Original title: since July, Beijing has implemented the new upper and lower limits of social security payment base. What are the changes in employee pension insurance?
From July, Beijing will implement the new upper and lower limits of social security payment base, of which the payment upper limit is determined as 23565 yuan, down 1836 yuan from last year. On the 30th, Beijing Municipal Bureau of human resources and social security released that the average wage of employees in full caliber urban units in 2018 was 94258 yuan, which was used to verify the upper and lower limits of the payment base of endowment insurance, unemployment insurance and work-related injury insurance, and reasonably reduce the social security payment base of some insured persons and enterprises. It is reported that the implementation of the upper and lower limits of the new payment base is expected to reduce the burden of enterprises by nearly 4.2 billion yuan by the end of the year.
On June 30, the Beijing Municipal Bureau of human resources and social security released for the first time that the average wage of urban employees in 2018 was 94258 yuan and the average monthly wage was 7855 yuan. The average wage of employees in full caliber urban units increases the average wage of on-the-job employees in private units compared with the original policy, which can more reasonably reflect the actual average wage level of insured personnel, so as to verify the upper and lower limits of individual payment base. The payment base of employees with low wage level can be reduced accordingly and the payment burden can be reduced.
Accordingly, Beijing Social Security Center released the payment base of endowment insurance, unemployment insurance and industrial injury insurance in 2019.
Since July 2019, the upper and lower limits of basic endowment insurance and unemployment insurance contributions for urban employees are 3613 yuan and 23565 yuan; The upper and lower limits of industrial injury insurance payment are 4713 yuan and 23565 yuan. It is understood that, according to relevant regulations, employees participating in basic endowment insurance, basic medical insurance, unemployment insurance, industrial injury insurance and maternity insurance determine the payment base according to their average salary of the previous month. However, for people with too high or too low income, the upper and lower limits of the payment base are set accordingly, that is, if the average monthly salary of employees in the previous year is lower than the lower limit, the lower limit of the payment base shall be used; If it is higher than the upper limit, the upper limit shall be used as the payment base. If the average monthly salary is between the upper and lower limits, the pension insurance payment base shall be determined according to my actual salary income. The upper limit is generally determined according to 300% of the city's average wage.
The reporter of Beiqing daily noted that the lower limit of pension and unemployment insurance was adjusted from 40% to 46%. The Beijing Municipal Bureau of human resources and social security said that this move is to implement the national requirement that the lower limit standard of basic endowment insurance payment base should be gradually increased to 60% if it is lower than 60%, and the lower limit standard of payment should be adjusted to 60% by July 2021.
According to the upper and lower limits of the new payment base, compared with the old one, the reporter of Beiqing daily found that it has indeed decreased. The previous payment ceiling was 25401 yuan, down 1836 yuan.
In addition, since July this year, individual industrial and commercial households and flexible employees have participated in the basic old-age insurance and unemployment insurance for enterprise employees. Both types of insurance can choose an appropriate payment base between the lower and upper payment limits for payment. It is not necessary to select only three fixed gears as before.