What is the meaning of the pension insurance fund

Legal subjective: In recent years, with the economic development of Chengdu, many foreigners came to Chengdu to work and settle down, so there are also many problems, including what is the meaning of the social insurance fund is the key concern of the people, organizing the relevant content, welcome to read, I hope that these contents are helpful to you. First, what is the social insurance fund social insurance fund, refers to the social insurance in order to have a reliable financial security, the state through legislation to require the whole society to establish a unified, for the payment of social insurance treatment of special funds. Assets purchased with such funds and their appreciation also fall within the scope of the social insurance fund. The social insurance fund is also a fund raised by the State for the purpose of organizing social insurance undertakings, and is used to pay the insurance premiums and allowances enjoyed by workers in the event of their temporary or permanent loss of working capacity or working opportunities. Second, the category of social insurance fund mainly contains five categories, namely: 1. basic pension insurance fund; 2. basic medical insurance fund; 3. industrial injury insurance fund; 4. unemployment insurance fund; 5. maternity insurance fund. Sources 1. Insurance premiums paid by the insured person as a percentage of his/her wage income (or the average wage of the employees if the wage income cannot be determined); 2. Insurance premiums paid by the insured person's employer as a percentage of the total wages of the employees of the employer; 3. Government's financial subsidies to the social insurance fund; 4. Bank interest or investment return on the social insurance fund, and social donations. Financing mode 1. Pay-as-you-go system: Generally, employers and employees pay social insurance tax or social insurance premiums according to a certain percentage of their total wages; this financing mode requires that a budget be made for the expenses required to be paid for a certain social security measure in the current year or in the recent years, and then the expenses will be apportioned to the units and individuals who participate in the social insurance system according to a certain percentage, and paid for in the same year when the money is withdrawn.2. Full accumulation system: Generally, workers are required to pay social insurance premiums according to a certain percentage of their wages starting from the time they join the workforce. Full Accumulation System: Generally, workers are required to pay insurance premiums at a certain percentage of their gross wages by the employer and the employee or only one of them on a regular basis from the beginning of their participation in the work, which is credited to their individual accounts as a long-term fund for storage and accumulation as well as for preserving and increasing the value of the insurance, with the ownership belonging to the individual, and they are entitled to a lump-sum payment or a monthly payment when they receive their insurance benefits under the stipulated conditions. 3. Partial Accumulation System: One part of the insurance costs is paid in a pay-as-you-go manner to meet the current needs, while the other part is paid by accumulation to meet future increases in payment needs. The other part is accumulated to meet the growth of future payment needs. Legal Objective: Enterprise pension insurance is a kind of insurance fund system that the state stipulates that enterprises must pay for their own employees. Enterprise pension insurance refers to a kind of auxiliary pension insurance established by an enterprise for its own employees according to its own economic strength and under the implementation policy and implementation conditions stipulated by the State. It is the second level in the multi-level pension insurance system, which is guided by the state and implemented by the enterprise's internal decision-making. Responsibilities of enterprise pension insurance: enterprise pension insurance agency is responsible for handling pension insurance affairs, collecting pension insurance premiums in accordance with the law, urging enterprises and insured persons to pay pension insurance premiums in full and on time; establishing and improving the pension insurance files and personal accounts of the insured persons, and safeguarding the safety and integrity of the pension insurance files in accordance with the law; paying the basic pension and other pension insurance benefits of the insured persons in accordance with the law; handling the pension insurance relationship and personal accounts of the insured persons, and ensuring the security and integrity of the pension insurance files. Pension insurance relations and personal accounts of the insured transfer procedures; timely preparation of the draft budget and final accounts of the pension insurance fund, accounting and statistical reports; operation of the pension insurance fund in accordance with the law, to ensure that the fund is safe and value-added; to provide consulting and querying services to the enterprise and the insured about the pension insurance; organization and promotion of social management services for retirees; the state and other duties stipulated by the local government. Scope of enterprise pension insurance contribution: According to the Interim Regulations on Social Insurance Collection and Payment (Decree No. 259 of the State Council), state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and their employees, institutions and their employees who have implemented enterprise management, and urban self-employed industrial and commercial enterprises and flexibly employed persons, are included in the scope of enterprise pension insurance collection and payment. Declaration of participation in enterprise pension insurance: participating units and individuals shall go through the procedures of declaration of participation and payment of contributions in accordance with the provisions of the Interim Measures for the Administration of Social Insurance Registration and the Interim Measures for the Administration of Declaration and Payment of Social Insurance Premiums. 1. When employing units (including individual industrial and commercial enterprises, hereinafter referred to as the same) declare participation in pension insurance in accordance with the law, the employing units shall apply for registration of social insurance in accordance with the regulations in a timely manner and shall be required to fill in the "social insurance registration form" and the "table of information on persons participating in social insurance", and the "form of information on persons participating in social insurance". Participants in social insurance form", and provide the following documents and information: (1) business license, approval of the establishment of documents or other approved practice documents; (2) organization unified code certificate; (3) the participants of the civil identity card, household registration, "labor contract" or can prove the existence of the labor relationship of the other information; (4) into the establishment of the transfer to the social security institutions in the place of transfer also need to provide the social security institutions issued by the (2) For those who are insured as flexibly employed persons, when they apply for social insurance registration, they should fill in the Form of Participants in Enterprise Pension Insurance and provide the following documents and information: (1) Identity card; (2) Hukou booklet; (3) If they have been insured in other integrated regions before registration, they should also provide the Form of Transfer of Enterprise Pension Insurance Relationship issued by the social security institution of the place of their original participation. Enterprise Pension Insurance Relationship Transfer Form"; (4) the termination of labor relations with the unit, should also provide "notice of termination of labor contract" or "notice of termination of labor contract" and other relevant evidence; units or individuals participating in the insurance through the audit, should be established in a timely manner to participate in the basic information, issued by the "Social Insurance Registration Certificate" and "Enterprise Pension Insurance Handbook". 3, the insured unit should be changed in accordance with the law of the social insurance registration, you need to Fill in the "social insurance change registration form", and provide the following documents and information: (1) social insurance registration change application; (2) industrial and commercial change registration form, the relevant departments or units approved by the change certificate; (3) social insurance registration certificate; (4) organization unified code certificate. After the examination and approval of social insurance changes, the content should be entered according to the requirements of the information system. If the content of the social insurance change registration involves the content of the social insurance registration certificate needs to be changed, the original social insurance registration certificate should be withdrawn and the social insurance registration certificate should be reissued.4. When the insured unit cancels the social insurance registration according to the law, the unit needs to fill in the Social Insurance Cancellation Registration Form, and provide the following documents and information according to the type of cancellation, respectively The following documents and information: (1) notification of cancellation or court ruling on corporate bankruptcy and other legal instruments; (2) the competent authorities of the unit to approve the dissolution, withdrawal, termination of the relevant documents; (3) the relevant departments to approve the transfer of the transfer of the transfer of the transfer of social security institutions agree to accept the proof; social insurance cancellation registration through the audit, should be withdrawn, cancel the "social insurance registration card", stamped with the "cancellation" chapter, sealed with the social security agency. " seal, seal all the information of the unit. The above business belongs to the individuality, and complete procedures on the same day to close, batch business the same month to close, special circumstances appropriate extension. Enterprise Pension Insurance Treatment Approval: 1, one month before the employee from the statutory retirement age, should make an application for retirement, fill out the "Basic Pension Insurance Treatment Audit Form", together with the following documents and information reported to the pension insurance agency for review: (1) a copy of ID card; (2) the proposed retiree files; (3) the new unit of participation in the new unit of participation in the former has been for the retirement (job) formalities, you need to provide the original approval has been approved by the Retirement (job) documents; (4) on the retirement due to illness, retirement and special types of retirees, the insured unit should be strictly in accordance with the provisions of the YuLao insurance [1999] No. 43 declaration and publicity, to provide the time and content of publicity; (5) policies and regulations of the other documents and information. Social insurance agencies to participate in the verification of the authenticity of the documents and information declared by the unit. 2, through the audit and approved by the Ministry of Labor and Social Security retirement, in accordance with the "Henan Provincial Department of Labor and Social Security, Henan Provincial Department of Finance on the reform of the basic pension of enterprise employees on a number of issues of the notice >" (Yu Lao Social Pension [2006] No. 26) the provisions of the document issued by the basic pension The establishment of the retired (job) personnel information database, print "retiree pension insurance treatment calculation sheet" in triplicate, social security institutions, archives, retirees, each one. 3, since the approval of the retirement (job) of the month following the month of the complete application procedures for pension insurance treatment payment of pensions, monthly through the bank or postal service to implement the socialization of the distribution of the monthly. 4, the death of the retired (job) personnel, the pre-retirement unit or the Community management service organizations or their dependent relatives, shall, within 5 days after the date of death, fill in the "Application Form for Death Benefits of Retired Personnel", and calculate the death benefits of retired (professional) personnel. For retired (professional) personnel who cannot provide timely proof of death after death, missing persons, sentenced or reeducation through labor, and those who refuse to provide the survival status or cannot prove the survival status, the pension insurance institution will stop issuing their pension insurance benefits.