In 2020, a new policy of basic endowment insurance for migrant workers was introduced.

Migrant workers have always been an important force in urban construction. In order to meet the needs of migrant workers and meet their characteristics, the state has formulated a series of endowment insurance policies for migrant workers. Various provinces and cities have also formulated relevant old-age insurance policies to provide protection for migrant workers.

20 17 the new policy of basic endowment insurance for migrant workers came out.

Insured migrant workers, whether in their personal capacity or in the basic old-age insurance of urban enterprises, are entitled to the basic old-age insurance adjustment policy for urban employees as long as they reach the statutory retirement (pension) age and the accumulated payment has reached 15 years. 2 17 the latest endowment insurance policies for migrant workers are:

1, scope of application

The scope of application of endowment insurance for migrant workers is migrant workers who are employed in cities and towns and establish labor relations with employers. When signing a labor contract with migrant workers, the employer shall handle insurance procedures for them.

2. Payment ratio

Employers and individual migrant workers pay the basic old-age insurance premium, and the unit contribution ratio is12%; The proportion of individual contributions of migrant workers is 4% to 8%, which is withheld and remitted by the unit from my salary, and all of them are included in my personal account of basic old-age insurance (hereinafter referred to as personal account). Migrant workers and employers who have participated in the basic old-age insurance can adjust the payment standard according to these measures.

3. Re-farming can apply for surrender.

After the labor relationship between the insured migrant workers and the unit is terminated, the social security department reserves the basic old-age relationship for the unemployed, and can renew the old-age insurance after re-employment. If you return to your hometown to farm, you can apply for surrender according to your personal application. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?

4. The pension insurance relationship can be transferred in different places.

Because of the mobility of migrant workers, after the introduction of the new policy, the pension insurance relationship of migrant workers can be transferred in different places.

5, the treatment plan

The payment period of endowment insurance for migrant workers has accumulated to 15 years (including 15 years). After meeting the conditions for receiving benefits, I apply to the social security agency where the basic old-age insurance relationship is located, and the social security agency approves and issues basic pensions in accordance with the relevant provisions of the basic old-age insurance, including basic pensions and personal account pensions. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!

6, personal account liquidation

If the insured migrant workers die before reaching the statutory retirement age, all the individual contributions will be returned to the designated beneficiary or legal heir; If he dies after enjoying the basic old-age insurance benefits, the balance of principal and interest of the individual contribution in the personal account shall be paid to the designated beneficiary or legal heir in one lump sum. Migrant workers who apply for surrender after the termination of labor relations with their units can return all the savings in their personal accounts to themselves, and the social insurance relationship will be terminated accordingly.

The above is the introduction of the new policy of endowment insurance for migrant workers, hoping to bring reference value to everyone. Finally, I remind everyone that everyone needs to make an endowment insurance plan to prepare for their old age.