How to introduce rural endowment insurance in lingyuan city?

Publicity of measures for calculating and distributing basic pensions for employees of urban enterprises

When the insured reaches the statutory retirement age, the accumulated payment period (including deemed payment period) is 15 years (including 15 years). With the approval of the administrative department of human resources and social security, you can receive a basic pension on a monthly basis.

First, the basic pension plan and payment policy

The basic pension for urban enterprise employees is based on the Notice of the People's Government of Xinjiang Uygur Autonomous Region on Adjusting and Perfecting the Method of Calculating and Distributing the Basic Pension for Urban Enterprise Employees (New Deal [2006] No.59) and Notice on Implementing Winter Heating Subsidy for Retirees Participating in the Social Overall Planning of the Basic Old-age Insurance for Urban Enterprise Employees in Autonomous Region (New Deal [2006] No.2010).

Basic pension consists of three parts, namely, basic pension, personal account pension and transitional pension. In addition, retirees who receive pensions have to pay heating subsidies every month.

The calculation formula of each part is as follows:

1, basic pension = (the average monthly salary of employees in the autonomous region in the previous year after the insured retires+the average monthly salary of himself) ÷2× payment years (including deemed years )×1%.

2. Personal account pension = accumulated amount in my account/months (see attached table).

3. Transitional pension = my indexed monthly average salary × I can be regarded as the payment period × 1.3%.

There are 1-3 basic pensions.

Add: heating subsidy 120 yuan.

Personal account pension calculation and payment monthly table

Number of months of retirement age

40233

4 1230

42226

43223

44220

452 16

462 12

47208

48204

49 199

50 195

5 1 190

52 185

53 180

54 175

55 170

56 164

57 158

58 152

59 145

60 139

6 1 132

62 125

63 1 17

64 109

65 10 1

6693

6784

6875

6965

7056

Note: 233 months for those under 40 years old and 56 months for those over 70 years old.

Second, for example

For example, enterprise worker Li, male, was born in July 1952, joined the work in July 1968, and retired in July/20 12. The deemed period is 28.25 years, and the actual payment period is 15.83 years, totaling 44.08 years. The payment index salary was 2,222.35, the personal account accumulated 23,989.63, and the average social salary of the autonomous region last year was 3,004.

The monthly basic pension is calculated as follows:

1, basic pension: (3004+2222.35) ÷ 2× 44.08× 0.01=1189 yuan.

2. Personal account pension: 23,989.63 ÷139 =172.59 yuan.

3. Transitional pension: 28.25× 2222.35× 0.013 = 816.16 yuan.

Total pension: 1 15 1.89 yuan+172.59 yuan +8 16 yuan =2 140.64 yuan.

Add: heating subsidy 120 yuan.

Three, the basic pension payment related matters needing attention

(1) What is the deemed payment period?

The deemed payment period refers to the years of continuous participation in work recognized by the administrative department of human resources and social security before the establishment of the personal account for endowment insurance (the time for establishing the personal account for endowment insurance in Urumqi is 1994 10).

(2) What is the average indexed monthly salary?

The indexed monthly average salary reflects the level of the insured person's payment of old-age insurance premiums over the years, and is an important parameter for calculating the monthly pension, which is obtained through calculation.

My indexed average monthly salary = the average monthly salary of employees in the autonomous region last year when employees retire × my average contribution wage index.

My average payment wage index is calculated by subsection weighting method, which is the average of the ratio of employees' payment wages over the years to the average monthly wages of corresponding employees in the autonomous region in the previous year.

My indexed monthly average salary is expressed by the following formula:

c 1x0x 1x2nx

S=——(——+——+——+……——)

12nc 1 C2 C3 cn+ 1

In the formula:

I index the average monthly salary.

X0-xn: the sum of the payment base of each year from my retirement year to N years before retirement;

C 1-cn+ 1: the average salary of employees in the autonomous region from1year before my retirement to n+1year before my retirement;

"12N": the sum of the actual payment months in each year from my retirement year to N years before retirement.

(3) What are the main factors that affect the basic pension?

From the calculation method of basic pension, we can see that the following factors mainly affect the level of pension: 1, the contribution base of old-age insurance; 2, pension insurance payment period (including deemed payment period); 3. Retirement age.

(4) Why is the pension for early retirees low?

Early retirement includes: early retirement for special jobs, early retirement due to illness, resignation, etc. The method of calculating and distributing pensions for early retirees is the same as that for normal retirees. However, due to the short payment time of early retirees, the accumulation of personal accounts is small, and the calculation months are many, the calculation results of pensions are different from those when I reach the legal retirement age.

(5) What's the impact on the calculation and payment of pension when flexible employees stop paying after they have paid pension insurance for 15 years (including deemed payment years)?

Paying endowment insurance 15 years is one of the basic conditions for receiving pension, and it is also the limit of the minimum payment period. It can be seen from the pension calculation and payment method that the longer the payment period is, the higher the pension will be, and the pension insurance will not be paid after 15 years, which will lead to the low pension received by the insured after retirement.

(6) When the insured reaches the statutory retirement age, the accumulated payment period is less than 15 years. How to deal with it?

According to the provisions of the Social Insurance Law, those who paid fees before the promulgation and implementation of the Social Insurance Law can be postponed for five years if they reach the statutory retirement age and pay less than 15 years, and those who still pay less than 15 years after the postponement can make up for 15 years in one lump sum and receive a monthly pension; After the promulgation and implementation of the Social Insurance Law, those who have paid insurance contributions have reached the statutory retirement age, and those who are less than 15 years can postpone payment to 15 years, and then receive a monthly pension.

When you reach the statutory retirement age and the payment is insufficient 15, you can also choose to transfer to the new rural social endowment insurance or urban residents' endowment insurance, and enjoy the corresponding pension insurance benefits in accordance with state regulations. If it is not transferred to the new rural social endowment insurance or urban residents' social endowment insurance, an individual may apply in writing to terminate the employee's basic endowment insurance relationship and pay the amount stored in his personal account to him in one lump sum.

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