Shenyang flexible employment social security contribution standards in 2021

According to this calculation, in July, the total amount of social security contributions paid by flexibly employed persons, the lowest to pay 686.53 yuan / month, the highest to pay 955.25 yuan / month, respectively, more than in June to pay 137.03 yuan, 177.53 yuan.

The Provincial Department of Human Resources and Social Security and the Department of Finance recently jointly issued the "Notice on the Release of the Social Insurance Contribution Base for the First Half of 2021", which stipulates that "from January 1, 2021 to June 30, 2021, the upper limit of the basic pension insurance contribution salary of the province's employees will be temporarily implemented at 19,335 yuan, and the lower limit of the contribution salary will be temporarily implemented at 3,368 yuan. "

Clear: "From January 1, 2021 to June 30, 2021, individual industrial and commercial households and flexibly employed persons without employees voluntarily participate in the basic pension insurance for enterprise employees. The contribution wage base is divided into twelve grades, in order of 3368 yuan, 4000 yuan, 5000 yuan, 6000 yuan, 7000 yuan, 8000 yuan, 9000 yuan, 10,000 yuan, 12,000 yuan, 14,000 yuan, 16,000 yuan and 19,335 yuan."

1, urban workers' pension insurance contribution standards: the basic pension insurance premiums of enterprise workers are paid by the enterprise and the workers *** together, and the basic pension insurance premiums of individual participants are paid by themselves.

(a) Enterprises pay the basic pension insurance premiums, according to the total amount of all employees' paid wages as the contribution base, the contribution rate of 20%;

(b) Individual employees pay the basic pension insurance premiums, according to their own last month's wages as the contribution base, the contribution rate of 8%. The employee's own wages are determined according to the national statistics department of the items included in the total wage statistics.

The portion of the employee's monthly salary that exceeds 300% of the average monthly salary of the employees on duty in the previous year is not included in the contribution base. If the employee's monthly salary is less than 60% of the average monthly salary of the employed workers in the previous year, the contribution base shall be calculated according to 60%.

New rural social pension insurance contribution standard: because the new rural social pension insurance contributions to take the independent choice to pay, the government subsidies, the individual more pay more, the principle of payment standard handy query should contain the contribution grade, each grade of government or collective subsidies, the age of participation and other elements of the new rural insurance fund consists of individual contributions, the collective subsidies, government subsidies.

In terms of individual contributions, rural residents participating in the new rural insurance should be required to pay pension insurance premiums. Contribution standards are currently set at 100 yuan per year, 200 yuan, 300 yuan, 400 yuan, 500-1200 yuan 12 grades, the localities can be based on the actual situation of additional contribution grade. Participants independently choose the level of contributions, more contributions, more benefits.

The state adjusts the contribution scale in due course according to the growth of per capita net income of rural residents. Fill in according to national standards, the details in accordance with the provisions of the counties and municipalities in the collective subsidies, the conditions of the village should be subsidized by the collective contributions of participants, subsidy standards by the Villagers Committee to convene a meeting of the villagers to determine the democratic villagers. Encourage other economic organizations, social welfare organizations, individuals to provide financial support for the participants' contributions.

2, social security for two ways:

(-) personal name to pay the need to go to the social security bureau where the account application, the procedures include: my ID card, recent crownless one-inch photographs to prepare two, premiums, the application can be. And can only apply for pension, medical insurance two kinds.

How much to pay is based on the local social wage last year to calculate, and each year is not the same. For example, if the average wage in A is 20,000 yuan, then the amount of pension insurance is 20,000*20%=4,000/year, and medical insurance is 20,000*10%=2,000/year.

There are also provisions for the minimum and maximum levels, the minimum level of contribution shall not be less than 60% of the average monthly salary of the average employee, the maximum level of 300% of the average monthly salary of the employee. Generally, the lowest grade is the majority.

In addition, the minimum contribution period for pension insurance is 180 months or 15 years, and medical insurance needs to be paid for at least 25/30 years, so that you can apply for pension benefits and medical reimbursement when you reach retirement age (as long as the renewal of the usual contributions is also possible).

(ii) or in the capacity of the unit way to pay on behalf of the purchase of social security. In addition, if we talk about social security, it is best to pay the way through the unit is a little better, because the unit will bear a large part of the cost for us, which in turn reduces the pressure of their own payment.

Expanded information;

The insurance contract of personal pension insurance bears the following insurance responsibilities to the insured: the insured person in the pension period, can get 10 years of fixed annuities, if the insured person in the period of fixed annuities, his beneficiary (not designated beneficiary, can be by his legal heirs) can continue to receive up to 10 years, the insurance responsibility will end;

If the insured person in the period of fixed annuities, can get 10 years of fixed annuities, the insurance responsibility will end;

If the insured person is still alive after receiving the fixed annuity for 10 years, he/she can continue to receive the pension until his/her death, and the insurance liability will be terminated; if the insured person dies during the premium payment period, he/she can receive the death benefit according to the regulations, and the insurance liability will be terminated.

Personal pension insurance premiums can be paid monthly, quarterly or annually, or in a lump sum at the time of enrollment, with a monthly premium of not less than 20 yuan and an annual premium of not less than 200 yuan for each insured person.

The age at which the pension can be received is 50, 55, 60 and 65, and the insured can choose the one that he/she thinks is the most suitable. After 2 years of premium delivery, the insured can apply for a loan from the insurance company with the documents if he/she is in urgent need.

The borrowing amount shall not exceed 70% of the cash value of the insurance policy and the borrowing period shall not exceed 7 months. The principal and interest of the loan will be returned together when the loan is due. If the principal and interest of the loan reaches the surrender amount after the loan is overdue, the insurance effect will be terminated.

Personal pension insurance plays an indispensable role in the establishment and improvement of China's multi-level and multi-form social pension security system.

Scope of acceptance

Social Security Bureau: Unemployed workers of urban enterprises (including those that have gone bankrupt, dissolved or closed down) who have not participated in the basic pension insurance; Individual industrial and commercial households with a hukou of the city (including rural hukou) and employees; Individual transportation owners with a hukou of the city (including rural hukou) and an Operation Certificate and their employees;

Employees who terminate their labor (employment) relationship with institutions; Non-full-time workers who have not participated in the basic pension insurance. Employees who have terminated the labor (employment) relationship with the institutions; part-time workers; all kinds of flexibly employed persons with urban hukou in the city; underinsured persons of the insured units which have been bankrupt, dissolved or closed down; and demobilized and discharged military personnel who have not been resettled.

Payment

(1) Enterprises and individuals pay the standard of pension insurance premiums:

The average monthly salary of the previous year is taken as the basis for the payment of wages, and 20% is paid by enterprises and 8% by individuals.

Contribution base: (the actual average monthly salary of the previous year)

If the average monthly salary of the insured person is lower than the minimum wage of the employees in the city in the previous year, the basic pension insurance premiums shall be paid on the basis of the monthly minimum wage of the employees in the city in the previous year.

The part of the insured person's average monthly salary that is more than 300% of the average monthly salary of the employees in the city in the previous year shall not pay the basic pension insurance premiums and shall not be used as the basis for the calculation of the basic pension.

If the insured person is unable to determine his/her average monthly salary of the previous year, he/she shall pay the basic pension insurance premiums based on the average monthly salary of the municipal employees of the previous year. (New recruits and unemployed re-employed persons shall take the salary of the first month they work in the enterprise as the base for the year's contribution and pay the pension insurance premiums according to the stipulated ratio; the base for the second year's contribution shall be determined according to the average monthly salary of the actual salary of the previous year)

Personal account

The combination of the social coordination and personal account is carried out. The employee himself pays 8% of the contribution base for pension insurance premiums, and the enterprise transfers 3% of his contribution base to the individual account, and ***11% is credited to the individual account. However, from January 2006, the state stipulates that enterprises will no longer transfer 3% to the personal account, and the personal account is entirely for the personal contribution part.

Participating in the pension insurance employees, personal account savings only for employees' personal pension, personal account savings shall not be withdrawn in advance. Individual account balance personal contribution part and its interest can be inherited. The rest is merged into the pension insurance fund;

Conditions

(1) Retirees who have reached the retirement age specified by the state

(2) Those who are engaged in underground, high-altitude, high-temperature, particularly heavy physical labor or other work harmful to their health,

Men who have reached 55 years of age, and women who have reached 45 years of age;

(3) Men who have reached 50 years of age, women who have reached 45 years of age, and who have reached 45 years of age, and who have reached 45 years of age, and who have reached 50 years of age, and who have reached 50 years of age, and who have reached 45 years of age. women have reached the age of 45, and have been recognized by the Labor Appraisal Committee of the city, district or county as having a total loss of

ability to work.

(4) For those who joined the workforce before the implementation of the Provisions, the number of years of contributions (including deemed contributions) has reached 10 years or more;

For those who joined the workforce after the implementation of the Provisions, the number of years of contributions (including deemed contributions) has reached 15 years or more

Local policy

According to the Beijing Municipal People's Government, those who have contributed for a total of 15 years are eligible to receive a basic pension on a monthly basis. You will receive a basic pension on a monthly basis after retirement.

If a person's contribution period is less than 15 years (except for those who have changed their jobs from agriculture to labor), he/she will not be entitled to receive a monthly basic pension after retirement, and his/her personal account reserve will be paid to him/her in one lump sum, and a one-time pension compensation will be given at the same time.

Basic pension=basic pension (20% of the average monthly salary of the workers in the city of Beijing of the previous year) + personal account pension (1/120% of the account reserve). 1/120).

Promoting economic development

Countries have designed pension insurance systems that link equity with efficiency, especially the partial accumulation and full accumulation pension funding models. The amount of pension that a worker receives after retirement is directly related to his/her wage income and contribution during his/her working life, which undoubtedly creates a kind of incentive for workers to work actively during their working life and improve efficiency.

In addition, due to the wide range of pension insurance, the number of participants, its operation can raise a large amount of pension insurance, can provide a huge source of capital for the capital market, especially the implementation of the fund system of pension insurance model,

The accumulation of funds in the individual account is calculated in decades, so that the scale of the pension insurance fund is larger, and to provide more funds for the market through the operation and utilization of the scale of the funds, in favor of the market. operation and utilization of the scale of funds, which is conducive to the state's macro-control of the national economy.

Significance

Guarantee of reproduction

Through the establishment of the system of pension insurance, it is conducive to the normal intergenerational turnover of the labor force, the retirement of the elderly in old age, and the smooth employment of the new growth of the labor force, to ensure the rationalization of the employment structure.

Social security

Old-age insurance provides basic livelihood security for the elderly, so that the elderly have a sense of security in old age. With the advent of population aging, the proportion of the elderly population is getting larger and larger in number, old-age insurance protects the basic life of the elderly workers, which is equal to protecting the basic life of a considerable part of the population of the society.

For employed workers, participating in pension insurance means that they have expectations for their future life after old age and are relieved of worries, which is conducive to social stability in terms of social mentality, more stability and less impatience.