Do cross-regional endowment insurance need to be transferred?

When I was young, I left my hometown to work hard in other places. When you reach retirement age and can no longer take part in labor, people will go back to their hometown to enjoy their old age. In the new era, more and more people will do this. Since I'm going back to my hometown to support the elderly, I also need to know something about endowment insurance. Then, can the basic old-age insurance be transferred across provinces? Can the basic endowment insurance be transferred across provinces? Yes, you can. Go through the formalities, print the payment voucher, and submit a written application for the transfer of the basic old-age insurance relationship to the social security agency of the newly insured place. The new insured institutions will be reviewed within 15 working days. For those who meet the requirements, a consent letter will be sent to the original insured institution. Do not meet the conditions, will make a written explanation to the insured. After receiving the letter, the original insured institution will handle all the transfer and handover procedures. After receiving the transferred basic old-age insurance relationship and funds, the new insured institution shall complete the relevant procedures within 15 working days, and notify the insured in time after confirmation. The handling conditions are as follows (taking Guangdong Province as an example): the social security agency in the new employment place agrees to transfer and issue a contact letter for the transfer and continuation of the basic old-age insurance relationship (inter-provincial) or a contact letter for the transfer of the basic old-age insurance relationship within the province (within the province): 1 The insured person continues to work in Guangzhou and participates in the basic old-age insurance II. The insured person is eligible to receive the basic old-age insurance benefits on a monthly basis. The last place to pay the basic old-age insurance premium is Guangzhou (inter-provincial). Those who meet one of the following conditions can apply: 1, male under 50 years old and female under 40 years old. Persons who are employed and insured in this city. Persons with household registration in Guangdong province who are employed and insured in this city 3. Approved by the organization at or above the county level, human resources and social security departments and transferred to the city and insured 4. When they reach the legal retirement age, the payment period of the last insured place is less than 10 year, and the basic old-age insurance relationship is transferred to the last insured place with the stipulated payment period of 10 year, or belongs to Guangzhou because there is no payment period of 10 year. Legal Basis: Notice of General Office of the State Council on Forwarding the Interim Measures for the Transfer and Continuation of the Basic Endowment Insurance Relationship for Employees in Urban Enterprises by Ministry of Human Resources and Social Security and the Ministry of Finance Article 4 When the insured transfers the basic endowment insurance relationship through inter-provincial mobile employment, the transfer funds shall be calculated as follows: (1) The amount of personal account: 65,438+0,998,65,438+0 days ago, the accumulated principal and interest paid by individuals shall be transferred, 438 (II) Overall fund (unit contribution): based on my actual contribution salary in the following years of 1998 1, the transfer will be made according to the sum of 12%. If the insured payment is less than 1 year, the transfer shall be calculated according to the actual payment months. (a) after the insured establishes the basic old-age insurance relationship in the new employment place and pays the fee, the employer or the insured shall submit a written application for the transfer and continuation of the basic old-age insurance relationship to the social security agency in the new employment place. (2) The social security agency of the newly insured place shall, within 15 working days, review the application for transfer and continuation, send an acceptance letter to the social security agency where the insured person's original basic old-age insurance relationship is located, and provide relevant information; Do not meet the transfer conditions, make a written explanation to the applicant or the insured. (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 of the confirmation in time. If there are other basic old-age insurance transfer questions to be answered, it is suggested that you can consult an online lawyer. There are professionals here to communicate with you one-on-one and answer your various questions.

Legal objectivity:

Endowment insurance is an important part of social security system and one of the five most important social insurances. The so-called endowment insurance (or endowment insurance system) is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age. On February 29, 2009, the news was released, and the General Office of the State Council issued a notice on February 28, forwarding the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance Relationship for Employees of Urban Enterprises issued by Ministry of Human Resources and Social Security and the Ministry of Finance, requiring the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government, and the ministries and commissions and institutions directly under the State Council to conscientiously implement it in light of the actual situation. The "Measures" were implemented from 20 10 to 1, aiming at effectively protecting the legitimate rights and interests of employees participating in the basic old-age insurance for urban enterprises, promoting the rational allocation and orderly flow of human resources, and ensuring the inter-provincial flow of insured personnel and the smooth transfer of the basic old-age insurance relationship when they are employed in cities and towns. These Measures shall apply to all persons who participate in the basic old-age insurance for employees of urban enterprises, including migrant workers. Those who have received basic old-age insurance benefits according to state regulations will no longer transfer the basic old-age insurance relationship. 65,438+02% units pay fees in different places, so they don't have to travel around for transfer. China's basic old-age insurance system combines social pooling with individual accounts, and employers and individuals pay the same fees. In the past, the insured person transferred the pension insurance relationship across regions, only to the personal account, not to the unit to pay. Judging from the actual situation, the transfer-in place should bear the responsibility of issuing basic pensions for the transferred personnel in the future, and it will not be paid by the unit at all, so the financial pressure of long-term payment is even greater. Considering the balance of funds between the transfer-in place and the transfer-out place, and between the current period and the long term, the Measures stipulate that the insured person will transfer 12% of the unit payment in addition to transferring the employment personal account across provinces. At present, the unit rate in most areas is 20% of the wage base, and in a few areas it is less than 20%. In this way, most of the unit contributions are transferred to the transfer place with the inter-provincial mobile employment, which reduces the pressure of long-term capital payment in the future; A small part of the unit payment is reserved for the transfer place to ensure the current basic pension payment. It is time-consuming and laborious to let the floating insured travel to and from different regions to handle the transfer and connection procedures of the basic old-age insurance relationship. The "Measures" stipulate that when migrant workers leave the original insured place, the social security agency shall issue a unified style of insurance payment voucher; After the insurance payment in the new employment place, as long as the application for transfer and continuation is filed, all procedures will be handled by the relevant social security agencies in the two places. At the same time, Ministry of Human Resources and Social Security has also published the contact information of all social security agencies at or above the county level for relevant personnel to inquire about their insurance payment and transfer information. It is clearly stipulated that migrant workers do not need to "surrender" where they receive welfare. According to the principle of "uniqueness", the responsibilities of the relevant areas are determined in turn, that is, when the domicile of the insured person is the same as the last insured place, the treatment procedures will be handled at the domicile and the basic old-age insurance benefits will be enjoyed; Where the domicile is inconsistent with the last insured place, those who have been insured at the last insured place for 10 years will receive treatment at the last insured place; Those who have been insured for less than 10 years in the last insured place shall be pushed forward in turn to the insured places with 10 years to go through the formalities for receiving benefits; Those who have been insured for less than 10 years in various places shall go through the formalities for receiving benefits at the place where their household registration is located. This will help to eliminate the phenomenon that in the past, due to unclear responsibilities between regions, individual transfer and transfer often shirked each other. In short, every insured person who has paid more than 15 years can receive a basic pension in one place. A migrant worker in Jiangxi, who was employed in cities and towns in Fujian, Guangdong and Zhejiang, paid insurance premiums for five years each. At the age of receiving national legal treatment, because the accumulated payment period has reached 15 years, you can receive basic pension on a monthly basis. Since he has been insured in all three places for less than 10 years, Jiangxi Province, where his household registration is located, is responsible for issuing basic pensions, and the social security agencies in the three places should transfer corresponding funds to Jiangxi Province according to regulations. However, if he has transferred his household registration to Zhejiang, the last insured place, then the basic pension will be paid by Zhejiang Province, and the other two provinces will transfer the corresponding funds to Zhejiang Province according to regulations. Multi-site insurance, pension calculation of the national unified basic pension for urban enterprise employees, including basic pension and personal account pension. Among them, the personal account pension is calculated by dividing the accumulated savings in my personal account by a certain coefficient, which is the same for migrant workers and workers with stable employment. As long as you pay more and have more savings in your personal account, this part of the pension level will be high. Calculation of basic pension, that is, according to the corresponding relationship between my annual contribution salary and the average salary of local employees in each year, calculate my indexed contribution salary, and then calculate the average value with the average salary of local employees in the previous year as the base for calculating basic pension; Pay 15% of the base when paying 1 5 years, and pay 1% when paying1year. The method adheres to this calculation method, but further clarifies that the annual payment wages of migrant workers in each insured place are calculated according to the average wages of employees in each year corresponding to the final treatment. This not only ensures the unification of national policies, but also is a relatively simple method. For migrant workers who do not return to the city for employment after returning home, the general principle stipulated in the Measures is that their insurance payment records and personal accounts in cities and towns are all valid; If the accumulated payment period is over 15 years or more, after reaching the national statutory retirement age, the basic pension can be calculated and paid like urban workers; Do not meet the prescribed conditions, you can also transfer the relevant rights and interests records and funds of urban insurance to the new rural social endowment insurance system; In short, it is to prevent their existing rights and interests from being damaged. However, in view of the fact that the new rural endowment insurance system has just begun to be piloted, the state will separately study and formulate specific policies for the convergence of urban and rural migrant workers' endowment insurance.