special types of work, other early retirees will receive a reduction of 2 per year in advance. The calculation method is: basic pension = [basic pension+transitional pension+a certain proportion of subsidies and adjustment funds ]×[ 1- early retirement years× 2%]+personal account pension.

What is the adjustment system of basic pension?

The adjustment system of the basic pension, also called the normal adjustment mechanism of the basic pension, is basically to make appropriate adjustments to the basic pension on a regular basis according to a certain proportion of the wage growth of employees, so as to ensure that the living standards of retirees will not decline and share the consequences of economic development and social progress. The adjustment of the basic pension level shall be organized and implemented by the Ministry of Labor and Social Security and the Ministry of Finance with reference to the price index of urban residents' living expenses and the wage increase of employees on the job.

How is the actual payment period of all kinds of employees calculated?

The time for all kinds of employees to start calculating the actual payment should be consistent with the time for individual payment. That is, the recruitment date of newly recruited labor contract workers after the end of August 1984, the recruitment date of temporary workers before the end of February 1990, the recruitment date of temporary workers after March 1990, and the recruitment date of former national permanent workers.

What penalties will enterprises receive if they default or refuse to pay endowment insurance premiums?

According to the relevant regulations of the state and the province, enterprises that default or refuse to pay endowment insurance premiums will be punished as follows: First, from the date of default, an overdue fine of 2‰ of the unpaid amount will be added on a daily basis, and the administrative department of labor security will order them to pay within a time limit. Those who refuse to pay the old-age insurance premium and late payment fee within the time limit shall apply to the people's court for compulsory collection by the administrative department of labor security according to law. Second, all enterprises that are in arrears with old-age insurance premiums are not allowed to evaluate first, not to upgrade, and not to buy special goods such as cars and mobile phones. The third is to reduce the salary and bonus of the legal representative of the enterprise, and give economic punishment in accordance with the relevant provisions of the Interim Regulations on the Collection and Payment of Social Insurance Fees. The fine shall be paid by the individual and not reimbursed by the unit.

What is paid wages?

Payment of wages means that enterprises pay endowment insurance premiums to social insurance agencies on a monthly basis and in a certain proportion based on total wages and total personal income. The total wages are calculated according to the caliber stipulated by the National Bureau of Statistics, including: basic wages, hourly wages, piece-rate wages, various funds, overtime wages, price subsidies and various allowances.

According to the relevant policies and regulations, the insurance premium paid by individuals and the part paid by the company will all be credited to the employee's personal account. Therefore, if the old-age insurance premium is not paid in full according to the regulations, the amount credited to the personal account will be less, and the pension will be reduced in the future. Therefore, when enterprises declare payment, they must be responsible to their employees, and take their monthly salary as the payment base of their employees.

What are the payment methods of the employee's personal account?

(1) After the employees go through the retirement formalities according to the new method, they will be included in the personal account storage in the personal account pension in the basic pension paid monthly.

(2) When an employee dies after retirement and there is still a balance in his personal account, the individual contributions in the balance can be settled in one lump sum and collected by his legal heir or designated beneficiary.

(3) If an employee dies before retirement, the individual contribution in the amount stored in the individual account shall be collected by the legal heir or designated beneficiary in one lump sum, and the pension insurance relationship shall be terminated.

(4) After the employee goes abroad to settle down, the individual contribution in the personal account will be collected by himself in one lump sum, and the pension insurance relationship will be terminated.

What is the actual payment period?

The time limit for enterprises and individuals to jointly pay the basic old-age insurance premium in accordance with the provisions of social insurance agencies is called the actual payment period. Shijiazhuang City stipulates that1October 1993 1 pays individual contributions for regular employees, and employees under labor contract system start to pay from the month they start to work, and temporary workers start to pay from1990 February. The time when the above-mentioned employees start to pay the old-age insurance premium to the social insurance agency jointly by the units and individuals according to the regulations is called the actual payment period. When employees retire, the local social insurance agency shall record the actual payment period of employees according to the old-age insurance ledger and employee old-age insurance manual.

What is the deemed payment term?

The so-called deemed payment period refers to the continuous length of service or working years calculated in accordance with the relevant provisions of the state and province before the implementation of the endowment insurance system jointly paid by enterprises and individuals. Specifically, the fixed employees in Shijiazhuang refer to the continuous length of service before the end of 1992 12. The deemed payment period shall be approved by the labor administrative department at the same level.

How to calculate and pay the basic pension for "middle-aged people"

Before 1995 12 3 1 (that is, before the establishment of personal accounts), those who took part in the social pooling of endowment insurance and retired after the unification of the system are "middlemen". The basic old-age insurance for middle-aged people consists of four parts:

(1) Basic old-age insurance: the monthly standard is 20% of the average monthly salary of employees in the province in the previous year when they retire.

(2) Personal account pension: the monthly standard is the total personal account when employees retire divided by 120 months.

(3) Transitional pension: based on my indexed monthly average payment salary, the payment period before the end of 0995 (including deemed payment period) is multiplied by 1.4%.

(Note: The calculation method of my indexed monthly average payment salary is: divide the index of previous years by 1993 to my retirement years, then multiply the average salary of employees in the whole province in the previous year by the average index, and divide by 12, that is, my indexed monthly average payment salary. )

(4) A certain proportion of various living and price subsidies and adjustment funds.

Calculation formula:

Monthly basic pension = basic pension (20% of the average monthly salary of employees in the province in the previous year when employees retire)+personal account pension (the amount of personal account storage when employees retire ÷ 120)+ transitional pension (the payment period before the end of my indexed monthly average payment salary × 1995× 1.4%).

What rights should workers enjoy after participating in endowment insurance?

(1) Receive the basic pension and enjoy other old-age insurance benefits according to regulations;

(2) Inquire about the pension insurance payment records related to me;

(3) Require the provision of pension insurance policy consultation and other services;

(4) Apply for arbitration, administrative reconsideration or bring a lawsuit in accordance with the law regarding the dispute over the endowment insurance related to me;

⑤ Supervise the endowment insurance work of social insurance agencies;

⑥ Supervise the payment of enterprises.

How do individual employees pay fees and how do they plan to pay pensions?

Urban individual industrial and commercial households and individual employees participate in the basic old-age insurance, and the payment ratio is 16% of the average social wage of employees in the province last year. The owner's endowment insurance premium is paid by himself. The employee's endowment insurance premium is paid by himself, and the owner is 8%. Individual employees who have reached the national legal retirement age (men over 60 years old and women over 50 years old) and have paid 15 years, like employees in various enterprises, will receive basic pensions and personal account pensions on a monthly basis. The basic pension is calculated at 20% of the average wage of employees in the whole province in the previous year when I retire. The standard of personal account pension is the total amount of personal account divided by 120. If the payment is less than 15 years, the amount stored in the personal account (including interest) will be sent to me at one time, and the pension insurance relationship will be terminated.

What is the management of the endowment insurance fund?

The endowment insurance fund must be earmarked and deposited in the financial accounts, and the management of two lines of revenue and expenditure shall be implemented. This is a mechanism in which labor, social security, finance and banks are responsible for each other, with division of labor, orderly management and mutual restraint. Social insurance agencies are responsible for the collection of old-age insurance premiums and timely deposit them into the financial accounts of the old-age insurance fund opened by the financial department in the national commercial bank. Social insurance agencies according to the needs of pension payment, put forward a plan, after the approval of the financial sector, and then notify the bank through the financial accounts allocated to the social insurance agencies pension fund expenditure account, social insurance agencies from the fund expenditure account for payment. The financial, labor and social security departments at all levels are strictly prohibited from misappropriating funds to balance the finances.

Basic old-age insurance for those who die before or after retirement.

What should I do if my personal account is not fully collected?

Participate in the overall planning personnel died before or after retirement, the basic old-age insurance personal account storage has not been received, the remaining storage, by the unit into the social insurance fund; Individual contributions shall be distributed to other designated beneficiaries or legal heirs.

Which units should be included in the overall scope of endowment insurance for government agencies and institutions?

1. Party and government organs, including people's congresses, CPPCC, procuratorates and courts.

2. People's organizations, including democratic parties, trade unions, the Communist Youth League and women's federations.

3. Various institutions.

When the staff of government agencies and institutions are transferred in and out, they shall apply for endowment insurance.

What are the rules for the transfer of insurance relationship?

1 If it is transferred between institutions and institutions paying fees from the same social insurance institution, only the formalities for the transfer of the pension insurance relationship will be handled, and the formalities for the transfer of the pension insurance fund will not be handled.

2. When transferring across the scope of overall planning, according to JiLao [1998] No.47, JiLao 1997 is still implemented. That is, all deposits in personal accounts from the date of transfer 1996 1? Including interest? . After the transferred personnel go through the above procedures, they can go through the insurance procedures for the transferred personnel; The transfer-out personnel must go through the formalities of stopping insurance first, and then go through the formalities of transferring the pension insurance relationship and the pension insurance fund.

As the payment period?

Considered payment period: Before the implementation of the basic old-age insurance system in which enterprises and individuals jointly contribute, the continuous length of service calculated in accordance with state regulations can be regarded as payment period.

How to pay the endowment insurance premium?

How to pay the old-age insurance premium: enterprises pay the basic old-age insurance premium for employees based on the total salary of the month. The base of employees' individual salary is the total monthly salary, but when the monthly salary of employees is higher than 300% of the average monthly salary of employees in the province last year, it will be paid at 300% of the average monthly salary of employees in the province last year, which is lower than 60% of the average monthly salary of employees in the province last year.

What are the retirement conditions for employees?

Retirement conditions of employees: 1. Payment period? Including deemed payment period? Must be 15 years old or older; The second is to reach the national statutory retirement age. 72? Retirement age stipulated by the state: normal retirement age: 60 for men, 55 for female cadres and 50 for female employees. Engaged in special types of work? Engaged in toxic and harmful operations for more than 8 years, high-temperature underground operations for more than 9 years, and high-altitude special operations 10 years? The retirement age is 55 for men and 45 for women. After identification, men who have completely lost their ability to work due to illness quit their production posts, and women who have reached the age of 50 or 45.

After the death of an on-the-job employee or retiree, the individual contribution part of the individual account balance can be inherited,

/kloc-Can individual contributions before 0/995 be inherited?

After the death of an on-the-job employee or retiree, the individual contributions in the personal account balance can be inherited. /kloc-Can individual contributions before 0/995 be inherited? Individual contributions made before 1995 cannot be inherited, because the time to set up individual accounts in our province began on 1996 1 month 1 day, and the individual contributions before that have entered the social pooling fund together with the enterprise contributions.

How can people who meet the preferential treatment of retirement fee issue additional basic pensions?

How to issue additional basic pensions for those who meet the preferential treatment of retirement fees;

Before 1994, 10, and 3 1, those who have won the model workers at or above the provincial level, the third prize of national scientific and technological progress, and the second prize of provincial and ministerial scientific and technological progress, who still retain their honor when they retire, can receive an additional basic pension of 3%-9%. The specific proportion of additional payment is: if the standard salary is increased by 5% according to the old method stipulated in the document, the new method can be adopted. If the old method increases the standard salary 10%, the new method can increase the basic pension by 6%; The old way to raise the standard wage15%; The new method can increase the basic pension by 9%.

About personal accounts?

About personal accounts:

Personal accounts are used to record the basic old-age insurance premiums paid by employees who participate in the basic old-age insurance, the part included in the enterprise payment according to the prescribed proportion and all interest. Personal account is the main basis for calculating basic pension when employees retire.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.