Where to check the social insurance of institutions

1. What is social insurance?

A: Social insurance refers to a social security system in which the state adopts legislation and raises funds through multiple channels to provide financial compensation to workers when their labor income is reduced due to old age, unemployment, illness, work injury, or maternity, so that they can enjoy basic livelihood security.

2. What are the main features of social insurance?

Answer: Social insurance has three characteristics: compulsory, ****ancial and universal.

3. What are the sources of the social insurance fund?

A: The social insurance fund mainly comes from employers and workers themselves, and the government gives financial support and bears the ultimate responsibility.

4. What are the principles of social insurance?

A: The principles of social insurance are: the principle that rights and obligations correspond to each other; the principle of the unity of fairness and efficiency; and the principle that the level of treatment corresponds to the level of development of productive forces.

5. What are the links and differences between social insurance and commercial insurance?

Answer: Contact:Both are social risk management mechanism. Essential differences: the two are different in nature, different purposes, different sources of funding and different responsibilities borne by the government.

6, what is institutional social insurance?

Answer: social insurance for institutions refers to the government in the scope of institutions, institutions, through legislation, for old age, illness, disability, unemployment and other reasons, temporary or permanent loss of working capacity of the staff to give material assistance to a social security system.

7, what is old-age insurance?

A: old-age insurance is a social insurance system in which workers receive a certain amount of financial compensation, material help and services from the government and society after they retire at the legal retirement age.

8. What is the principle of raising the pension insurance fund for institutions?

Answer: the pension insurance fund by the government in accordance with the "expenditure to determine the income, a slight surplus, appropriate accumulation" principle of unified fund-raising.

9, the city's institutions and institutions of the current scope of pension insurance?

Answer: At present, the city's institutional pension insurance co-ordination scope of the city's institutions, including the city's party and government organs at all levels, the National People's Congress, the Chinese People's Political Consultative Conference, the court, the procuratorate, people's organizations, the democratic organs of the staff and the establishment of all levels of the department identified as the implementation of the payroll system of the institutions of the institutions of all the staff of the institutions.

Municipal Talent Development Center archived personnel (excluding the implementation of the personnel employment system in the municipal institutions employed), the original institutions have participated in the pension insurance has been restructured into an enterprise unit employees and institutions temporarily hired from January 1, 2004 to participate in the basic pension insurance for urban enterprise employees.

10, the city's institutions to pay the standard of pension insurance premiums?

Answer: 24% of the total amount of monthly retirement and pension contributions of the staff within the scope of pension insurance by the unit at the end of the previous year's wages (hereinafter referred to as "wages") and retired, retired staff, organs and full-funded institutions, 3% of the individual by the end of the previous year's wages of the staff, the difference between the amount of and self-supporting units. Individuals of poor and self-supporting units will contribute 4% according to the salaries of the employees at the end of the previous year.

11, the insured units and insured employees pension insurance contribution base is determined?

A: The specific items of the contribution base are as follows: Institutions include job salary, grade salary, seniority salary, basic salary and allowances and bonuses retained by the province. Institutions include position (grade, post) wages (fixed part), allowances, bonuses (living part), and allowances and bonuses uniformly retained by the province. The portion of one's average monthly salary that exceeds 300% or more of the average social salary of the province is not included in the individual contribution base, and the portion that is lower than 60% of the average social salary of the province in the previous year is included in the individual contribution base at 60%.

12. How do individual contributors pay social insurance premiums?

A: differential appropriation, self-supporting institutions, the individual part of the staff, by the unit in its wages withheld, and the unit part of the same time to the institutions of social security institutions; fully funded by the financial institutions, institutions, the individual part of the social security institutions by the institutions of social security institutions commissioned by the financial payroll centers from the wage deductions.

13. Can social insurance premiums be reduced or waived?

A: According to the Interim Regulations on the Collection and Payment of Social Insurance Premiums, social insurance premiums cannot be reduced or waived.

14: How to deal with the units and individuals who do not pay the pension insurance fund on time?

Answer: the insured units should pay the pension insurance premiums on time to the institutions of social security institutions, the late payment or underpayment of pension insurance premiums, a late payment fee of 5 per thousand per day. If an individual unit encounters special circumstances that prevent it from paying on time, it may submit a written application to the social security institution of the institution, and the payment may be deferred upon approval. The deferred payment period is generally within three months, and the maximum period shall not exceed half a year. During the approved deferred payment period, no late fee will be added, but the interest of the fund has to be paid back at the bank deposit rate of the same period. Participating units and staff members who do not pay the basic pension insurance premiums in accordance with the regulations shall not be allowed to calculate the staff members' contribution period for any interrupted time or time of non-compliance with the regulations.

15. How is the payment of social insurance premiums supervised by employees?

Answer: Social insurance agencies shall establish contribution records, record individual accounts in accordance with regulations, and ensure that the contribution records are complete and secure. The social insurance agency shall distribute the basic pension insurance individual account statement to the contributing individuals once a year. Contributing units shall annually publicize to the employees of the unit the status of the unit's annual payment of social insurance premiums. Contributing units and individual contributors have the right to inquire about their contribution records in accordance with the regulations and to supervise the payment of social insurance contributions.

16. What are the meanings of social integration and individual account?

Answer: The Decision of the Central Committee on Several Issues Concerning the Establishment of a Socialist Market Economy proposes that pension insurance should combine social integration with individual accounts. Individual account refers to the basic pension insurance personal account established by the social insurance contractor for each person participating in the basic pension insurance in accordance with the social security number issued by the State Bureau of Technical Supervision (national standard GBll634-89). The social security organization credits the insurance fund paid by the individual and the unit to the individual account according to a certain percentage. The portion of the basic pension insurance fund paid by the organization, other than that transferred to the individual account, is used as the basic pension social coordination fund.

17, the city's pension insurance personal account from when to start building?

A: Social security agencies based on the resident identification number, for each staff to participate in the basic pension insurance to establish a lifelong personal account. The city's municipal differential, self-supporting institutions to participate in the insurance staff from January 1996 to establish an individual account. In June 1997, the individual accounts of the insured staff of institutions and fully-funded organizations began to be set up. For new participants, the establishment of individual accounts starts from the month when they join the workforce and make their first contributions.

18. What is the percentage of the individual account?

The specific crediting ratio is as follows: from January 1996 to December 2001, the crediting ratio of the individual account is about 16% of the employee's current year's wage base, and from January 2002 onwards, the crediting ratio of the individual account is 11% of the employee's current year's wage base. All of the staff's personal contributions are credited to the individual account, and the shortfall is transferred from the unit's contribution.

19, the staff transfer to work for the pension insurance relationship, what information to bring?

Answer: The transferring staff should go to the Business Section for the transfer of pension insurance relationship with the notice of job transfer, Pension Insurance Individual Account Handbook, Personnel Change Form and Pension Insurance Relationship Acceptance Letter from the social security agency in the place where the transferring unit is located.

20. How to transfer personal account?

(1) When an employee moves within the same coordinating range, only the basic pension insurance relationship and personal account files are transferred, not the fund. (2) When an employee moves across the integrated system, he/she transfers the basic pension insurance relationship and the personal account file. The amount of the transferred fund is the accumulated principal and interest of the individual contribution portion of the individual account from before January 1, 1998 plus the accumulated principal and interest of the contribution amount calculated at 11% of the individual contribution wage base from January 1, 1998 onwards. In accordance with the provisions of Document No. [2004] 33 of the Hunan Labor and Social Affairs Bureau, from July 2004 onwards. The transfer of employees' pension insurance relations within the province will always be limited to the transfer of basic pension insurance relations and personal account files, and not the transfer of personal account funds.

21. What is the deemed contribution period of the insured?

Answer: The deemed contribution period refers to the effective working age before the implementation of pension insurance. That is to say, the deemed contribution period of the insured person is the effective working age during the period from the time of his joining the work to the time when he should pay the pension insurance premiums.

22. What is the role of the contribution period?

Answer: the staff contribution period consists of the actual contribution period and the deemed contribution period, the contribution period is used to measure the length of time the employee has paid contributions, is one of the important bases for the calculation of pension insurance benefits.

23. What is the difference between contribution period and continuous service?

Answer: Contribution period and continuous service are two different concepts and should not be confused. Contribution period is the cumulative number of years that both the unit and the employee have paid the pension insurance premiums according to the regulations, which is used to measure the length of time that the employee has paid the premiums, and it is one of the bases for calculating the pension insurance benefits. Continuous working years are the actual working years that can be accumulated and calculated according to the state regulations, and are used to measure the length of the employee's working time. However, due to historical reasons, before the implementation of social pension insurance, the continuous working age calculated in accordance with state regulations, can be regarded as the number of years of contributions

24, the original did not participate in the pension insurance personnel have to make retroactive contributions to the pension insurance benefits?

A: The cadres of institutions and the national fixed workers recruited before the implementation of the labor contract system, and those who did not participate in pension insurance before the implementation of the reform of the pension insurance system in institutions, do not make retroactive contributions to the pension insurance premiums, and their years of service are regarded as years of contributions. Labor contract workers who did not participate in the pension insurance and cadres recruited from the non-working staff shall make supplementary contributions to the pension insurance, from the date of their participation in the work until the last month when the unit cadres and workers start to participate in the pension insurance as a whole. The specific criteria for retroactive contributions are: (1) For those who joined the workforce before September 30, 1993, the unit's contribution shall be calculated at 40 yuan per person per month, and shall be paid in a lump sum. (2) After October 1, 1993 to participate in the work of the unit to pay part of the calculation of 50 yuan per person per month, a one-time payment.

25. How is the deemed contribution period of state cadres and permanent workers determined?

Answer: The effective working years from the date when the local government started the pension insurance for institutions are regarded as the contributory years. The effective working years from the date when the local government started the pension insurance for institutions are regarded as the contribution period. The effective working years from the date when the local government started the pension insurance for institutions are regarded as the contribution period for those who work for the municipal government and those who work for the municipal government and those who work for the municipal government and those who work for the municipal government and those who work for the municipal government and those who work for the municipal government and those who work for the municipal government and those who work for the municipal government.

26. How do I pay for the pension insurance of those who work without pay?

Answer: With regard to the pension insurance of the personnel without pay, Xiang Zheng Fa (1996) No. 3 document and Tan Zheng Ban Fa [1997] No. 18 document both stipulate that, in accordance with the provisions of the personnel without pay, the original unit is responsible for the withholding of contributions.

27, employees from the enterprise transferred to the institutions of the pension insurance relationship how to deal with?

A: has participated in the basic pension insurance for urban enterprise employees of the enterprise employees transferred to work in institutions that have tried to implement the pension insurance system, with the government personnel department of the "transfer notice" for the transfer of pension insurance relations and personal accounts. From the month they enter the institution, they will participate in the institution's pension insurance, and the unit and the individual will pay pension insurance premiums in accordance with the local institution's contribution standard, and their original contribution period (including deemed contribution period) will be combined with that of the institution, and when they retire, they will be paid the basic pension in accordance with the method stipulated in the institution's pension insurance system.

28. How is the pension insurance relationship handled when an employee is transferred from an institution to an enterprise?

Answer: When an employee is transferred from an institution to an enterprise, he or she will participate in the basic pension insurance for enterprise employees from the month of his or her transfer. If an employee moves from an organization or institution that has reformed its pension insurance system to work in an enterprise, the employee's pension insurance relationship and personal account shall be transferred.

29. How is the one-time subsidy for individual account provided when a civil servant moves to an enterprise?

Answer: by the authorities and the reference and in accordance with the civil service management units of the staff to enter the enterprise and according to the provisions of the corresponding pension insurance, according to the number of years I work in the authorities (or units) to give a one-time subsidy, by its original unit through the local social insurance agency to transfer to my basic pension insurance personal account, the funds required by the same level of financial arrangements. The standard of the subsidy is: the average monthly basic salary of the year before I left the organization × the number of years of work in the organization × 0.3% × 120 months.

30. How is the pension insurance relationship handled after the dismissal, resignation, dissolution or termination of the labor relationship of the staff of the organs and institutions?

Answer: For those who do not meet the conditions for retirement but go through the formalities of separation, resignation, dismissal, resignation or termination of labor contract in accordance with the relevant provisions, the stored amount of their individual accounts will be temporarily retained, and then the stored amount of the individual accounts will be transferred to allow them to continue to be insured after they have found a new work unit. The stored amount in the individual account before and after the change or interruption of work can be calculated cumulatively without interruption of interest accrual. In accordance with the provisions of Document No. 91 of Xianglao Social Development [2002], the employees of institutions and agencies who resign, dissolve or terminate their labor relations, and then seek self-employment or take flexible ways of employment can participate in the basic pension insurance for urban employees and pay pension insurance premiums in accordance with the provisions of Document No. 43 of Xiangzheng Fa [1997] and Document No. 56 of Xianglao Social Development [2002].

31?￠How do I apply for the change of pension insurance when there is a change of the insured unit?

A: In the event of separation or merger of insured units, they should apply for the change of pension insurance procedures to the social security organizations within one month. Prior to the separation or merger, the unpaid pension insurance premiums shall be borne by the unit after the separation or merger; in case of bankruptcy, cancellation or auction, the unpaid basic pension insurance premiums must be settled in the property liquidation according to the law and the pension insurance premiums for 10 years must be reserved for the retired staff of the unit. The reserved pension insurance premiums shall be managed by the social security institutions of the institutions.

32. What are the retirement conditions set by the state?

A: The State Council document (Guo Fa [1978] No. 104) stipulates that those who meet one of the following conditions should retire. (1) men who have reached the age of sixty, female workers who have reached the age of fifty, female cadres who have reached the age of fifty-five, with ten years of continuous service. (2) A man who has reached the age of fifty, a woman who has reached the age of forty-five, and who has completed ten years of continuous service, and who has been certified by a hospital and confirmed by the Labor Appraisal Committee to be totally incapacitated for work. (3) Disabled at work, certified by the hospital and confirmed by the Labor Appraisal Committee as totally incapable of work. (4) Workers who do not have the conditions for retirement, certified by the hospital and confirmed by the Labor Appraisal Committee that they are totally incapacitated for work, should be retired.

33. What are the conditions for receiving a monthly pension?

Any person in a contributing unit who meets the legal normal retirement age and whose unit and individual have paid basic pension insurance premiums for a total of 15 years or more in accordance with the regulations, shall receive a monthly basic pension from the month following the month in which he or she goes through the retirement procedure.

34, the city's institutions and institutions of pension insurance payment program?

A: According to the relevant provisions of the province and city, the city's institutions and institutions of basic pension co-ordination payment items are: retirement (job) of the retired (job) fee, according to the national and provincial provisions of the retained subsidies 23.8 yuan (women's plus women's health fees), bonuses 5-15 yuan. Temporarily not included in the payment of subsidies for the items of transportation subsidies, nursing costs and some of the retired old comrades enjoy the cost of living allowances are still paid in accordance with the original channels.

35. What is the form of pension payment for the retired staff of the insured units?

Answer: At present, the municipal insured units of the retirees' pensions are entrusted by the Municipal Agency Social Insurance Bureau to the insured units to pay on behalf of. The pensions of retired staff of restructured institutions and some retired cadres are entrusted by social insurance agencies to banks to deposit the pensions directly into the personal pension accounts (passbooks) of retired staff on a monthly basis, which can be withdrawn by the retired staff at any time.

36, the insured person has not reached the normal legal retirement age has gone through the retirement procedures, how to deal with pension insurance?

Answer: In accordance with the provisions of the document of the Xianglao Social Development [2002] No. 24, in the country no new regulations before, participated in the institutional pension insurance personnel, who have not reached the state's statutory normal retirement age (male 60 years old, female cadres aged 55 years old, female workers aged 55 years old) for the early retirement procedures (excluding early retirement in accordance with the regulations of civil servants and reference), in the event that it reaches the statutory normal retirement age (men aged 60, female cadres aged 55 years old, female workers aged 55 years old) ), before they reach the legal normal retirement age, except for those who have been stipulated by the state, their units shall continue to pay the unit contribution portion of the basic pension insurance premiums for them. The contribution base shall be the contributory salary of the retiree before he/she is authorized to retire. Individuals who retire early no longer make contributions, and their individual accounts are no longer transferred proportionally from the unit contributions. Their basic pensions (including normal adjustments to increase their entitlements in accordance with the provisions of the national and provincial people's governments) are paid by their original units, and are transferred to the social insurance agency when they reach the legal normal retirement age.

37. What happens to the personal account of an insured employee after his death on duty?

Answer: If an insured person dies while in service, the social insurance agency will pay the amount of individual contributions in his personal account (the sum of principal and interest) in a lump sum to his legal heirs or designated beneficiaries, and at the same time terminate the pension insurance relationship.

38、What if a participant dies after retirement and the stored amount in his/her individual account is not claimed?

Answer: If a participant in the basic pension insurance dies after retirement and the stored amount in his/her individual account has not yet been claimed, the individual contribution portion of the balance can be issued to his/her designated beneficiaries or legal heirs. The portion transferred from the unit contributions to be credited to the individual shall be returned to the Social Co-ordination Fund.

39. How is the pension calculated after the retirement of a person participating in pension insurance?

Answer: staff who meet the retirement age specified by the state, participating units and staff members individually in accordance with the provisions of the basic pension insurance premiums for a cumulative total of 15 years and more. They will receive the basic old-age insurance pension from the next month after they have gone through the retirement formalities. The basic old-age insurance pension consists of three parts:

(1) the part calculated on the basis of 6O% of one's pre-retirement gross salary if both the unit and the individual have paid contributions for 20 years (or more); if 15 years are less than 20 years, the amount will be reduced by 1 percentage point for every one year less.

(2) unit and individual contribution period are 15 years, from the 16th year, each additional anniversary, increase my pre-retirement salary of 1% of the pension, but the increase in the part of up to 20%.

(3) The portion of the staff member's basic pension insurance individual account reserves divided by the number of months of contributions payable, the actual number of months of contributions exceeding 420 months only divided by 420. according to this method, a staff member with more than 35 years of contributions, the retirement pension is 96% of the total salary at the time of retirement, which is 1 percentage point higher than that according to the current retirement pension calculation method.

Before the state reform plan for the pension insurance system of institutions has been issued, if the basic pension insurance of a staff member at the time of his retirement according to the above method is lower than the amount of the retirement fee calculated according to the document No. 92 of Xiangren Insurance (1995), the retirement fee will still be calculated according to the document No. 92 of Xiangren Insurance (1995).

40, the contribution period of less than 15 years of insured persons, how to deal with the pension insurance relationship after retirement?

Answer: the insured person reaches the legal age of normal retirement, if the individual according to the provisions of the basic pension insurance contributions for a total of less than 15 years, the individual account savings paid to the person, not to issue a separate basic pension; there are years of deemed contributions, and then according to its deemed contributions for each full year, two months of the province's average monthly salary of the previous year's employees, and at the same time, terminate the basic pension insurance relationship.

41 What is the content of the pension insurance audit?

Answer: The contents of the pension insurance audit include the following: (1) the situation of social insurance registration, change of registration or deregistration of the contributing units to the local social insurance agency; (2) the number of social insurance contributors and contribution base declared by the contributing units and individuals are in accordance with the state regulations; (3) whether the contributing units and individuals pay the social insurance premiums in full and on time; (4) the number of units and individuals who owe social insurance premiums; and (5) the number of units and individuals who owe the social insurance premiums in full. (4) the situation of making up for the unpaid social insurance premiums of the units and individuals; (5) the situation of the contributing units announcing their contributions to the employees; (6) the conditions of social insurance treatment and enjoyment as well as the status of survival; (7) other auditing matters stipulated by the state or assigned by the administrative department of labor security

42, how to deal with the violation of the insured units?

Answer: If a contributing unit fails to apply for social insurance registration, change of registration, cancellation of registration, or fails to declare the amount of old-age insurance premiums to be paid, the social insurance agency shall order it to make corrections; and if it refuses to make corrections, the social insurance agency shall report it to the administrative department of labor security for penalties in accordance with the law. If the circumstances are serious, the person in charge and other persons directly responsible may be fined not less than 1,000 yuan and not more than 5,000 yuan; if the circumstances are particularly serious, the person in charge and other persons directly responsible may be fined not less than 5,000 yuan and not more than 10,000 yuan.

43. How to deal with the fraudulent acquisition of social insurance benefits by insured individuals?

Answer: According to the relevant provisions of the Measures for Social Insurance Audit (Decree No. 16 of the Ministry of Labor and Social Security), if a social insurance agency finds that a recipient of social insurance benefits has lost the qualification for receiving benefits and continues to receive benefits himself or herself or others, or fraudulently obtains social insurance benefits in other forms, the social insurance agency will immediately stop payment of the benefits and order the return of the benefits; in case of refusal to return, the administrative department of labor and security shall shall be dealt with in accordance with the law and may be fined not less than 500 yuan and not more than 1,000 yuan; in the event that this constitutes a crime, the judicial organs shall investigate criminal liability in accordance with the law.

44. How to strengthen the management of the pension insurance fund?

Answer: (1) The basic pension insurance fund for institutions is included in a separate financial account of the social insurance fund for institutions, which is managed on two lines, and earmarked for specific purposes, and shall not be squeezed out or misappropriated by any department, unit, or individual, nor shall it be used for balancing the financial budget. (2) The balance of the basic pension insurance fund for institutions shall be fully retained in the special financial account, and shall be used mainly for the purchase of State bonds and the transfer of time deposits in banks, in addition to the reservation of the equivalent of one to two months' worth of payment expenses. No department or individual may use the pension insurance fund to make other forms of direct or indirect investment within or outside the country. (3) The basic pension insurance fund for institutions shall be deposited in state-owned commercial banks and shall accrue interest at the preferential rate set by the People's Bank of China, with the interest earned being incorporated into the fund. (4) The basic pension insurance fund shall be subject to a dual audit system combining internal and external audits, and representatives of units and individuals participating in the pension insurance shall be regularly informed of the use of the pension insurance fund. (5) In the event that the staff of an institutional social security institution abuses their authority, engages in malpractice or neglects their duties and causes economic losses, in addition to recovering the economic losses, the government department in charge of labor security shall impose administrative penalties on the principal person in charge of the institution and the person directly responsible for the institution; and in the event of a violation of the criminal law, which constitutes a crime, the institution shall be referred to the judicial organs for the investigation of the criminal responsibility in accordance with the law.

The institutions from 1993 into the pension.

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