How to check the balance of the financial account of the social security card on your cell phone

Social security, also known as social insurance, is a system in which the state, through legislation, mandates the establishment of a social insurance fund to provide necessary material assistance to workers participating in labor relations in the event of incapacity or unemployment. Social insurance is not for profit. First, how to check the balance of the social security personal account 1, social security official website query Baidu search "xx city human resources and social security network" in the personal user column enter their ID card / social security card number and query password and login, you can query to the balance of the social security personal account. 2, 12333 query dial 12333 social security Hotline according to the voice prompts, enter the number keys, and as required to enter their ID / social security card number, you can check the balance of the social security, but also professional human services, but it should be noted that the transfer of human services will be in accordance with the standard charges of the local municipal telephone. 3, WeChat query to open the cell phone WeChat - tap on the wallet - enter the city services - locate their own city - click on social security query can be queried! 4, Alipay query open Alipay, in the home page search bar search city services click to enter - click on the social security can check the relevant information; 5, self-service terminal query social security account balance can also be in the social security self-service terminals query, you can generally find in the social security centers, street/community offices, etc., insert their social security card, you can Query. Second, the balance of the social security personal account can be withdrawn according to the "Social Insurance Law" in the sixteenth, if after retirement and contributions for fifteen years can be withdrawn. Specific laws are as follows: Article 14 of the Social Insurance Law, individual accounts shall not be withdrawn in advance, the interest rate shall not be lower than the bank time deposit interest rate, exempt from interest tax. If an individual dies, the balance of the individual account may be inherited. Individuals participating in basic old-age insurance under Article 16 shall receive a basic pension on a monthly basis if they have accumulated fifteen years of contributions by the time they reach the legal retirement age. Individuals who participate in basic pension insurance and have contributed less than fifteen years when they reach the legal retirement age can contribute until they reach fifteen years and receive a monthly basic pension; they can also be transferred to the new rural social pension insurance or urban residents' social pension insurance, and enjoy the corresponding old-age insurance treatment in accordance with the provisions of the State Council. Third, how to calculate the balance of the social security personal account pension = (the province's average monthly salary of active employees in the previous year + my indexed average monthly contribution salary) ÷ 2 × years of contribution × 1% = the province's average monthly salary of active employees in the previous year (1 + my average contribution index) ÷ 2 × years of contribution × 1%. Individual pension insurance is paid at 20% of the contribution base, of which 12% of the contribution base is allocated to the coordinated account and 8% of the contribution base is included in the individual account. The amount of the pension is also calculated in two parts at the time of retirement. One part is calculated from the integrated account, which is the basic pension; the other part is calculated from the individual account, which is the individual account pension. The basic pension insurance premiums are borne by both the enterprise and the individual employee***: the enterprise pays a certain percentage of the average monthly gross salary of the employees of the enterprise for the previous year (19% in Beijing, but may be different in other cities), and the individual employee pays a certain percentage of his/her average monthly salary income for the previous year (generally 8%). Urban individual businessmen, flexibly employed persons and laid-off workers of state-owned enterprises who participate in basic pension insurance in their personal capacity pay basic pension insurance premiums at a rate of 20% of the average social wage of the previous year in the province where they live, all of which is borne by themselves.

Article 4 of the Social Insurance Law of the People's Republic of China (PRC) Article 4: Employers and individuals within the territory of the PRC shall, in accordance with the law, pay social insurance premiums and shall have the right to inquire into the records of contributions, records of the rights and interests of individuals, and to request the social insurance administration organizations to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise the payment of contributions for them by their own units.