Opinions on several issues concerning the payment of social insurance premiums

Knowledge of social endowment insurance

Who should be particularly clear about continuing to pay endowment insurance premiums?

Article 74 of the Opinions of the Ministry of Labor on Several Issues Concerning the Implementation of the Labor Law of People's Republic of China (PRC) (No.309 issued by the Ministry of Labor [1995]) stipulates: "The social insurance premiums of surplus employees, long-term leave employees, long-term sick leave employees, expatriates and paid school students in enterprises shall continue to be paid by the original units and individuals, and the payment period shall be calculated during the payment of insurance premiums."

What should I do if the employees transferred from different places have not transferred the endowment insurance fund?

According to the regulations of Guangdong Province, workers transferred from other places who have not transferred the endowment insurance fund shall be dealt with according to Item 4 of Article 3 of the Notice of Guangdong Social Insurance Bureau on Social Endowment Insurance for Provincial, Central and Military Units in Guangzhou (Guangdong Social Security Letter [1994] 197), that is, "1993 before the end of the year. After 1994, 65438+ 10, 1, the old-age insurance premium must be transferred to the provincial, central and military units in Guangzhou due to work needs, otherwise the old-age insurance premium must be paid back from 1994+ 10/0, and the payment standard is based on the fund of the current year. Two funds (units and individuals) have not been transferred, and the units and individuals will repay them at the same time; If it is only transferred to individual payment, the unit will pay it back. "

How to determine the monthly standard of basic pension at retirement?

Calculated according to 20% of the average monthly salary of employees in the city last year.

How to calculate and pay personal account pension?

The monthly standard of personal account pension is the amount of personal account storage (including interest) divided by 120.

Can employees withdraw personal account deposits in advance before retirement?

Personal account storage is only used for employee pension, and may not be withdrawn in advance.

How to transfer the endowment insurance fund when employees are transferred?

When employees are transferred, personal accounts will be transferred.

How is the personal account of the insured constituted?

Set up a personal account according to 1 1% of the insured's monthly salary. Among them, all the endowment insurance premiums paid by the insured are included in the personal account, and the rest are included in the unit payment.

What are the conditions for receiving a basic pension on a monthly basis after retirement?

After the qualification examination by the social insurance department, the insured receives the pension on a monthly basis until his death: (1) 1998, and reaches the statutory retirement age after joining the work, with the cumulative payment period of15; (2) 1. 0998 before July (excluding today), reaching the statutory retirement age, and accumulated payment years 10 year.

Can the insured continue to receive pension after retirement and settlement abroad?

After the insured retires and settles abroad, the social insurance department will continue to pay the pension.

What are the rules for a one-time refund of personal account deposits?

If the insured dies before leaving the country to settle down or retire, the amount stored in the personal account will be returned to the insured, and the pension insurance relationship will be terminated; When the insured person dies, the amount stored in the personal account shall be returned to his legal heir. If there is no legal heir, it shall be transferred to the social endowment insurance fund. (The above content is taken from Guangdong Social Security Bureau, "What do you know about social insurance? )

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