Now many enterprises will pay social security to their employees, but some employees will want to withdraw the money from social security once they leave because they are afraid of the trouble of social security transfer procedures or do not find a suitable unit for the time being, so can individual pension be withdrawn? What are the insurance types and payment proportion of individual insurance? It depends on your personal situation. Let's have a look.
1、 Can individual social security be withdrawn
Individual social security can be withdrawn under the following circumstances:
1. Reaching the retirement age, failing to meet the conditions for 15 years of payment (all the amount saved in the personal account is paid off);
2. The insured died for some reason;
3. The insured settled abroad;
4. Death after retirement, individual account still has balance
5. The rural household registration in other places can apply for retirement of endowment insurance after leaving office. If the individual pays part of endowment insurance, the unit part can't, and other social security can't.
2、 Social insurance after leaving the unit
1. Renewal of insurance in the new unit after handling the transfer procedures (if the new unit is in a different place, it needs to be confirmed by the social security center in a different place or wait for the policy to allow the transfer).
2. After going through the transfer out procedures, renew the insurance with personal identity (go to the social security center with ID card and social security card).
3. Stop the insurance for a period of time and renew it later. Note: medical expenses will not be reimbursed from the next month after the termination of insurance.
Due to the transfer, transfer out and suspension of insurance, the number of years and amount of individual payment are calculated.
3、 Surrender of social insurance
1. Urban registered permanent residence can not be refunded. Residents rely on social insurance for pension and medical expenses.
2. Agricultural household registration can be refunded (with ID card, social security card, certificate of home government). Farmers depend on the land to survive, so they can surrender insurance. Therefore, it is not recommended to change the identity of the majority of farmers.
3、 Payment period of social insurance
Although the cumulative contribution period is more than 10 years or 15 years, and reaches the legal retirement age, they can enjoy the pension treatment, but the longer the contribution period is, the more the contribution amount is, the more the pension will be in the future, and vice versa.
4、 Payment base:
Take 60% - 300% (40% - 300% in some places) of the average monthly salary of employees in the province where the insured is located as the payment base, and pay monthly.
5、 Insurance types and payment proportion of unit insured
1. Endowment insurance premium: 20% for unit and 8% for individual.
2. Unemployment insurance premium: 2% for unit and 1% for individual.
3. Medical insurance premium: 8% for unit and 2% for individual.
4. Industrial injury insurance premium: paid by the unit, not paid by the individual.
5. Maternity insurance premium: paid by unit, not by individual.
6、 Insurance types and payment proportion of individual insurance
1. Endowment insurance premium: 20% paid by individuals.
2. Medical insurance premium: 5% paid by individuals.
3. Maternity insurance premium: 1% for individuals (in some areas).
"Can individual social security be withdrawn?" through the above contents, we find that urban hukou can withdraw social security only in three cases, namely, under the retirement age of less than 15 years, the death of the insured or living abroad and other special circumstances, while rural Hukou in other places can directly apply for withdrawing the individual payment part of endowment insurance after leaving office, while the unit part cannot. After the cancellation of social security accounts in rural areas, when returning home or working in other cities, social security accounts can be opened again.