What is the meaning of the personal account balance
What is the meaning of the personal account balance, our social security is divided into the integrated account and personal account, we pay a portion of the amount of which will be deposited into our personal account every month, the following I'll take you to understand what the personal account balance means.
What does the personal account balance mean1
1, the personal account balance in the social security card is the amount of social security deducted from the paycheck (including interest on deposits), the personal account balance indicates that the personal part.
2, the integrated account refers to the social integration, that is, the social insurance fund. The social security paid by the unit into the social co-ordination, not in the personal account. If you retire, this part is calculated together to send a pension. If you do not have a pension and surrendered, you can only take the amount of the individual part of the payment.
Social integration refers to the social insurance fund in a wide range of social insurance agencies in accordance with the law, unified collection, unified management, in the territorial scope of the unified transfer of the use of the system in the basic pension insurance fund using the traditional mode of raising basic pension insurance premiums. The social integration is borne by the state, the unit and the individual **** the same burden.
According to the state regulations, the social co-ordination fund, which is paid by the units included in the scope of basic pension insurance in accordance with the contribution base and the contribution ratio stipulated by the state, as well as the income obtained in other ways to form the source of the fund, including: the income of the social co-ordination fund paid by the units, the income of the financial subsidies, the interest income, and the other incomes.
3. What you see on the hospital invoice is the balance of the individual's health insurance, the money that the individual can use.
The basic medical insurance fund for urban workers consists of the basic medical insurance social coordinating fund and individual accounts. The basic medical insurance premiums are composed of the employer's and employee's individual accounts, and are paid by the employer and the individual employee **** the same. The company's business is to provide the best possible service to the public, and the company's business is to provide the best possible service to the public.
Part of the medical insurance premiums paid by the employer is used to establish a basic medical insurance fund, which is mainly used to pay for the hospitalization of insured employees and special chronic disease outpatient and rescue, first aid.
Individual account funds are mainly used to pay for the insured to purchase medicines at designated medical institutions and designated retail pharmacies in accordance with the provisions of the cost of the individual account funds are exhausted or insufficient part of the individual account by the insured person to pay in cash, the individual account can be carried forward for use and inheritance in accordance with the law. The insured employee hospitalized for illness first self-pay hospitalization threshold, and then into the integrated fund and the employee's personal **** payment section.
What is the meaning of the individual account balance2
Individual account balance = individual account storage amount, which is the cumulative amount of the 8% + bank interest that you have paid since the individual contribution said.
Individual account is a part of individual contribution and unit contribution.
The longer you contribute, the larger your contribution base and the larger your personal account balance.
Individual account balance role:
1, you reach retirement age, personal account pension = personal account storage amount / the number of months of issuance;
2, the participant, such as due to the settlement abroad, death, less than 15 years, etc. need to return to the personal account, it is the amount of money you return.
1, units and individuals pay . Pension insurance premiums, part of which goes into the overall, part of which is credited to the individual account.
Contributions credited to the individual account, as well as the interest rate generated by the interest rate published by the state for individual account bookkeeping, are credited to the individual account, called the balance of the individual account for pension insurance. At the time of retirement, the individual account balance divided by 120 months, or divided by the average number of months of remaining life, is the individual account portion of the monthly pension. This, together with the co-ordinated portion, the adjustments, and so on, constitutes the entire pension.
2, unit and individual contributions to the pension insurance premiums, part of the integrated, part of the individual account. Among them, the individual part of the contribution (8% of the salary or average social wage), as well as the unit contribution (unit of the total wage or average social wage ranging from 20% to 30%, depending on the local policy) in the 3 points (about 3% of the individual's salary), *** counting 11%, credited to the individual account. In some places, the size of the personal account credited to 8%, all for personal contributions.
3. Contributions credited to the individual account, as well as the interest rate generated by the interest rate published by the state individual account bookkeeping, are credited to the individual account. It is called the balance of the individual account of the pension insurance.
As the number of years of contributions grows, the individual account balance increases. At retirement, the individual account balance divided by 120 months, or divided by the average number of months of remaining life, is the individual account portion of the monthly pension. This, together with the co-ordinated portion, adjustments and so on, constitutes the total pension.
What is the meaning of the personal account balance3 What is the use of the money in the social security card 1, the money in the social security card (personal account) can be used to buy medicine in the pharmacy The basic medical insurance first class participants personal account accumulation amount exceeds the city's previous year in the average salary of employees If the amount accumulated in the personal account of a participant in the first tier of basic medical insurance exceeds 5% of the average salary of the employees on duty in the previous year in the city, the exceeding part can be used for the purchase of non-prescription medicines within the scope of the catalog of medical insurance medicines in the designated retail pharmacies. 2, to the community health center to see the doctor can brush the social security card in the personal account of the money Basic medical insurance first-class participants in the city designated community health center in the medical insurance drugs and part of the diagnosis and treatment of directory scope of the costs, 70% by their own personal account, 30% by the basic medical insurance major medical co-ordination fund, the local supplemental medical insurance fund to pay the required, but also to pay the costs of the medical insurance fund, the local medical insurance fund to pay the required. 30% of the expenses will be paid by the basic medical insurance fund for major diseases and the local supplementary medical insurance fund in accordance with the regulations, except for the costs of stomatological treatment, rehabilitation and physiotherapy, and the costs of large-scale medical equipment inspection and treatment. 3, social security card (personal account) in the money can be given to the family to use basic medical insurance personal account accumulated more than 5% of the city's average monthly salary of the previous year's on-the-job workers, the part of the excess can be used for the following expenses: I have been enrolled in the basic medical insurance of the spouses and immediate family members in the designated medical treatment. The way to use the "family channel" is to have the family members associated with the social security card, the authorized person's personal account must be zero or no personal account, and only swipe the authorized person's social security card to use the balance of the authorized person's social security card personal account during the medical treatment. How does the personal account family member linkage work? There are four ways: (1) Log on to the website of Shenzhen Social Insurance Fund Administration, enter the personal webpage of social insurance service and follow the prompts to link by yourself (the webpage needs to be registered first, and you can use it only after you have successfully registered); (2) Authorized person goes to the affiliated social security branch office or social security station to apply for linkage at the section of medical and maternity insurance by presenting the ID card of himself/herself, social security card, and social security cards of the family members; (3) Make the connection at the hospital's medical insurance office or social health center through the online hospital. (4) The association can also be made at self-service terminals at social security bureaus, social security stations, and street offices.