Can the pension insurance for retirees in public institutions be transferred?

Introduction of pension insurance transfer policy

The Interim Measures for the Transfer and Continuation of the Relationship of Basic Old-age Insurance for Employees in Urban Enterprises shall come into force on June 0, 20 10, and be issued to the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government, ministries and commissions of the State Council, and institutions directly under it, Ministry of Human Resources and Social Security and the Ministry of Finance with the consent of the State Council. Because every city and place has its own pension regulations, the implementation will be different. When the State Council issued this method, it was emphasized that all localities should conscientiously implement it in light of their own reality!

The main contents of this method include: all employees who participate in the basic old-age insurance of urban enterprises, including migrant workers, can transfer the basic old-age insurance relationship when they are employed across provinces; While transferring the amount of personal account storage, it also transfers some units to pay fees; The payment period of the insured in various places is calculated together, and the accumulated amount of individual accounts is calculated together, and migrant workers are treated equally.

The introduction of this method is an important measure to improve the social security system covering urban and rural residents, and it is an act to protect and improve people's livelihood and promote social fairness and harmony, which is related to the vital interests of the insured. The CPC Central Committee and the State Council attached great importance to this.

Interpretation of pension insurance transfer policy

If you participated in the old-age insurance for urban workers when you were working in a foreign country, and now you are working in another city, your old-age insurance relationship can also be transferred with the population flow. Before the promulgation of the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance Relationship for Employees in Urban Enterprises, this old-age insurance relationship cannot be transferred. These Measures shall apply to all persons who participate in the basic old-age insurance for employees of urban enterprises, including migrant workers. Those who have received basic old-age insurance benefits according to state regulations will no longer transfer the basic old-age insurance relationship.

First, transfer 12% units to pay fees in different places, without running around.

China's basic old-age insurance system combines social pooling with individual accounts, and employers and individuals pay the same fees. In the past, the insured person transferred the pension insurance relationship across regions, only to the personal account, not to the unit to pay. Judging from the actual situation, the transfer-in place should bear the responsibility of issuing basic pensions for the transferred personnel in the future, and it will not be paid by the unit at all, so the financial pressure of long-term payment is even greater.

Considering the balance of funds between the transfer-in place and the transfer-out place, and between the current period and the long term, the Measures stipulate that the insured person will transfer 12% of the unit payment in addition to transferring the employment personal account across provinces. At present, the unit rate in most areas is 20% of the wage base, and in a few areas it is less than 20%. In this way, most of the unit contributions are transferred to the transfer place with the inter-provincial mobile employment, which reduces the pressure of long-term capital payment in the future; A small part of the unit payment is reserved for the transfer place to ensure the current basic pension payment.

It is time-consuming and laborious to let the floating insured travel to and from different regions to handle the transfer and connection procedures of the basic old-age insurance relationship. The "Measures" stipulate that when migrant workers leave the original insured place, the social security agency shall issue a unified style of insurance payment voucher; After the insurance payment in the new employment place, as long as the application for transfer and continuation is filed, all procedures will be handled by the relevant social security agencies in the two places. At the same time, Ministry of Human Resources and Social Security has also published the contact information of all social security agencies at or above the county level for relevant personnel to inquire about their insurance payment and transfer information.

Second, clear treatment, migrant workers do not need to "surrender".

According to the principle of "uniqueness", the "Measures" determine the responsibilities of the relevant areas in turn, that is, when the domicile of the insured person is the same as that of the last insured place, he shall go through the formalities of receiving benefits at the domicile and enjoy the basic old-age insurance benefits; Where the domicile is inconsistent with the last insured place, those who have been insured at the last insured place for 10 years will receive treatment at the last insured place; Those who have been insured for less than 10 years in the last insured place shall be pushed forward in turn to the insured places with 10 years to go through the formalities for receiving benefits; Those who have been insured for less than 10 years in various places shall go through the formalities for receiving benefits at the place where their household registration is located. This will help to eliminate the phenomenon that in the past, due to unclear responsibilities between regions, individual transfer and transfer often shirked each other. In short, every insured person who has paid more than 15 years can receive a basic pension in one place.

Third, multi-site insurance, pension calculation is unified throughout the country.

The basic pension for employees of urban enterprises in China includes basic pension and personal account pension. Among them, the personal account pension is calculated by dividing the accumulated savings in my personal account by a certain coefficient, which is the same for migrant workers and workers with stable employment. As long as you pay more and have more savings in your personal account, this part of the pension level will be high. Calculation of basic pension, that is, calculate the payment wage index according to the corresponding relationship between my last year's payment wage and the average wage of local employees in each year, so as to calculate my indexed payment wage, and then calculate the average value based on the average wage of local employees in the previous year as the base for calculating basic pension; Pay 15% of the base when paying 1 5 years, and pay 1% when paying1year. The method adheres to this calculation method, but further clarifies that the annual payment wages of migrant workers in each insured place are calculated according to the average wages of employees in each year corresponding to the final treatment. This not only ensures the unification of national policies, but also is a relatively simple method.

For migrant workers who do not return to the city for employment after returning home, the general principle stipulated in the Measures is that their insurance payment records and personal accounts in cities and towns are all valid; If the accumulated payment period is over 15 years or more, after reaching the national statutory retirement age, the basic pension can be calculated and paid like urban workers; Do not meet the prescribed conditions, you can also transfer the relevant rights and interests records and funds of urban insurance to the new rural social endowment insurance system; In short, it is to prevent their existing rights and interests from being damaged. However, in view of the fact that the new rural endowment insurance system has just begun to be piloted, the state will separately study and formulate specific policies for the convergence of urban and rural migrant workers' endowment insurance.

With the aggravation of aging in China, the problem of providing for the aged is becoming more and more serious. Therefore, the purpose of this method is to solve the problem of providing for the aged in China. The implementation of the old-age insurance method is related to everyone's old-age care, so it is very necessary to interpret the policy in detail!

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