Heilongjiang social security payment base

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1, the old-age insurance payment can only choose 60% or 100% of the provincial social wage as the payment base, and individuals pay 20% of the payment base monthly.

Last year, the average social wage in Heilongjiang was 24,376 yuan, the monthly social wage was 20,365,438 yuan +0.33 yuan, and the individual pension insurance payment was 20,365,438 yuan +0.33 * 20% = 406.27 yuan/month (according to grade 100%), that is, 20,365,438 yuan+0.33 *.

2. The payment base of medical insurance is 100% of local social wages (medical insurance has not achieved overall planning in the whole province).

Taking Harbin as an example, the proportion of individual contributions to medical insurance is 9.5%, 6.5%, 5% and 2.5%.

Last year, the social wage was 2438.42 yuan/month. If 9.5% is paid, the monthly payment is 2438.42*9.5%+5 (large medical assistance) =236.65 yuan.

If there is a work unit, the social security shall be paid by the unit:

1. Endowment insurance: 8% for individuals and 22% for units. The payment base is my average monthly salary in the previous year. If the average monthly salary is lower than 60% of the social level of the previous year, 60% of the social level of the previous year is the base of payment; If the average monthly salary is higher than 300% of the social level of the previous year, 300% of the social level of the previous year is the payment base.

2. Medical insurance: individuals pay 2%, units pay 7.5%, and individuals and units with large medical assistance each pay 2.5 yuan. The payment base is my average monthly salary in the previous year. If the average monthly salary is lower than 100%(2438.42 yuan) of the previous year's social level, the payment base shall be 100% of the previous year's social level.

Is the money paid every year a personal account?

Certainly not, because social security is managed as a whole, only 8% paid by individuals is included in personal accounts, and the rest is included in the pension fund as a whole.

Is it okay to stop paying halfway?

Yes, you can not pay the old-age insurance only during the period of receiving unemployment insurance. If the rest of the time stops, it needs to be handed in later and continuously.

The minimum payment period of old-age insurance is 15 years, and payment must be made after 15 years.

Those who pay the old-age insurance completely in their personal capacity can only pay 15 years, and no longer pay.

Medical insurance needs to be paid for 25 years (female) and 30 years (male), and the actual payment period of the insured individual is not less than 15 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the renewal premium is normal).

The current retirement age is 60 for men and 55 for women. Of course, under special circumstances such as engaging in high-risk work and losing the ability to work, you can apply for early retirement and receive pension benefits.

How can I get a refund if I surrender my insurance or die?

In this case, the heir can apply for withdrawal from his personal account. Generally, it ranges from tens of thousands of yuan to hundreds of yuan, depending on the time period and grade of payment (the funds in the individual pension insurance account).

From this year to the end of 2005, Harbin will establish a social security system independent of enterprises and institutions, with diversified sources of funds, standardized security system and socialized management and services. This is what the reporter learned at the mobilization meeting of the pilot work of improving the urban social security system in Harbin held on the 22nd.

The proportion of individual contributions is lowered to 8%, and the part of enterprise contributions is no longer included in individual accounts.

Enterprises pay basic old-age insurance premiums according to law, and the proportion of payment is generally about 20% of the total wages of enterprises. At present, more than 20% can be temporarily maintained. The enterprise payment part is no longer included in the personal account, and all of it is included in the social pooling fund. Employees pay the basic old-age insurance premium according to law, and the payment ratio is 8% of the salary they pay, all of which are included in personal accounts. The scale of personal account is adjusted from 1 1% of my contribution salary to 8%, and the method of gradual realization and incremental accumulation is adopted. Starting from June 5438+1 October1,2004, the personal account will be established at the rate of 5%, and the required funds will be subsidized by the central government by 3.75 percentage points and the local government by 1.25 percentage points. Personal account storage can only be used for the pension of the insured, and it is not allowed to be withdrawn in advance.

Social pooling funds and individual account funds are managed separately. Social pooling funds cannot occupy real personal account funds. Personal accounts with real funds shall be turned over to provincial social insurance agencies for unified management.

Self-employed freelancers pay 20% of the average salary of local employees.

All kinds of urban enterprises and their employees, private non-enterprise units and their employees, urban individual industrial and commercial households owners and their employees, freelancers and flexible employees shall participate in the basic old-age insurance according to law and fulfill the obligation to pay the basic old-age insurance premium. Starting this year, the payment base of individual industrial and commercial households, freelancers and flexible employees will be raised from 60% to 300% of the average salary of local employees, and the payment ratio will be 20%, of which 8% will be included in personal accounts.

Reform the method of calculating and distributing basic pensions.

Basic pension consists of basic pension and personal account pension. If the insured reaches the legal retirement age and the payment period (including deemed payment period, the same below) has accumulated to 15 years, the monthly standard of basic pension will be based on the average monthly salary of local employees in the previous year and my indexed monthly salary, and the payment will be paid to 1% every1year. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months calculated. If the cumulative payment period (including deemed payment period) is less than 15 years, the basic pension will not be paid, and the amount stored in the personal account will be paid to me in one lump sum, and the indexed monthly average payment salary will be paid to me for every deemed payment period 1 year, and the basic old-age insurance relationship will be terminated.

Those who worked before the establishment of the basic old-age insurance system will be given a transitional pension on the basis of the basic pension and personal account pension after retirement, and the transitional coefficient will be adjusted to 1.2%.

Urban collective enterprises that are unable to pay are no longer included in the overall planning scope.

Urban collective enterprises that did not participate in the overall planning of basic old-age insurance and were identified by the local government as having no production and operation ability and unable to pay the basic old-age insurance premium will no longer be included in the overall planning of old-age insurance, and their retirees themselves will be paid monthly living expenses by the civil affairs department according to the minimum living guarantee standard for urban residents where the enterprise is located; Workers who have not reached retirement age and are willing to participate in the insurance can participate in the basic old-age insurance according to the relevant provisions of the basic old-age insurance for individual workers, and pay the basic old-age insurance premium according to the regulations. When social pooling is combined with individual accounts, the basic old-age insurance premium will be paid locally.