Can individuals get employee pension insurance?

Of course. The basic old-age insurance for urban workers can be insured in the form of units or individuals (flexible employees and self-employed).

According to Article 10 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Extended data:

Individual contributions of employee pension insurance

(1) payment base and proportion

From June 5438+1 October1in 2006, the scale of personal account was adjusted from 165438+ 0% of my paid salary to 8%, all of which were formed by individual contributions, and the unit contributions were no longer included in personal accounts. Among them, the payment wage is also called the payment wage base, which is generally the average monthly wage of employees in the previous year (where conditions permit, the salary income of employees in the previous month can also be used as the personal payment wage base).

The average monthly salary is calculated according to the items listed in the statistics of total wages stipulated by the National Bureau of Statistics, including wages, bonuses, allowances, subsidies and other income, excluding social insurance premiums, labor protection fees, welfare fees, one-time compensation paid by employers and employees when they terminate their labor relations, family planning fees and other expenses that do not belong to wages.

(2) Calculation of accumulated amount of personal account.

Monthly storage amount = my monthly payment salary *8%

If my average monthly salary is lower than 60% of the average monthly salary of local employees, 60% of the average monthly salary of local employees will be used as the payment base. If my average monthly salary is higher than 300% of the average monthly salary of local employees, 300% of the average monthly salary of local employees will be used as the payment base.

References:

Baidu encyclopedia-basic endowment insurance for employees

Baidu Encyclopedia-People's Republic of China (PRC) Social Insurance Law