Many people question whether the normal people need to pay endowment insurance, and whether the disabled people with their own defects need to pay endowment insurance. The answer is that they need to pay endowment insurance, and no one can make an exception. On the one hand, at this stage, the legal conditions for all people to receive pension are: when they reach the legal retirement age, the endowment insurance payment shall be at least 15 years. On the other hand, there are two kinds of endowment insurance: urban workers' Endowment Insurance and urban and rural residents' endowment insurance. Different types of insurance, payment standards or retirement regulations for different groups of people are different. The state has preferential policies for special groups. For example, local policies shall prevail.
1. Disabled on business
The types of insurance are endowment insurance for urban employees. The work-related injury level belongs to the first to the fourth level, and the fifth to the tenth level. Different levels, different treatment.
The unit shall not terminate the labor relationship with level 1 to level 4, which are lifelong and reliable. Before reaching the legal retirement age, 75% - 90% of the original salary standard corresponding to the level of work-related injury shall be entitled to disability allowance every month, and the unit and individual shall jointly pay the social security fee. When the legal retirement age is reached, the employee shall go through retirement procedures, stop paying disability allowance, and enjoy pension benefits and medical insurance benefits for retirees. Pension benefits shall not be lower than the original disability allowance standard.
Level 5 to 6, as long as they do not resign, the unit must be responsible for you, the unit can not take the initiative to terminate the labor relationship with the employees, but the employees can put forward. When the medical treatment period expires, the unit will either arrange work or pay disability allowance at 60% - 70% of the original wage standard. If the labor relationship has not been terminated, the unit and individual shall jointly pay social security fees. When the prescribed number of years has been paid and the legal retirement age has been reached, retirement procedures shall be handled, disability allowance shall be suspended, pension benefits and medical insurance benefits for retirees shall be enjoyed. Pension benefits shall not be lower than the local minimum wage standard. Once the employees propose and terminate the labor relationship, the unit can ignore you.
If the term of the contract is not over, the unit shall be in charge of you. At the end of the contract, the employer can terminate the labor relationship with the employer. If the contract period is not expired, the employee can also terminate the labor relationship at his own initiative. The unit shall pay compensation and compensation according to the conditions of work injury insurance and labor contract law. During the contract period, the unit and individual shall jointly pay the social security fee. After the termination of labor relations, the original unit is no longer responsible for social security expenses. When an individual has paid the prescribed number of years and reached the legal retirement age, he shall go through the retirement procedures and enjoy pension benefits and medical insurance benefits for retirees.
2. Disabled due to illness or non work and completely incapacitated
(1) If you are participating in endowment insurance for urban employees
If the endowment insurance has been paid for at least 15 years, female comrades have reached 45 years old, and male comrades have reached 50 or 55 years old (subject to local regulations), they can retire in advance.
(2) If you are participating in endowment insurance for urban and rural residents
There is no claim of early retirement, but you can enjoy payment subsidies according to local policies. When they are 60 years old, they can go through retirement procedures and receive pensions.
3. Disabled persons with income difficulties in flexible employment
The types of insurance are endowment insurance for urban employees. If they meet the requirements, they can apply for 4050 government social security subsidies. The specific standards and policies are not uniform in different regions. Please call 12333 for consultation and confirmation.
For the disabled at any level, there is no such thing as free participation in the endowment insurance and medical insurance for urban employees. Only when they fulfill their payment obligations can they enjoy the benefits. What's more, we pay more for more than we pay, and we pay more for longer. If you meet the relevant regulations of 4050 people, you can apply for the government social security subsidy. The endowment insurance of urban and rural residents also needs to be paid by all people, but some people who meet the policy can enjoy additional government subsidies. The medical insurance for urban and rural residents is free of charge. The required funds are fully subsidized by the government, but they must meet the requirements of local policies such as severe disability and minimum living insurance.