July, 2009 1, 2065438, on some issues about Shanghai's comprehensive insurance to social security.

Insurance Bian Xiao helps you answer, and more questions can be answered online.

First of all, correct it: the new three risks are social insurance or what Shanghai calls urban insurance, because Shanghai's comprehensive insurance has been incorporated into urban insurance. In order to make a smooth transition, Shanghai's current policy is: if it is an urban hukou, it will participate in five insurances (pension, medical care, work injury, maternity and unemployment); If you are a non-urban hukou, you will participate in the three insurances, that is, the new three insurances (pension, medical care, work injury); If the insured unit does not propose to participate in the five insurances, it defaults to non-urban hukou to participate in the three insurances.

For those who participate in the three insurances, the payment base is subject to a five-year transition period, that is, 40% of the city's average salary in the first year and 45% in the second year. . . . Until five years later, 60% is consistent with the payment base of city insurance. So your personal income in the first year is 257.2 yuan, a little more in the second year, and the same in the fifth year;

Colleagues around me choose not to pay the city insurance, in fact, the company will take risks. If your colleague leaves, you can sue the company for it, and the company must pay, so the general company will choose to pay.

Commercial insurance is voluntary, social security is compulsory, the rate of return of commercial insurance is very low, and social security is guaranteed by the state, so there is no risk. For example, commercial insurance is paid 100 every month, and it will be paid back to you after retirement at 100 plus interest, while social security is recalculated according to the living index at retirement. Think about the current inflation and see a doctor in the future (if you have more children to support the elderly or earn millions of dollars a year, don't worry ~). . . . . .

The answer to the question:

1. Social insurance consists of a unit contribution part and an individual contribution part. From 20 1 1 in Shanghai, the individual payment part will enter the personal account, and the unit payment part will not enter the personal account; So the previous answer is wrong, that is, the part paid by the unit will not enter the personal account; (Before 20 10, 12 months ago, Shanghai stipulated that 8% paid by individuals plus 3% paid by the company, a total of 1 1% was deposited in personal accounts, and the part paid by individuals was deposited in personal accounts long ago in the country. )

2. According to the provisions of the National Document No.66, the social insurance relationship can be transferred. When transferring, the personal account will be transferred in full, and the unit will pay part of the transfer. The part paid by the unit is to balance the funds in different places, which has nothing to do with the future treatment of the individual. (Refer to the Notice of the General Office of the State Council on Forwarding the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Employees of Urban Enterprises in Ministry of Human Resources and Social Security (Guo Ban Fa [2009] No.66).

3. Endowment insurance benefits are composed of indexed wages (referring to local wages) plus personal accounts. Therefore, there will be no shortage of personal accounts after returning to Shaanxi, which should be the same as Shanghai. If your salary level in Shaanxi is lower than that in Shanghai after retirement, there will be fewer branches.

It is suggested that Shanghai's three insurances are a transitional method and a preferential method, which is very cost-effective, but can only be enjoyed for five years. Therefore, it is more cost-effective to participate in the three insurances.