Zhengzhou endowment insurance individual payment 2023

In 2020, the minimum payment base of social security in Zhengzhou is 2745 yuan, and the maximum payment base is 13725 yuan. The payment ratio is:

1. Endowment insurance: the company pays 16% and the individual pays 8%;

2. Unemployment insurance: the company pays 0.7% and the individual pays 0.3%;

3. Work injury insurance: the company pays 0.35%, and the individual does not pay;

4. Medical insurance: the company pays 8% and the individual pays 2%;

5. Maternity insurance: the company pays 1%, and the individual does not pay.

Legal objectivity:

The endowment insurance for urban and rural residents in Zhengzhou has changed its rules. The payment grade is changed from 7 to 10, with a minimum of 100 and a maximum of 1500 a year. Recently, the Measures for the Basic Old-age Insurance for Urban and Rural Residents in Zhengzhou (hereinafter referred to as the new measures) appeared on the website of Zhengzhou Municipal Government and was officially implemented today, running 65438. According to the new method, urban and rural residents who have reached the age of 16 (excluding students at school), have Zhengzhou household registration, and have not participated in the basic old-age insurance for urban workers and the basic living security for landless farmers can participate in the old-age insurance for urban and rural residents. At the same time, residents whose registered permanent residence has moved to Zhengzhou can participate in insurance at any time as long as they meet the requirements. Compared with the pilot program, the scope of the new program has been expanded. Pay 10 grade. What people are most concerned about is how much insurance they have to pay. In fact, the biggest change this time is payment. You don't have to break your fingers to pay your pension in the future. You can choose the 10 level at will. Previously, residents' pension insurance contributions were divided into seven grades, which were 6%, 7.5%, 65, 438+00%, 20%, 30%, 50% and 85% of the annual payment base. It is very troublesome to calculate, and the payment base changes every year. The new method stipulates that the payment standard of urban and rural residents' old-age insurance is based on national policies and Zhengzhou's per capita urban 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 700 yuan, 900 yuan, 1000 yuan, 1200 yuan, 1500 yuan and 10 grade insured persons. Subsidy for normal payment and one-year subsidy in Zhengzhou City, 60 yuan Province. From now on, people who have reached the age of 60 can not pay the old-age insurance premium. Conditional, according to the above payment grades and standards, one-time payment of 15 years of old-age insurance premium; Those who have reached the age of 46 and are under the age of 60 shall pay the fees on an annual basis, and they are also allowed to pay back. The accumulated fee shall not exceed 15 years; At least 16 to 45 years of age, the annual payment, the cumulative payment is not less than 15. For normal payment, the government gives annual payment subsidies to 60 yuan (including provincial financial subsidies). There are three changes in the personal account management of endowment insurance: first, the income of personal account only comes from individual contributions and government financial subsidies; In addition to individual contributions and government financial subsidies, the new measures also stipulate that "collective subsidies and contributions of other economic organizations, social welfare organizations and individuals to the insured" can also be credited to individual accounts. Two, the change of the old method of personal account with reference to the basic old-age insurance for urban enterprise employees personal account bookkeeping interest rate; The new method refers to the one-year RMB deposit interest rate of financial institutions announced by the central bank every year. Change 3: When the insured surrenders, changes insurance or cannot be insured, the old method stipulates that the sum of principal and interest paid by the individual shall be returned to himself or the designated beneficiary or legal heir in one lump sum; The new method stipulates that government subsidies should be deducted before the refund. The old-age allowance is connected with the basic pension for urban and rural residents who are normally insured. From the date of implementation of the new measures, it will be implemented in accordance with the new payment standards and grades, and the payment period will be calculated cumulatively; Urban and rural residents who have reached the age of 60 and have received the basic pension according to the old method will be incorporated into the basic pension from now on. According to the new method, urban and rural residents who have reached the age of 16 (excluding students at school), have Zhengzhou household registration, and have not participated in the basic old-age insurance for urban workers and the basic living security for landless farmers can participate in the old-age insurance for urban and rural residents. At the same time, residents whose registered permanent residence has moved to Zhengzhou can participate in insurance at any time as long as they meet the requirements. Compared with the pilot program, the scope of the new program has been expanded. Pay 10 grade. What people are most concerned about is how much insurance they have to pay. In fact, the biggest change this time is payment. You don't have to break your fingers to pay your pension in the future. You can choose the 10 level at will. Previously, residents' pension insurance contributions were divided into seven grades, which were 6%, 7.5%, 65, 438+00%, 20%, 30%, 50% and 85% of the annual payment base. It is very troublesome to calculate, and the payment base changes every year. The new method stipulates that the payment standard of urban and rural residents' old-age insurance is based on national policies and Zhengzhou's per capita urban 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 700 yuan, 900 yuan, 1000 yuan, 1200 yuan, 1500 yuan and 10 grade insured persons. Subsidies are paid normally, and Zhengzhou provides subsidies for one year, 60 yuan. From now on, at the age of 60, you can not pay the old-age insurance premium. Conditional, according to the above payment grades and standards, one-time payment of 15 years of old-age insurance premium; Those who have reached the age of 46 and are under the age of 60 shall pay the fees on an annual basis, and they are also allowed to pay back. The accumulated fee shall not exceed 15 years; At least 16 to 45 years of age, the annual payment, the cumulative payment is not less than 15. For normal payment, the government gives annual payment subsidies to 60 yuan (including provincial financial subsidies). There are three changes in the personal account management of endowment insurance: first, the income of personal account only comes from individual contributions and government financial subsidies; In addition to individual contributions and government financial subsidies, the new measures also stipulate that "collective subsidies and contributions of other economic organizations, social welfare organizations and individuals to the insured" can also be credited to individual accounts. Two, the change of the old method of personal account with reference to the basic old-age insurance for urban enterprise employees personal account bookkeeping interest rate; The new method refers to the one-year RMB deposit interest rate of financial institutions announced by the central bank every year. Change 3: When the insured surrenders, changes insurance or cannot be insured, the old method stipulates that the sum of principal and interest paid by the individual shall be returned to himself or the designated beneficiary or legal heir in one lump sum; The new method stipulates that government subsidies should be deducted before the refund. The old-age allowance is connected with the basic pension for urban and rural residents who are normally insured. From the date of implementation of the new measures, it will be implemented in accordance with the new payment standards and grades, and the payment period will be calculated cumulatively; Urban and rural residents who have reached the age of 60 and have received the basic pension according to the old method will be incorporated into the basic pension from now on. Two, the change of the old method of personal account with reference to the basic old-age insurance for urban enterprise employees personal account bookkeeping interest rate; The new method refers to the one-year RMB deposit interest rate of financial institutions announced by the central bank every year. Change 3: When the insured surrenders, changes insurance or cannot be insured, the old method stipulates that the sum of principal and interest paid by the individual shall be returned to himself or the designated beneficiary or legal heir in one lump sum; The new method stipulates that government subsidies should be deducted before the refund. The old-age allowance is connected with the basic pension for urban and rural residents who are normally insured. From the date of implementation of the new measures, it will be implemented in accordance with the new payment standards and grades, and the payment period will be calculated cumulatively; Urban and rural residents who have reached the age of 60 and have received the basic pension according to the old method will be incorporated into the basic pension from now on.