20 19 guidelines on policies and procedures for handling endowment insurance

Relevant policies and procedures for handling endowment insurance

Some netizens asked about the payment of endowment insurance, some did not know the process, and some did not know the relevant policies. By consulting my friends who work in the social security department, I have compiled some information about old-age insurance for your reference.

First, the scope of insurance

1. coverage of enterprise endowment insurance: all state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and institutions that implement enterprise management in Zengdu District, as well as employees of various enterprises, individual industrial and commercial households, flexible employees and employees employed by government agencies and institutions.

2. Coverage of enterprise endowment insurance: all kinds of institutions and their employees approved by the organization department.

Second, the insurance plan.

Units and individuals participating in the basic old-age insurance shall go through the social insurance registration formalities at Zengdu District Social Endowment Insurance Bureau. Personal insurance needs to carry 3 photos of 1 inch, copies of ID card and household registration book, apply for the Pension Insurance Manual after payment, and set up an individual pension insurance account. When handling the social insurance registration, the new insured unit shall provide the business license, the establishment approval certificate issued by the national quality and technology department, the unified organization code certificate and a copy of the legal person ID card. After being audited by the Social Pension Insurance Bureau, a social insurance registration certificate will be issued. At the same time, fill in the Registration Declaration and Approval Form and the Length of Service Confirmation Form and report to the Social Security Bureau. After being approved by the Human Resources and Social Security Bureau, go through the payment procedures and establish a personal account.

Third, the payment standard and proportion

1, payment base

All kinds of enterprises and their employees' insurance payment base is approved in principle according to the actual total payment of wages in the previous year, and the part where the average monthly wage of employees is higher than the average wage of employees in the city is determined according to the standard of 300% of the average wage of employees in the city; If the average monthly wage is lower than 60% of the wages of on-the-job workers, it shall be determined according to the standard of 60% of the average wages of on-the-job workers in the city.

In principle, the payment base of employees in institutions directly under the district is based on the annual file salary approved by the organization and personnel department; The payment base of institutions in the education system is the fifth salary approved by the organization and personnel department (excluding living allowance); The institutions retained after the reform of township institutions take the file salary as the payment base, and other units choose the payment base according to the social wage 100% to 300%.

The payment base of individual employees and enterprises after the buyout is determined according to the average salary of employees in the city and state last year. * * * There are 9 grades, which are chosen by individuals voluntarily.

2. Payment ratio

District-level and restructured township-run institutions (including large and medium-sized reservoirs), enterprises and education system employees pay 28% (including 20% units and 8% individuals); The proportion of individual employees and restructuring buyouts is 20%.

Four, enjoy the basic old-age insurance benefits.

1. Men are 60 years old and women are 50 years old (workers are 50 years old and cadres and individuals are 55 years old); Two, the cumulative payment period must reach 15 years, in order to go through the retirement procedures and receive the basic pension on a monthly basis.

Five, the basic old-age insurance benefits

1, retirees enjoy the national policy of regular adjustment of treatment. (After 2005, it will be adjusted to 1 2 3 year by year.