Retirement policy of medical insurance for flexible employees in Kunming

20 16-20 17 retirement age and pension calculation and payment methods for flexible employees in Kunming.

Chapter I General Principles

Article 1 In order to further improve the social security system, promote employment and re-employment, and ensure the basic medical needs of urban flexible employees in this Municipality, these Measures are formulated in accordance with the relevant provisions of the state and the province.

Article 2 The term "flexible employees" as mentioned in these Measures refers to the owners of urban individual economic organizations and their employees and freelancers within the administrative area of this Municipality.

Third flexible employees to participate in the basic medical insurance should adhere to the principle of corresponding rights and obligations, the level of payment and the level of treatment.

Article 4 The municipal administrative department of labor security shall be responsible for organizing the implementation of these Measures, and the medical insurance agency shall be responsible for handling specific business. Chapter II Ways of Participating in Insurance

Fifth flexible employees can choose to establish a unified fund and personal accounts when participating in the basic medical insurance, or they can choose to establish a unified fund instead of a personal account.

Those who choose to establish overall funds and personal accounts will enjoy medical insurance benefits for hospitalization and outpatient service; Those who choose to set up a pooling fund instead of a personal account will enjoy hospitalization medical insurance benefits but not outpatient medical insurance benefits.

Article 6 When participating in insurance, flexible employees should hold their ID cards (or temporary residence permits), household registration books and relevant employment certification materials, and go to the medical insurance agency where their household registration (or temporary residence permits) is applied for to register for insurance and pay medical insurance premiums. Chapter III Collection and Management of Medical Insurance Fees

Seventh flexible employees to participate in the basic medical insurance, based on the average wage of workers in Kunming last year, pay the basic medical insurance premium according to the following proportions:

(a) choose to establish a unified fund and individual accounts of flexible employees, according to the rate of 12% to pay the basic medical insurance premium, the personal account included in the standard according to the "Interim Provisions on Basic Medical Insurance for Urban Workers in Kunming" implementation.

(2) Choose flexible employees who only set up overall funds and pay the basic medical insurance premium at the rate of 8%.

(3) For flexible employees who have reached the age of 45 when they are insured for the first time, the payment ratio will increase by 2% according to the above standards; At least 55 years of age, the proportion of payment increased by 4% according to the above standards.

Eighth flexible employees over 60 years of age, women over 55 years of age, and the continuous payment period of men over 35 years of age, women over 30 years of age can no longer pay the basic medical insurance premium.

The continuous length of service of flexible employees in state organs, people's organizations, institutions and state-owned enterprises can be regarded as the payment period of basic medical insurance, but the actual payment period shall not be less than 15 years.

If the above-mentioned age limit is reached, but the continuous payment period is insufficient, it shall be paid in one lump sum according to the annual payment standard of flexible employees when the above-mentioned age limit is reached.

Ninth flexible employees should pay medical insurance premiums on a quarterly basis, or they can pay them in one lump sum according to their actual year.

Tenth basic medical insurance premiums paid by flexible employees are included in the basic medical insurance fund management of urban workers in our city.

Chapter IV Basic Medical Insurance Benefits

Article 11 The criteria for flexible employees to enjoy the corresponding basic medical insurance benefits after paying the basic medical insurance premium continuously for 1 year are as follows: those who have paid the basic medical insurance premium continuously for 1 year for less than 2 years will enjoy 60% of the basic medical insurance benefits; Continuous payment for two years and less than three years, enjoy 80% of the basic medical insurance benefits; After three years of continuous payment, you will enjoy the corresponding basic medical insurance benefits according to the Interim Provisions on Basic Medical Insurance for Urban Workers in Kunming.

Twelfth flexible employees who choose to establish a pool fund instead of a personal account do not enjoy the outpatient medical treatment of "special chronic diseases" and "special diseases" in medical insurance. Chapter V Medical Overall Planning for Serious and Extraordinary Diseases

Thirteenth flexible employees to participate in the basic medical insurance must also participate in the medical co-ordination of serious diseases.

Fourteenth flexible employees to participate in the insurance payment ratio and enjoy the treatment of serious diseases in accordance with the "Interim Provisions" of medical security for urban workers in Kunming.

Fifteenth flexible employees who have paid the medical co-ordination fee for serious and serious diseases for one year in a row will enjoy the medical co-ordination treatment for serious and serious diseases. The standard is: those who have paid the fee continuously for more than 1 year and less than 2 years will enjoy 60% of the overall medical treatment for serious and serious diseases; Continuous payment for two years and less than three years, enjoy 80% of the overall medical treatment for serious diseases; After three years of continuous payment, you will enjoy the corresponding treatment of serious diseases according to the Interim Provisions on Serious Diseases of Urban Workers in Kunming.

There is a kind of people who have no fixed job, are unemployed or re-employed, and are flexible employees. In view of the old-age security of this group of people, the state has promulgated and implemented the old-age insurance policy for flexible employees. Flexible employment refers to a way of employment that is different from the traditional mainstream in working hours, income and remuneration, workplace, insurance and welfare, labor relations and so on. Flexible employees refer to those who achieve employment or re-employment in flexible and diverse forms such as part-time, temporary, seasonal and flexible work within the working age range (men are 60 years old and women are under 50 years old), including: self-employed employment, including self-employed and partnership; Self-employed, such as freelancers, lawyers, freelance writers, singers, models, intermediary service workers, etc. Temporary workers, such as domestic hourly workers, street vendors and other odd jobs. The following is the latest interpretation of the pension insurance policy for flexible employees in Kunming. Since the policy has not been updated, the interpretation of 20 15 will be temporarily continued on 20 16. If there is any change, please refer to the announcement of official website. Chapter VI Punishment Rules

Sixteenth flexible employees to participate in the basic medical insurance should be timely, full and continuous payment obligations, if the payment is interrupted, from the date of interruption, stop enjoying the medical insurance benefits paid by the overall fund.

Flexible employees who are insured and whose payment is interrupted within 60 days can renew their insurance. When they renew their insurance, they should pay the medical insurance premium during the interruption period, but the medical expenses incurred during the interruption period will not be paid. If you don't pay the medical insurance premium or stop paying for more than 60 days during the interruption period, you should go through the insurance formalities again, and the basic medical insurance premium paid before will not be returned to me.

Article 17. Flexible employees who have participated in medical insurance in their original units and are self-employed can go through the renewal procedures within 60 days from the date of dissolution or termination of labor relations with their units, and the original years of continuous participation in medical insurance can be counted as continuous payment years; If it is more than 60 days, you should re-apply for insurance procedures, and the years of participating in medical insurance in the past will no longer be counted as continuous payment years.

Eighteenth flexible employees to participate in the basic medical insurance, other acts in violation of the provisions of the basic medical insurance, according to the "Interim Provisions" of the basic medical insurance for urban workers in Kunming and other relevant provisions. Chapter VII Supplementary Provisions

Nineteenth other medical insurance management matters not covered by these Provisions shall be implemented in accordance with the Interim Provisions of Kunming Municipality on the Basic Medical Insurance for Urban Employees and its relevant provisions.

Article 20 The municipal labor and social security administrative department may, according to the economic and social development and the income and expenditure of the basic medical insurance fund, put forward adjustment opinions on the payment base, collection ratio and treatment standard of the flexible employment personnel pooling fund, which shall be approved by the provincial labor and social security administrative department and reported to the Municipal People's government for implementation.

Article 21 These Provisions shall be read from June 65438+1October 65438+1October 2004.

20 16 calculation method of enterprise retirement pension;

Enterprise retirement pension is mainly composed of basic pension, personal account pension, transitional pension and transitional adjustment fund:

The monthly standard of basic pension is 1, which is based on the average monthly salary of local employees in the previous year and my indexed monthly salary, and is paid to 1% every year.

The calculation formula is: basic pension = (average monthly salary of local employees in the previous year when the insured retires+average monthly payment salary of the insured) ÷2× payment period × 1%.

2. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months.

The calculation formula is: personal account pension = the accumulated amount of personal account when the insured retires ÷ months.

3. The monthly standard of transitional pension is based on my indexed monthly average payment salary, and the payment period before "unified account integration" is paid to 1 year.

The calculation formula is: transitional pension = my indexed monthly average payment salary × payment years before unified account × 1.2%.

4. The transitional adjustment fund is based on the current local standards, and retirees from 2006 to 20 15 will be paid in a certain proportion. After 20 15, the transitional adjustment fund will no longer be issued.

5. My indexed monthly average payment salary = the average monthly salary of employees in the whole province last year when the insured retires × my average payment salary index. My average wage index = (a 1/a1+a2+...+an-1/an-/an) ÷ n. In the formula: a1,a2. A 1, A2...An- 1, An is 1992, the average annual salary of employees in the whole province in the year before the insured retires (from 200 1, it is the average annual salary of employees in the whole province); N refers to the sum of the actual payment period and deemed payment period of the insured from 65438+65438 in 0992+ 1 year1month to the end of last year. Among them: 65438+ those who retire from June to June every year, An and AN- 1 both take the average annual salary of employees in the whole province in the previous year; Every year from July to 65438+February, the average annual salary of employees in the whole province in the previous year will be taken. For the basic old-age insurance premiums paid after July 1, 1, 996, 1 in 2008, the payment base is calculated according to the arrival time, which is used to calculate the annual payment wage index. Among them, if the basic old-age insurance premium of the previous year is paid and collected in the retirement year, the payment base before the end of the previous year and the payment base of the previous year are combined to calculate the wage index of the previous year. For 1992 1 the insured whose total actual payment period and deemed payment period are less than 4 years by the end of last year, the average payment wage index shall not exceed 1.0, that is, if the calculation result is greater than or equal to 1.0, the average payment wage index shall be determined as1.0; Less than 65438 0.0, according to the actual measurement.