20 17 the new policy of endowment insurance has finally come out. Can I really pay the old-age insurance in one lump sum this time?

20 17 new social endowment insurance policy

First, the scope of supplementary pension insurance

Who meet the following conditions at the same time, voluntarily, can participate in the basic old-age insurance for employees in their personal capacity and pay the basic old-age insurance premium during their work in the original unit:

1.6 before June 30th, people who have established labor relations or formed factual labor relations with urban enterprises (including urban collective enterprises, labor service companies, May 7th factories, family factories, etc.). ), government agencies, institutions, social organizations, etc. , and then terminate the labor relationship or leave the original unit for various reasons, and can provide effective raw materials for those who did not participate in the basic old-age insurance for urban workers (including uninsured educated youth who returned to the city without employment);

2.20101231and they all have urban household registration when going through the insurance payment procedures.

II. Supplementary conditions for endowment insurance

A Persons under the age of 60 for males and 55 for females at the time of registration.

After the payment period expires before June 30, if the male is 60 years old and the female is 55 years old, and the actual payment period reaches 15, the basic pension collection procedures shall be handled according to the regulations; If the actual payment period is less than 15 years, the payment can be extended to 15 years. If the actual payment period is still less than 15 years for men over 65 years old and women over 60 years old, they can pay in one lump sum to 15 years, and go through the basic pension procedures according to regulations.

B. Persons who have reached the age of 60 for men and 55 for women at the time of registration.

After the payment period expires before June 30, if the one-time payment period accumulates to 15 years, the basic pension formalities shall be handled according to the regulations; If the overdue payment period is less than 15 years, the payment can be extended to 15 years. If the actual payment period is still less than 15 years for men over 65 years old and women over 60 years old, they can pay in one lump sum to 15 years, and go through the basic pension procedures according to regulations.

Three. Base and proportion of endowment insurance payment

1.

When insured, the pre-insurance payment shall be paid, and the payment base shall be calculated according to 60% of the average monthly salary of employees in the previous year when the insurance payment procedures are handled in the whole province (or divided into districts and cities, defined by each district and city, the same below), and the payment index shall be calculated according to 0.6; After the insured, the payment base shall be implemented according to the relevant provisions of the payment base policy for flexible employees in that year, which refers to the actually calculated data. The payment ratio is calculated at 20%.

2.65438+February 3 1 before the insured, the previous payment base shall be approved according to 60% of the average monthly salary of employees in the whole province (or districts and cities); Before 65438+February 3 1, the insured shall pay the basic old-age insurance premium according to the regulations, and the payment base shall be implemented according to the relevant provisions of the payment base policy for flexible employees in each district and city.

3. Personal account: during the overdue period, the personal account shall be recorded in a lump sum at 8% of the total payment base.

Further reading —— What are the changes between 2065438+06 and the new pension insurance policy 20 15?

Change 1: Pensions are paid according to the payment period.

In the past, the old-age insurance for employees in our province was composed of four parts: basic pension, personal account pension, transitional pension and adjusted pension. The new calculation and payment method still follows the rule of "payment 15 years or more before receiving pension insurance", but directly linking the pension level with the length and level of payment will establish a stronger incentive and restraint mechanism. Reflected in the various components and payment methods of the plan, the proportion of basic pension has increased correspondingly, while the personal account pension has decreased correspondingly, and the transitional pension and adjustment fund have also gradually shrunk.

According to the new calculation and payment method, the monthly standard of basic pension is not only based on the average monthly salary of employees in the whole province in the previous year and the average monthly salary indexed by myself, but also the payment period becomes an important parameter of pension amount, that is, if the payment exceeds 15 years, it will be paid every time it exceeds 1 year. At the same time, the personal account pension used to be the highest 10 years, and now the monthly standard is divided by the personal account storage.

In other words, the higher the average monthly salary of local employees last year, the more pensions they receive after retirement; The higher the average monthly salary of individuals, the more pensions they receive after retirement; The more the balance of personal pension account, the more pension you will receive after retirement; The longer you pay endowment insurance, the more you will receive after retirement.

Change 2: Personal identity insurance has a five-year transition period.

In the past, our province stipulated that the payment base for urban individual industrial and commercial households and flexible employees to participate in the basic old-age insurance was the average salary of local employees, and the payment ratio was 20%. The newly issued "Implementation Opinions" set a five-year transition period for the above-mentioned personnel, and implemented the policy of gradual transition of one-time payment base and payment ratio.

That is, if individual industrial and commercial households and urban flexible employees participate in the basic old-age insurance, they will pay the basic old-age insurance premium in 2006 and 2007 according to 18% of the average salary of employees in the province last year; In 2008,

In 2009, the basic old-age insurance premium was paid according to 19% of the average salary of employees in the province in the previous year; From 20 10 65438+ 10/month 1, the basic old-age insurance premium shall be paid according to 20% of the average salary of employees in the whole province in the previous year. Among them, 8% is credited to personal accounts, and after retirement, the basic pension is calculated and paid according to the basic pension calculation method for enterprise employees.

Change 3: All migrant workers are included in the scope of old-age insurance.

Our province has previously stipulated that migrant workers will be included in the basic old-age insurance after working in enterprises for more than one year. This time, it is clearly stipulated that migrant workers who have been employed by enterprises for less than one year should also be included in the basic old-age insurance for urban enterprises. For those who are insured as individuals, there is no longer a distinction between urban and rural hukou.

It is reported that migrant workers or migrant workers who participate in the basic old-age insurance in their personal capacity, men over 60 years old and women over 55 years old, and the accumulated payment period is less than 15, can continue to pay after 15 and receive the basic pension on a monthly basis.

Change 4: Personal accounts are all paid by individuals.

From June 5438+1 October1in 2006, the scale of personal account was adjusted from 165438+ 0% of my paid salary to 8%, all of which were formed by individual contributions, and the unit contributions were no longer included in personal accounts. Previously, personal accounts

1 1% consists of two parts, of which the individual pays 8% and the company pays 3%. After the adjustment, although the total amount of individual accounts has changed, the proportion of individual contributions has not changed.

In addition, the "Implementation Opinions" also stipulates that people's governments at all levels in the province should incorporate social endowment insurance into the national economic and social development plan of the region, and establish a basic endowment insurance responsibility sharing mechanism for provincial, municipal and county governments: "establish a basic endowment insurance fund expenditure budget system" to prevent illegal early retirement. Labor and social security departments at all levels are required to strengthen retirement approval and strict retirement approval procedures.

■ Help you pay the bill

The later you retire, the more your pension will be.

The longer the "newcomers" pay, the more pensions they get, which has certain advantages compared with the old policy. Assume the following conditions: 1. Suppose you start working in 2004, and your annual salary will increase by 3%. Suppose the annual pension interest rate is 1.98%.3. Assuming that inflation is not considered, the average social wage will increase by 2% every year.

Xiao Zhang joined the work in July 2006 and began to participate in insurance. If his current pre-tax salary or basic salary is 1000 yuan, Xiao Zhang is willing to work for 20 years. According to the calculation (the calculation process is complicated, so it is omitted), to

After retiring in 2026, Xiao receives a pension of 824 yuan per month; If Xiao Zhang is willing to work for 30 years, his pension will be 1238 yuan per month by 2036.

Mr. Li 1984 joined the work, and the personal account of endowment insurance was stored from 1996, and retired on 20 16. In other words, Mr. Li will retire in 10.

Assuming that Mr. Li's average salary in the future 10 is 3,000 yuan, according to the old policy, he should deposit 3,000 yuan × 12 (month )× 10 (year )× 10/6,5438+0 in the future10.

39,600 yuan. According to the new policy, in the next 10 year, Mr. Li's personal account should be stored as: 3000 yuan × 12 (month )× 10/0 (year )× 8% = 28800 yuan. In other words, after the implementation of the new pension policy, Mr. Li's personal account will be 10800 yuan less.

Based on this situation, coupled with the small accumulation of personal accounts before the "middleman", the new policy made policy compensation for the "middleman". After retirement, on the basis of basic pension and personal account pension, transitional pension and adjustment fund will be given. In addition, for the insured who retires within 5 years after the implementation of the new policy, if the basic pension calculated according to the new pension policy is higher than that calculated according to the original policy, the higher part will be paid according to the proportion corresponding to the retirement year, and the proportion will gradually increase within 5 years; If the basic pension calculated and paid according to the new pension policy is lower than the amount calculated and paid according to the original policy, it shall be supplemented.

"Old people" still pay the basic old-age insurance according to the original regulations, and their benefits increase with the adjustment of pensions.

In short, the new policy encourages delayed retirement, and the later the "newcomers" retire, the more pensions they have: the pensions for "middle-aged people" will not decrease; "Old" pension will increase with the adjustment of pension.