What does the social insurance co-ordination part mean?

Generally speaking, social insurance overall planning refers to the unified planning of the collection, management and use of social insurance funds within a certain range. At present, China's social insurance is a combination of social pooling part and individual part, and the social pooling part is mostly reflected in the average, which is aimed at actual needs.

First, what is the social insurance co-ordination part?

1. The social insurance co-ordination part refers to the large-scale unified collection, management and use of social insurance funds by social insurance agencies within the territorial scope. This system adopts the traditional basic endowment insurance fund raising model.

To put it simply, the personal part of the social security we pay goes into the personal account, and the part paid by the company generally goes into the overall account. The whole part can be understood in this way, that is, the social security money is concentrated in one account, and then everyone uses it reasonably within the rules of social security.

Social overall planning is shared by the state, units and individuals, the basic old-age insurance fund implements social mutual assistance, and the basic pension is calculated and distributed by structural calculation method, emphasizing the incentive factors and labor contribution differences of individual account pension.

The basic old-age insurance is enforced by the state, and its purpose is to protect the basic needs of retirees.

2. The characteristics of social overall planning: overall planning, giving orders at the front line, has become a good solution to the "five-odd" problem. Taking into account the instructions of superiors, the work at the same level and the needs of grassroots units, the phenomenon of work collision and resource waste is effectively prevented.

Carry out the activities of "learning, using and abiding by the law", constantly strengthen the awareness of laws and regulations of leading organs, improve their ability to handle affairs according to law, and effectively prevent the "five excesses" problem. A number of business work and temporary motions that were not handled according to procedures were stopped, which better reduced the fuss at the grassroots level.

Second, what do you mean by overall planning and individuals in social insurance?

1, the social security paid is divided into two parts: a small part is paid into the personal account, and most of it belongs to the overall fund.

The overall fund basically has nothing to do with itself. Generally speaking, it is the state that allocates part of the money to support the retired elderly and reimburse them for medical insurance.

The individual part is his own, and the pension personal account part affects the retirement salary.

In the future, the calculation and payment methods of pensions are basic pensions and personal account pensions.

The total amount in the personal pension account divided by the number of payment months is the monthly pension in the personal account plus the basic pension is the retirement salary. The basic pension is related to the social salary, payment period and payment base in the year of retirement.

Overall planning is relative to personal accounts.

2. Take the old-age insurance as an example to explain: if the company belongs to a public institution, it needs to pay 20% of the total wages of employees to enter the social old-age insurance pooling fund. Individuals deposit 8% of their monthly income into their personal accounts. If it is an individual merchant, it is necessary to pay 12% of the employee's salary into the social pension fund. Individuals deposit 8% of their monthly income into their personal accounts. Flexible employees pay 20% of the average monthly salary of the local society, of which 12% belongs to the overall planning and 8% belongs to individuals.

Post-retirement pension: paying annuity and pooling individual accounts/120. I only care about the amount of money in my personal account. On the whole, some of them don't have as much salary as before, but they are treated according to the average level of society and preserved.

Pension insurance payment ratio: 20% for the unit and 8% for the individual, with different proportions in different places. Proportion of medical insurance payment: unit 10%, individual 2%.

Payment ratio of unemployment insurance: unit 1.5% and individual 0.5%. Work injury rate and maternity insurance payment ratio of work injury insurance are determined according to the industry scope divided by unit: unit 0.8%, and individual does not pay.