Social security, which we often say, is actually the abbreviation of social insurance. Social insurance, as one of the important social security systems in China, is a process in which the insured pays a certain premium in accordance with the provisions of the Social Security Law, reaches the stipulated payment period and enjoys social security benefits according to law. Social insurance includes basic old-age insurance for urban workers, basic medical reimbursement, maternity insurance, industrial injury insurance and maternity insurance. Among them, the word "basic" was added before the old-age insurance and medical insurance. The so-called "basic" is the most basic and basic guarantee. This "basic" is pension and medical security. So pension is also called "basic pension". Why is it a "basic pension"? Because the pension level is not high, it can only guarantee the basic living expenses and maintain the basic old-age security, so the pension does not levy personal income tax and does not belong to wage income, but is a basic living security fund, which is tax-free. In fact, the basic medical insurance only provides basic medical insurance. The main scope of protection is to provide basic medical expenses for hospitalization due to major diseases, not complete medical expenses. Therefore, it is necessary to set a standard of deductible line in order to prevent minor illnesses from wasting limited medical resources.
The basic pension in social security means that we pay the basic old-age insurance according to the provisions of the Social Security Law, and the payment period of the old-age insurance reaches the minimum payment period 15 years, reaching the legal retirement age, that is, men reach 60 years old, female employees reach 50 years old, and female cadres and flexible employees reach 55 years old. After going through the retirement formalities, you can receive the basic pension on a monthly basis. The basic pension is based on the payment period, payment base, personal account, average social wage of local workers and average life expectancy of urban population. , and according to the basic pension and personal account pension calculation, we get the monthly pension income. Because this income does not belong to salary, but the basic old-age security we get after participating in the old-age insurance system, it is not called salary, but called pension. Because the pension is the basic monetary expenditure needed to guarantee the basic life, there is no need to pay taxes, because this is the most basic guarantee. To receive the basic pension, two conditions must be met: reaching the statutory retirement age and reaching the pension insurance contribution of 15.
According to the above analysis, the basic pension is the right we should enjoy after paying the basic old-age insurance according to law. The basic pension is just like our salary when we are on the job. The social security department sends it to retirees' bank cards on a monthly basis. How to use it, whether to put it in the bank or withdraw cash, is completely at the discretion of retirees. But before we retire or reach the legal retirement age, the basic old-age insurance we pay cannot be withdrawn at will. If you go abroad to settle down or die during the payment period of endowment insurance, the part of the endowment insurance paid by us in your personal account can be withdrawn at one time, and the part paid by the unit cannot be withdrawn; If, after payment, the pension insurance payment period is less than 15 years because it has not reached the statutory retirement age, or if you have paid the pension insurance for several years and later regret that you don't want to continue to pay it, you can also surrender it, but only when you reach the statutory retirement age can you handle it. The refunded fee is only the principal and interest income of the individual account, and the unit payment part cannot be refunded, which belongs to the payment of flexible employees and can only be handled.
Providing for the aged is a realistic problem. As long as you don't leave too early, you will eventually go through this stage of your life. But for young people, life has just begun, and living in the present is the most concerned issue, and they will not consider the future in 20-30 years. In a previous article, I made a rough calculation. Under the current economic environment, if there is no pension, at least100-10.5 million yuan should be prepared to live the most basic pension life. With the increase of social wages and CPI, the demand preparation will also increase. For example, if you enter the middle-aged army in 1990, even if it grows at a rate of 3% 30 years later, it will grow to 20.
Pension is a very important livelihood issue, which is related to social stability. We don't plan it ourselves, but our parents can't let it go, so we will attach great importance to it. Pension formulation is actually a pension plan that parents help each of us to make in advance and pay it in full and on time, so that the living standard of the elderly will have the most basic guarantee.
Pension consists of three parts: government allocation, collection and investment income, which are divided into overall funds and individual account funds. Among them, the part paid by the unit goes into the overall fund, and the part paid by the individual goes into the personal account pension. The amount accumulated in a personal account is equivalent to personal property, and death before collection can be regarded as inheritance.
Pension benefits are basically composed of basic pension and personal account pension. Before the actual individual payment system, there were transitional pensions for those who participated in the work, and civil servants had other occupational annuities.
There is a trade-off between personal account pension and transitional pension. Generally speaking, the relationship between basic pension, personal account pension and transitional pension is 6: 4. The basic pension accounts for a large proportion of the actual pension benefits. The specific formula interpretation can be seen in a picture I shared earlier.
According to the pension policy and the payment method of each part of the pension, the pension is a special pension preparation, and the trigger condition is that the statutory retirement age is reached and the accumulated payment reaches 15 years or more. The basic pension is paid by the overall fund, not personal property, and of course it cannot be taken out. In short, in my opinion, the pension is that the state helps me plan first and then implement it together. Execution depends on individual and fund management ability. Only by working together can we achieve the set goals.
Hello, landlord, what is the basic pension principal in social security? Can you take it out? What are the conditions? If the basic old-age insurance in social security has reached the statutory retirement age and the accumulated payment period is less than 15 years, I can withdraw this money from my personal account upon my application. Of course, it should be noted that you can only withdraw the money from your personal account, but not in full.
Because the basic old-age insurance we pay is divided into two accounts, one is the individual pension account and the other is the overall pension account, then this overall pension account cannot be withdrawn, and only the individual pension account can be withdrawn, but our individual pension account only accounts for about 1/3 of our total pension, so the remaining 2/3 will enter the overall pension account.
So obviously, the money withdrawn is not full, so it is not practical for us to withdraw this pension, so we should not withdraw this pension, but enjoy a basic pension, because this pension can be enjoyed for life first, and then gradually increase every year with the continuous growth of our retirement years, so enjoying a pension should be our main purpose.
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Hello, landlord, what is the basic pension principal in social security? Can you take it out? What are the requirements? Basic old-age insurance or pension benefits cannot be taken out before retirement, nor can they be taken out at one time. Then, if you really don't want to participate in this old-age insurance, and you really want to claim the principal you insured, there is no problem, but you must meet two conditions, 1 condition can only be achieved after the statutory retirement age, and the second condition is that your accumulated payment period does not meet the15th anniversary, and you can withdraw the old-age insurance benefits if you meet these two conditions.
But ... one thing needs to be explained, that is, although you said you could take out the expenses of your old-age insurance, he didn't mean to take out all the expenses. For example, you paid 50,000 yuan for endowment insurance, but the money actually entered our personal account is not 50,000 yuan, only about 1/3, which is about 1.8 million yuan. Then the balance in this personal account can be fully withdrawn.
Therefore, although you paid 50,000 yuan for the old-age insurance, the money you finally got was only18,000 yuan. Although you have some interest on this account, relatively speaking, because your deposit amount is low, the interest can even be ignored, and there is basically not much money, so I think it is not appropriate to take out the balance in the personal pension account.
Thanks for reading, please add my attention.
Below I will talk about my personal views, hoping to help everyone and get everyone's approval! Basic pension is pension and retirement fee, which is the most important pension insurance treatment.
After workers lose their labor force, they need to pay insurance benefits in the form of money on a monthly or one-time basis according to their contributions to society and their qualifications for enjoying old-age insurance or retirement conditions, so as to benefit the society.
Mainly used to protect the basic needs of employees after retirement. Pensions are accumulated and operated according to the principle of combining the state, the collective and the individual.
In the prime of life, some of the wealth created is invested in the pension plan to ensure a sense of security for the elderly. Finally, here I am. I wish you all a happy work and a healthy life every day. Thank you!
This is a social security knowledge test. Guess what the teacher wants to say?
Endowment insurance can't be taken out before retirement. According to the provisions of Articles 14 and 16 of People's Republic of China (PRC) Social Insurance Law, individual accounts cannot be withdrawn in advance. Individuals who participate in the basic old-age insurance can receive the basic old-age pension on a monthly basis if they reach the statutory retirement age and have paid the accumulated contributions for 15 years.
However, if you buy commercial endowment insurance, you can surrender it, but you will lose the principal and need to refund the cash value according to the terms of the insurance company you bought.
The basic pension consists of overall pension and individual account pension.
Article 14 of the Social Insurance Law stipulates that individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.
Article 16 of the Social Insurance Law stipulates that individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid the accumulated contributions for fifteen years.
Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.
Article 17 of the Social Insurance Law stipulates that if an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors 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. The required funds are paid from the basic old-age insurance fund.
Extended data:
According to the implementation of People's Republic of China (PRC) Social Insurance Law:
second
When individuals who participate in the basic old-age insurance for employees reach the statutory retirement age, if the accumulated payment is less than fifteen years, the payment may be extended to fifteen years. After the implementation of the Social Insurance Law, if the payment is extended for five years but still less than fifteen years, it can be paid in one lump sum for fifteen years.
essay
Individuals participating in the basic old-age insurance for employees who have paid less than fifteen years after reaching the statutory retirement age (including extending the payment in accordance with the provisions of Article 2) may apply for participating in the new rural social endowment insurance or urban residents' social endowment insurance at their domicile.
Enjoy the corresponding pension insurance benefits. After the individual who participates in the basic old-age insurance for employees reaches the statutory retirement age, the accumulated payment is less than fifteen years (including extending the payment in accordance with the provisions of Article 2).
And not transferred to the new rural social endowment insurance or urban residents' social endowment insurance, individuals can apply in writing to terminate the basic old-age insurance relationship for employees. After the social insurance agency receives the application.
They shall be informed in writing of their right to transfer to the new rural social endowment insurance or urban residents' social endowment insurance and the consequences of terminating the basic endowment insurance relationship for employees. After my written confirmation, I will terminate the employee's basic old-age insurance relationship and pay me the amount stored in my personal account in one lump sum.
Article 4
Individuals who participate in the basic old-age insurance for employees are employed across provinces, and when they reach the statutory retirement age, the accumulated payment is less than 15 years. According to the Notice of the General Office of the State Council on Forwarding the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Employees of Urban Enterprises in Ministry of Human Resources and Social Security (Guo Ban Fa [2009] No.66), the payment place shall be determined, and it shall be handled in accordance with Article 2 of these Provisions.
A basic pension is also called a pension. It is the most important pension insurance treatment. That is to say, according to the relevant national documents, the beneficiary society needs to pay the insurance benefits on a monthly or lump-sum basis in the form of currency according to its contribution to society and its eligibility or retirement conditions. Mainly used to protect the basic needs of employees after retirement. Pensions are accumulated and operated according to the principle of combining the state, the collective and the individual. In the prime of life, some of the wealth created is invested in the pension plan to ensure a sense of security for the elderly. . . . The state raises the pension level of retirees 14 years. 2O 19 basically increased by about 5%. . . . The national social security law has long stipulated that individual pension insurance cannot be withdrawn in advance before retirement age, except in special circumstances. First, after the individual who participates in the basic old-age insurance for employees reaches the legal retirement age, the basic old-age insurance relationship is terminated and the amount stored in his personal account is paid to him in one lump sum. . . . Second: after the death of the individual who participated in the basic old-age insurance for employees. They shall be informed in writing of their right to keep personal accounts and the consequences of terminating the basic old-age insurance relationship for employees. Third: individuals who leave the country to settle down before reaching the legal conditions for receiving basic pensions will keep their personal accounts. The treatment is still the same . Fourth, immigrants who have lost their People's Republic of China (PRC) nationality can apply to terminate the basic old-age insurance relationship when they leave the country. After receiving the application, the social insurance agency will pay the amount stored in the personal account to me in one lump sum. I
The principal of personal account in endowment insurance is the amount of endowment insurance paid by you personally.
Article 12 of the Social Insurance Law stipulates:
The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.
Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.
According to the provisions of the Labor Law, the proportion of paying endowment insurance is: the company pays 20%, the individual pays 8%, all the money paid by the individual goes into the personal account, and part of the 20% paid by the company goes into the personal account and part of it goes into the pension fund, so the money in your personal account is composed of all the money paid by you and part of the money paid by the company.
Pension is what we often say, and we can't get it casually. Pay the pension normally, and you can't get it until you retire. According to the relevant national documents, the monthly or lump-sum payment of insurance benefits in the form of money is the need to benefit the society and is mainly used to ensure the basic living needs of employees after retirement according to their contributions to society and their qualifications or retirement conditions.
Individuals who participate in the basic old-age insurance can receive the basic old-age pension on a monthly basis if they have paid 15 years when they reach the statutory retirement age. In other words, employees who participate in endowment insurance must meet two conditions before they can receive pensions: first, they must reach the statutory retirement age; Second, the accumulated endowment insurance premium has reached 15 years. According to the relevant regulations, the legal retirement age of employees in Chinese enterprises is: 60 years for men, 50 years for women employees and 55 years for women cadres. Engaged in underground, high altitude, high temperature, particularly heavy manual labor or other jobs harmful to health (hereinafter referred to as special jobs), the retirement age is 55 years old for men and 45 years old for women; Disabled due to illness or non-work-related, the retirement age is 55 years old for men and 45 years old for women, which is certified by the hospital and confirmed by the labor appraisal committee.