Is there any benefit to the individual from the national pooling of endowment insurance?

What are the benefits of national pooling of endowment insurance for individuals? There will be some differences according to the specific situation. The following detailed analysis: the overall planning of endowment insurance has nothing to do with individuals at present, and can only enjoy the personal part. Only when you retire and need reimbursement will you use the overall account.

The difference between overall pension insurance and individuals;

1, account inheritance is different. Individual accounts of employee pension insurance can be inherited; The whole account cannot be inherited and belongs to the fund account.

2. Different payment methods. Employee pension insurance personal accounts can be withdrawn after retirement; Moreover, the overall account cannot be withdrawn after retirement.

3, the use of different ways. Employee pension insurance personal accounts can be used for personal consumption after retirement, and the overall account is used for monthly pension and funeral subsidies and pensions for the survivors of the insured after death.

The social security payment method is as follows:

1, the insured is a flexible employee. Flexible employment has no stable work and workplace. If the monthly wage income is taken as the base, it is difficult to determine what the monthly wage income is. We can only choose between the lower limit and the upper limit based on the payment base published by the local social security department.

2. Insure as a resident. Social security that is insured as a resident is called basic insurance for urban and rural residents. Similarly, only basic old-age insurance and medical insurance can be paid, and they must be insured at the place where they are registered. The payment of basic insurance for urban and rural residents is relatively low, and the protection is relatively low. Generally, the fee is paid annually, and each region has multiple stalls such as 300 yuan, 500 yuan or 1500 yuan to choose from. It is worth noting that different regions and different payment grades receive different pensions.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Article 33

Employees shall participate in work-related injury insurance, and the employer shall pay the work-related injury insurance premium, and the employees shall not pay the work-related injury insurance premium. Article 44 Employees shall participate in unemployment insurance, and employers and employees shall jointly pay unemployment insurance premiums in accordance with state regulations.

Article 53

Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with state regulations, and employees shall not pay maternity insurance premiums.