How can I enjoy the old-age insurance if the urban old-age insurance (urban insurance) of Shanghai hukou is not paid in full 15 years?

How can I enjoy the old-age insurance if the urban old-age insurance (urban insurance) of Shanghai hukou is not paid in full 15 years? If the urban endowment insurance (urban insurance) of Shanghai hukou has not been paid for 15 years, if you have worked for more than 92 years, then if you have paid for 5 years but not for 15 years, what age will it be? When you can make up to 15 years at one time, and then apply for retirement; If you have no working experience before 92 years and have not paid 15 years by the statutory retirement age, you can continue to pay until you reach 15 years. Of course, if you don't want to pay it again, you can transfer to the residence insurance (urban hukou) or the new rural insurance (rural hukou) for retirement.

First, the general pension insurance must be paid for 15 years and reach the legal retirement age before you can enjoy pension benefits. However, the longer the payment period, the more the payment amount, and the more the future pension, and vice versa.

Second, the pension insurance must be paid at least 15 years, and you can enjoy the pension for life until retirement. If you are a male, it is exactly 15 years from now to retirement, and you can guarantee to receive a pension every month after retirement; If you are a female (retired at the age of 50 or 55) and haven't paid 15 years by the time of retirement, you can apply for an extension of retirement to pay the unexpired years. After the formal retirement formalities, your monthly pension will not be affected. If you don't want to postpone retirement, you can also choose to pay in one lump sum.

Urban registered permanent residence endowment insurance can.

How do foreign employees in Shanghai enjoy the old-age insurance after paying the urban old-age insurance? Among the five risks:

15 years of urban endowment insurance, and you can receive a monthly pension when you retire. You can continue to hand it in if you stop now, or you can hand it in if you work in Shanghai or other places. It can be transferred to the social security center where the household registration is located, credited to the personal account, and collected at the retirement place.

Pay medical insurance and send you a social security card to see a doctor.

Unemployment insurance needs to be paid cumulatively 12 months to get it. If you pay 1 year, you can charge for two months, and so on.

Work injury and maternity insurance must occur in order to enjoy treatment.

All the above insurances should be treated as qualified and cannot be taken out at will.

20 15, the person who has paid 15 old-age insurance, the 46-year-old urban registered permanent residence, and the second-class disabled person can retire early and enjoy the national old-age insurance? The regulations of the Social Security Bureau for retirees are as follows: First, the paid 15 year premium (including the payment period); Second, men are 60 years old and women are 50 years old; Third, they are special workers, that is, those who have been engaged in high-temperature operations, offshore operations and toxic and harmful underground operations for more than nine years and have applied for other treatment for disability, regardless of age.

How to enjoy old-age insurance, medical insurance and unemployment insurance after paying urban insurance in Shanghai? Did your company lie to you? Foreign urban hukou participates in social life insurance (referred to as social security), and foreign rural hukou participates in basic social insurance for urban workers (referred to as urban insurance).

Since it is a foreign town hukou, you should pay social security. Now many units take advantage of this loophole. If employees are unclear, they will prevaricate their employees and pay less for urban insurance. This is my unit. In mid-July, you came to me and told me that "I will transfer my comprehensive insurance to urban insurance from July" (I am a foreign town hukou). Bah ~ I didn't say anything at that time. The next day, I put the account book in front of the personnel manager and said, "Manager, I'll go." It seems that you can pay social security. "The manager immediately smiled and said," Hey, I brought all the household registration books, so please copy them to the little girl who handles insurance. " Five minutes after the copy was handed in, my aunt replied to me, "I'll give it back to you, but I don't want the copy. Just have a look." "I'm dizzy ~ you see the company is taking advantage of loopholes. Fortunately, I did my homework and tried to take advantage of me, huh ~

City insurance (pay 3 risks, 1 gold: pension, medical care, work injury+provident fund)

Social security (1 paying five insurances: 8% for old-age care, 2% for medical care, 1% for unemployment, 0% for work injury, 0% for maternity insurance +7% for provident fund) * * Yes 18%.

It is 18% of your own salary, and the company will give you 18% of your salary. Oh, it's not 18% from both sides, but 18% from both sides. You don't have to pay for the work-related injury, but the company can give you money.

Urban hukou endowment insurance The endowment insurance fund for urban residents is mainly composed of individual contributions and subsidies. At present, the payment standard is set at 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 100 yuan and 10 grade, and all localities can add payment grades according to actual conditions. Insured people choose their own grades to pay, and pay more.

The local people * * * subsidize the payment of the insured, and the subsidy standard is not less than 30 yuan per person per year; Those who choose a higher standard of payment may be given appropriate encouragement, and the specific standards and measures shall be determined by the people's governments of all provinces (autonomous regions and municipalities). For groups with payment difficulties such as severely disabled people in cities and towns, local people will pay part or all of the minimum standard old-age insurance premium.

The state establishes an individual endowment insurance account for each insured person, which is recorded for life. Pension treatment consists of basic pension and personal account pension, which is paid for life. The basic pension standard set by the central government is 55 yuan per person per month.

Urban residents who have participated in the endowment insurance for urban residents can receive a monthly pension at the age of 60. When the old-age insurance system for urban residents was implemented, they were over 60 years old and did not enjoy the basic old-age insurance benefits for employees and other old-age benefits stipulated by the state. They can receive a basic pension on a monthly basis without paying fees; If the age is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.

In fact, there is no question of cost performance. I choose to pay more, mainly considering that life is calmer and more comfortable when I support the elderly. Moreover, according to the regulations, even if you don't reach a certain age, the money in your personal account can be withdrawn.

Reference:

1. If a person dies while receiving a pension, his/her personal account balance (except some subsidies) can be inherited according to law, and his/her designated beneficiary or legal heir shall go through the relevant formalities at the human resources and social security service center of his/her township (town) within 60 days after his/her death and terminate the pension insurance relationship.

2. Monthly pension = monthly basic pension (55 yuan)+total personal account (individual contributions, * * subsidies and interest) divided by 139, the average life expectancy in China is 7 1.6 years old, from 60 years old to 7 1.6 years old, individual contributions and * *. So 139 is the result of (7 1.6 years minus 60 years) * 12 months.

How to buy old-age insurance for urban hukou;

The insured holds his identity card and opens a special passbook in the Bank of Beijing where his account is located. According to the payment standard of the year, deposit the insurance premium payable into a special passbook and sign a bank withholding agreement.

The new insured person can fill in the 1 to 10 enrollment information form every month at the street social security office where the household registration is located with his household registration book, ID card and special passbook. If you continue to pay, you can fill in the payment confirmation form at the street social security office where your account is located with your ID card and special passbook from 1 to 10 every month.

The payment time of endowment insurance for urban and rural residents is from April/kloc-0 to February 1 0 every year. For the insured who has reached the age of collection in that year, the insurance premium of that year can be paid within the payment time of that year.

Social endowment insurance for urban residents is an endowment insurance system covering non-employees with urban household registration. This system, together with the urban workers' endowment insurance system and the new rural social endowment insurance system, constitutes the social endowment insurance system in China.

Urban housing has two outstanding characteristics:

First, the source of funds for urban housing insurance is not only individual contributions, but also subsidies for the insured. The more individual contributions, the more subsidies, and all individual contributions and subsidies are included in the insured's personal account.

Second, the pension of urban residential insurance consists of two parts: personal account pension and basic pension. The level of personal account pension is determined by the amount of account storage, that is, the total amount of individual contributions and subsidies; The basic pension is paid in full by * * * *.

After paying endowment insurance in rural areas for 5 years, the registered permanent residence moved into cities and towns. I have paid endowment insurance in urban units. Can rural endowment insurance be transferred to cities and towns? How should I turn?

Go to your local agricultural insurance bureau to handle the transfer, and after transferring to the social security bureau, it is estimated that you will have to pay the fee.

How to pay the old-age insurance for urban registered permanent residence The old-age insurance for urban registered permanent residence consists of individual contributions and subsidies.

The minimum personal payment standard is 100 yuan per person per year, so that residents with lower incomes can also participate in the insurance. For groups with payment difficulties such as severely disabled people in cities and towns, local people will pay part or all of the minimum standard old-age insurance premium.

Considering that the income level and payment ability of urban residents are generally higher than those of rural residents, there is a demand for overpayment, so the payment standard is set at 100 yuan to 1000 yuan, which is five files more than the new rural insurance.

In areas where urban and rural residents' old-age insurance systems are unified, the insured can choose from multiple files regardless of urban and rural areas, which is more "flexible" and is conducive to meeting the needs of groups with different income levels. Local governments can also increase the payment level according to the actual situation.

The local subsidy standard for urban residents' insurance payment is not less than 30 yuan per person per year. The minimum standard of basic pension determined by the central government is currently 55 yuan per person per month. According to this standard, the central government will fully subsidize the central and western regions, and the eastern region will be subsidized by half. The state will adjust the minimum standard of basic pension in a timely manner according to economic development and price changes.

Individual contributions of urban residents, local subsidies to the insured and contributions from other sources are all credited to individual accounts, and real account management is implemented.

When the insured person dies, the fund balance in the personal account can be inherited according to law. In addition to the * * * subsidy, the * * subsidy balance can be used to continue to pay the pensions of other insured persons. At present, the amount stored in personal accounts bears interest every year with reference to the one-year deposit rate of RMB in financial institutions announced by the People's Bank of China.