can Heilongjiang province make up the endowment insurance this year? According to the new notice jointly issued by the Department of social security, the Department of Finance and the Local Taxation Bureau, before the end of March 2019, the principal and interest of the basic endowment insurance during the period of termination of insurance can be paid according to the original policy. From April 1, 2019, it is not allowed to increase the payment period by means of post payment. Learn about the new regulations of supplementary endowment insurance in Heilongjiang Province in 2019.
Do you see the spirit of the document? Up to now, there is still one last month. If those who meet the conditions for making up the payment really have to hurry up. After this village, there will be no such shop.
1. According to the notice of the Ministry of human resources and social security and the Ministry of Finance on Further Strengthening the management of the income and expenditure of the basic endowment insurance fund for enterprise employees (No. [2016] 132 of the Ministry of human resources and social security), it is not allowed to increase the payment period of individual businesses and flexible employees in cities and towns by means of post payment. This means that from 2017, flexible employment personnel can not increase the payment period by means of supplementary payment. In other words, from the national level, the supplementary payment of flexible employment personnel has been tightened.
2. According to the document No. [2018] 5 of Heilongjiang Province, there are almost no too many restrictions on the objects of supplementary payment. It can be seen from the document that the objects of supplementary payment include: in-service personnel, one-time resettlement personnel (commonly known as buyout personnel), mixed post collective and watch, factory run collective and individual personnel with flexible employment. That is to say, the spirit of this document has been relatively relaxed, including a wide range of personnel. As long as there are those who have stopped paying and are willing to pay back, they basically meet the requirements.
The payment period of endowment insurance is very important for receiving pension. For example, suppose a man started to pay pension insurance based on the average social wage in January 1996, and stopped paying after 15 years in 2001. He reached the legal retirement age in December 2018, and his personal account has about 18000 yuan of principal and interest. Let's take a look at his pension
Pension = 4645 (1 + 1) / 2 * 15 * 1% + 18000 / 139 = 696.75 + 129.50 = 826.25 yuan / month
If the person does not stop paying until December 2018 when he retires, that is, the payment period has increased by 17 years, then if he pays as an individual industrial and commercial household as a flexible employee, his supplementary payment is about 100000 yuan and his personal account is about 40000 yuan, then his pension is as follows:
Pension = 4645 (1 + 1) / 2 * 32 * 1% + 58000 / 139 = 1486.4 + 417.27 = 1903.67 yuan / month
Compared with the previous data, it will be found that the monthly pension will increase by nearly 1100 yuan, 13200 yuan a year, and the pension will increase year by year. It will take about six years to earn back the supplementary payment. Based on the average life expectancy of 76 years, we can make a net income of at least 10 years.