The latest social security policy in 2023

Social insurance has always been a matter of great concern to everyone. Many employers will buy social insurance for their workers, and some new policies have been introduced. Here, I have compiled the legal knowledge about the new social security policy for you. Welcome to read, I hope I can help you.

1. What's the new social security policy?

(1) According to the latest social security policy, a one-time payment system of 15 has been introduced, which means that we have reached retirement age. If we don't pay 15, we can't get a monthly pension. In this case, there are three ways: 1. Continue to pay to 15 after retirement. 2. Talking about the social security of the new rural cooperative medical system. 3. One-time payment to 15.

(2) No cash will be charged for payment this year. There are three payment methods: 1. Insured residents have received social security cards; 2. Insured residents have not made social security cards; 3. Minimum living allowances, severely disabled people and low-income families over 60 years old. For the insured residents in the first case, they need to hold the social security card to the labor security platform of the neighborhood office to sign the Confirmation Letter of Agreeing to Batch Withholding the Medical Insurance Fund. After signing the contract, they will activate the social security card financial account in the nearest BOC-BOC Sub-branch, deposit the deducted amount in full, and the China Bank will deduct the money to complete the insurance payment. At the same time, you can also use the self-service terminal of the Ministry of Human Resources and Social Security (distributed in street offices), the self-service terminal of China Bank (distributed in branches of China Bank and China Bank), the mobile banking of China Bank and the online banking of China Bank to complete the insurance payment without entering the insurance information system of the labor security platform of street offices.

(3) Medical Insurance Reimbursement For the insured, in a natural year, if the personal burden of compliance medical expenses exceeds the deductible line of major illness insurance, compensation will be made in seven stages in principle: 50% for the part within 30,000 yuan (inclusive), 55% for the part above 30,000 yuan to 50,000 yuan (inclusive), and 60% for the part above 50,000 yuan to 80,000 yuan (inclusive). 70% of the part above 80 10654.38+ 10,000 yuan to 6,543.80+02,000 yuan (inclusive), 75% of the part above 6,543.80+05,000 yuan (inclusive) and 80% of the part above 6,543.80+05,000 yuan. If the referral classification is not carried out according to the relevant policies, the payment ratio should be reduced. It should be noted that the total personal expenditure (excluding the out-of-pocket part) of hospitalization medical expenses (including outpatient special diseases) of urban and rural residents in this city exceeds the deductible line of serious illness compensation (654.38+100000 yuan), and the serious illness insurance will compensate in accordance with the prescribed proportion.

Four. Payment standard According to reports, the payment standard for urban and rural residents' medical insurance is: the amount of residents who have participated in the insurance payment in 20 17 is 2 10 yuan, of which 30 yuan and 180 yuan, which were underpaid in 20 17, should be paid; Residents who should have been insured in 20 16 years, but did not pay insurance in 20 17 years, paid 390 yuan, including 30 yuan who paid less in 20 16 years, and 180 yuan who paid personally in 20 180 years; 20 16, 20 17 (2 years) should be insured but not insured, and the payment standard is 5 10 yuan, including 20 16 years/50 yuan and 20 17 years/kloc. In addition, residents belonging to special groups only need to pay fees, and the payment standard is 180 yuan.

Some young people who have just joined the work think they are healthier and still have a long way to retire. At the same time, their current economic foundation is relatively weak, and they need to bear the pressure of renting and other expenses. Therefore, their enthusiasm for paying endowment insurance is not high, or they simply don't realize the importance of social security to the future. This idea is very wrong.

Second, social insurance.

Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

It should be noted that if you don't continue to pay after 15, your payment period is only 15, which means you can only receive the minimum pension standard. Therefore, it is not the most "favorable" behavior not to continue to pay after 15.