What documents do enterprise employees need to pay endowment insurance?

The basic pension for employees of urban enterprises in China includes basic pension and personal account pension. Among them, the personal account pension is calculated by dividing the accumulated savings in my personal account by a certain coefficient, which is the same for migrant workers and workers with stable employment. As long as you pay more and have more savings in your personal account, this part of the pension level will be high. For the calculation of basic pension, the Decision of the State Council on Perfecting the Basic Old-age Insurance System for Enterprise Employees in 2005 stipulates that the payment wage index shall be calculated based on my last year's payment wage and the average wage of local employees in each year, and then the indexed payment wage shall be calculated, and then the average value shall be calculated based on the average wage of local employees in the previous year as the base for the calculation of basic pension; Pay 15% of the base when paying 1 5 years, and pay 1% when paying1year. The "Interim Measures" adhere to this calculation method, but further clarify that the annual payment wages of migrant workers in each insured place are calculated according to the average wages of employees in each year corresponding to the final treatment. This not only ensures the unification of national policies, but also is a relatively simple method.

Individuals can't pay social security, they can only help you pay it at work.

In fact, it can be made up, and the impact is not great. Minimum years of social security 15 years, pay more and give more.

If it is insured in the name of an individual, if it is missed, it will be impossible to return it. Only the missed payment caused by the unit can be repaid, and the five insurances can be repaid. If the unit does not declare (does not open an account), it can only pay the pension.

If the payer (excluding individuals and freelancers) fails to pay the employee's old-age insurance premium, he should bring the following materials to the social security agency to pay the basic old-age insurance premium: 1, employee file and old-age insurance manual; 2. Application Form for Paying Basic Endowment Insurance; 3, labor contract, salary payment schedule, etc. ; 4. Other relevant materials. In order to make up for the loss of employee's personal account amount caused by the enterprise's late payment of employee's old-age insurance premium, the overdue old-age insurance premium shall be implemented in accordance with DocumentNo.. 19997. The calculation method is as follows: payment amount = average social wage of the previous year at the time of payment (%of the salary base of the payable year) × payment ratio * payment coefficient, in which: the payment ratio is implemented according to the current enterprise payment ratio, that is, 28%, 20% for enterprises and 8% for individuals. The starting point of the repayment coefficient is 1. 1, and the coefficient increases by 0. 1 every year before the repayment year, and is calculated year by year.

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