New policy on enterprise workers' pension insurance introduced
In 2009, the city's enterprise workers and individual businessmen and other basic pension insurance contribution base unification
The reporter learned from the Municipal Bureau of Labor and Social Security, the municipal government has recently introduced a new policy on the further improvement of our city's basic pension insurance system for enterprise workers: in 2009, the city's unified basic pension insurance for enterprise workers. The use of the previous year's average salary of on-the-job workers, the unification of individual business households and flexible employment personnel pension insurance contribution base, while adjusting the size of the basic pension insurance personal account, and gradually make the basic pension insurance personal account.
The municipal labor security bureau concerned that the new enterprise workers pension insurance policy, not only to solve the historical problems, but also clear the direction of future reforms and measures, marking the city's basic enterprise pension insurance work is about to enter a new historical stage.
The main elements of the new policy are, unify the city's basic pension insurance for enterprise employees to use the previous year's average salary of on-the-job workers. In order to further improve the basic pension insurance municipal integration, from January 1, 2007 onwards, will be Jimo, Jiaonan, Jiaozhou, Pingdu, Laixi five cities of enterprise basic pension insurance contributions and pension use of the average salary of on-the-job workers in the previous year, and gradually transitioned to a unified Qingdao City, the average salary of on-the-job workers in the previous year. That is to say, the five cities used the previous year's average wage of on-the-job workers, in 2007 by the Qingdao city's average wage of on-the-job workers in the previous year 80%, in 2008 by the Qingdao city's average wage of on-the-job workers in the previous year 90%, in 2009, the city unified the use of Qingdao city's average wage of on-the-job workers in the previous year. During the transition period, the local average wage of the previous year's employees on the job is higher than the above standard, can still be based on the local average wage of the previous year's employees on the job.
Unifying the pension insurance contribution base for flexible employees of individual industrial and commercial households. In order to smoothly realize the unification of the pension insurance contribution base for urban individual industrial and commercial households and flexibly employed persons, from January 1, 2007, the pension insurance contribution base for urban individual industrial and commercial households and flexibly employed persons will be gradually transitioned to the unification of Qingdao city according to the average salary of the on-job workers in the previous year. That is to say, the urban individual business households and flexible employment personnel pension insurance contribution base, in 2007, the minimum for the previous year in Qingdao City, the average wage of employees on the job 80%, up to 100%; in 2008, the minimum for the previous year in Qingdao City, 90% of the average wage of employees on the job, up to 100%; in 2009, the uniformity of Qingdao City, the average wage of employees on the job in the previous year as the contribution base.
Adjusting the size of the basic pension insurance personal account, gradually making the basic pension insurance personal account. From January 1, 2006, the city's enterprise basic pension insurance personal account size from 11% adjusted to 8%. Among them, non-city migrant workers who apply for individual payment of basic pension insurance premiums according to 5%, the size of their pension insurance individual account was adjusted from 8% to 5%. Pension insurance individual account is formed entirely by individual contributions, and unit contributions are no longer transferred to the individual account. Make the pilot work of the individual account of pension insurance, in accordance with the provincial government to implement the unified deployment.
Actively and steadily promote enterprise annuity. Adhere to the principle of state support, enterprise voluntary, market operation, government supervision, and encourage enterprises in a position to establish enterprise annuity for employees. All relevant departments should regulate the management of enterprise annuities and fund investment and operation in accordance with the Trial Measures for Enterprise Annuities and the Trial Measures for Enterprise Annuity Fund Management. For enterprises that have originally established enterprise supplementary pension insurance, starting from January 2007, they shall stop paying supplementary pension insurance premiums, and may declare to establish enterprise pension if they are in a position to do so. Enterprises have paid supplementary pension insurance premiums, in accordance with the relevant provisions of the state and province, transferred to the enterprise annuity fund management qualification of professional organizations to manage and operate.
In order to ensure the implementation of the new policy, the city requires that all types of enterprises and their employees, private non-enterprise units and their employees, urban individual business households and employees and flexibly employed persons, are required by law to sign a labor contract and participate in the basic pension insurance for enterprise employees according to the regulations. All units and individuals participating in basic pension insurance for enterprise employees must pay their basic pension insurance contributions in full and on time. Anyone who refuses to pay, conceals or underpays basic pension insurance premiums must be dealt with in accordance with the law. For unpaid basic pension insurance premiums, various measures should be taken to increase the recovery efforts to ensure that the basic pension insurance fund should be collected as much as possible.
It is reported that in the next step, the city will focus on the participation of non-public enterprises, urban individual businessmen and flexible employment personnel, to further expand the scope of basic pension insurance coverage, and safeguard the legitimate rights and interests of workers.
Workers social pension insurance rules?
1, the minimum contribution period is 15 years, the contribution base changes once a year, depending on the local per capita income level.
2. How much pension you can receive after retirement depends on the length of your contribution period, as well as the level of the insurance base and whether you have had any interruptions.
If you have any questions about this, you can refer to the following website:
The Ministry of Labor and Social Security of the People's Republic of China (MOLSS) website
The "five insurance policies and one pension" refers to five types of insurance, including pension insurance, medical insurance, unemployment insurance, work-related injuries insurance and maternity insurance. The "one gold" refers to the housing fund. The insurance pension insurance, medical insurance and unemployment, these three kinds of insurance is by the enterprise and the individual *** with the premiums paid, work injury insurance and maternity insurance is completely by the enterprise. Individuals do not need to pay. It is important to note that "five insurance" is legal, and "a gold" is not legal. What are the contribution ratios for the "five insurance and one pension"? At present, the contribution rate of pension insurance in Beijing is 20% for the unit (of which 17% is allocated to the general fund and 3% to the individual account) and 8% for the individual (all allocated to the individual account); the contribution rate of medical insurance is 10% for the unit and 2% + 3 yuan for the individual; the contribution rate of unemployment insurance is 1.5% for the unit and 0.5% for the individual; the rate of work injury insurance is determined according to the scope of the unit being classified as an industry; the contribution rate of maternity insurance is 0.5% for the unit and 0.1% for the individual; and the contribution rate of maternity insurance is 0.1% for the unit and 0.1% for the individual. Maternity insurance: 0.8% for the unit, no contribution for the individual. Contribution ratio of provident fund: according to the actual situation of the enterprise, choose the contribution ratio of housing provident fund. However, in principle, the maximum contribution shall not exceed 10% of 300% of the average salary of Beijing employees. (Co-ordinated fund i.e.: State co-ordination is needed in the process of gradual transformation of the pension insurance system from a state-unit system to a state-society system to solve the problems of unbalanced economic development and aging population. (1) the establishment of a social co-ordinated fund based on contributions from enterprises; (2) the establishment of individual accounts based on contributions from employees and enterprises; and (3) the government bearing the administrative costs of the pension insurance fund. This semi-fund system combining social coordination and individual accounts is conducive to coping with the crisis of China's aging population, gradually dispersing the cost of transition from the old to the new system, and gradually realizing the transformation from an enterprise-based pension insurance system to an individual-based pension insurance system). The amount of contribution for the four insurance and one pension varies from region to region, and the base is based on the gross salary. Some enterprises have a basic salary with some related subsidies at the time of payment, but some enterprises only pay the basic salary at the time of payment, which is against the law. The specific percentage should be consulted with the local labor department. With regard to the pension insurance, unemployment insurance and medical insurance drawdown, it is permitted by law to receive, by the establishment of the insurance registration department to issue, for example, "pension insurance, to meet the legal which Gui bog bog lying on the top of the Yu?б when the O Chengn Jin's receipt is also subject to conditions, such as you go to the hukou location of the street office to apply for a certificate of unemployment, and at the same time did the job-seeking certificate, that is, after you are unemployed you must also have a certificate of unemployment. This means that you must have the will to look for a job after you become unemployed, and only under such conditions can you receive it. If you don't want to work after being unemployed, then you can't be paid the insurance benefit. Also, you cannot receive pension and unemployment benefits at the same time. -Are you entitled to insurance during the probationary period? You should be insured during the probationary period because the probationary period is an integral part of the contract period, and it is not isolated from the contract period. Therefore, you should be insured during the probationary period. In addition, it is a legal obligation for enterprises to insure their employees, which does not depend on the intention or voluntariness of the parties concerned, even if the employees indicate that they don't need to pay the insurance, and the commercial insurance can't replace the social insurance. If an employee has paid pension insurance for more than 15 years and has reached the legal retirement age, he/she can enjoy the pension insurance treatment: 1. He/she will receive the basic pension according to the regulations on a monthly basis until his/her death. The formula for calculating the basic pension is as follows: Basic Pension = Basic Pension + Individual Account Pension + Transitional Pension = Average Monthly Wage of the City Employees in the Year Before Retirement × 20% (15% for those who have paid contributions for less than 15 years) + Principal and Interest of Individual Account ÷ 120 + Indexed Average Monthly Contributed Wage × Years of Contributions before the end of 1997 × 1.4%. 2. Death Benefits. (1) Funeral expenses (2) One-time pension (3) Living hardship allowance for immediate family members eligible for support, paid monthly until the death of the immediate family member who supported them. Note: Pension insurance should be paid continuously as far as possible. According to the relevant documents, where an enterprise or an insured person pays basic pension insurance premiums intermittently (except for unemployed persons during the period when they receive unemployment insurance premiums or those who do not pay premiums according to the relevant regulations), and the insured person meets the old-age pension conditions stipulated by the State, when calculating the basic pension, the base of calculation of his/her basic pension shall be extrapolated year by year according to the cumulative intermittent time of payment of premiums to the average number of employees of the city in the previous year of the corresponding year. (The accumulated interrupted contribution time is calculated as one interrupted contribution year for every 12 months, and is not calculated for less than 12 months.) For example, if you retire in 2020, your basic pension will be the 2019 average social wage × 20%, but if you have interrupted your pension insurance for 30 months before you retire, that is, interrupted for 2.5 years, calculated for 2 years, your basic pension will be the average social wage × 20%, but if you have interrupted your pension insurance for 30 months before you retire, that is, interrupted for 2.5 years, calculated for 2 years, you will be the average social wage × 20%. years, according to 2 years, your basic pension is the average social salary in 2017 × 20% medical insurance enjoyment 1, outpatient and emergency medical expenses in the year of the active employee (January 1 - December 31) in line with the scope of the basic medical insurance provisions of the medical expenses accumulated more than 2,000 yuan or more part; 2, the settlement ratio: dispatched personnel during the contract period of more than 2,000 yuan part of the reimbursement of 50%, the Individuals pay 50% out-of-pocket; the maximum amount of outpatient and emergency reimbursement paid to the dispatched personnel cumulatively in a year is 20,000 yuan. 3. The insured personnel should keep the outpatient medical receipts of the outpatient medical treatment in the designated hospitals (including receipts of the part below the large amount, the bottom of the prescription, etc.) as the vouchers of reimbursement of the medical expenses. 4. Outpatient medical treatment of the three kinds of special illnesses: the participants suffering from malignant tumor radiation treatment and chemotherapy, renal dialysis, For outpatient medical treatment after kidney transplantation, the second and third level designated hospitals where the insured person seeks medical treatment will issue a "Diagnostic Certificate of Disease" and fill in the "Beijing Municipal Health Insurance Special Disease Declaration and Approval Form", and report it to the District Health Insurance Center for approval and filing. The outpatient medical treatment and medicine collection for these three special diseases are limited to the approved designated hospitals, and cannot be purchased at designated retail pharmacies. If the medical fees incurred are in line with the scope of outpatient special diseases, they will be settled with reference to hospitalization; 5. Inpatient medical care ● Hospitalization deposit: When a participant who meets the conditions for hospitalization is hospitalized in the income hospital, the hospital will charge the participant a partial deposit, the amount of which will be determined by the hospital on a pro rata basis according to the condition of the patient. If the unit of the dispatched personnel and the insured personnel fail to pay the medical insurance premiums in full and on time, the hospitalization deposit will be fully advanced by the dispatched personnel; ● Settlement cycle: every 90 days of inpatient treatment for the insured personnel is a settlement cycle: if it is not more than 90 days, each hospitalization is a settlement cycle; ● Outpatient radiation therapy and chemotherapy for patients with malignant tumors, renal dialysis, antirejection drugs after kidney transplantation, and patients suffering from mental illnesses that need to be hospitalized year-round. Medical expenses incurred by patients with malignant tumors who are hospitalized all year round shall be subject to a settlement cycle of every 360 days; ● Medical expenses incurred by insured persons treated in the home hospital beds of designated community health service centers (stations) shall be subject to a settlement cycle of every 90 days; ● At the end of the discharge of an insured person from the hospital or the end of a phase of treatment, the dispatched person shall settle with the hospital the expenses that should be borne by the dispatched person and paid by him/her personally, and the expenses that should be borne by the basic medical insurance fund and the large amount of medical mutual aid funds. Medical expenses that should be paid by the basic medical insurance fund and the large amount of medical mutual aid funds shall be declared by the hospital to the medical insurance center for examination and settlement; ● For the settlement of the medical expenses of the insured person's hospitalization and treatment that are in line with the scope of the basic medical insurance regulations, the basic medical insurance fund is set up to pay the starting line and the payment ceiling; ● The starting line is 1,300 yuan for the first hospitalization, and 650 yuan for the subsequent hospitalizations, and the payment ceiling is 50,000 yuan; the payment ceiling that is exceeded is 50,000 yuan. The maximum payment limit is 50,000 yuan; above the maximum payment limit (excluding the portion below the threshold and the part borne by the dispatched personnel), 70% of the large medical expenses are paid by the mutual aid fund, and the dispatched personnel bears 30% of the expenses individually. The maximum payment is 100,000 yuan in one year. The settlement standard for hospitalization expenses is calculated by sections and paid cumulatively according to the level of the hospital and the amount of expenses in a settlement cycle. (When the percentage is adjusted, it will be implemented according to the new standard.) Note: The medical insurance is exempted from liability for traffic accidents not caused by work! Unemployment insurance to enjoy the treatment of unemployment insurance for more than one year of continuous payment, after the file returned to the street. You can enjoy the unemployment insurance treatment in the street. 1. Unemployment insurance benefits: refers to the unemployment insurance agency in accordance with the provisions of the basic living expenses paid to eligible unemployed, it is the most important unemployment insurance treatment. Unemployment insurance treatment is implemented in accordance with the relevant documents of Beijing Municipality; 2. Medical benefits during the period of receiving unemployment insurance benefits: it refers to the benefits paid to the unemployed for medical expenses incurred during the period of receiving unemployment insurance benefits. It is implemented in accordance with the relevant policies and regulations of Beijing Municipality; 3. Funeral benefits for unemployed persons who die while receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members are implemented in accordance with the relevant regulations. Worker's compensation insurance treatment in the contract period in the unfortunate accident, you need to obtain a statement of the situation from the enterprise, and stamped with the official seal of the enterprise, as soon as possible (preferably within three working days) to apply for recognition of work-related injuries and the need to provide the following materials: 1, the initial treatment of the diagnosis or hospitalization medical records; 2, diagnosis of occupational disease certificate (the original, a copy of each); 3, traffic accidents need to provide the traffic brigade's accident verdict or the traffic department's certificate of traffic accidents; 4, a copy of the identity card Traffic accident certificate; 4, a copy of ID card; 5, the validity of the original labor contract maternity insurance entitlement can be reimbursed for maternity-related expenses reimbursement includes, maternity allowance, maternity medical expenses, family planning surgery medical expenses, and other maternity-related expenses as stipulated by the state and the city. Maternity allowance is calculated by dividing the contribution base of the month in which the female worker gives birth by 30 and multiplying it by the number of days of maternity leave. The maternity allowance is the female worker's salary during her maternity leave, and if the maternity allowance is lower than her own salary standard, the difference shall be made up by the enterprise. Maternity medical expenses include medical examination fees, delivery fees, surgical fees, hospitalization fees and medicine fees incurred by a female worker as a result of pregnancy or childbirth. Medical expenses for family planning surgery include medical expenses incurred by employees for family planning. Now the requirements, health insurance to pay enough 20 years, the pension to pay enough 15 years to be eligible for pension and enjoy the retirement of health insurance reimbursement and then there is a little bit on the Internet can not find out things first of all, if you go to work in a non-household location, such as the original hukou in Beijing and go to Shenzhen to work regardless of whether the hukou is transferred to go to Shenzhen in case of the future will not be in Shenzhen to work in Shenzhen, then in Shenzhen to pay for the five insurance fund can be transferred out of the very problematic because now The national five insurance and one gold this thing is not networked only in Beijing city networked that is to say if you were working in a unit in Beijing a few years after jumping to another unit in Beijing to work so that the five insurance and one gold is not a problem, but from other provinces and cities to jump if the transfer will be very troublesome to transfer can be transferred is still a problem on the aforementioned five insurance in the three insurance is the enterprise and the individual * * * the same payment means this is like this, such as for the Pension insurance, for example, your salary is 2000, then you personally have to pay 8% unit to pay 15% (the above data are assumptions), these money are deposited into your account until you meet the time you can enjoy the pension insurance can only be withdrawn (see the previous specific conditions) and then take into account the contents of the above paragraph in case if you can not transfer, then your money will be in vain and can not be taken out of the enterprise and the individual **** the same contribution to the account of the enterprise and the individual **** the same contribution to the pension insurance, for example. All companies and individuals **** the same part of the contribution is like this housing provident fund is also like this according to the salary multiplied by the proportion of say you have to pay 500 per month the unit to pay you 1,000 if you jumped job and the money can not be transferred then you pay 500 per month for nothing can not be withdrawn - because you do not qualify to enjoy the housing fund, you can only withdraw it when you buy a house, you can not withdraw it until you buy a house. Only to buy a house can be taken out then someone may ask that if I do not intend to start working in the city to develop a lifetime in order to prevent the future transfer out of the five insurance premiums can I not pay? The answer is not at least three insurance that part of the state mandatory must be on the so more helpless in addition to the base on the five insurance and one gold is to take which part of your salary multiplied by that percentage of the problem is this way first of all, look at the composition of the salary basic salary + benefits + bonuses many enterprises are only according to the basic salary on the five insurance and one gold, because if according to the three parts of the calculation, then you personally on some more but unit Give you more (enterprises and individuals *** with the payment of five insurance and gold are individuals pay a small head unit to pay a large head) so many enterprises in order to save money for their own base is to be able to less is less in addition to the welfare part of a great deal of catnip this everyone will be in the future when signing the contract must be asked! As I said before, the housing fund is also the enterprise and personal **** with the payment, but the enterprise to you to pay that part of the sooner or later is also your (as long as you buy a house in the future, then can be a one-time take out) for example, you pay 500 per month in accordance with the proportion of the unit may be given to you to paste 1000 although you buy a house before the 1,500 is not to take out, but theoretically that 1,000 is also given to you, then some enterprises will be count the 1000 as a benefit for you actually should not be counted ！！！！ Because that 1000 is false is you do not buy a house in the time will not be able to take out so we should ask clearly in the signing of this welfare in the housing fund is not included careful ah careful!
Currently, pension insurance is divided into social pension insurance and commercial pension insurance. The social pension insurance is upstairs everyone introduced, very detailed, not to repeat. The following is a comparison of the commercial pension insurance. Compared with the social security, commercial pension insurance has the following characteristics: 1, the amount of coverage is not affected by the social wage and the relevant base. You can plan to receive 10,000 per month after retirement, or 800 per month after retirement, and you can buy as much as you want without any control; 2. The pension is guaranteed to be received. Social security in the receiving period of the insured person died, can only get a small part of the money, most of the money are returned to the co-ordination to help others, that is to say, the longer you live, the more you receive, the opposite of the commercial pension insurance, plan to retire after 20 years, even if the receiving period of the death of the remaining pension by the children continue to receive the full, do not belong to any co-ordination; 3, more flexible way to receive. You can choose to receive a one-time, annual, monthly and other ways to receive, there is more room for maneuver; 4, high premiums. Social security premiums are partly paid by the unit and the government, and the number of individual contributions is relatively small, while all premiums for commercial insurance are paid by the individual, and the government or the unit does not provide subsidies, so the cost is higher. It is recommended to improve the social security first, and if you have enough money, use commercial insurance as a supplement to the social security, so that you can give a more comprehensive protection for the future of retirement planning.
Extended reading: insurance how to buy, which is good, hand to teach you to avoid these insurance "pit"