Social security is closely related to our life. It can not only protect our basic life, but also for foreigners, the settlement of house and car purchase is related to the continuous payment of social security. Once the social security is cut off, it will bring great impact. So how much does the pension insurance need to pay in 2019? Let's learn about the new regulations for supplementary payment of endowment insurance in 2019!
1. Overdue fine and interest shall be paid in case of exceeding the time limit
Overdue fine and interest shall be paid if the social security payment is interrupted for a certain period of time. According to the current regulations, the overdue social insurance premium of the company shall be charged 5 / 10000 of overdue fine every day from the date of overdue payment to the day before the employer applies for the successful supplementary payment.
Calculation formula of overdue fine: the number of days overdue & times; of social insurance premiums payable per month = overdue fine. Of course, in the actual implementation, the overdue fine is generally collected for the failure of the insured units to pay on time, and the individual insured generally does not collect the overdue fine. However, if the individual insured fails to pay the overdue fee across the year, it must pay the overdue fine.
2. No one-time supplementary payment is allowed if there is no payment record before the age of 45
After January 1, 2019, the residents who have reached the age of 60 and have not participated in the insurance and payment will no longer be granted the living allowance for the elderly. The residents who have reached the age of 45 but have not participated in the insurance and payment will no longer be allowed to pay the pension insurance for 15 years in one lump sum. That is to say, before the age of 45, there must be a social security payment record, otherwise it is not allowed to pay the pension in one lump sum.
3. Three categories of people can make up one-time payment of endowment insurance
Educated youth with local household registration who went to the countryside from 1961 to 1982;
Local registered permanent residence, the elderly who have participated in the endowment insurance for employees (male over 65 years old, female over 60 years old);
The registered permanent residence of the local town has established labor relations with state-owned enterprises or county-level and town level collective enterprises, and has reached the retirement age before December 31, 2010.
4. How to make up the social security in 2019?
In fact, for different payment groups, the way to pay social security is not the same. There are mainly two types of people: those with work units and those with flexible employment. Let's tackle them one by one:
(1) Self employment: as for freelancers, the popular point is' groups without work units', they can be insured in a flexible way, and they need to go to the social security department where the household registration is located to handle the social security registration procedures.
(2) Unit payment: how to make up for the social insurance paid by the unit's employees in 2019? In fact, we can refer to the new policy of social insurance paid by the employees in 2019. That is to say, after the termination or termination of the labor relationship between the employees and the employer, they can continue to participate in the insurance as individuals.
5. How much does it cost?
From the perspective of the new policy of employees' supplementary payment of social security in 2019, the policy of supplementary payment is different in different regions. Taking Hunan as an example, the new way of supplementary payment in 2018 is as follows: according to the boundary line of January 1, 2017 on December 31, 2016, the actual details are as follows:
If Mr. Liu retired before December 31, 2016, and has reached the retirement age, but has not paid for 15 years, he can pay social security fees for two grades, 60% or 100% respectively, and pay for 15 years according to 20%.
It is understood that in 2016, the average on-the-job salary in Hunan was 4491 yuan. If Mr. Liu has paid the fee for 10 years, it is still 5 years behind, and the difference between 100% and 60% can be found out through detailed calculation:
(1) 100% payment: 4491 yuan * 20% * 12 months * 5 years = 53892 yuan;
(2) 60% payment: 4491 yuan * 60% * 20% * 12 months * 5 years = 32335.2 yuan.
Tip: from the perspective of grade, how to make up for social security in 2019 is linked to grade and age.
The above is the whole content of the new policy of supplementary payment of social security in 2019. I hope it can help you!