There are seven employees in the company who want to buy old-age insurance, but I approved two people by mistake. Can these two people's money be refunded or exchanged?

The insurance that an enterprise can buy for its employees can be roughly divided into three categories: basic insurance (five insurances and one gold), supplementary insurance and other group insurance.

You can't tell the ID number of rural villages and towns, just take a copy of your ID card.

Rural hukou can be migrant workers.

Some reference materials for reposting

1, "Half of the total amount is paid by the company and the other half is borne by the employees themselves", which is wrong. According to the law, the employer pays the basic old-age insurance premium according to 20% of the total average monthly salary of all employees in the previous year, and the individual employees pay the basic old-age insurance premium according to 6% of the average monthly salary in the previous year.

This company is wrong and should be corrected according to law. No matter which company you go to, you must pay according to law.

3. This is the endowment insurance of social insurance.

4, should be paid until retirement (male 60 years old, female 55 years old).

5. If the payment is stopped halfway, it shall be made up and a late payment fee of 0.5 ‰ per day shall be paid. You can't return halfway. By the time of retirement, the total payment is less than 15, which is paid by the returned individual.

5. Working in other provinces can be transferred back to the local area through the labor department.

6. If there is no work unit, it shall be handled by the street office and paid by all individuals. Social insurance knowledge question and answer

1. What is social insurance and what does it include?

Social insurance refers to a social security system that is enforced by the state through legislation and set up by the society to provide material assistance to unemployed workers who temporarily or permanently lose their ability to work. Social insurance includes: old-age insurance, unemployment insurance, medical insurance, industrial injury insurance and maternity insurance.

Second, the scope of collection of social insurance premiums

According to the Provisional Regulations on the Collection and Payment of Social Insurance Fees and the relevant provisions of the People's Government of the Autonomous Region:

(1) Basic old-age insurance: state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, individual industrial and commercial households and their helpers, and institutions and their employees that implement enterprise management.

(2) Basic medical insurance: state-owned enterprises, urban collective enterprises, enterprises with foreign investment, urban private enterprises and other urban enterprises and their employees, state organs and their employees, institutions and their employees, private non-enterprise units and their employees, social organizations and their full-time staff.

(3) Unemployment insurance: state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, institutions and their employees.

(4) Industrial injury insurance: state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, enterprise-managed institutions and their employees.

(5) Maternity insurance: urban enterprises and their employees, enterprise-managed institutions and their employees.

3. Which employees can't stop paying endowment insurance?

(1) During the period when laid-off workers from state-owned enterprises enter the enterprise re-employment service center, the re-employment service center is responsible for paying the old-age insurance premiums payable by enterprises and individuals to social insurance agencies on a monthly basis. Laid-off workers should continue to participate in old-age insurance no matter how they are re-employed or no longer employed. The payment period before and after their re-employment can be calculated continuously, and they can enjoy corresponding treatment according to regulations.

(2) After the restructuring of the enterprise where the employees work, the social insurance relationship will not be interrupted, and they will continue to participate in social insurance as required. Workers transferred from restructured (reorganized) enterprises to private, individual and other economic entities shall continue to participate in old-age insurance and pay old-age insurance premiums. The payment period of employees before and after the enterprise restructuring (reorganization) is calculated continuously, and they enjoy corresponding treatment according to the regulations.

(3) After receiving the one-time resettlement fee, the self-employed personnel shall keep the files and keep the original pension insurance relationship. At the same time, we will continue to pay the old-age insurance premium and enjoy the same old-age benefits as stipulated in the unified system of old-age insurance for enterprise employees after reaching the statutory retirement age.

(4) Those who have paid 15 years but have not reached the retirement age should still continue to participate in endowment insurance and pay endowment insurance premiums according to regulations. If the payment is interrupted, when the basic pension benefits are determined at the retirement age, the calculation base of the basic pension can only be determined according to the average wage of employees in the overall planning area in the year when the payment is interrupted; If payment is interrupted for many times, all the years of interruption of payment shall be deducted, and the payment year of basic pension shall be calculated, and the treatment shall be determined according to the average monthly salary of employees in the overall planning area in the calculation year.

4. What are the legal responsibilities for evading or refusing to pay social insurance premiums?

The "Provisional Regulations on the Collection and Payment of Social Insurance Fees" defines the types and extent of possible illegal acts in each link of the social insurance collection process in the form of a special chapter, and the punishment object is mainly the responsible person, not the unit. For example, if the payer fails to register, change or cancel the registration of social insurance in accordance with the regulations, or fails to declare the amount of social insurance premiums to be paid in accordance with the regulations, the regulations stipulate that the directly responsible person in charge and other directly responsible personnel may be fined between 65,438 yuan and 65,438 yuan according to their illegal circumstances, except that the administrative department of labor insurance shall order them to make corrections. If the payer forges, alters or intentionally destroys relevant account books and materials, or does not keep account books as a means to avoid paying social insurance premiums, the regulations stipulate that the directly responsible person in charge and other directly responsible personnel shall be fined from 5,000 yuan to 20,000 yuan. In addition, the regulations also stipulate that if the payer refuses to pay social insurance premiums within the time limit, the administrative department of labor security shall apply to the people's court for compulsory collection.

Five, the rights and obligations of employees to participate in endowment insurance

Workers have the right and obligation to participate in endowment insurance, and enjoy pension insurance benefits according to law. Workers must participate in the basic old-age insurance according to law and fulfill their payment obligations. Employees have the right to inquire about relevant policies and their own payment from enterprises and social insurance agencies, and have the right to supervise enterprises to insure employees.

Six, how to go through the formalities of participating in endowment insurance?

Units and individual industrial and commercial households newly participating in endowment insurance should go through the social insurance registration formalities at Nanning Social Labor Insurance Management Office (4th floor, Liusha Building, Liwan Road 10), and provide a copy of their business license, enterprise legal person code certificate or organization code certificate, bank and account number, and fill in the roster of insured employees and retirees, ID number, one-inch bareheaded photo of employees, personal information of employees and the support of the insured.

Seven, units and individual workers according to what standard to pay old-age insurance?

20% of the total average monthly salary of all employees in the above-mentioned years is paid by the employer, and the basic old-age insurance premium is paid by individual employees according to 6% of their average monthly salary income in the previous year, and will increase by 0.5 percentage points every year thereafter, eventually reaching 8% of their salary income. The basic old-age insurance premium paid by individual employees shall be withheld and remitted by the employer from the salary every month.

Eight, how to determine the average monthly wage income of employees in the previous year?

As the wage income to pay the basic old-age insurance premium, according to the provisions of the National Bureau of Statistics, it includes hourly wages, piece-rate wages, post skill wages, overtime wages, various allowances, subsidies and bonuses. Social insurance agencies shall verify the basic old-age insurance premiums payable according to the average monthly salary of employees in the previous year. If the average monthly salary is lower than 60% of the average monthly salary of local employees in the previous year, the payment base shall be determined by 60%; If the average monthly salary exceeds 300% of the average monthly salary of local employees in the previous year, the basic old-age insurance premium will not be paid for the excess, nor will it be used as the base for calculating and issuing pensions when retiring.

Nine, how to establish a basic old-age insurance personal account?

The unified time for establishing individual accounts for basic old-age insurance in our region is11July 19961; Personal account is counted as 1 1% of the insured's base salary. All individual contributions are credited to individual accounts, and the rest are included in enterprise contributions.

Ten, laid-off workers and unemployed people how to pay the old-age insurance?

According to the relevant national policies, laid-off workers will pay the old-age insurance premium after they enter the re-employment service center and sign an agreement. After entering the center for three years, those who are not re-employed will be transferred to unemployment insurance institutions to enjoy unemployment relief. The pension insurance for the unemployed is paid by the unemployed himself, and the payment period is calculated continuously. Payment standards are paid according to the standards of individual industrial and commercial households, and the proportion included in individual accounts and pension plans are still implemented according to employees of state-owned enterprises.

Eleven, when workers reach the statutory retirement age, how should the basic pension be paid?

(a) workers reach the statutory retirement age, the unit and individual workers accumulated payment period reached 15 years and above, the basic pension is paid in the following ways:

(1)1Those who joined the work before June 30, 1996,1those who retired after July 60, 1996, will receive the basic pension in four parts at the time of retirement;

The first part is the basic pension: it is calculated and paid according to 20% of the average monthly salary of employees in the last year in the overall planning area at retirement.

The second part is personal account pension: the payment is calculated according to the amount of personal account storage at retirement divided by 120.

The third part is transitional pension: before the implementation of individual account (1 before June 30, 1996), if the unit and the employee have paid the basic old-age insurance premium for 30 years or more, 65438 will be paid at the rate of 0.4% of the employee's indexed monthly average contribution salary for each year. If the payment is over 20 years and less than 30 years, 0.3% of the average monthly indexed payment salary of the employee shall be paid for every full 1 year; If the payment is over 15 but less than 20 years, 65438 will be paid at 0.2% of my indexed monthly average payment salary for each full 1 year; If the payment of personal account is less than 15 years before the implementation, but the cumulative payment period of personal account before and after the implementation reaches 15 years (including the payment period), it will be calculated and paid at 1% of the average monthly indexed payment salary of employees.

The indexed monthly average payment salary refers to the product of the average payment salary of employees in the overall planning area in the four years before the implementation of individual accounts and the average monthly salary of employees in the overall planning area in the previous year when they retire.

The fourth part is the transitional adjustment fund: before the implementation of individual account (1June 30, 1996), enterprises and employees themselves pay the basic old-age insurance premium: ① If it reaches 30 years or more, it will be paid to 95 yuan; (2) 20 years but less than 30 years, to 90 yuan; (3) If it is over 15 but less than 20 years, it will be sent to 85 yuan; ④ If the individual account is less than 15 years before its implementation, but the payment period before and after the individual account reaches 15 years (inclusive), it will be sent to 80 yuan.

(2) After the establishment of individual accounts for basic old-age insurance (1 July 19961later), employees and urban individual industrial and commercial households participating in old-age insurance will receive basic pensions in two parts when they retire:

The first part is the basic pension: it is calculated and paid according to 20% of the average monthly salary of employees in the last year in the overall planning area at retirement.

The second part is personal account pension: the payment is calculated according to the amount of personal account storage at retirement divided by 120.

(2) Before the implementation of the personal account (1June 30, 1996), the employees who participated in the work payment and accumulated less than 15 years reached the statutory retirement age. According to the actual payment period, pay the average monthly salary of employees in the overall planning area every 1 month, and pay the amount stored in personal account to me in one lump sum, and then terminate the pension insurance relationship.

(3) After the implementation of personal account (1 July 9961), if the contributions of units and individuals are less than 15 years, they will not enjoy the basic pension benefits after retirement, and the amount stored in their personal accounts will be paid to them in one lump sum, and the pension insurance relationship will be terminated thereafter.

Twelve, the basic pension (pension) unchanged?

The basic pension received by employees after retirement will be increased by 50% of the average wage growth index of employees in the whole region every July 1 day from the next year after retirement. If the state and the autonomous region have provisions to increase the treatment of retired workers in that year, the part that is higher than my own increase of 50% of the average wage index of employees in the whole region will be supplemented, and the average wage index of employees in the whole region will remain unchanged when it grows negatively.

Thirteen, the relevant provisions of the individual workers and freelancers to participate in social endowment insurance.

1. What are the procedures for participating in social endowment insurance?

You go to the municipal social insurance agency [the first floor of Labor and Social Security Building, South Erli, Guichun Road (diagonally opposite to the national western vegetable market, next to jinzhou area Building)] to register with your individual business license, ID card and one-inch bareheaded photo, receive the Employee Pension Insurance Manual, check the payment base, pay the old-age insurance premium according to regulations, and go through the insurance formalities for the first time. In the future, the annual premium can be paid half a year or one year.

Social insurance institutions will establish personal accounts for employees who participate in social endowment insurance, and issue a statement of personal accounts for the previous year when the insured pays the next year, which will be signed and pasted on the employee endowment insurance manual after verification by himself. When reaching the statutory retirement age, the Employee Pension Insurance Manual shall be used as the basis for calculating retirement benefits.

2. How to determine the payment base and proportion?

(1) 60%-300% of the average monthly salary of employees in the overall planning area above the payment base is divided into several grades after the upper and lower limits are delineated, and the insured person chooses a grade to pay according to his actual situation, and the payment will remain unchanged for a certain year (July of that year to June of the following year is the unified payment year in the overall planning area).

(2) The payment ratio is 18%, of which the owner pays all, the employees (i.e. employees and helpers) pay 8% and the rest is paid by the owner. The part paid by the employee himself shall be withheld by the owner from his wage income and paid to the social insurance institution.

(3) The basic old-age insurance premium paid shall be paid before tax, excluding tax.

3. How to calculate the payment period?

The number of years of self-employed workers participating in basic old-age insurance before engaging in self-employment can be combined with the number of years of payment and the amount of personal account storage when engaging in self-employment Similarly, if individual workers are employed or recruited to work in various enterprises and participate in old-age insurance, the years of basic old-age insurance premiums paid during their self-employment and the amount stored in individual accounts can also be calculated together.

4. How to handle retirement?

Individual workers who participate in social endowment insurance and pay endowment insurance premiums according to the prescribed number of years shall, when reaching the statutory retirement age, go through retirement formalities with social insurance institutions with their ID cards, household registration books and the Handbook of Employee Endowment Insurance, and enjoy retirement pension benefits from the next month after being examined and approved by social insurance institutions. Pensions entrust banks to open personal savings accounts on their behalf.

5. How to calculate the pension benefits?

When reaching the legal retirement age (men over 60 years old and women over 50 years old), the accumulated payment period 15 years and above pension insurance benefits will be calculated and paid according to the same treatment for employees of state-owned enterprises.

6. What are the benefits of participating in social endowment insurance?

Individual workers who have participated in social endowment insurance, reached the statutory retirement age and accumulated payment period of 15 years or more can enjoy the following rights with employees of state-owned enterprises with the same conditions:

(1) You can get a pension from the social insurance institution every month, which really realizes a sense of security for the elderly.

(2) The pension is linked to the average social wage, which makes one's old age life more secure.

(3) Enjoy the automatic adjustment of the annual pension, that is, adjust the pension at 50% of the average social wage growth rate in the whole region every July 1 day.

(4) Retirees who are cremated according to the policy after death can enjoy the following benefits:

(1) Funeral allowance paid to the relatives of the deceased, with the standard of 4 months' average salary of employees in this city last year;

(two) the one-time living allowance for the immediate family members of the deceased, that is, the monthly pension of the deceased as the base, and the living allowance for 8 months;

(3) according to the different conditions of supporting immediate family members, from the second month of death, the monthly aid will be paid at 20%-30% of the average monthly salary of employees in this city in the previous year. The aid is adjusted once a year in July according to 50% of the average monthly wage growth rate of employees in this city.

7. Under what circumstances does the social insurance agency pay the basic old-age pension in one lump sum and terminate its basic old-age insurance relationship?

(1) If the accumulated payment is less than fifteen years after reaching the statutory retirement age, the principal and interest of the basic old-age insurance premium paid by the owner and the principal and interest of the employee's personal account shall be paid to me in one lump sum.

(II) If the owner dies before or after retirement, the principal and interest of the basic old-age insurance premium that he did not receive during the self-employed period shall be paid to his legal heir or designated beneficiary in one lump sum, and the principal and interest of the personal account that the employee did not receive during his employment in individual industrial and commercial households shall be paid to his legal heir or designated beneficiary in one lump sum.

(3) If the owners and employees have not reached the statutory retirement age to go abroad or settle in Hong Kong, Macao and Taiwan, the principal and interest of the basic old-age insurance premium paid by the owners themselves and the principal and interest of the employee's personal account will be paid to them in one lump sum, and their basic old-age insurance relationship will be terminated.

Thirteen. Instructions for handling social insurance

1, social insurance registration

The payer holds a business license, approval certificate or other approved practice certificate to apply for a social insurance registration form at the municipal social insurance agency. The payer shall fill in the registration form item by item and submit it to the social insurance agency. The social insurance agency shall, after passing the examination and approval of the registration form, approve the registration and issue the social insurance registration certificate to the payer.

Within 30 days from the date when the social insurance registration items of the payer are changed or the payment is terminated according to law, the social insurance agency shall go through the formalities of changing or canceling the social insurance registration.

Step 2 declare payment

The payer shall go through the formalities of payment declaration at the social insurance agency before the 5th of each month, and submit the monthly report on the roster of employees participating in social insurance and the changes of retirees. The social insurance agency shall verify the social insurance premium that should be paid by the unit in the current month according to the changes of the insured, and entrust the bank to collect it online.

3, social insurance payment standard

(1) endowment insurance:

The unit takes the total monthly salary of all employees as the base and pays 20%; Individual employees pay 6% of their monthly salary, increasing by 0.5 percentage points every year until individual contributions account for 8% of their salary. Individual contributions are withheld by the unit.

(2) Unemployment insurance:

Units pay 2% of total wages, and employees pay 0% of wage income.

(3) industrial injury insurance:

According to different industries, the unit pays 0.5%- 1.3% of the payment base every month. The floating rate system of industrial injury insurance is implemented once a year in July, and the floating standards and measures are implemented according to the provisions of document No.59 [1996].

(4) Maternity insurance:

The unit pays 0.8% of the payment base every month.

(5) Medical insurance: the unit pays 6% of the total salary, and the employees pay 2% of their salary increase.

4. Other relevant regulations

Units must provide statistical data and financial indicators of their annual wages to social insurance agencies before June each year, and truthfully fill in the roster of the average monthly wage income of employees in the previous year (the salary is in yuan, with the maximum not exceeding 300% and the minimum not less than 60% of the average wage of employees in the previous year). The approved wage standard is used as the social insurance payment base from July this year to June the following year.

Units must pay social insurance premiums in full and on time. Fails to pay, in addition to pay the unpaid part, from the date of default, a daily surcharge of 2‰. Late payment fees are incorporated into social insurance funds. If the circumstances are particularly serious, the administrative department of labor security may impose a fine on the person directly responsible according to law.

Fourteen Socialization of pension payment

1. What is socialized pension payment?

Socialized payment of endowment insurance is a way to pay endowment insurance premium, which mainly means that enterprises and individuals pay endowment insurance premium to social insurance institutions on time and in full according to regulations, and social insurance institutions entrust social service institutions such as banks, post offices and communities or social security institutions to directly pay pensions to retirees who meet pension benefits.

2. Why should pensions be socialized?

The socialized distribution of pensions is a concrete manifestation of the establishment of a social security system independent of enterprises and institutions proposed by the CPC Central Committee and a powerful guarantee for ensuring the timely and full distribution of pensions. In the fierce market economy competition, enterprises are bound to go bankrupt and get into trouble. In order to ensure that the basic life of enterprise retirees is not affected by the economic situation of enterprises, socialized pension payment must be implemented.

3. What is the principle of socialized pension?

The principle of socialized pension distribution is based on the premise that retirees are nearby, convenient and safe.

4. What items should be included in socialized pension payment? How to distribute the benefits that are not included in the overall plan?

The socialized pension distribution project has been incorporated into social overall planning. Other benefits of retirees who are not included in the social overall planning project are still paid by the employer according to the prescribed policies.

5. Does the enterprise care about retirees after the socialized distribution of pensions?

The socialized distribution of pensions only changed the distribution mode of some pensions as a whole. The part of the original unit that is not included in the social overall planning project is also allocated by the unit. Before the socialized management service for retirees is fully established, the life, old age, illness and death of retirees are temporarily managed by the original unit. After the socialized distribution of pensions, the relationship between retirees and the original enterprises remains unchanged, and enterprises still have the responsibility to care for them and help them solve various difficulties in their lives.

6, the implementation of social pension payment, retirees receive pension related provisions.

(1) The socialized distribution time of pensions in our city is uniformly set at 15 days per month, and it will be distributed in advance in case of holidays.

(2) Pensions shall be managed by special passbook, and shall not be self-marketed, so that social security institutions can transfer pensions to households on time.

(3) When a retiree goes through the first withdrawal formalities at any savings office of a designated bank or post office, he can change the reserved password of the special passbook with his ID card and replace it with his own password.

(4) When retirees find that their special passbook for pensions is lost or forgotten, they can report the loss to the bank or postal savings office in the following ways.

Oral loss reporting: retirees can fill in an application form for oral loss reporting at the savings office near their place of residence, or call the account opening office for oral loss reporting. After reporting the loss, you must go to the account opening branch with your ID card within 5 days to formally report the loss, otherwise the oral loss reporting will be invalid.

Report the loss in writing: retirees can also report the loss in writing directly to the account opening office with their ID cards and household registration books.

If the passbook is reported lost, provide the account name, account number, account opening time, balance and address; If the password is lost, a special passbook shall be provided, and the Application for Loss Reporting shall be filled in triplicate, and the receipt of the Application for Loss Reporting shall be properly kept.

The Application Form for Reporting the Loss of Passbook shall be sent by the employees of the unit to the municipal social security agency for stamp registration as the basis for re-opening an account.

Seven days after reporting the loss in writing, the retiree shall return to the place where the account is located with the Application for Reporting the Loss stamped by the social security agency and his identity certificate.

If you want to know more about insurance, you can go to >> "Raise more fish and talk about insurance" for free consultation!