About handling the business of applying for one-time payment of old-age insurance premium for rural educated youth in the early stage.

First, the purpose and significance of implementing the "Notice on solving the problems related to social insurance for early-stage employees of state-owned collective enterprises in our city"

In order to properly solve the social insurance problem of employees who left the state-owned collective enterprises at or above the county level in our city as soon as possible, ensure their basic livelihood in their later years, and promote social harmony, with the consent of the provincial and municipal people's governments, the Municipal Labor and Social Security Bureau issued the Notice on Solving the Social Insurance Related Problems of the employees who left the state-owned collective enterprises in our city in February 2008 (Huishi Labor Society [2008]182, hereinafter referred to as the Notice).

"Notice" is a special policy issued by the government in the spirit of being highly responsible to the people, fully considering and coordinating the interests of various social interest groups, and starting from the people-oriented point of view, in order to properly solve the old-age and medical insurance problems of the original fixed employees (including cadres) in collective enterprises. This way will play a positive role in safeguarding and improving the living standards of this group, alleviating social contradictions and building a harmonious society. The concrete embodiment and important measures of governing for the people. The implementation of the "Notice" will play a positive role in gradually solving the problems left over from the history of endowment insurance in our city and further improving the endowment insurance system.

Second, the scope of application of the notice

This notice is applicable to persons who meet the following conditions:

(a) is now the city's urban household registration;

(2) 1,1June 30, 978 to1June 30, 994;

(three) the original enterprise refers to the state-owned collective enterprises at or above the county level (including the central and military enterprises and the original restructuring and bankruptcy enterprises) that participated in the overall planning of the old-age insurance in our city after July 1994;

(four) the original enterprises include institutions that participate in the overall planning of our city, but do not include organs, institutions and social organizations that implement the individual payment system for office staff;

(five) the identity of the original enterprise is the original fixed staff (including cadres);

(6) The working years before leaving the original enterprise do not conform to the national and provincial policies for calculating the continuous working years, and cannot be used as the payment period of the old-age insurance.

Third, the way to solve the problem of early retirement of enterprise employees' endowment insurance in our city.

Workers who leave our city at an early age can solve the problem of their old-age insurance by paying the old-age insurance premium in a lump sum on a voluntary basis, according to their needs and economic ability, that is, within the scope of their original working years approved by the administrative department of labor and social security, they voluntarily choose the payment period and pay the old-age insurance premium in a lump sum, and the longest payment period they choose shall not exceed the approved original working years.

Four, a one-time payment of old-age insurance premium payment base, proportion and specific amount calculation method.

(1) monthly payment base: 72 1 yuan.

(2) Payment ratio: determined by 18% (of which 1 1% is credited to personal account and 7% is credited to pension insurance pooling fund).

(3) The calculation formula of lump-sum payment amount: 72 1 (yuan) × 18%× the lump-sum payment period selected by me (converted into months).

(4) Calculation of interest: For the lump-sum payment amount calculated according to the above formula, the interest shall be calculated according to the specified interest rate. The interest period starts from 200 1 11October1and ends on February, 20081.

One-time payment of endowment insurance premiums shall be borne by the enterprise personnel who leave our city in advance.

Bear.

Example 1: Wang, a 59-year-old male enterprise employee who left Huizhou at the beginning of urban hukou. 197/kloc-0 joined the work (full-time employee) in May, and 1984 was automatically resigned by the state-owned collective enterprise in April, and never participated in the endowment insurance. Approved by the local labor and social security administrative department, his original working life in state-owned enterprises was 65433.

(1) Wang is a "newcomer" because he has never participated in insurance payment since he left the company in our city. In order to receive the basic pension on a monthly basis, his cumulative payment period must be 15 years.

(2) Because Wang Yuan's working experience in a state-owned enterprise approved by the local labor and social security department is 13 years, when he chooses to pay the old-age insurance premium in one lump sum, he can only choose 13 years as the longest working experience.

The amount of one-time payment of endowment insurance premium is:

72 1 (yuan) × 18%× 13 (year )×12 (month) =20245.68 (yuan)

Note: Interest is calculated separately, based on 20245.68 yuan, from 2001.1.2008,1.2008,1.02,31. Wang actually needs to pay a one-time pension insurance premium of 20,245.68 yuan and the interest charged.

Note: In order to receive the basic pension on a monthly basis, Wang must pay the endowment insurance premium continuously for 2 years.

Example 2: Li, a male employee, left Huizhou at the beginning of urban household registration, aged 66. /kloc-0 joined the work (regular employee) in April, 1976./kloc-0 was removed from the state-owned enterprise in March, 1987, and never participated in the endowment insurance. The local labor and social security administrative department approved that his original working years in state-owned enterprises were 165438.

(1) Li is a "newcomer" because he has never been insured to pay fees after leaving the company in our city. In order to receive the basic pension on a monthly basis, his cumulative payment period must be 15 years.

(2) As the working life of a state-owned enterprise approved by the local labor and social security department in Lee Won Jae is 1 1 year, only 165438+ can be selected.

(3) Li reached retirement age in July 2002. According to the relevant regulations, he can pay the endowment insurance premium for four years from July 2002 to June 2006 in one lump sum.

The term of one-time payment of endowment insurance premium is 1 1 year +4 years = 15 years, and the amount is:

72 1 (yuan) × 18%× 15 (year )×12 (month) = 23,360.40 yuan.

Note: the interest is calculated separately, based on 23,360.40 yuan, from 2006,5438+0, 1, 2008, 1, 02,365,438+0,2008, at the specified interest rate. Li actually needs to pay the endowment insurance premium of 23,360.40 yuan and the interest collected.

Fifth, after one-time payment, it reaches the retirement age stipulated by the state, but the accumulated payment period can not reach the treatment of receiving basic pension on a monthly basis.

According to the provincial government's Notice on Implementing the Decision of the State Council on Improving the Basic Old-age Insurance System for Enterprise Employees (No.96 [2006] of Guangdong Province), you can apply for continuing to pay the old-age insurance premium until you meet the conditions for receiving the basic pension on a monthly basis.

6 workers who leave our city early can enjoy the conditions of receiving basic pension on a monthly basis.

These two conditions must be met:

(1) Age condition: reaching the required age for receiving basic pension;

(two) payment period conditions:

1, 1 July, 9981(including today), you must participate in the basic old-age insurance (referred to as "newcomers"), and the cumulative payment period must reach 15 years;

2, 65438+ 1998 to participate in the basic old-age insurance (hereinafter referred to as "middleman"), 20 13 to reach the retirement age stipulated by the state before June 30, and the cumulative payment period must reach 10 years;

3,1participate in the basic old-age insurance before June 30th, 998 (hereinafter referred to as "middleman"), and reach the retirement age stipulated by the state after July 0th, 20 13 (including today), and the cumulative payment period must reach 15 years;

Before June 30th, 1998, it should be insured but not insured. After July 1, 1998, the cumulative payment period must be 15.

Seven, the city's enterprise personnel who leave early plan to pay the basic pension standard.

The basic pension is calculated and paid according to the document No.96 [2006] of Guangdong Government.

Eight. Persons who meet the requirements of receiving basic pensions on a monthly basis shall receive basic pensions for a period of

Applications that have reached the retirement age stipulated by the state before the implementation of this notice.

People, the longest basic pension can be traced back to 1 in 2009.

Month.

Nine, the insured payment personnel, at the same time according to the provisions of the "notice" for a one-time payment procedures, the payment period and personal account processing.

It is allowed to follow the provisions of this notice. The original payment period and personal account are calculated separately from the one-time payment period and personal account. After a one-time payment, those who meet the conditions for receiving the basic pension on a monthly basis may apply for receiving the basic pension.

X. Handling medical insurance for enterprise personnel who leave our city early.

After the employees who left our city in the early stage choose one-time payment, their medical insurance will be implemented in accordance with the relevant policies of local basic medical insurance.

Xi。 Procedures and materials required for employees who leave our city in advance to apply for one-time payment of endowment insurance premiums.

For more information, please refer to the service guide.

Twelve, early resignation of enterprise personnel require a one-time payment of old-age insurance premiums.

The time limit is to register with the Municipal Labor and Social Security Bureau within one year from the date of publication of Huizhou Daily. Please inform each other and deal with it as soon as possible.

Thirteen, to solve the city's uninsured educated youth social insurance measures.

The uninsured educated youth who have returned to the city can solve their social insurance problems with reference to the Notice on Issues Related to Social Insurance for Persons Leaving their Posts Early in State-owned Collective Enterprises in Our City (No.2008182 of Huishi Labor Society).

(1) Scope of application

Educated youth who are registered as urban residents in this city, who have not arranged jobs after returning to the city, engaged in individual industrial and commercial households or flexible employment (including unemployment) and have not participated in the basic old-age insurance can be included in the scope of social insurance this time (but not included in the field educated youth who bought houses in our city and turned into urban household registration in our city).

(two) the basic old-age insurance payment method

The number of years and arrangements for uninsured educated youth to return to the countryside are in township enterprises.

After the years of work in the industry have been examined and confirmed, individuals can apply for one-time payment.

Old insurance premium.

1, uninsured educated youth can apply for one-time payment of old-age insurance premiums within one year from the date of implementation of these measures according to their own needs and economic ability.

If the one-time payment period is less than 15 years, you can apply for repayment in 15 years, and if it exceeds 15 years, you can repay it according to the actual years.

2. The one-time payment base is 72 1 yuan (90% of the average monthly salary of employees in Huizhou in 2000), and the payment ratio is 18%. For lump-sum payment, interest will be calculated according to the bank's one-year deposit rate and method from 200 1 1.

(III) The personal account record of endowment insurance and the calculation of payment period, the calculation and payment of endowment insurance benefits, medical insurance, file review and specific handling, and the implementation time shall be implemented in accordance with the "Notice on Solving the Problems Related to the Early Social Insurance of the Employees of State-owned Collective Enterprises in Our City".

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.