Retirement place of enterprise employees in Yiyang city.

It is handled by a retirement company and collected at the bank.

At present, there are three forms of social endowment insurance in China: occupational insurance, new rural insurance and urban residence insurance.

Endowment insurance for urban workers (occupational insurance)

● Payment ratio: the enterprise pays 20% of the employee payment base (basic pension) and the employee pays 8% (personal account).

● Account management: the combination of social pooling and personal accounts.

● Receiving conditions: enterprise employees reach the legal retirement age (60 years for male employees, 55 years for female cadres and 50 years for female employees), and they can receive the basic pension on a monthly basis after they have paid 15 years.

● Payment base: the approved payment base is based on the local average social wage of employees in the previous year (referred to as provincial social wage).

(a) the wage income of enterprise employees is lower than 60% of the province's social wages, and the payment base is approved by 60%; If it is higher than 60% of the provincial social wage, the payment base shall be approved according to the actual wage income, but it shall not be higher than 300% of the provincial social wage.

(two) individual workers in the province's social wages of more than 300%, independently determine the base of payment. Pay 20% of the payment base, of which 12% is the basic pension and 8% is the personal account.

● Calculation method of basic pension: basic pension = basic pension+personal account pension. The monthly standard of basic pension at retirement is based on the average monthly salary of local employees in the previous year and my indexed monthly salary, and the payment is paid to 1% every1year.

About the index: it is the ratio of the payment base of that year to the average salary of the whole province. If the province's average wage is 2000, the index is 1 with 2000 as the payment base. Pay according to the base 1600, with an index of 0.8; According to the base number of 2600, the index 1.3.

About the basic pension: the contribution index is different every year. The basic pension is the payment period multiplied by the average salary of local employees in the previous year and then multiplied by the average index.

About the monthly salary of personal account: it is the amount of storage (including interest) divided by the number of months, and the monthly salary of 45-year-old retirement (special type of work for female employees) is: the total amount of personal account x1/216; Monthly income of 50-year-old retirement: total personal account x1195; Monthly income of 55-year-old retirement: total personal account x1170; Monthly income of retirement at the age of 60: total personal account x1139.

Urban individual industrial and commercial households and flexible employees pay according to the local average wage of employees in the previous year. Their contribution index is always 1, and the basic pension 15%. The basic pension for 30 years is 30% of the average salary of local employees in the previous year. The monthly standard of personal account pension is the same as that of enterprise employees.

Rural hukou endowment insurance (new rural insurance)

● Coverage: Rural residents who have reached the age of 16 (excluding students at school) and have not participated in the basic old-age insurance for urban workers can voluntarily participate in the insurance at their domicile.

● Payment method: The new rural endowment insurance fund consists of individual contributions (divided into five grades: annual contributions 100, 200, 300, 400, 500), collective subsidies and government subsidies (minimum annual 30 yuan).

● Eligibility: Elderly people with rural household registration who have reached the age of 60 and do not enjoy the basic old-age insurance for urban workers can receive a monthly pension.

● Monthly amount: basic pension = total payment1139, basic pension 55 yuan, total payment = all individual contributions+all collective subsidies+all government subsidies+interest, etc.

● When the new rural insurance system is implemented, those who have reached the age of 60 and have not enjoyed the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying fees, but their eligible children should pay insurance premiums; If the age is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.

● When the insured person dies, in addition to government subsidies, the balance of personal account funds can be inherited according to law; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

Endowment insurance for urban residents (urban residents' insurance)

● Coverage: Non-employed urban residents who have reached the age of 16 (excluding students at school) and do not meet the requirements for participating in the basic old-age insurance for employees may voluntarily participate in the insurance at their domicile.

● Payment method: residents pay (divided into 10 grades: annual payment 100, 200, 300, 400, 500, 600, 700, 800, 900, 1000) and government subsidies (minimum annual 30 yuan).

● Enjoy treatment: Insured residents who have reached the age of 60 can receive monthly pensions including basic pensions and personal account pensions. Urban residents who have reached the age of 60 and meet the prescribed conditions can receive basic pensions on a monthly basis without paying fees. ● When the system is implemented, those who have reached the age of 60 and do not enjoy the basic old-age insurance benefits for urban workers can receive the basic pension on a monthly basis without paying fees, but their eligible children should pay for insurance; If the age is less than 15, the annual payment is allowed, and the accumulated payment shall not exceed15; If the age is above 15, the fee shall be paid annually, and the accumulated fee shall not be less than 15.

● When the insured person dies, in addition to government subsidies, the balance of personal account funds can be inherited according to law; The balance of government subsidies is used to continue to pay the pensions of other insured persons.

2. What information do I need to apply for retirement pension? How to deal with it?

Personal social security retirement procedures: 1. First take a form from the work unit or the local social security bureau and fill in the corresponding information. The forms include the Registration Form for Retirement of Urban Workers in XX City (in duplicate) and the Service Form for Socialized Management of Retired Persons. After filling it out, it will be stamped by the work unit. 2. Prepare the following materials: labor contract, Registration Form for Retirement of Urban Workers in XX City (in duplicate), Service Form for Socialized Management of Retirees, original and photocopy of ID card, original and photocopy of household registration book, 1 1 bareheaded photo, social security card, etc. And wait until the social security bureau handles the retirement formalities window. 3. After being approved and successfully receiving the first-month pension (the pension is directly credited to the personal social security card account), the party who has gone through the retirement formalities will take photos at the Social Security Bureau and apply for a retirement certificate. Information required for retirement: 1, application for retirement (written in A4 white paper with handprint at the name); 2. Copy of the applicant's ID card (original inspection), and copy of the agent's ID card (original inspection) for the agent; 3. A copy of the applicant's household registration (original inspection); (including the householder page and my information page) 4. The original and photocopy of the personal passbook (bank cards are not accepted) opened by the applicant in local state-owned banks (Bank of China, Industrial and Commercial Bank of China, China Construction Bank and Agricultural Bank) or Bank of Communications and Postal Savings; 5. Recent one-inch bareheaded photos (used to apply for the qualification certificate of enjoying the basic old-age insurance benefits); 6, the old-age insurance manual (in our center to pay a one-time old-age insurance can not be used); 7. Old-age insurance should be paid to the month when retirement is declared; 8, the flow of personnel relations (files) management manual; 9. The applicant shall fill in the employee retirement approval (approval) form. (Pick it up at the social security window on the first floor of Talent Building) 10. For retirees with associate senior titles or above, provide the original and photocopy of the title certificate and approval. 1 1. Demobilized cadres should provide the original and photocopy of the transfer certificate and transfer approval form.

3. Where can I open the retirement pension certificate?

Bring your ID card to the office hall of the local social security bureau and issue a social security certificate.

Information required for endowment insurance: two copies of ID card (original inspection); Recent one-inch color bareheaded photos; Original residence booklet for urban residents; File entrustment management card. Base, proportion and amount of endowment insurance:

(1) payment base: the average social wage of the province where the individual is located in the previous year.

(2) Payment ratio: according to the relevant regulations of that year.

(3) Payment amount: payment base × payment proportion × 12.

Payment method and time limit:

Pay cash to the human resources service center with the file entrusted management card. The insured shall pay the annual old-age insurance money in one lump sum, which shall be handled before June 20 every year, and interest shall be charged after the deadline, but not later than 65438+February 20. Payment time is1-20th of each month after the base of the current year comes out.

(3) Yiyang enterprise retirement pension where to apply for extension information:

According to the latest pension calculation method, employees' pension consists of two parts:

Pension = basic pension+personal account pension

Personal account pension = personal account storage amount ÷ calculation months (50 years old 195, 55 years old 170, 60 years old 139, 120 is no longer unified).

Basic pension = (last year's average monthly salary of employees in the province+my average monthly payment salary) ÷2× payment period × 1%

= Average monthly salary of employees in the whole province in last year (1+ average payment index) ÷2× payment period × 1%.

Note: My indexed monthly average payment salary = last year's average monthly salary of employees in the whole province × my average payment index.

As can be seen from the above formula, under the same payment period, the level of basic pension depends on the average payment index of an individual, that is, the historical average of the ratio of his actual payment base to the average social wage. The lower limit is 0.6 and the upper limit is 3.

4. How do enterprise retirees handle pension collection procedures?

According to the Interim Measures for the Retirement and Resignation of Workers and the Interim Measures for the Resettlement of Old, Weak, Sick and Disabled Cadres (Guo Fa [1978] 104) issued by the State Council in June 65438, you can apply for retirement under any of the following circumstances:

Male employees are over 60 years old, female cadres are over 55 years old, and female employees are over 50 years old, with continuous service or working years 10 years;

Workers who are engaged in underground, high altitude, high temperature, heavy physical labor and other jobs harmful to health, men are over 55 years old and women are over 45 years old, with continuous service or working experience of 10 years;

Workers who have worked continuously for 10 years and have been certified by the hospital and confirmed by the labor appraisal committee to be completely incapacitated;

Disabled at work, completely incapacitated by hospital appraisal (confirmed by labor appraisal committee).

According to the Regulations on Industrial Injury Insurance (implemented on June 65438+ 10/day, 2004):

Workers who are disabled due to work are identified as one to four levels of disability, retain labor relations, quit their jobs, and enjoy disability allowance on a monthly basis;

Workers with work-related injuries who have reached retirement age and gone through retirement procedures will stop issuing disability allowances and enjoy basic old-age insurance benefits;

If the basic old-age insurance benefits are lower than the disability allowance, the industrial injury insurance fund will make up the difference.

5. Where can the social security pension insurance be refunded?

Where to retire depends not on rural or urban household registration, but on your pension payment, provided that your total payment period is at least 15:

1. If you pay social security locally when you retire, you should transfer the social security paid in other provinces and cities and then apply for retirement locally;

2. If you don't pay social security locally when you retire, assuming that you pay social security in city A and you have paid 10 years in city A, then you should transfer all social security of local and other cities to city A, and then apply for retirement in city A;

3. If you didn't pay the social security locally when you retired, suppose you paid the social security in City A, but the payment in City A was less than 10 year, then you need to transfer the social security to the city where you paid 10 year last time.

4. If you don't pay social security locally when you retire, but the payment in any other provinces and cities is less than 10 years, you should also transfer the social security paid by other provinces and cities back to the local area, and then apply for retirement locally.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.

6. What are the rules about where to get a pension?

The place to receive the pension needs to be determined according to the actual situation.

According to the Interim Measures for the Transfer and Continuation of Basic Old-age Insurance for Urban Enterprise Employees:

Article 6 When the insured persons with inter-provincial floating employment meet the conditions for receiving benefits, the place for receiving benefits shall be determined in accordance with the following provisions:

(a) the basic old-age insurance relationship in the domicile, the domicile is responsible for receiving treatment procedures, enjoy the basic old-age insurance benefits.

(2) If the basic old-age insurance relationship is not located in the domicile, but the accumulated payment period in the domicile of the basic old-age insurance relationship has reached 10 years, the local treatment collection procedures shall be handled and the local basic old-age insurance benefits shall be enjoyed.

(3) If the basic old-age insurance relationship is not located at the domicile, and the cumulative payment period in the locality where the basic old-age insurance relationship is located is less than 10 year, the basic old-age insurance relationship will be transferred back to the original insured place, and the payment period will be 10 year, thus enjoying the basic old-age insurance benefits.

(4) If the basic old-age insurance relationship is not located at the domicile, and the accumulated payment period in each insured place is less than 10 year, the basic old-age insurance relationship and corresponding funds shall be collected at the domicile, and the domicile shall go through the formalities for receiving the benefits according to regulations and enjoy the basic old-age insurance benefits.

(6) Yiyang enterprise retirement pension where to apply for extension information:

According to the Interim Measures for the Transfer and Continuation of Basic Old-age Insurance for Urban Enterprise Employees:

Article 8 If the insured person is employed in inter-provincial flow, the basic old-age insurance relationship shall be transferred in accordance with the following procedures:

(a) the insured in the new employment in accordance with the provisions of the establishment of the basic old-age insurance relationship and payment, by the employer to the social security agencies to submit a written application for the transfer of the basic old-age insurance relationship.

(2) The social security agency of the newly insured place will review the transfer and continuation application within 15 working days, send a consent letter to the insured person if it meets the requirements, and provide relevant information; Make a written explanation for those who do not meet the conditions for transfer and connection.

(3) The social security agency where the original basic old-age insurance relationship is located shall handle all the transfer and connection procedures within 15 working days after receiving the acceptance letter.

(4) After receiving the basic old-age insurance relationship and funds transferred by the social security agency where the insured person's original basic old-age insurance relationship is located, the social security agency in the newly insured place shall complete the relevant procedures within 15 working days, and notify the employer or the insured person in time.

Article 9 If migrant workers interrupt their employment or return home without continuing to pay fees, the social security agency of the original insured place shall keep their basic old-age insurance relationship, keep all their insurance payment records and personal accounts, and the amount stored in personal accounts shall continue to bear interest according to regulations.

Migrant workers who return to urban employment and continue to pay insurance premiums, whether they return to the original insured place for employment or go to other cities and towns for employment, have their payment period calculated cumulatively according to the above provisions, and the amount of personal account storage is calculated together, which meets the conditions for receiving treatment.

Enjoy the same basic old-age insurance benefits as urban workers; If migrant workers no longer return to urban employment, their insurance payment records and personal accounts in cities and towns are all valid.

And according to the actual situation of migrant workers, or enjoy the basic old-age insurance for urban workers when they meet the prescribed conditions, or transfer to the new rural social old-age insurance.

Tenth national social security institutions at or above the county level shall establish a contact information database and publish it to the public, so as to facilitate the insured to inquire about the insurance payment and handle the transfer procedures of the basic old-age insurance relationship.

7. Where can I apply for endowment insurance?

If you are unemployed, you can go to the employment agency of the social security center where your account is located to handle personal payment.

If you work in a company, the company should pay the endowment insurance for you.

8. How do retirees in Yiyang apply for retirement certificates?

When employees retire, they will get a retirement salary card and a smart card. A smart card is actually a bank card. You can withdraw money from banks all over the country without charge!

How and where to apply for one card:

1. Social security card application is divided into two ways: individual application and collective application;

2 employees of enterprises, institutions, institutions and other insured units must pass.

The above units collectively apply. Other personnel use individual application methods;

3 enterprise retirees can apply collectively in the unit or in the form of individuals; 4. The bidding place is the social security card processing window of the municipal, district and county people's social security bureaus.

Social security card processing is as follows:

I. Processing conditions

Those who meet the application conditions can make an appointment by telephone at the application outlets or apply for social security cards (including student ID cards) directly at the street (town) social security card application service outlets. When applying, you need to bring your ID card, household registration book, application form (citizens with collective household registration need to bring the household registration certificate issued by the local police station or police station) and other related materials.

Second, information processing.

1. Write a complete social security card issuance registration application form;

2. A description of the preparation for the issuance of social security cards;

3. In-card application fields and application file structures (including partially expanded application fields and indicators) that meet the requirements of national unified specifications;

4. Card surface style designed according to unified requirements;

5, regional social security card management measures and implementation details;

6. Other materials required by Ministry of Human Resources and Social Security.

Third, the handling process

(1) The employees who apply for the card for the first time go to the networked photo studio of the second-generation ID card recognized by the municipal public security organ to take digital photos, and ask the photo studio for the receipt of XX social security card digital photos, and at the same time fill in the name and ID number neatly on the receipt for convenience. Employees who have already applied for social security cards but need to apply for them again after losing them do not need to submit a digital photo receipt.

(2) Enterprises that have applied for online declaration can directly apply for online certification. First, print the voucher, sort out the employee's digital photo receipts that need to be prepared according to the order of printing the voucher (this receipt is not needed for the lost replacement card) and attach it to the list, and provide a copy of the employee's ID card, submit it to the business card printing window designated by social security, pay the fee and receive the business card printing receipt.

(3) If the online declaration is not made, the enterprise shall submit a copy of the employee's ID card and the receipt of the social security card digital photo (this receipt is not needed for the lost replacement card), and the receipt of the social security card digital photo shall be arranged in the order of the insurance report and attached to the insurance report. If the lost social security card needs to be reissued, you can directly fill in the "X City Social Security Card Replacement (Loss Reporting) Application Form". After the collection department to which the payment belongs prints the voucher list, it can pay at the business card printing window designated by social security and receive the business card printing receipt.

(4) The person who pays in the personal payment window shall submit the original ID card and the digital photo receipt of the social security card (which is not needed by the person who has applied for the social security card) to fill in the form, pay the fee and get the printed receipt of the business card.