The latest policy of inter-provincial transfer of endowment insurance

1. If the insured person returns to his domicile (province, autonomous region or municipality directly under the Central Government, the same below) for employment, the relevant social security agency at the domicile shall handle the transfer and connection procedures for him in time. 2, the insured did not return to the domicile of employment insurance, by the social security institutions in the new insurance for its timely transfer procedures. However, for men over 50 years of age and women over 40 years of age, the basic old-age insurance relationship should be maintained in the original insured place, and a temporary basic old-age insurance payment account should be established in the new insured place to record all the contributions of units and individuals. Thirdly, when the insured person is employed across provinces or reaches the conditions for receiving benefits in the newly insured place, all the payment principal and interest in the temporary basic old-age insurance payment account will be transferred to the original insured place or the place for receiving benefits.

Legal objectivity:

Endowment insurance is an important part of social security system and one of the five most important social insurances. The so-called endowment insurance (or endowment insurance system) is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age. On February 29, 2009, the news was released, and the General Office of the State Council issued a notice on February 28, forwarding the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance Relationship for Employees of Urban Enterprises issued by Ministry of Human Resources and Social Security and the Ministry of Finance, requiring the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government, and the ministries and commissions and institutions directly under the State Council to conscientiously implement it in light of the actual situation. The "Measures" were implemented from 20 10 to 1, aiming at effectively protecting the legitimate rights and interests of employees participating in the basic old-age insurance for urban enterprises, promoting the rational allocation and orderly flow of human resources, and ensuring the inter-provincial flow of insured personnel and the smooth transfer of the basic old-age insurance relationship when they are employed in cities and towns. These Measures shall apply to all persons who participate in the basic old-age insurance for employees of urban enterprises, including migrant workers. Those who have received basic old-age insurance benefits according to state regulations will no longer transfer the basic old-age insurance relationship. 65,438+02% units pay fees in different places, so there is no need to run around for transfer. China's basic old-age insurance system combines social pooling with individual accounts, and employers and individuals pay the same fees. In the past, the insured person transferred the pension insurance relationship across regions, only to the personal account, not to the unit to pay. Judging from the actual situation, the transfer-in place should bear the responsibility of issuing basic pensions for the transferred personnel in the future, and it will not be paid by the unit at all, so the financial pressure of long-term payment is even greater. Considering the balance of funds between the transfer-in place and the transfer-out place, and between the current period and the long term, the Measures stipulate that the insured person will transfer 12% of the unit payment in addition to transferring the employment personal account across provinces. At present, the unit rate in most areas is 20% of the wage base, and in a few areas it is less than 20%. In this way, most of the unit contributions are transferred to the transfer place with the inter-provincial mobile employment, which reduces the pressure of long-term capital payment in the future; A small part of the unit payment is reserved for the transfer place to ensure the current basic pension payment. It is time-consuming and laborious to let the floating insured travel to and from different regions to handle the transfer and connection procedures of the basic old-age insurance relationship. The "Measures" stipulate that when migrant workers leave the original insured place, the social security agency shall issue a unified style of insurance payment voucher; After the insurance payment in the new employment place, as long as the application for transfer and continuation is filed, all procedures will be handled by the relevant social security agencies in the two places. At the same time, Ministry of Human Resources and Social Security has also published the contact information of all social security agencies at or above the county level for relevant personnel to inquire about their insurance payment and transfer information. It is clearly stipulated that migrant workers do not need to "surrender" where they receive welfare. According to the principle of "uniqueness", the responsibilities of the relevant areas are determined in turn, that is, when the domicile of the insured person is the same as the last insured place, the treatment procedures will be handled at the domicile and the basic old-age insurance benefits will be enjoyed; Where the domicile is inconsistent with the last insured place, those who have been insured at the last insured place for 10 years will receive treatment at the last insured place; Those who have been insured for less than 10 years in the last insured place shall be pushed forward in turn to the insured places with 10 years to go through the formalities for receiving benefits; Those who have been insured for less than 10 years in various places shall go through the formalities for receiving benefits at the place where their household registration is located. This will help to eliminate the phenomenon that in the past, due to unclear responsibilities between regions, individual transfer and transfer often shirked each other. In short, every insured person who has paid more than 15 years can receive a basic pension in one place. A migrant worker in Jiangxi, who was employed in cities and towns in Fujian, Guangdong and Zhejiang, paid insurance premiums for five years each. At the age of receiving national legal treatment, because the accumulated payment period has reached 15 years, you can receive basic pension on a monthly basis. Since he has been insured in all three places for less than 10 years, Jiangxi Province, where his household registration is located, is responsible for issuing basic pensions, and the social security agencies in the three places should transfer corresponding funds to Jiangxi Province according to regulations. However, if he has transferred his household registration to Zhejiang, the last insured place, then the basic pension will be paid by Zhejiang Province, and the other two provinces will transfer the corresponding funds to Zhejiang Province according to regulations. Multi-site insurance, pension calculation of the national unified basic pension for urban enterprise employees, including 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. Calculation of basic pension, that is, according to the corresponding relationship between my annual contribution salary and the average salary of local employees in each year, calculate my indexed contribution salary, and then calculate the average value with the average salary of local employees in the previous year as the base for calculating basic pension; Pay 15% of the base when paying 1 5 years, and pay 1% when paying1year. The method adheres to this calculation method, but further clarifies 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. For migrant workers who do not return to the city for employment after returning home, the general principle stipulated in the Measures is that their insurance payment records and personal accounts in cities and towns are all valid; If the accumulated payment period is over 15 years or more, after reaching the national statutory retirement age, the basic pension can be calculated and paid like urban workers; Do not meet the prescribed conditions, you can also transfer the relevant rights and interests records and funds of urban insurance to the new rural social endowment insurance system; In short, it is to prevent their existing rights and interests from being damaged. However, in view of the fact that the new rural endowment insurance system has just begun to be piloted, the state will separately study and formulate specific policies for the convergence of urban and rural migrant workers' endowment insurance.