Social Security for Older People

Yes, you can join the insurance from the age of 48, pay the full 15 years of social insurance premiums, and receive the monthly pension of social security from the age of 63. Hurry to the social security center with a household register and ID card to apply for enrollment procedures.

I original "social insurance regulations and policies of the book", please read carefully in the busy time.

I. Social insurance is a public welfare social security organized by the state.

1. The state develops social insurance and establishes a social insurance system to enable workers to receive help and compensation in cases of old age, illness, work injury, unemployment and childbirth.

2. Employers and workers must participate in social insurance and pay social insurance premiums in accordance with the law.

2. Types of social insurance:

1. Pension insurance; 2. Unemployment insurance; 3. Medical insurance; 4. Worker's compensation insurance; 5. Maternity insurance.

Third, the contribution base:

Employers and workers **** the same social insurance premiums, the worker's province in the previous year the province's average monthly salary of on-the-job workers as 60%-300% (in some places 40%-300%) as the contribution base, payable on a monthly basis.

Four, the unit to participate in the insurance and the contribution rate:

1. Pension insurance premiums: the unit to pay 20%, the individual to pay 8%.

2. Unemployment insurance premiums: the unit pays 2% and the individual pays 1%.

3. Medical insurance premiums: 8% for the unit and 2% for the individual.

4. Worker's compensation insurance: the unit pays, the individual does not pay.

5. Maternity insurance premiums: the unit pays, individuals do not pay.

5. The types of insurance and the percentage of contribution for individuals:

1. Pension insurance premiums: individuals pay 20%.

2. Medical insurance premiums: individuals pay 5%.

3. Maternity insurance premiums: individuals pay 1% (in some areas).

Sixth, the retirement of social security pension two conditions:

1. Participants in the actual contribution period of 10 years (September 30, 1998 and before the work) or more than 15 years (October 1, 1998 and after the work);

2. Participants to reach the legal age of retirement (the retirement age and the contribution period is not enough, continue to contribute until the full contribution can be made). (If the participant reaches the retirement age and has not paid enough contributions, he/she should continue to pay contributions until he/she has paid enough to retire).

VII. The current statutory retirement age:

1. Female: 50 years old for workers insured by the organization; 55 years old for managers. Individuals who are insured are always 55 years old.

2. Male: all 60 years old. No distinction is made between workers, managers, unit insured and individual insured.

3. Workers engaged in underground, high altitude, high temperature, especially heavy physical labor or other work harmful to health, perennial in the altitude of more than 3,500 meters above sea level plateau area and perennial in the cold storage, production workshops and other low-temperature places below zero degrees Celsius, can retire early (45 years old for female workers, 55 years old for male workers).

4. Those who are disabled due to illness or non-work-related disability, certified by the hospital and confirmed by the Labor Appraisal Committee to be totally incapacitated for work, can retire early (commonly known as sick retirement, 45 years old for female workers and 50 years old for male workers).

Eight, affecting the amount of pension 3 factors:

1. Retirement of the previous year's provincial wage (provincial wage increases every year, the pension is also rising year by year. Therefore, the later you retire, the more your pension will be);

2. The number of years you have contributed (the longer you have contributed, the more your pension will be);

3. The amount of money stored in your personal account (the more you have contributed, the more you will be paid).

9. Health insurance benefits are divided into 3 items:

1. General disease health insurance:

a. Outpatient expenses cannot be reimbursed.

b. Hospitalization costs are reimbursed about 80%, and individuals bear about 20%. Reimbursement is capped at tens of thousands of dollars.

2. Chronic disease outpatient medical insurance: outpatient expenses can be reimbursed, the reimbursement rate is the same as above.

3. Inpatient medical insurance for major diseases: the reimbursement rate for inpatient expenses is the same as above. The reimbursement ceiling amount is more than 100,000 yuan.

X. Other Insurance Benefits:

1. Unemployment Insurance Benefits: Unemployed persons who have paid unemployment insurance premiums for one year, who have interrupted their employment not because of their own will, who have registered as unemployed and who have the requirement to seek employment, can receive unemployment insurance benefits; and enjoy other unemployment insurance benefits at the same time.

2. Worker's compensation insurance benefits: workers who suffer accidental injuries at work, including injuries from motor vehicle accidents on the way to and from work, are entitled to medical treatment for work-related injuries; those who become disabled are entitled to disability treatment.

3. Maternity insurance treatment: female workers are reimbursed by social security for prenatal checkups and births on a pro rata basis; husbands insured during the same period are given one week's paternity leave, and the leave pay is paid by social security.

XI. Retention, transfer, surrender and inheritance:

1. Retention: The social insurance relationship is retained due to suspension of insurance, enlistment in the military, study abroad, sentencing and other circumstances. The insurance can be renewed afterwards, and the years of contribution and the amount of contribution of the individual before and after several times are totaled.

2. Transfer: You can transfer the unit or individual contributions in the same city; transferring from another place requires the consent of the social security center in the place of transfer.

3. Withdrawal: Those with urban household registration cannot withdraw from the program. Those who have settled abroad and migrant workers returning to their hometowns can surrender their insurance.

4. Inheritance: If a participant dies before retirement, the amount in the individual account of pension and medical insurance will be inherited by the legal heirs.

Consult the labor security phone number 12333 for more details in each place.