Social security related knowledge training

Social security, or SocialInsurance, is a social and economic system that provides income or compensation to a population that is incapacitated, temporarily out of work, or has suffered a loss due to health reasons. The social insurance scheme is organized by the government, which forces a certain group of people to pay a part of their income as social insurance tax (fee) to form a social insurance fund, from which the insured can receive a fixed income or compensation for loss if certain conditions are met, and it is a kind of redistributive system, whose goal is to ensure the reproduction of material and labor force as well as the stability of the society. The main items of social insurance include old-age social insurance, medical social insurance, unemployment insurance, industrial injury insurance, maternity insurance, etc. 1. What is the composition of the basic pension? From July 1, 1998, our province's old-age insurance system and the national unified system, the composition and calculation of the pension has been adjusted accordingly, specifically: after July 1, 1998 to participate in the work, reaching the legal retirement age, the total number of years of contributions of 15 years of the insured, the old-age pension is composed of the basic old-age pension and the individual account pension two parts. 1998, before July 1 to participate in the work, reaching the legal retirement age of the insured, the basic old-age pension and personal account pension. For insured persons who joined the company before July 1, 1998, reached the statutory retirement age, and have accumulated 10 years of contributory service, the pension consists of the basic pension, the individual account pension and the transitional pension. The monthly standard of the basic pension of the insured person at the time of retirement is 20% of the average monthly salary of the employees in the city where he/she lives in the previous year, and the monthly standard of the personal account pension is the amount of the personal account reserve divided by 120. The transitional pension consists of two parts, one of which is calculated based on the insured person's indexed average monthly salary multiplied by the number of years of contribution and multiplied by a coefficient (the calculation ratio), and the other part is the adjusting pension, which is 10% of the average monthly salary of the employees in the city where he/she lives in 1997. 10% of the average monthly salary of employees. For insured persons who joined the workforce before July 1, 1998, and reached the legal retirement age but had contributed for less than 10 years, they could only receive a lump-sum old-age allowance and a refund of the individual account reserve, or for insured persons who joined the workforce after July 1, 1998, and reached the legal retirement age but had contributed for less than 15 years, they could receive a lump-sum of the individual account reserve, and at the same time, end their pension insurance relationship.2 What are the age conditions for entitlement to old-age pension insurance? What are the age conditions for enjoying pension insurance benefits? The Guangdong Social Pension Insurance Regulations stipulate that insured persons must meet certain conditions before they can receive a monthly basic pension. According to China's labor laws and regulations and relevant policies, male workers who have reached the age of 60, female cadres who have reached the age of 55, and female workers who have reached the age of 50 can go through retirement procedures, and their pension insurance benefits will be approved by the social insurance department. Workers engaged in underground, high-altitude, high-temperature, especially heavy physical labor and other jobs harmful to their health, men who have reached the age of 55 and women who have reached the age of 45; workers who have worked for a cumulative total of 10 years in high-altitude and especially heavy physical labor positions, a cumulative total of nine years in high-altitude positions underground, and a cumulative total of eight years in other jobs harmful to their health, can go through the procedures for early retirement for the special types of jobs. Those who have become disabled due to illness or non-work-related disability and have been appraised by the relevant authorities as having lost their labor capacity completely, and those who have reached 50 years of age for men and 45 years of age for women, can go through the early retirement procedures. It should be noted in particular that the identification of a female worker's current position is based on the labor contract signed between the employer and the worker, i.e., regardless of whether the original status is that of a worker or a cadre, the current position should be based on the position identified in the labor contract, and any person who has been working in the current position for more than one year should be identified by his or her current position. Those who are 50 years of age in the case of workers and 55 years of age in the case of managerial positions may go through retirement procedures. In addition, female cadres who are unemployed or laid off are no longer in cadre positions and enjoy the same treatment as unemployed or laid-off workers, whose "current positions" should be recognized as workers. Therefore, unemployed and laid-off former female cadres who have reached the age of 50 can go through retirement procedures. 3. How do I declare my pension benefits? Units report to the social insurance department two months before the employee reaches retirement age to review the pension insurance benefits. In the application for retiree pension benefits should provide the relevant information: First, "pension insurance benefits declaration form" in duplicate; Second, the insured person ID card or a copy of the household register; Third, reflecting the insured person to participate in the work of the time and the time of birth of a copy of the curriculum vitae; Fourth, the "on-the-job workers increase or decrease in duplicate declaration form; Fifth, the insured person, "Employee Pension Insurance Handbook" or other proof of participation; Sixth, the approved deemed years of contributions. Approved deemed contribution years and critical wage conclusion information. If the insured person is engaged in a special type of work for early retirement, he/she must also provide a copy of the resume sheet that records the time spent in the special type of work. For the early retirement of people who are disabled due to illness or non-work-related reasons, the labor ability appraisal conclusion issued by the Labor Ability Appraisal Committee of the prefectural municipalities shall be provided; the employees of the provincial coordinated units shall be provided with the labor ability appraisal conclusion issued by the Labor Ability Appraisal Committee of the province. It should be noted that the pension insurance benefits will be paid from the month following the completion of the review of the pension insurance benefits. If the time of completion of the audit does not coincide with the time when the employee reaches the legal retirement age, the pension insurance fund will pay back the pension during the delayed period if the audit department is delayed; if the employer fails to declare the delay in time, the unit will be responsible for paying back the entitlement; if the delay is caused by the failure to declare the delay in time due to personal reasons, the pension during the delayed period will not be paid back. In addition, after the termination or dissolution of the labor contract, the social insurance agency can, according to the application of the individual contributions to the individual account of the pension insurance part of a one-time refund to the individual, while the end of the pension insurance relationship. 4, the level of old-age insurance benefits and what factors are related to? According to the Regulations on Social Pension Insurance of Guangdong Province, the pension of retired persons consists of basic pension, individual account pension and transitional pension. The composition of the pension reflects the principle of combining "fairness and efficiency" in social insurance. It is said to be "fair" because no matter when you retire, and what your position and salary level were before retirement, you will enjoy an equal basic pension. The basic pension is calculated at 20% of the average monthly salary of the employees in the city where the employee retired in the previous year. The efficiency is reflected in the transitional pension and personal account pension, the main factors affecting these two parts of the pension is the length of the contribution period and the level of contribution. The higher the level of monthly contributions and the longer the number of years of contributions, the higher your personal account pension and transitional pension will be. In particular, it should be noted that although the regulations stipulate that the number of years of contributions must be fifteen years (or ten years in the case of middle-aged people) in order to be eligible for long-term old-age pension benefits, the fifteen-year requirement is only one of the conditions for entitlement to long-term benefits, and does not mean that employees do not have to participate in the insurance scheme once they have paid enough contributions to cover the fifteen-year period. The employee should pay the pension insurance premiums according to the actual working years, in order to improve the level of their pension after retirement.