What is the difference between pension insurance units and individuals in Chongqing?

1, pension benefits are calculated and paid in the same way.

Retirement pension is calculated one by one according to the payment level, payment period and the average salary of employees in urban units in this city in the previous year when they retire. Whether you are insured as an individual or with the company, the pension benefits are calculated in exactly the same way when you retire.

2. The upper and lower limits of the payment base are the same.

From 2065438 to May 2009, the policy of "social security fee reduction" was implemented, and the range of optional payment base of personal identity insurance was adjusted and expanded. Those who participate in the basic old-age insurance for employees of urban enterprises as individuals are the same as the insured units, and the monthly payment base can be selected within the range of 60%-300% of the average salary of employees in this city last year.

3, pension personal account into the same proportion.

Those who participate in the basic old-age insurance for employees of urban enterprises as insured units and individuals account for 8% of their old-age insurance personal accounts.

4. The retirement conditions are the same.

The insured who participates in the basic old-age insurance for urban enterprise employees with the unit or participates in the basic old-age insurance for urban enterprise employees as an individual shall meet the following retirement conditions:

(1) Pay the basic old-age insurance premium in full and on time, and the employee pension payment period has accumulated to 15 years or more;

② Reach the statutory retirement age.

The legal retirement age is as follows: male, over 60 years old; The female employees of the employing unit who are engaged in workers' positions are over 50 years old, and the female employees who are engaged in management positions are over 55 years old.

10 Female individual insured persons who participated in the basic old-age insurance before 0996+65438+65438 are over 50 years old, and those who participated in the basic old-age insurance on or after 0996 65438+65438 and ignored the same payment period before are over 55 years old.

Second, differences.

1, different insurance types

According to the Social Insurance Law and other relevant regulations, employees who establish labor relations with employers should participate in five social insurances such as pension, unemployment and work injury according to law; Flexible employees can choose to participate in the basic old-age insurance for urban enterprise employees as individuals according to their own specific conditions.

2, the payment base approval criteria are different.

If the employer is insured, my monthly payment base is me. Average monthly salary of the previous year; The monthly payment base of new employees in that year is the starting salary of that month; I last year's average monthly salary or starting salary is lower than that of the current month, which is 60% of the average salary of employed persons in the city last year, and is approved according to 60% of the average salary of employed persons in the city last year; If it exceeds 300% of the average wage of employees in the city last year, it shall be calculated according to 300% of the average wage of employees in the city last year.

If you are insured as an individual, your monthly payment base can be selected from the upper and lower limits of the payment base according to your own situation.

3, the payment ratio is different.

Employers are insured, and the basic endowment insurance for employees in urban enterprises is paid by employees and employers according to a certain proportion, and all work-related injury insurance is paid by employers, and individuals do not need to pay. The current payment rates are as follows:

The industrial injury insurance rate is based on the industrial injury risk category corresponding to the unit, and the corresponding benchmark rate is implemented.

Personal identity insurance, the payment ratio is 20%, all paid by individuals.

How to pay online pension payment?

Pension online payment is simple and easy to operate, and there are basically three ways:

1. Operation in Alipay: Enter Alipay-Search to enter the Civic Center-Select the region "* *" and click Social Security-Residents' Pension Payment-Enter the name and ID number of the insured-Select the 2022 Pension Insurance Payment-Click Finish Payment-Keep the screenshot of electronic certificate Payment.

2. Operation on WeChat: Open WeChat-Click My-Select City Service-Select Social Security Comprehensive-"* * Social Security Payment"-Select Endowment Insurance for Urban and Rural Residents-Enter the name and ID number of the insured-Select 2022 Payment-Click Finish Payment-Keep the screenshot of electronic certificate Payment.

3.app operation: Now many regions have launched apps that can directly pay social security. Take Shanghai as an example. After downloading a Shanghai People's Society app, you can complete the first registration, add electronic social security, supplement all personal information, and then choose endowment insurance. Click the payment time and payment grade to complete the payment.