What should I do if the social security personal account balance is wrong?

People who pay social security can receive a certain amount of pension every month when they have no financial resources after retirement, and the money will be transferred to the pension account. Someone checked his pension account and found that the balance was wrong. So, what if the pension account balance is wrong?

What should I do if the pension account balance is wrong?

First, you can take the pension approval form issued by the social security unemployment management center and go to the management center where the unit is located for consultation.

Second, you can bring your ID card, social security card and other related information to the social security agency of the insured place for inquiry, and the social security agency will make changes.

Composition of pension account balance

Part of the old-age insurance premiums paid by units and individuals enter the overall planning, and part of them are included in personal accounts. Among them, three points (about 3% of personal salary), namely, individual contribution (8% of salary or average social salary) and unit contribution (ranging from 20% to 30% of total salary or average social salary, depending on local policies), total 1 1%, are included in personal account. In some places, the proportion of personal accounts is 8%, all of which are paid by individuals.

The payment included in the personal account, as well as the interest generated by the bookkeeping interest rate of the personal account announced by the state, are included in the personal account. It is called the personal account balance of endowment insurance.

With the increase of payment period, the balance of personal account keeps increasing. When retiring, the personal account balance divided by 120 months, or divided by the average remaining months, is the personal account part of the monthly pension. Together with the overall planning part, adjustment fund, etc. It constitutes all the pensions.

The personal account balance of endowment insurance can be inherited.

20 15 65438+ 10/4 The Chinese government website published the "Decision of the State Council on the Reform of the Pension Insurance System for Staff in Government Institutions". The plan is clear. Institutions and institutions implement the basic old-age insurance system combining social pooling with individual accounts, and reform the method of calculating and distributing retirement fees. If the insured dies, the balance of the personal account can be inherited according to law.

The "Decision" clarifies that the basic old-age insurance premium is shared by the unit and the individual. The proportion of the unit paying the basic old-age insurance premium is 20% of the total salary of the unit, and the proportion of the individual paying the basic old-age insurance premium is 8% of the salary paid by himself, which is withheld and remitted by the unit. Establish a personal account for basic old-age insurance according to the amount of 8% of my salary, all of which are formed by individual contributions. The part where the individual salary exceeds 300% of the average salary of local employees in the previous year is not included in the base of individual contribution salary; If it is lower than 60% of the average salary of local employees in the previous year, the base of individual payment salary shall be calculated according to 60% of the average salary of local employees.

Personal account storage is only used for employee pension, and it is not allowed to withdraw in advance. Interest is calculated every year according to the bookkeeping rate uniformly announced by the state, and interest tax is exempted. If the insured dies, the balance of the personal account can be inherited according to law.

According to the monthly table of personal account pension in the Decision, the monthly payment of personal account of endowment insurance in China is 1.39 months, which means that the money in personal account is paid out in 1.39 months. According to the calculation of retirement at the age of 60, employees will not receive their own money until they are 20 years old. If they die before that, the balance in their personal accounts can be inherited.

If there is a dispute over receiving a pension, you need to seek the help of a professional lawyer. Many lawyers in the world will get professional advice.