Pension, also known as pension and retirement fee, is one of the most important social endowment insurance benefits. Pension is the topic that everybody pays close attention to commonly, how to do about pension pay enough 15 years? How to get employee pension? Today, Xiaobian simply made a big stock of social security issues. Let's have a look.
Does endowment insurance expend full 15 years need not continue to pay?
Authority: endowment insurance is a kind of five insurances. It is only a basic condition for employees to apply for retirement when they have reached the statutory retirement age. It does not mean that they can not continue to pay after they have paid for 15 years!
According to Article 10 of the social insurance law: 'employees shall participate in the basic endowment insurance, and the employer and employees shall jointly pay the basic endowment insurance premium. 'it is a legal obligation to pay social security. Even if you have paid for 15 years before retirement, you have to continue to pay until the employee retires.
Does worker annuity calculate have grade of cent?
Authority: the amount of pension after retirement is calculated according to the pension calculation formula based on the actual payment of each employee over the years. It can be said that the pension treatment of enterprise employees after retirement is "thousands of people and thousands of faces", with no fixed grade.
Basically:
① The longer the length of service, the longer the accumulated payment period and the more pension.
② The higher the wage, the higher the contribution base and the more the pension.
③ The later the retirement age is, the more pension fees are paid, the more pension.
④ The more developed the local economy is, the higher the average wage of the employees is, and the more pensions are calculated and paid in turn.
Pension calculation formula:
Employee pension consists of the following three parts:
① Basic pension = (average monthly salary of on-the-job employees in the previous year at the time of retirement + average monthly payment salary indexed by myself) & divide; 2 & times; payment period & times; 1%;
② Personal account pension = personal account deposit & divide; calculated months;
③ Transitional pension is calculated according to the payment period before the implementation of individual account
Can you get unemployment insurance benefits directly when you are unemployed?
Authority: unemployment insurance benefits are not paid out of work.
Claim conditions:
① Before unemployment, the employer and the employer have paid unemployment insurance premiums for one year in total, or they have paid unemployment insurance premiums for less than one year, but they still have a period for receiving unemployment insurance premiums;
② Those who do not interrupt employment because of their own will;
③ Those who have gone through unemployment registration and have requirements for employment.
Note: those who leave voluntarily do not meet the requirement that their employment is not interrupted due to their own will.
Do you have to go to the community hospital before seeing a doctor, or you will not be reimbursed?
Authority: the first visit at the grass-roots level is not compulsory. The insured employees and residents can select multiple designated medical institutions as the first visit hospitals according to the relevant policies in the overall planning area. It is necessary to remind the insured that some community hospitals are not designated medical institutions.
If the insured personnel need to be transferred outside the administrative area of this city for medical treatment, they must be provided with a transfer certificate by a designated hospital with transfer qualification, and then they can go to the social security center for filing.
Social security card can be lent to others at will?
Authority: social security card is not only a kind of identity certificate, but also can be used for medical settlement, self-service query, payment collection, cash deposit and withdrawal, etc.
However, the following behaviors, in violation of the basic medical insurance law, may be suspended from using social security card, or even be investigated for criminal responsibility!
① Purchase of daily necessities, sports fitness or health care and other consumption not directly related to disease treatment;
② The medical insurance fund is defrauded by changing medicine (goods), reselling drugs, applying and opening up inspection and treatment items, and drugs are purchased and stored beyond the scope;
③ Using other people's social security card;
④ Lend your social security card to others;
⑤ Forgery or use of false medical records, prescriptions, inspection and test reports, disease diagnosis certificates and other medical documents and invoices as reimbursement vouchers of medical insurance accounts will be deemed as medical insurance fraud;
⑥ Using social security card to prescribe drugs that exceed the amount needed by the patient's condition in the hospital and then reselling them to others belongs to the behavior of arbitrage social security fund, which is illegal profit-making and improper profit-making.
How much of the hospitalization fee can't exceed?
Authority: the medical insurance policy has never stipulated the limit of hospitalization expenses for each insured person. As long as the medical expenses conform to the basic medical insurance policy, they can be reimbursed according to the regulations.
It is a serious behavior that the medical institutions charge the medical expenses of the insured separately for the reason of exceeding the medical insurance limit, which damages the interests of the insured.
Can't stay in hospital for more than 15 days?
Authority: the current medical insurance policy has never stipulated the length of stay of the insured. Whether to discharge or not should be determined according to the patient's specific condition and whether the discharge standard has been reached and whether the hospital can provide corresponding medical services.
Medical institutions or medical staff shall not require discharge of patients who fail to meet discharge standards for any reason.
Does male worker and female worker that no longer bear need to pay birth insurance?
Authority: maternity insurance is a compulsory payment, which needs to be participated in. According to the provisions of the social security law, the employees shall participate in the maternity insurance, and the employer shall pay the maternity insurance premium in accordance with the provisions of the state, while the employees shall not pay the maternity insurance premium.
Will the medical insurance be cleared three months after it is cut off?
Authority: at present, the payment history of Guangzhou employees' social medical insurance is calculated cumulatively, and the suspension of payment by the insured will not cause the medical insurance payment history to be cleared. However, there are also many effects on the insured, such as: the insured stops to enjoy the social medical insurance treatment of employees in the next month after the payment is stopped; and in the long run, the insured needs to pay the minimum number of years before they can enjoy the retirement medical insurance treatment when they reach the legal retirement age.
The local pension is late, and the money of the previous months has not been paid?
Authority: the time for pension adjustment and payment in place may vary from place to place. However, no matter when the pension is paid in place, it will be reissued from January 1 of that year.