New regulations on social security payment in 2022

Since 2022, China has promulgated a new policy, and social security can be repaid this year. At present, the conditions and materials needed for social security payment have been determined. If there are people around me who meet my requirements, then we must seize this opportunity to pay back the money, which will play an extremely important role in future retirement. The new rules of social security payment in 2022 are as follows: Individuals who participate in the basic old-age insurance will receive the basic pension on a monthly basis if they have paid for fifteen years when they reach the legal retirement age. Individuals who participate in the basic old-age insurance can pay less than fifteen years when they reach the statutory retirement age. This is closely related to China's social security system. China's social security requires payment for more than 15 years, and retirement can enjoy old-age insurance. The more people pay, the higher the amount of insurance they naturally enjoy. At the same time, because most people in China did not pay attention to social security in the past, there are some problems that need to be solved at present. At present, some retirees in China have reached retirement age, but their social security payment has not met the prescribed conditions and does not meet the actual requirements. In addition, an important principle of China's social security system is the principle of "pay more, get more". But certain conditions need to be met,

First, the age is generally 50, 55 or 60 years old;

Second, social security has been paid, but the cumulative payment period of social security is less than 15 years;

Third, I have the willingness to pay social insurance premiums in one lump sum; Fourth, other conditions stipulated by laws and regulations. Those who meet the requirements can go to the local social security department for social security payment.

With the introduction of the new social security payment policy in 2022, many people's social security payment has been affected to some extent. In view of the new social security payment policy in 2022, we have compiled this article. Let's take a look at this article and learn about the new changes in social security contributions.

1.What are the provisions of the new social security payment policy in 2022?

1, paid annually.

If you reach retirement age, you can only receive social security benefits in a few years (generally three years, local regulations may be different, subject to local policies), and you can pay it back every year, so you can receive social insurance benefits after retirement. However, while paying the annual insurance premium, a certain late fee must be paid.

2. Delayed retirement

Those who reach the legal retirement age in China, but the social insurance payment is less than 15 years, can apply for a five-year delay in retirement, so that they can continue to pay social insurance while working.

3, into the social security of residents.

If there is still a period of time before the social security payment of 15, we can consider changing employee social insurance into resident social insurance to save the annual payment cost, and some places can also pay it in one lump sum. 、

But on the one hand, it is very troublesome to apply for social security for residents; On the other hand, residents' social security benefits will also be lower than those of employees.

4. Stop paying social security and take out the money.

If the social security has not been paid for 15 years, but you don't want to pay it, you can apply for surrender. So you don't have to continue to pay social insurance premiums, and the money you paid before will be refunded to you. However, one consequence of this practice is that you will not enjoy the benefits of medical insurance and pension after retirement.

Second, social security can be paid for several months.

Under normal circumstances, we can pay social security for 24 months, which means we can pay social security once in two years.

But it should be noted here that this time refers to the time period that we push back two years from the current time, not the cumulative month.

In other words, we can pay back the social security within two years, and then find them for the unpaid expenses.

In addition, it should be noted that if the employer repays us, it is relatively simple to repay this fee within three months, and it can be operated directly. However, if it was three months ago, a series of proof materials are needed. You can also ask the local social security bureau for details.

Third, how to pay social security in one lump sum?

The cancellation of one-time payment requires one-time payment of social security that meets the following conditions:

1 employees of state-owned enterprises and institutions who retired before, 2011;

2. 196 1 to 1982 educated youth who go to the countryside;

3. Retirees who have reached the age of 65 for men and 60 for women have paid social security locally before 20 1 1.

Persons registered in this Municipality who meet the conditions of one-time supplementary insurance shall apply for supplementary insurance to the district or county social insurance agency where the household registration is located.

Legal analysis:

The state issued the new policy of paying back the old-age insurance on 20 18, which clearly stipulated that the units and personnel who did not participate in the basic old-age insurance of enterprises and the enterprises and personnel who interrupted the payment should pay back the old-age insurance premium, which provided a policy basis for all kinds of personnel to pay back the old-age insurance premium during the previous interruption and continue the old-age insurance relationship. After the uninsured units and personnel pay individual contributions, the payment base is not approved and the uninsured personnel are not insured; Units that fail to register with social insurance agencies and fail to pay endowment insurance premiums are uninsured units. After the implementation of the individual payment system, the payment base has been approved and paid, and then due to various reasons, the payment base is no longer declared and the payment is no longer made. This is the interruption of the payment enterprises and personnel. Units that are required by the state and province to participate in the old-age insurance for enterprise employees shall, in accordance with the provisions of the state and province, participate in the basic old-age insurance for all personnel who have established labor relations with the unit (including permanent workers under the age of 60 and female employees under the age of 55, employees under the labor contract system and former temporary workers after the implementation of the temporary worker payment system). If some employees fail to pay the basic old-age insurance premium due to the employer's reasons, the employer may submit a written application for overdue payment to the labor and social security department, and submit proof of labor relationship with the insured during the application for overdue payment, as well as proof of wage income. After confirmation, enterprises and individual employees should pay the basic old-age insurance premium according to the regulations. The uninsured units as a whole include all kinds of enterprises and employees who have not been insured within the administrative area of our province. All uninsured units and employees pay back. After the unit pays the full amount, the retirees who bear the old-age insurance expenses from the original unit will be included in the overall scope of the basic old-age insurance from the next month after all the overdue funds are received, and will participate in the adjustment of the basic old-age insurance from the next year.

Legal basis:

Article 27 of the Social Insurance Law: Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations if their accumulated contributions reach the fixed number of years stipulated by the state when they reach the statutory retirement age; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state. Article 60 of the Social Insurance Law, the employing unit shall declare itself and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. 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.