What if both families and companies are paying endowment insurance at the same time?

In the end, you can only enjoy one pension, and the money from another account will be merged into the pension account. You can pay at the same time, but it is not necessary. It is suggested to pay social security for urban workers.

The social security of urban workers is divided into five risks: pension, medical care, maternity, work injury and unemployment. Industrial injury and maternity insurance are paid by the company, but not by individuals. The other three insurances are paid by the company, and the individual pays a small part. Part of the social insurance premium paid by the company will go into your personal account.

Your family's personal social security only includes pension and medical insurance. If you work in a foreign country, it is very inconvenient to use the medical insurance reimbursement at home.

Endowment means that after reaching the prescribed retirement age, you can enjoy pensions and funeral subsidies.

Medical treatment is to obtain certain medical expenses reimbursement according to regulations, so as to reduce the pressure of expenses.

Maternity is reimbursement of maternity expenses and paid maternity leave.

Work-related injuries are reimbursement of medical expenses for work-related injuries, and disability can be compensated to some extent. In addition, there are nursing expenses during work-related injuries and paid vacations.

Unemployment is involuntary unemployment, give some unemployment benefits.

Extended data:

I. Endowment insurance

1, the average monthly salary of employees in the year above the individual contribution is the base (the minimum number is 60% of the salary of employees in the whole city in the previous year; The highest figure is 8% of the city's employees' wages in the previous year.

2. The unit payment is paid according to 22% of the average monthly salary of the employee in the previous year. From June 65438+1 October1day, 2006, Ministry of Human Resources and Social Security adjusted the size of the individual pension account from 165438+ 0% of my contribution salary to 8%.

The previous policy was that individual contributions and 3% unit contributions were all included in individual pension accounts, and unit contributions 19% were transferred to social pooling, while the new policy also included 3% of unit contributions in social pooling to solve the problem of empty accounts in pension accounts.

Two, taking the pension in social security as an example, the calculation formula of the basic pension is as follows:

Basic pension = basic pension+personal account pension+transitional pension = the average monthly salary of employees in the whole city in the previous year before retirement ×20% (the payment period is insufficient 15 is 15%)+ personal account principal and interest and indexed monthly average payment salary ×1payment period before the end of 997 ×

1, basic pension for enterprise employees = basic pension+personal account pension+transitional pension = average monthly salary of employees in the whole city in the previous year before retirement ×20% (15 if the payment period is less than 15)+ personal account principal and interest and indexed monthly average payment salary × 65448.

2. "Newcomer" basic pension = basic pension+personal account pension. The basic pension is calculated and paid according to 20% of the average monthly salary of employees in this city in the previous year when I retire, and the personal account pension is calculated and paid according to the amount stored in my account divided by 120.

Note: Due to objective reasons, the calculation standards of some cities in China may be different.

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