You can choose different payment stalls according to your own economic situation (of course, if you pay more, you will have more pension when you retire), and you can retire directly at the employment agency when you are 60 years old. For details, please consult the local labor and social security bureau employment agency or pension insurance firm.
Extended data:
Social insurance refers to the non-profit social security system with income redistribution function that the state participates in to prevent and force most members of society.
Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons.
The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund.
It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.
2065438+Since February 2006, Guangdong, Tianjin, Yunnan, Gansu, Guizhou, Jiangsu, Shanghai and other places have reduced social security rates. On February 3, 20 16, the national social security fund regulations were adopted at the 22nd executive meeting of the State Council, and came into force on May 3, 20 16. 20 16 1 1 the State Council issued the Implementation Opinions on Stimulating the Vitality of Key Groups to Drive Urban and Rural Residents to Increase Income.
20 18, social security pensions began to be co-ordinated nationwide; 2065438+August 20, 2008, social security fees were collected by the tax authorities; 65438+February 10 completed the transfer and handover of social insurance premiums and the first batch of non-tax revenue collection and management responsibilities, and the tax authorities will uniformly collect all social insurance premiums and non-tax revenue transferred first from 20 19 65438+ 10/.
Endowment insurance is a social insurance system in which workers get certain economic compensation, material help and services from the government and society after reaching the legal retirement age.
State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, institutions and their employees who implement enterprise management must participate in the basic old-age insurance.
The contribution rate of new insured units (referring to various enterprises) is 10%, and the individual contribution rate is 8%. Individual industrial and commercial households and their employees, flexible employees and other personnel who are insured in the form of individuals have different rates according to the payment period.
Individual workers who participate in the basic old-age insurance, the payment base can be high or low within the prescribed scope, and more contributions will benefit more. To receive a monthly pension, employees must reach the statutory retirement age and have gone through retirement procedures;
Units and individuals have participated in the old-age insurance according to law and fulfilled the obligation to pay the old-age insurance; Personal payment must be at least 15 years.
At present, the legal retirement age of employees in Chinese enterprises is 60 for male employees, 55 for female cadres engaged in management and scientific research and 50 for female employees. Basic pension consists of basic pension and personal account pension. If the employee reaches the legal retirement age and the individual contribution has reached 15 years, the monthly standard of basic pension is 20% of the average monthly salary of employees in the province (autonomous region or municipality directly under the Central Government) or city (prefecture) in the previous year.
Personal account pension is paid by personal account fund, and the monthly payment standard is divided by 120 according to the amount stored in my account. After the individual account fund is used up, it will be paid by the social pooling fund.
References:
Baidu encyclopedia-social security