Minimum payment standard of endowment insurance for urban and rural residents

The payment standard is set at 100 yuan per year, which is divided into five grades in 200 yuan, 300 yuan, 400 yuan and 500 yuan.

According to the document issued by Ministry of Human Resources and Social Security [2022] No.36, it is decided that the minimum standard of basic pension for urban and rural residents in China will be raised from 93 yuan per person per month to 98 yuan from July 1 day, 2022, and all localities are required to improve the standard of basic pension according to local conditions, and do a good job in improving the standard of basic pension to ensure that the improved pension is paid in full and on time.

In other words, at this stage, the basic pension standards for urban and rural residents in various provinces are mainly based on provincial overall planning, supplemented by national overall planning, and each province can appropriately raise the basic pension standards according to the local economic development level and financial payment ability.

This has also caused the phenomenon that the basic pension of urban and rural residents' old-age insurance is not unified in 3 1 area of China.

According to public information, China Economic Weekly recently released the national basic pension standard for urban and rural residents in 3 1 region in 2022, which integrated the data of human resources and social security departments in various provinces, among which the top three regions were Shanghai 1.300 yuan, Beijing 887 yuan and Tianjin 307 yuan respectively.

The last three regions are Yunnan 103 yuan, Hunan 105 yuan and Sichuan 105 yuan respectively.

The difference between the social security paid by myself and the social security paid by the company is as follows:

1, the types of insurance to be paid are different.

Enterprise social security: the insurance paid by enterprises for employees includes five risks: endowment insurance, unemployment insurance, medical insurance, work injury insurance and maternity insurance. The payment of enterprise social security is mandatory, and the law stipulates that employers and workers must participate in social insurance and pay social insurance premiums according to law.

Personal social security: There are only three kinds of social insurance paid by individuals: endowment insurance, medical insurance and maternity insurance. According to the regulations, flexible employees voluntarily participate in basic medical insurance and basic medical insurance in their own names, and are not included in the scope of those who participate in unemployment, work injury and maternity insurance.

2. The payment ratio is different.

Enterprise social security: pension, medical care and unemployment insurance are paid by individuals and enterprises respectively, and general enterprises account for a relatively large proportion. At present, pension insurance companies pay 20% and individuals pay 8%; Enterprises pay two-eighths of unemployment insurance, and individuals pay one percent; Enterprises pay 8% of medical insurance, and individuals pay 2%; Industrial injury insurance and maternity insurance do not need to be paid by individuals, but are all paid by enterprises.

Personal social security: paying social insurance premiums in an individual capacity requires personal commitment.

3. There are differences in retirement benefits.

Retirement time: First of all, there are differences in the retirement age of female insured persons: female cadres in the unit are 55 years old and female employees are 50 years old; Everyone is 55 years old. The age at which the male insured retires to receive a pension is 60, regardless of the unit or individual.

Insurance: enterprise social security has three insurance benefits: unemployment, work injury and maternity; Personal social security does not have these three insurance benefits.

Medical expenses: the medical insurance card of enterprise social security has a certain amount of medical expenses every month; Personal social security has no medical expenses.

4. Endowment insurance is different.

Enterprise social security: individuals who participate in the basic old-age insurance will receive the basic old-age insurance monthly when they reach the statutory retirement age and have paid 15 years. If the accumulated payment is less than fifteen years when reaching the statutory retirement age, the payment can be made for fifteen years, and then the basic pension can be received monthly. If an individual who participates in the basic old-age insurance dies due to illness or non-work, his will can receive funeral subsidies and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance.

Personal social security: the social security paid by individuals is an old-age insurance system covering non-employees with urban household registration. Most cities pay an annual fee, and voluntary insurance is not compulsory. In addition, in addition to individual contributions, the government will also subsidize individual social security. The more individual contributions, the more government subsidies, and all individual contributions and government subsidies are included in the insured's personal account.

Minimum standard of endowment insurance for urban residents: the payment standard is currently set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan and 2000 yuan per year.

Legal basis:

Article 60 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.