Recently, Ministry of Human Resources and Social Security WeChat has successively released questions and answers about the basic old-age insurance for employees, answering questions about how to pay and how to transfer and continue the old-age insurance. Related to everyone, friends quickly learn ↓
1. What conditions do I need to meet to receive a pension?
When individuals who participate in the basic old-age insurance for employees reach the statutory retirement age, they can receive the basic pension on a monthly basis after the accumulated payment period is over 15 years.
2, the basic old-age insurance payment period is not enough, can I retire? Can I get a pension?
When individuals who participate in the basic old-age insurance for employees reach the statutory retirement age, if the accumulated payment period is less than 15 years, there are the following measures:
First, you can extend the payment to 15 years, and then receive the basic pension on a monthly basis (among them, if you are insured before the implementation of the Social Insurance Law and are still less than 15 years after the extension of payment for 5 years, you can pay the payment in one lump sum to 15 years).
Second, you can apply for the basic old-age insurance for urban and rural residents who are transferred to the place where your household registration is located and enjoy the corresponding old-age insurance benefits.
Third, individuals can apply in writing to terminate the basic old-age insurance relationship for employees. According to the procedure, the social security institution will terminate its employee pension insurance relationship after my written confirmation, and pay the amount stored in personal account to me in one lump sum.
3. Will the pension be adjusted? How to adjust?
The Ministry of Human Resources and Social Security and the Ministry of Finance, according to the average wage growth of employees and the price increase, take into account the affordability of pension funds, finance at all levels and other aspects, study and formulate the basic pension adjustment plan for retirees, and guide local organizations to implement it after being approved by the State Council.
4, how to handle the transfer of basic old-age insurance for employees?
At the end of 2009, the state formulated the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance Relationship for Employees of Urban Enterprises (Guo Ban Fa [2009] No.66) and a series of supporting policies, which clarified the policies and operational procedures for the inter-provincial transfer and continuity of the old-age insurance relationship.
The insured cross-provincial mobile employment, the basic old-age insurance relationship transfer in accordance with the following provisions:
(1) If the insured person returns to the domicile (referring to the province, autonomous region or municipality directly under the Central Government, the same below) for employment and insurance, the relevant social security agency at the domicile shall handle the transfer and connection procedures in time.
(two) the insured did not return to the domicile of employment insurance, by the social security agencies in the new insured place for its timely transfer procedures. But for men over 50 years of age and women over 40 years of age, they should continue to retain the basic old-age insurance relationship in the original insured place, and at the same time establish a temporary basic old-age insurance payment account in the new insured place to record all the contributions of units and individuals. Once again, when the insured person is employed in cross-provincial flow or reaches the conditions for receiving benefits in the newly insured place, all the payment principal and interest in the temporary basic old-age insurance payment account will be transferred to the original insured place or the place for receiving benefits.
(III) If the insured is transferred with the approval of the organization department of the Party committee at or above the county level and the administrative department of human resources and social security, and establishes labor relations with the transferred unit and pays the basic old-age insurance premium, it shall not be restricted by the above age, and shall go through the procedures for the transfer and connection of the basic old-age insurance relationship in time at the transferred place.
5. Then how should I handle the transfer and connection procedures?
The insured inter-provincial migrant employment, by the original insured local social insurance agencies issued insurance payment vouchers, the basic old-age insurance relationship should be transferred to the new insured, according to the following procedures for the basic old-age insurance relationship transfer procedures:
(a) the insured in the new employment in accordance with the provisions of the establishment of the basic old-age insurance relationship and payment, by the employer to the social security agencies put forward a written application for the transfer of the basic old-age insurance relationship.
(two) the social security agency of the new insured place shall, within 15 working days, review the application for transfer and continuation, and send a letter of acceptance to the insured person if it meets the conditions, and provide relevant information; Make a written explanation for those who do not meet the conditions for transfer and connection.
(three) the social security agency where the original basic old-age insurance relationship is located shall, within 15 working days after receiving the acceptance letter, handle all the procedures for transfer and connection.
(IV) The social security agency in the newly insured place shall, after receiving the basic old-age insurance relationship and funds transferred by the social security agency in the place where the original basic old-age insurance relationship of the insured person is located, complete the relevant procedures within 15 working days and promptly notify the employer or the insured person.
However, please consult the local social insurance agency for specific procedures.
6. When transferring, does the foundation follow people?
When the insured transfers the basic old-age insurance relationship through inter-provincial floating employment, the transfer funds shall be calculated according to the following methods:
(1) Storage amount in personal account: calculated and transferred according to the accumulated principal and interest paid by individuals before January 1, 1998, and calculated and transferred according to the total storage amount included in personal account after January 1, 1998.
(2) Overall fund (unit payment): based on the actual payment salary of each year after January 1, 1998, it is transferred according to the sum of 12%. If the insured payment is less than one year, the transfer is calculated according to the actual payment months.
7. Where can I get a pension when I reach retirement age after transferring from different places?
Divided into the following situations.
(a) the basic old-age insurance relationship in the domicile, the domicile is responsible for receiving treatment procedures, enjoy the basic old-age insurance benefits.
(two) the basic old-age insurance relationship is not in the place where the household registration is located, but the accumulated payment period in the place where the basic old-age insurance relationship is located is over 10 years, and the treatment procedures shall be handled there to enjoy the local basic old-age insurance benefits.
(III) If the basic old-age insurance relationship is not located at the domicile, and the accumulated payment period in the locality where the basic old-age insurance relationship is located is less than 10 years, the basic old-age insurance relationship shall be transferred back to the original insured place where the payment period has reached 10 years, and the treatment shall be received and the basic old-age insurance benefits shall be enjoyed.
(4) If the basic old-age insurance relationship is not located at the domicile, and the accumulated payment period in each insured place is less than 10 years, the basic old-age insurance relationship and the corresponding funds shall be collected at the domicile, and the domicile shall go through the formalities for receiving benefits according to regulations and enjoy the basic old-age insurance benefits.
8. At that time, what will determine how much money you can get?
After the insured person transfers and continues the basic old-age insurance relationship, if he meets the conditions for receiving benefits, his basic pension will be calculated based on the average salary of employees in each year corresponding to his annual payment salary, payment period and the place where he receives benefits.
9. What are the policies related to migrant workers who participate in endowment insurance?
If migrant workers interrupt their employment or return home without continuing to pay fees, the social security agency of the original insured place shall keep their basic old-age insurance relationship, keep all their insurance payment records and personal accounts, and the amount stored in personal accounts shall continue to bear interest according to regulations.
Migrant workers who return to urban employment and continue to pay insurance premiums, regardless of whether they return to the original insured place for employment or go to other cities and towns for employment, shall calculate their payment period in accordance with the foregoing provisions, and calculate the amount of their personal accounts in a consolidated manner. Those who meet the conditions for receiving benefits shall enjoy the same basic old-age insurance benefits as urban workers;
If migrant workers no longer return to urban employment, their insurance payment records and personal accounts in urban areas are all valid, and they can enjoy the basic old-age insurance benefits for urban workers according to the actual situation of migrant workers, or they can be transferred to the new rural social old-age insurance when they meet the prescribed conditions for receiving them.