endowment insurance is a kind of social insurance system established by the state and society according to certain laws and regulations to solve the problem of the basic life of workers when they reach the national labor age limit for the removal of labor obligations, or because they lose the ability to work due to old age. How much does endowment insurance pay at most a year? What standard does town worker endowment insurance pay? Let's have a look.
（1） Enterprises pay basic endowment insurance premium, according to the total payment wages of all employees as the payment base, the payment proportion is 20%;
（2） The basic endowment insurance premium paid by the employee is 8% based on his / her salary of last month. The salary of an employee shall be determined according to the items listed in the total wage statistics stipulated by the National Statistics Department.
The part of the employee's salary in the last month exceeding 300% of the average monthly salary of the on-the-job employee in the previous year shall not be included in the payment base. If the wage of the employee himself / herself last month is lower than 60% of the average monthly wage of the employee in the previous year, the payment base shall be calculated according to 60%.
Payment standard of new rural social endowment insurance: since the payment of new rural social endowment insurance adopts the principle of independent choice of payment, government subsidy and individual more payment, convenient inquiry of payment standard should include payment grade, government or collective subsidy of each grade, age of insurance, etc. the new rural insurance fund is composed of individual payment, collective subsidy and government subsidy. In terms of individual payment, rural residents participating in the new rural insurance should pay endowment insurance premium according to the regulations. At present, the payment standard is set at 12 levels: 100 yuan, 200 yuan, 300 yuan, 400 yuan and 500-1200 yuan per year. Local governments can add payment grades according to the actual situation. The insured choose their own level of payment, more pay more. According to the growth of per capita net income of rural residents, the state timely adjusts the payment level. Fill in according to the national standard, and the detailed content shall be determined according to the regulations of each county and city. In terms of collective subsidy, the village collective with conditions shall give subsidy to the insured, and the subsidy standard shall be determined democratically by the villagers' committee at a villagers' meeting. Other economic organizations, social welfare organizations and individuals are encouraged to provide financial assistance for the insured.
2. There are two ways to handle social security
(-) to pay in the name of an individual, you need to apply to the local social security bureau. The procedures include: ID card, two recent bareheaded one inch photos, insurance premium, application form, etc. And can deal with endowment insurance and medical insurance only.
How much to pay is calculated according to the local social average wage last year, and it is not the same every year. For example, if the average social wage of area a is 20000 yuan, then the endowment insurance payment is 20000 * 20% = 4000 / year, and the medical insurance is 20000 * 10% = 2000 / year.
In addition, it also stipulates the lowest and the highest grades. The lowest level payment shall not be lower than 60% of the average monthly wage of social workers, and the highest level shall be 300% of the average monthly wage of employees. Most of them are in the lowest grade.
In addition, the minimum payment period of endowment insurance is 180 months, i.e. 15 years, and medical insurance needs to pay at least 25 / 30 years. When you reach the retirement age, you can apply for pension benefits and medical reimbursement (as long as the renewal is normal).
（2） Or buy social security as a unit. In addition, if we want to handle social security, it's better to pay through the unit, because the unit will bear a large part of the cost for us, so as to reduce the pressure of payment.
Extended data:
The insurance contract of individual endowment insurance bears the following insurance liabilities to the insured: the insured can obtain 10-year fixed annuity during the period of receiving the pension; if the insured dies during the period of fixed annuity, the beneficiary (or the legal successor who has not designated the beneficiary) can continue to receive it for 10 years, and the insurance liability will be terminated;
If the insured is still alive after receiving the fixed annuity for 10 years, he can continue to receive the pension until he dies, and the insurance liability will be terminated; if the insured dies during the premium payment period, he can receive the death surrender payment according to the regulations, and the insurance liability will be terminated.
Individual endowment insurance premium can be paid monthly, quarterly and annually, or paid in one time when applying for insurance. The monthly premium paid by each insured shall not be less than 20 yuan, and the annual premium shall not be less than 200 yuan.
The age of starting to receive pension is 50, 55, 60, 65 and so on. The insured can choose the most appropriate level. If the insured pays the insurance premium for two years or more, he can apply for loan from the insurance company with the documents.
The loan amount shall not exceed 70% of the cash value of the insurance policy, and the loan period shall not exceed 7 months. The principal and interest of the loan shall be returned at the maturity of the loan. If the principal and interest of the loan reaches the amount of surrender, the insurance effect will be terminated.
Personal endowment insurance plays an indispensable role in the establishment and improvement of multi-level and multi-form social pension security system in China.
Scope of acceptance:
Social Security Bureau: unemployed employees of urban enterprises (including bankrupt, disintegrated and closed enterprises) who have not participated in basic endowment insurance; individual industrial and commercial households and employees with urban household registration (including rural household registration); individual transportation owners and their employees with urban household registration (including rural household registration) and operation certificate;
They are employees who have terminated labor (employment) relationship with government organs and institutions; part-time workers; flexible employees with urban registered permanent residence in the city; those who have failed to obtain insurance in the bankrupt, disintegrated or closed insured units; and demobilized soldiers who have not been resettled.
Payment:
(1) standards for enterprises and individuals to pay endowment insurance premium:
Take the average salary of the previous month as the payment wage base, pay 20% by the enterprise and 8% by the individual.
Payment base: (actual monthly average wage)
If the monthly average wage of the insured is lower than the minimum wage standard of the employees of the city in the previous year, the minimum wage standard of the employees of the city in the previous year shall be taken as the base to pay the basic endowment insurance premium.
If the average monthly wage of the insured is higher than 300% of the average monthly wage of the employees in the city in the previous year, the insured shall not pay the basic endowment insurance premium, nor shall it be taken as the base for calculating and distributing the basic pension.
If the insured is unable to determine the average wage of the previous month, the average monthly wage of the employees in the city in the previous year shall be taken as the base to pay the basic endowment insurance premium. (for new recruits and unemployed reemployees, the salary in the first month of working in the enterprise shall be taken as the payment wage base in the current year and the endowment insurance premium shall be paid according to the prescribed proportion; the payment wage base in the second year shall be determined according to the monthly average salary of the actual salary in the previous year).
Personal account:
We should combine social overall planning with individual accounts. Employees themselves pay pension insurance premium at 8% of the payment base, while enterprises transfer 3% of their payment base into individual accounts, and 11% of them are included in individual accounts. However, since January 2006, the state has stipulated that 3% of enterprises will no longer be transferred into individual accounts, and the individual accounts are all part of individual payment.
For employees participating in endowment insurance, the personal account deposit is only used for the employee's personal pension, and the personal account deposit shall not be withdrawn in advance. The individual payment part of the balance of individual account and its interest can be inherited. The rest will be incorporated into endowment insurance;
Conditions:
(1) Retirees who have reached the retirement age stipulated by the state
(2) Engaged in underground, high altitude, high temperature, especially heavy physical labor or other work harmful to health,
Male over 55 years old, female over 45 years old;
(3) Male over 50 years old, female over 45 years old, by the city, District, county labor appraisal committee chairman confirmed as completely lost
Ability to work.
(4) Before the implementation of the regulations, the payment period (including the deemed payment period) shall be more than 10 years;
After the implementation of the regulations, the number of years of payment (including deemed payment years) shall be more than 15 years.
Local policy:
According to the regulations of the Beijing Municipal People's government, those who have accumulated 15 years of payment will receive basic pension monthly after retirement.
If the individual payment period is less than 15 years (except for the agricultural workers who occupy the land), they will not enjoy the basic pension treatment by month after retirement, and their personal account savings will be paid to them in a lump sum, and at the same time, they will be given one-time pension compensation
Basic pension = Basic Pension (20% of the average monthly wage of the city's employees in the previous year) + personal account pension (1 / 120 of the savings in my account).
Promoting economic development:
In many countries, equity and efficiency are linked in the design of endowment insurance system, especially in the pension raising mode of partial accumulation and complete accumulation. The amount of pension after retirement is directly related to the wage income and payment during the working period, which can undoubtedly produce a kind of incentive for active labor and improve efficiency.
In addition, due to the wide coverage and large number of participants of endowment insurance, a large amount of endowment insurance funds can be raised in its operation, which can provide a huge source of funds for the capital market, especially the endowment insurance mode of fund system,
The accumulation of funds in personal accounts is calculated by decades, which makes the endowment insurance fund larger and provides more funds for the market. Through the operation and utilization of scale funds, it is conducive to the country's macro-control of the national economy.
significance:
Guaranteed reproduction:
Through the establishment of the endowment insurance system, it is conducive to the normal intergenerational replacement of labor groups, the elderly retired, the new growth of labor force employment smoothly, and ensure the rationalization of the employment structure.
Social security:
Endowment insurance provides basic living security for the elderly, so that the elderly have a sense of security. With the arrival of the aging population, the proportion of the elderly population is increasing, and the number is also increasing. Endowment insurance guarantees the basic life of the elderly workers, which is equal to the basic life of a considerable part of the population.
For in-service workers, participating in endowment insurance means that they have expectations of their future life after they are old, and they are free from worries. From the perspective of social mentality, people are more stable and less impetuous, which is conducive to social stability.