20 17 What's the new policy for endowment insurance?

20 17 new employee pension insurance policy

1. How do individual industrial and commercial households and flexible employees participate in endowment insurance and pay endowment insurance premiums?

Answer: Urban individual industrial and commercial households and flexible employees who are not employed in enterprises and institutions can participate in the basic old-age insurance for urban workers in various personnel agencies as individuals. Han [2014] No.88 document stipulates that employers and employees of individual industrial and commercial households with employees pay the basic old-age insurance premium at 8% of their average monthly salary in the previous year, and the unit pays 20%. Individual industrial and commercial households and flexible employees receive basic pensions after reaching the prescribed age, and they are paid according to the basic pension plan for enterprise employees. According to the provisions of Renji Shefa [20 1 1] No.72, starting from 2011,individual industrial and commercial households and flexible employees can apply for 40% to 300% of the average salary of employees in non-private units in cities and towns in the province in the previous year according to their income. Therefore, when choosing the payment base, individuals should choose a higher payment base as far as possible according to their own affordability, so that they can receive a higher pension when they are old enough to receive a pension.

2.20 1 1 What conditions did the former employer and its employees need to meet to pay the old-age insurance premium during the uninsured interruption of payment?

Answer: (1) If the employer fails to participate in the insurance as a whole, it shall participate in the insurance for all employees from the date of registration and establishment of the unit. If it is necessary to pay the old-age insurance premium for employees during their work units, the starting and ending time of payment shall not be earlier than the starting time of individual payment for original employees of enterprises of different natures stipulated by our province (labor contract employees 1986 10; Original temporary worker 65438+March 0990; Original permanent worker 1993 1 month; June 5438 +2003 10).

(2) If the employer fails to apply for insurance for employees in time, resulting in the insured being unable to participate in the insurance, the employer or individual shall submit a written application for payment, and submit proof of labor relations with the insured during the application for payment, proof of salary income and other materials. After confirmation, the old-age insurance premium will be paid back in the unit period from the month when the enterprise and individual are required to pay together.

(3) If the payment is interrupted after the employee participates in the insurance payment, upon the application of the unit or himself, the starting time of the individual payment system can be implemented in accordance with the original employee status of enterprises with different properties stipulated by our province, and the endowment insurance premium during the unit period can be paid back. The original fixed employees of the original industry as a whole should pay the old-age insurance premium according to the starting time when the original industry began to implement the individual payment system.

3. How to determine the payment base and proportion when the payer interrupts repayment?

Answer: (1) The payment base and proportion during the period of reimbursement to the employer. 1989 Pay the old-age insurance premium before the end of the year, taking 1990 as the base. From 1990 to the establishment of personal account, the old-age insurance premium shall be paid according to the average salary of employees (on-the-job) in the province in the corresponding year. Pay the old-age insurance premium after establishing a personal account. To provide the original wage income of employees, it should be based on the actual wage income of employees, but not less than 60% and not more than 300% of the average wage of employees in the whole province in the previous year. If you can't provide the salary income of the current year, you can choose to pay back according to 100% or 60% of the average salary of employees in the province. Before 1995, the unit contribution ratio was 18%, and the individual contribution ratio was 3%; After 1996, it shall be paid according to the actual payment ratio of the current year.

(2) When reaching or exceeding the retirement age on June 30th, 2011year, the base and payment proportion shall be paid according to the payment method for flexible employees. 1993, 1 to 1995, calculated as 100% of the average wage of employees in the province in the corresponding year, or 100% or 60% of the average wage of employees in the province after 1996. The payment ratio is 20%.

4. How do employees pay the old-age insurance, late fees and interest?

Answer: (1) The payment base has been approved. When the arrears formed before June 30, 20 1 1 year are paid back, a late fee of 0.5‰ will be added daily from the date of arrears.

(2) If the unit fails to participate in the insurance as a whole, all employees fail to participate in the insurance or individual employees interrupt the payment, a late fee will be added for the part paid by the former unit at 20 1 1 (12% for flexible employees). Among them, the endowment insurance premium increased by 0.8‰ every day from 1986 10 to 1995 12, and increased by 0 ‰ every day from 1996 10 to 2000 12.

If the endowment insurance premium is paid before June 30th, 20 11July 1 1 to June 30th, 20 13, the late payment fee will be exempted. After the endowment insurance premium is paid 20 1 1 July 13 before June 30, a late payment fee of 0.5‰ will be added every day from July 2011day.

(3) If the unit fails to participate in the insurance as a whole, fails to participate in the insurance in full, or the individual employee interrupts the payment, interest will be charged for the individual payment. To repay the interest before the establishment of the personal account, it shall be calculated according to the average of 4.922% of the bookkeeping interest rate of accumulated deposits in personal accounts over the years published by 1996 to1+0/. After the individual account is established, it shall be calculated according to the bookkeeping interest rate of the accumulated storage amount of the individual account published over the years.

5. How can the insured units pay the endowment insurance premium in full and on time?

Answer: Article 86 of the Social Insurance Law of People's Republic of China (PRC) stipulates that if the employer fails to pay the social insurance premium in full and on time, the social insurance premium collection agency shall order it to pay it within a time limit or make up for it, and from the date of default, an overdue fine of 0.5 ‰ shall be added daily.

6. What are the benefits of the basic old-age insurance for urban workers?

A: According to the provisions of the Social Insurance Law, individuals who participate in the basic old-age insurance can receive the basic old-age pension on a monthly basis if they have paid 15 years at the statutory retirement age. If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral subsidies and survivors' pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. As the supporting implementation rules and relevant normative documents have not yet been issued, the disability allowance has not yet been implemented.

The latest policy of rural endowment insurance 20 17

The payment amount of rural endowment insurance ranges from 100 yuan to 4,000 yuan, with 13 grades.

1, choose the payment level 100 yuan, and subsidize 45 yuan each year;

2. Choose the payment grade 200 yuan, and subsidize 50 yuan per person every year;

3. Choose the payment grade 300 yuan, and subsidize 55 yuan per person every year;

4. Choose the payment grade 400 yuan, and subsidize 60 yuan per person every year;

5. Choose the payment grade 500 yuan, and subsidize 70 yuan per person every year;

6. Choose the payment grade 700 yuan, and subsidize 75 yuan per person every year;

7. Choose any one of the payment grades of 1000 yuan, 1500 yuan and 2000 yuan, and each person will subsidize 85 yuan every year;

8 choose 2500 yuan, 3000 yuan, 3500 yuan, 4000 yuan any one payment grade, annual subsidies to 90 yuan.

The rural endowment insurance fund consists of individual contributions, collective subsidies and government subsidies.

First, individual contributions

Those who participate in the old-age insurance for urban and rural residents shall pay the old-age insurance premium in accordance with the regulations. Payment standards are set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2,000 yuan and 3,000 yuan per year. Insured people choose their own payment grades and pay more.

Second, collective subsidies.

Conditional village collective economic organizations shall give subsidies to the insured, and the subsidy standard shall be determined by the villagers' committee holding a villagers' meeting. Encourage qualified communities to include collective subsidies in the scope of raising funds for community public welfare undertakings. Encourage other social and economic organizations, charitable organizations and individuals to provide financial support for the insured. Subsidies and subsidies shall not exceed the currently set maximum payment grade standard.

Third, government subsidies.

1, the government pays the basic pension of social endowment insurance for urban and rural residents in full to the insured who meet the conditions for receiving treatment. The central government gives full subsidy according to the established basic pension standard, which is currently 70 yuan per person per month.

2, the provincial, municipal and county people's governments shall give subsidies to the insured payment. The minimum payment subsidy per person per year is: 100 yuan, 30 yuan, 200 yuan, 35 yuan, 300 yuan, 40 yuan, 400 yuan, 50 yuan, 500 yuan and above 60 yuan.

3, for severe (two or more) disabled, one-child death or disability (three or more) after the childless couple (the woman is over 49 years old), birth control surgery complications (three or more) and other groups with difficulties in payment, the people's government at the county level should be combined with local conditions, within the scope of payment grade to determine the standard of their payment of old-age insurance premiums, and give subsidies according to their payment of old-age insurance premiums. Only-child parents who receive the Honor Certificate of Only-child Parents and rural dual-female parents who implement sterilization measures can pay insurance premiums, and the subsidy standards can be appropriately raised in various places.