The new social security policy in April this year

Legal analysis: 1. The policy of reducing unemployment insurance and industrial injury insurance rates in stages will be extended to April 30, 2022.

The phased relief of three social security premiums, namely, pension, unemployment and work-related injury, is a temporary support policy issued by Ministry of Human Resources and Social Security in 2020 in conjunction with relevant departments to deal with the impact of the COVID-19 epidemic. The policy has expired at the end of 2020, and the three social insurance premiums have resumed normal collection according to regulations since 202 1 1. However, considering that the epidemic risk still exists, some enterprises may be under greater pressure. After the policy of reducing unemployment insurance and industrial injury insurance rates by stages expires at the end of April this year, it will be extended from 1 year to April 30, 2022.

2.202 1 Before the end of the year, China will realize cross-provincial services such as social security card application, social security function activation, replacement and temporary loss reporting.

Key information such as social security number and name of social security card has been read all over the country. At present, through the national social insurance service platform, the inter-provincial transfer of enterprise employee pension insurance can be handled online; Retirees living in different places can complete the qualification certification of social security benefits by brushing their faces.

In the next step, Ministry of Human Resources and Social Security will further open the online application and replacement of social security cards, and gradually provide services such as qualification certification for treatment in different places, application for residence in different places, settlement of medical treatment in different places, and open the personnel files of migrant workers to be forwarded to the "Multi-site Liaison Office".

By then, everyone can apply for and replace social security cards in different places through the national unified online service portal, without going back to the issuing place.

3.202 1, the new one-time work death subsidy standard is determined.

According to the Regulations on Work-related Injury Insurance, if an employee dies at work, his close relatives shall receive funeral subsidies, pension for dependent relatives and one-time work-related death subsidies from the work-related injury insurance fund in accordance with regulations. Among them, the standard of one-time work death subsidy is 20 times of the per capita disposable income of urban residents in the previous year.

According to the latest data released by the National Bureau of Statistics, the per capita disposable income of urban residents in China will be 43,834 yuan in 2020. Therefore, 202 1, the standard of one-time work death subsidy is adjusted to: 43,834 yuan × 20 = 876,680 yuan.

15 provincial direct settlement pilot for new general outpatient expenses (excluding chronic and special outpatient diseases).

The new pilot provinces are Shanxi, Inner Mongolia, Liaoning, Jilin, Heilongjiang, Fujian, Jiangxi, Shandong, Hubei, Guangxi, Hainan, Shaanxi, Qinghai, Ningxia and Xinjiang. So far, 27 provinces across the country have carried out trial operation of direct settlement of outpatient expenses across provinces.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts.

The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premium should be paid by the government during the payment period.

When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Fifteenth basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.