Dengzhou city social security has been paid back for 15 years.

Insurance Bian Xiao helps you answer, and more questions can be answered online.

First, the scope of insurance

All urban and rural residents who have reached the age of 16 (excluding students in school), have agriculture and non-agricultural registered permanent residence, and have not participated in the old-age insurance for urban workers and institutions can participate in the social old-age insurance for urban and rural residents.

Second, the payment standard

At present, it is set at 100 yuan per person per year, with 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 2000 yuan and 12 grades. The insured can choose their own grades to pay, and the superior finance subsidizes each insured 30 yuan every year.

Third, the provisions of the payment period

People aged 65-438+06-44 should pay the fee every year. At the age of 60, the accumulated payment shall not be less than 15 years; People aged 45-59 have to pay insurance premiums year by year, and they are also allowed to pay them back, but the part paid back does not enjoy government subsidies. When they reach the age of 60, the accumulated payment shall not exceed 65,438+05 years. For example, if someone is 55 years old and wants to pay it back, it will be 10 years at most, but not more.

Iv. Personal account and its interest calculation

Since the date of enrollment, the urban and rural social endowment insurance management center has established a personal account for lifelong endowment insurance for each insured person. Individual accounts consist of individual contributions, collective subsidies, government subsidies and interest. At present, the interest rate is calculated with reference to the one-year RMB deposit rate published by the People's Bank of China every year, with simple interest calculated during the year and compound interest calculated according to the deposit amount year by year.

Verb (abbreviation of verb) pension benefits and conditions for receiving them

1. When the government implements it, urban and rural residents who have reached the age of 60 and have not enjoyed the basic old-age insurance for urban workers and the old-age insurance for government agencies and institutions do not need to pay fees, but they can directly receive the monthly basic pension in 60 yuan and pay it for life. However, children of rural residents who meet the insurance conditions must choose their own payment grades to pay for insurance.

2. Those who are under the age of 15 from the age of 60 must pay the fee annually, and they are also allowed to pay back. The overdue part does not enjoy government subsidies, and the accumulated payment does not exceed 15 years. Those who are over 15 years away from the age of 60 shall be paid annually, and the accumulated payment shall not be less than 15 years. After reaching the age of 60, you can receive a monthly pension from the next month.

Sixth, the pension standard

The monthly pension amount is equal to the sum of the basic pension plus the personal account storage amount divided by 139. Monthly pension calculation formula: monthly pension = basic pension+all savings in personal account ÷ 139.

The basic pension is 60 yuan per person per month, of which: the central government subsidizes 55 yuan and the municipal government subsidizes 5 yuan.

Total amount of personal account storage = total amount of individual contributions+accumulated amount of financial subsidies at higher levels+accumulated amount of collective subsidies+accumulated amount of interest over the years.

For example, when someone is over 45 years old, he pays 1 000 yuan annually, and when he is over 60 years old, he pays 1 cumulatively, 500 yuan, and cumulatively subsidizes 450 yuan. If there is no collective subsidy, the bank interest will be temporarily calculated at the current one-year fixed interest rate of 3.5%, and the basic pension will not be adjusted for the time being. The total deposit in personal account is 1500 yuan +450 yuan +598 yuan, with interest of 2,548 yuan. According to the current standard, the monthly pension amount that the person should receive at the age of 60 is = 60 yuan +2548÷ 139=78.33 yuan.

Seven, the old-age insurance fee refund method

1. If the insured dies during the payment period, the endowment insurance premium paid by the individual (except government subsidies) can be paid to the legal heir or designated beneficiary in one lump sum.

2. If the insured dies during the pension period, the fund balance in his personal account shall be paid to the legal heir or designated beneficiary in one lump sum, except for government subsidies.

Eight, the transfer of pension insurance relationship

If the registered permanent residence moves to a different place, it shall be applied by me, and the social endowment insurance management center of urban and rural residents will transfer the endowment insurance relationship together with the personal account funds to the endowment insurance agency of urban and rural residents in the place where it moves. If the insured person flows between townships (towns) in our city, only the pension insurance relationship will be transferred.

Nine, the benefits of children's annual payment

First, you can enjoy the annual government subsidy from the higher-level finance in 30 yuan; Second, the longer the payment time, the more personal accounts accumulate, and the more personal accounts receive pensions in the future; Third, it will not affect the treatment of the elderly. Children participating in insurance are not taking their parents' money to provide for their old age. The old people's pension is paid by the government. They take insurance to save for their future and enjoy their pension benefits. That is, when they are old, they have their own living security and enjoy pension benefits.

X. Adjustment of pension

According to economic development and price changes, the state will raise the basic pension standard in due course.

XI。 Adjustment of pension

In order to prevent the phenomenon of pension fraud, the city's urban and rural residents' pension insurance management center and the township human resources and social security office certify the living conditions of pension insurance recipients once a year, and publicize them within the administrative villages.

Dengzhou city urban and rural resident society endowment insurance work leading team office