Payment standard of basic endowment insurance for urban workers

First, the basic old-age insurance payment standard for urban workers:

1, payment base and payment proportion of the employer:

(1) Regarding the payment base, some places take the total wages of enterprises as the payment base, such as Liaoning, Jilin, Henan, Zhejiang and other provinces and cities; In some places, the total wages of all employees are taken as the base, such as Beijing, Tianjin, Shenzhen and other provinces and cities.

(two) the proportion of the basic old-age insurance premium paid by the employer shall generally not exceed 20% of the total wages of the enterprise, and the specific proportion shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the central government. At present, the contribution rate of employers in Liaoning Province is 2 1%. The social insurance premiums paid by the employer are included in the basic old-age insurance pooling fund, which is used to pay the basic old-age insurance benefits in the current period, and pay as you go.

2, employee individual payment base and payment ratio:

(1) The individual employee pays 8% of his/her contribution salary, which is included in his/her personal account, and the contribution salary is his/her average monthly salary in the previous year.

(two) the average monthly wage exceeds the average wage of local employees by more than 300%, which is not included in the individual contribution base; If it is lower than 60% of the average wage of local employees, the payment wage base shall be calculated at 60%.

(3) All the endowment insurance premiums paid by employees are included in personal accounts, forming a personal account fund for paying personal account pensions after retirement.

(4) At present, personal accounts are actually "empty accounts", and the income is calculated according to the one-year deposit interest rate every year. Liaoning has been trying to set up a personal account since 200 1.

Second, the concept of basic old-age insurance for urban workers:

(1) The basic old-age insurance for employees in urban enterprises is actually what we often call employee old-age insurance. It is a system enforced by the state through legislation to ensure that workers get basic living security when they lose their ability to work in old age.

(two) the basic old-age insurance for enterprise employees shall be combined with social pooling and individual accounts, and the expenses shall be paid jointly by the enterprise and the employees themselves according to a certain proportion of the employees' income.

(3) Mandatory, indemnificatory, mutually beneficial and welfare.

Three, how much money can employees in urban enterprises receive:

Retirement benefits are related to the payment base and the average salary of the year.

Divided into two parts, basic pension and personal account pension.

(1) basic pension: (local average wage+local average wage * payment index 0.6)÷2× payment period15×1%;

(2) Personal account pension = (individual contribution base × 8 %× 65438+February×15), and the number of payment months is 139.

Suppose an individual chooses the minimum payment base of 3800 and retires at the age of 60 to receive a pension. The local average wage is 6333 yuan, and the individual contribution is 15 years. Retirement benefits at the age of 60 are: (6333+6333× payment index 0.6)÷2× payment period 15× 1% = 760 yuan; Personal account pension: (3800× 8 %× 65438+February×15), monthly payment 139 = 394 yuan, and the pension at the age of 60 is about 1 154 yuan/month.

Four, the conditions for receiving a pension:

1, the age has reached the legal retirement age in China, and the corresponding retirement procedures have been handled according to regulations.

2, units and individuals have participated in the endowment insurance in accordance with the provisions of the insurance law, and paid the endowment insurance premium.

3. The accumulated payment period of endowment insurance must reach 15 and above. Those who have reached retirement age and not reached 15 or above may choose to continue to pay fees until 15 is paid.

Verb (abbreviation of verb) How to register for social insurance;

1, the payer must go to the local social insurance agency for social insurance registration and participate in social insurance.

2. The registered items include: name, domicile, business place, unit type, legal representative or person in charge, account number of the bank where the account is opened, and other matters stipulated by the administrative department of labor and social security of the State Council.

3. The employer shall, within 30 days from the date of obtaining the business license or establishment, register with the following documents:

(1) Business license, certificate of approval for establishment or other approved practice certificates;

(2) the unified organization code certificate issued by the national quality and technical supervision department;

(3) Other relevant documents and materials stipulated by provincial social insurance agencies.

4. Urban individual industrial and commercial households provide business licenses, ID cards and photocopies of themselves and employees, and two one-inch bareheaded photos.

5. Freelancers and flexible employees should provide their ID cards and photocopies, urban residence certificates, employment unit certificates and two one-inch bareheaded photos; The renewal personnel need to provide the procedures for terminating the labor relationship with the original unit and the endowment insurance manual.

Legal basis:

People's Republic of China (PRC) Social Insurance Law Article 22 The State establishes and improves the social endowment insurance system for urban residents.

The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may, according to the actual situation, combine the social endowment insurance for urban residents with the new rural social endowment insurance.

Article 12 of the Social Insurance Law of People's Republic of China (PRC), the employing unit shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

"Social Insurance Law of People's Republic of China (PRC)" Article 16 Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.