in the near future, many important changes have taken place in "five insurances and one fund". These new policies and changes have a beneficial impact on the income and treatment of the common people, and at the same time, they have brought benefits to the reduction of the burden of enterprises. For many employees, they are very concerned about the issue of five insurances and one fund. So what are the new changes this year? Come and have a look.
Both pension benefits have been raised
Recently, the basic pension of urban and rural residents has increased. On May 10, the Ministry of human resources and social security and the Ministry of Finance issued a circular, deciding that from January 1, 2018, the minimum standard of basic endowment insurance for urban and rural residents nationwide will be raised to 88 yuan per person per month, that is, 18 yuan will be increased on the basis of 70 yuan per person per month.
This indicates that the normal adjustment mechanism of basic pension of urban and rural residents has begun to operate, with a large number of beneficiaries. According to the data of the Ministry of human resources and social security, as of the end of December 2017, the number of urban and rural residents insured was 512.55 million, including 155.98 million receiving treatment and 125 yuan per capita per month.
In addition, the increase of basic pension for employees has entered the landing period. This year, the basic pension level of retirees in enterprises, government agencies and institutions will be raised by about 5% on the whole. All regions should submit the specific implementation plan for approval before May 31, 2018. At present, Shanghai has taken the lead in announcing the specific pension adjustment plan and requires that it be paid in place on May 18.
Central pension adjustment system approved
On May 11, the second meeting of the Central Committee for comprehensively deepening reform passed the central adjustment system plan of basic endowment insurance fund for enterprise employees.
The meeting requested that, on the basis of not increasing the overall burden of the society and not increasing the proportion of endowment insurance contributions, the fund raising, fund allocation, fund management and central financial subsidies should be coordinated by the central government to reasonably balance the fund burden among regions, realize the safety and sustainability of the fund, realize the controllable financial burden, and ensure the timely and full payment of pensions in all regions.
The central adjustment system of basic endowment insurance fund for enterprise employees is the first step to realize the national overall planning of endowment insurance. This will balance the burden of endowment insurance among regions and adjust the surplus and shortage. That is to say, there is no need to worry about the lack of pension in some places.
Social security rate continues to decrease in stages
From May 1, 2018, provinces (districts and cities) where the payment proportion of basic endowment insurance units for enterprise employees exceeds 19% and provinces (districts and cities) where the payment proportion of units drops to 19%, and where the cumulative balance of funds can be paid for more than 9 months, 19% of the payment proportion of units can be phased implemented until April 30, 2019.
At the same time, from May 1, 2018, according to the notice of the Ministry of finance of the Ministry of human resources and social security on periodical reduction of unemployment insurance rate, provinces (districts and cities) with 1% of the total rate of unemployment insurance will be implemented, and the period of periodical reduction of rate will be extended to April 30, 2019.
Unemployment insurance premium shall be jointly paid by the employer and the employees. The reduction of unemployment insurance unit rate will further reduce the burden of enterprises, and at the same time, many regions have lowered the individual payment rate, which will continue to benefit the majority of workers.
Changes in the payment and withdrawal of housing fund
Housing provident fund ushers in new regulations in terms of deposit and withdrawal. The Ministry of housing and urban rural development and other departments recently issued the notice on improving the payment mechanism of housing provident fund to further reduce the cost of enterprises. The implementation period will continue to be extended until April 30, 2020 after the phased and appropriate reduction of the payment proportion of enterprise housing provident fund issued by various regions in 2016 expires. The lower limit of the proportion of housing accumulation fund is 5%, and the upper limit shall be determined by each region according to the procedures stipulated in the regulations on the administration of housing accumulation fund, and the maximum limit shall not exceed 12%.
In terms of extraction, the Ministry of housing and urban rural development and other departments issued the notice on the management of illegal extraction of housing provident fund, focusing on supporting the extraction of housing provident fund to purchase the first ordinary housing and the second improved housing in the place of deposit or household registration, so as to prevent the extraction of housing provident fund for speculation. Vigorously promote online audit and business processing, and shorten the audit time limit.
It is helpful to reduce the proportion of enterprise's housing accumulation fund payment and deposit in a phased and appropriate way to reduce the burden of the enterprise; it is helpful to cut off the "black industry chain" of housing accumulation fund and safeguard the rights and interests of the employees who pay and deposit according to law; and it is more convenient and quick for the employees to withdraw the housing accumulation fund by optimizing the process of withdrawal and examination.