Grade and amount of endowment insurance for urban and rural residents in Chengdu

Grade and amount of endowment insurance for urban and rural residents in Chengdu:

1, grade of endowment insurance for urban and rural residents in Chengdu:

At present, Sichuan has adjusted the payment grade of local urban and rural residents' endowment insurance. From the previous annual payment grades of 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2,000 yuan, 3,000 yuan and 4,000 yuan, it increased by 5,000 yuan. In this way, the payment grade of endowment insurance for urban and rural residents in Sichuan has reached 15, and everyone can choose different payment grades according to their personal economic conditions.

2. Amount received:

(1) If you pay according to the lowest payment grade in 200 yuan 15 years, then the personal account balance of pension insurance is 3,600 yuan, and the personal account pension you get is 3,600 yuan/139=26 yuan, plus the basic pension is 105 yuan, which is1.

(2) If you pay according to the highest payment grade of 6,000 yuan 15 years, then the personal account balance of pension insurance is 94,200 yuan, and the personal account pension you get is 94,200 yuan/139 = 678 yuan, plus the basic pension 105 yuan, which is 783 yuan in total.

Second, the concept of endowment insurance:

1. Endowment insurance is a social insurance system established by the state in accordance with the provisions of relevant laws and regulations to ensure that workers reach the working age limit stipulated by the state, terminate their labor obligations or retire from their jobs because of old age. The purpose is to ensure the basic needs of the elderly through social insurance and provide them with a stable and reliable source of life.

2. Old-age insurance will take effect automatically only after the elderly within the legal scope "completely" or "basically" withdraw from social labor life. The so-called "complete" is characterized by the separation of workers from the means of production; The so-called "basic" means that participation in production activities has not become the main content of social life. The legal age limit is a practical measure.

3. At the same time, the insured can only meet the following two conditions, namely: meeting the retirement conditions stipulated by the state and handling relevant procedures; According to the provisions of the basic old-age insurance premium accumulated payment period of 15, approved by the administrative department of labor and social security, can receive a monthly basic pension and funeral subsidies.

Three, the main contents of endowment insurance:

1, China's endowment insurance consists of four levels (or parts).

(1) The first level is the basic old-age insurance;

(2) The second level is enterprise supplementary endowment insurance;

(3) The third level is personal savings endowment insurance;

(4) The fourth level is commercial endowment insurance.

In this multi-level old-age insurance system, the basic old-age insurance is the first and highest level.

2. Basic old-age insurance:

(1) Basic old-age insurance (also known as national basic old-age insurance) 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 terminate their labor obligations after reaching the national working age limit or quit their jobs because of old age. The basic old-age insurance is based on the principle of ensuring the basic livelihood of retirees.

(2) It is mandatory, mutually beneficial and social.

(3) It is enforced by national legislation, and both enterprises and individuals must participate in it and shall not violate it; Mutual assistance is reflected in the source of endowment insurance expenses, which are generally shared by the state, enterprises and individuals, and are used and paid uniformly, so that employees of enterprises can get living security and realize extensive social mutual assistance; Sociality is reflected in the great influence of endowment insurance, the large number of people enjoying it for a long time and the huge cost.

3, enterprise supplementary pension insurance:

(1) Supplementary endowment insurance for enterprises, also known as enterprise annuity, is implemented by national macro-control and internal decision-making of enterprises. It refers to an auxiliary endowment insurance voluntarily established by enterprises for employees based on their own economic affordability and participation in basic endowment insurance.

(2) Supplementary endowment insurance is an enterprise behavior. Enterprises with good benefits can be insured more, while enterprises with poor benefits and losses can not be insured. The implementation of enterprise annuity can enable resigned old employees to obtain a higher level of basic pension, which is conducive to stabilizing the workforce and developing enterprise production.

4, personal savings pension insurance:

(1) Employee's personal savings endowment insurance is an integral part of China's multi-level endowment insurance system, and it is a supplementary insurance form in which employees voluntarily participate and choose their own agencies.

(2) The purpose of implementing employee personal savings endowment insurance is to expand the sources of endowment insurance funds, raise endowment insurance funds through multiple channels, and reduce the burden on the state and enterprises; It is conducive to eliminating the long-standing concept that insurance costs are entirely borne by the state, and enhancing employees' awareness of self-protection and their initiative to participate in social insurance; At the same time, it can also promote extensive mass supervision of social insurance work.

5. Commercial endowment insurance:

(1) Commercial endowment insurance is a long-term life insurance with the main purpose of obtaining pension. It is a special form of annuity insurance, also known as endowment insurance, and a supplement to social endowment insurance.

(2) The insured of commercial endowment insurance starts to receive pension from a certain age after paying a certain insurance premium. In this way, although the income of the insured is reduced after retirement, he can still maintain his pre-retirement living standard with the help of the pension.

(3) For commercial endowment insurance, unless otherwise specified, the time interval for the insured to pay the insurance premium is equal, the amount of the insurance premium is equal, the interest rate remains unchanged throughout the payment period, and the number of interest-bearing times is equal to the number of payment times.

Fourth, the basic role:

1, old-age insurance is based on the living security of the elderly, and an insurance fund is established through redistribution or savings to pay the living expenses of the elderly. Its implementation has the following functions:

(1) is conducive to ensuring labor reproduction.

The establishment of the old-age insurance system is conducive to the normal intergenerational replacement of the labor force, the retirement of the elderly, the smooth employment of the newly growing labor force and the rationalization of the employment structure.

(2) Conducive to social security and stability.

Endowment insurance provides basic living security for the elderly and makes them feel safe. With the arrival of the aging population, the proportion of the elderly population is increasing and the number is increasing. Old-age insurance guarantees the basic life of elderly workers, which is equivalent to ensuring the basic life of a considerable number of people in society. For on-the-job employees, participating in endowment insurance means that they have expectations for their future old-age life and are free from worries. In terms of social mentality, more people are stable and less impetuous, which is conducive to social stability.

(3) It is conducive to promoting economic development.

The pension insurance system designed by many countries links fairness with efficiency, especially the partial accumulation and complete accumulation pension fund raising model. The amount of pension received by workers after retirement is directly related to their wage income and payment during their on-the-job work, which can undoubtedly stimulate workers to work actively during their on-the-job work and improve efficiency.

2. In addition, because the pension insurance involves a wide range and a large number of participants, a large amount of pension insurance can be raised in the operation, which can provide a huge source of funds for the capital market, especially the fund-based pension insurance model. The accumulation of funds in personal accounts is calculated in ten years, which makes the pension fund larger and provides more funds for the market. Through the operation and utilization of large-scale funds, it is conducive to the state's macro-control of the national economy.

3. In China, before 1990s, the employees of enterprises implemented a single old-age insurance system. 199 1 "the State Council's decision on the reform of the old-age insurance system for enterprise employees" clearly stated: "With the development of economy, a system combining basic old-age insurance with enterprise supplementary old-age insurance and employee personal savings old-age insurance will be gradually established". Since then, China has gradually established a multi-level pension insurance system.

The main features of verbs (the abbreviation of verb):

1. National legislation is mandatory, and all enterprises, units and individuals must participate. Those who meet the conditions for providing for the aged can go to the social insurance department to receive a pension.

2. The source of endowment insurance expenses is generally shared by the state, units and individuals, or by units and individuals to achieve extensive social mutual assistance.

3. Endowment insurance is social, with great influence, large number of people enjoying it for a long time and huge cost. Therefore, it is necessary to set up specialized agencies to implement unified planning and management of modernization, specialization and socialization.

(1) The establishment of the old-age insurance system is conducive to the replacement of old and new and the rationalization of employment structure; Providing the elderly with basic living security and a sense of security is an important measure to deal with the aging population and is conducive to social stability; It can inspire young people to forge ahead, raise wages, provide security for their retirement and help promote economic development from the side.

(2) The problem of providing for the aged is not only a social problem, but also a global problem, which is related to the economic and civilized development of a country or society and needs our sufficient attention. Because the old-age insurance is implemented in a wide range, the insured enjoys treatment for a long time and the cost is huge, therefore, the government must set up special institutions to unify legislation, formulate rules, manage and implement in the whole society.

Legal basis:

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

"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.