I want some information about basic old-age insurance training. thank you

What are the benefits of participating in basic social endowment insurance?

(1) A sense of security for the elderly. After the insured reaches the legal retirement age, he can receive the basic pension monthly for life until his death.

(2) Basic living is guaranteed. The pension level of the insured after retirement increases with the increase of the wage level of employees.

(3) There is no occupational difference. Employees of individual and private enterprises in cities and towns, as well as employees of state-owned and collective enterprises, can enjoy pension benefits according to the same basic pension plan and payment method when they retire, as long as they participate in social basic pension insurance.

(4) Activity does not affect the treatment. Workers' work flow between enterprises and individual economic organizations, pension insurance relationships and personal accounts can be retained and transferred with them, and the basic pension insurance premiums paid can be calculated cumulatively, without affecting the calculation of basic pension benefits at retirement.

Employees who participate in the basic old-age insurance pay continuously 15 years or more. What are the pension benefits after retirement?

1, monthly basic pension;

2, according to the relevant documents of the state and province, increase the pension year by year;

3. Return the personal payment part of the personal account balance after on-the-job death;

4. In case of on-the-job death, funeral subsidies and one-time pensions will be paid according to the policy.

How to calculate the basic pension?

The basic pension of the insured after 1998 consists of basic pension and personal account pension.

Basic pension = the average monthly salary of the whole province multiplied by 20% at retirement.

Personal account pension = personal account storage amount divided by 120.

That is, basic pension = basic pension+personal account pension.

How much pension can I receive every month after participating in the basic social endowment insurance?

The basic pension benefits of the insured are related to the level of the insured's payment base and the length of payment period.

In addition, the average social wage growth rate and personal account interest rate also have an impact on pension benefits.

Is the pension received after retirement fixed?

No. According to the provisions of the Labor Law, as long as you pay the old-age insurance premium in full and continuously according to the specified number of years and reach the legal retirement age, you can receive the pension every month after going through the retirement formalities. Workers who participate in social endowment insurance have the right to enjoy the fruits of social and economic development.

The establishment of the basic old-age insurance adjustment mechanism, the normal adjustment according to the relevant provisions of the province. No adjustment will be made when the average wage of employees is negative. This means that in the days after retirement, your pension will only increase, not decrease.

How to deal with the pension insurance relationship after employees leave the enterprise for various reasons?

After employees leave the enterprise for various reasons, the payment of employee pension insurance is interrupted, and employees can also inherit insurance (changed to individuals). When reaching the statutory retirement age, those who have paid more than 15 years can enjoy the same basic old-age insurance benefits as employees. Those who do not continue to participate in the insurance, reach the statutory retirement age and the payment period is less than 15 years, and do not enjoy receiving a monthly pension. During the original insured period, the amount of personal account storage can be paid in one lump sum according to the relevant provisions of social security institutions.

How to deal with the personal accounts of migrants who terminate their pension insurance relationship after enrollment?

The following three methods can be adopted:

1, transfer to a new work unit or social security agency where the household registration is located, and continue to participate in the insurance.

2. If the payment of the old-age insurance of the original unit is interrupted, the individual employee can continue to pay the old-age insurance after changing it into an individual. If you don't turn into an individual and the payment is less than 15 years, when you reach the statutory retirement age, you can pay the personal account storage amount during the original insurance period in one lump sum according to the relevant regulations of social security institutions.

3, unable to transfer (such as in the local social security institutions), by the unit or I put forward an application, allowing a one-time storage of personal accounts, (individual pay 7%+ unit included 4%) and terminate the pension insurance relationship.

What should I do with my personal account if I die before reaching retirement age?

If the insured employee dies during the payment period, the personal payment principal and interest in his personal account shall be collected by the legal heir at one time.

How to deal with the interruption of payment of endowment insurance premium?

Interrupted payment personnel can pay back, the payment base is determined by 100% of the average wage of employees in the province in the previous year, and the payment ratio is calculated according to the payment ratio.

Can I refund the duplicate payment?

If two or more different social insurance agencies repeatedly pay or pay endowment insurance premiums at the same time, the individual account storage amount will be calculated together, and the rest will be incorporated into the overall fund.

Eleven, because of the change of work unit, there are a few months in the middle, can individuals return it?

Due to the transition between work units or other reasons for a short period of time to interrupt the payment of personnel, can be paid in an individual capacity, and according to the standards of urban individual workers.