◆ Have you ever bought a children's mutual fund for your children?
◆ Medical insurance for urban workers with social security knowledge.
◆ Urban and rural residents have social security knowledge in medical insurance.
◆ Social security knowledge of maternity insurance
◆ Basic endowment insurance for urban workers.
The last two chapters of this social security spectrum: endowment insurance.
Why put endowment insurance in the last chapter? It is because a large part of the social security we pay every month is endowment insurance, which is a concern of everyone. How to provide for the aged and how to provide for the aged with high quality is something that everyone needs to make arrangements in advance. So what is the endowment insurance in our life?
ask
What is endowment insurance? What is the function?
answer
We can understand the old-age insurance as a means of social security, which is used to protect the basic needs of the elderly and provide them with a stable and reliable source of life. Simply put, it is to pay on time. When we reach a certain age, our hair will turn white, and individuals will start to lose their teeth and cannot continue to work. The state will give us living expenses.
ask
How to buy endowment insurance? How much do you pay every month?
answer
In this way, old-age insurance, like medical insurance, is also divided into basic old-age insurance for urban workers and basic old-age insurance for urban and rural residents. The insured person is different, the payment standard is different, and the pension is different.
Today we will talk about the basic old-age insurance for urban and rural residents!
Insured object: the staff of non-state organs and institutions who must be at least 16 years of age or above at the time of enrollment, and urban and rural residents who are not included in the basic old-age insurance system for employees, can participate in the old-age insurance for urban and rural residents at their domicile.
The following conditions are required for foreign household registration to move into our district:
(1) Men and women who have reached the age of 60 when they move in can apply for insurance after moving in for three years;
(2) Persons under the age of 60 when they move in can apply for insurance after moving in;
(3) Persons who have reached the age of 50 for women and 60 for men when they move in must promise that they have not enjoyed other social insurance pension benefits in any other place (including the basic pension of the central government, the pension insurance for urban and rural residents and the pension insurance for urban workers).
Payment standard
The endowment insurance fund for urban and rural residents consists of individual contributions, government subsidies and collective subsidies.
Personal payment: currently, it is divided into 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2,000 yuan and 3,000 yuan each year.
Government subsidy: individual payment, with a minimum subsidy of 40 yuan/year.
Collective subsidy: conditional village collective economic organizations subsidize the insured's payment (generally none).
Receiving conditions: both men and women must be over 60 years old, and the accumulated payment has reached 15 years, and they have not received the basic old-age security benefits stipulated by the state, so they can receive the old-age benefits on a monthly basis.
Monthly pension in Sichuan Province = basic pension+total personal account ÷ 139
1. Basic pension = 100 yuan (in 2009, it was 100 yuan in Sichuan, which will be adjusted)+2 yuan will be increased for each increase 1 year after payment.
2. Personal account pension = (individual contributions+government subsidies+collective subsidies+social and personal subsidies+interest generated by the above amount) ÷ 139.
example
Mr. Li Lei, aged 46, pays the annual fee of 15 years 100 yuan, and pays the individual fee of * * * 1500 yuan. At the age of 60, the monthly pension standard is:
1. basic pension = 100 yuan +0 (2 yuan will be increased for every increase in basic pension after payment 15 years).
2. Personal account pension = (individual contribution 1500+ government subsidy 600+ collective subsidy, social and individual subsidy 0+ interest generated by the above amount 336)÷ 139= 17.5 yuan.
Monthly pension 1 17.5 yuan, annual pension 14 10 yuan. All individual contributions can be recovered in less than two years.
If the annual payment is 3,000 yuan, continuous payment 15 years, the individual payment is 45,000 yuan, the monthly pension standard is 495.6 yuan, and the annual pension totals 5,947 yuan. All individual contributions can be recovered in more than 7 years.
note:
1 The personal account interest is actually calculated according to the one-year time deposit interest of the current year. In this case, for the convenience of calculation, the interest rate is unified at 2%.
2. The basic pension varies greatly from place to place. In China, Shanghai and Beijing are the highest, divided into 930 and 800 yuan, and most provinces are around 100 yuan.
Basic endowment insurance for urban and rural residents in Chengdu
Insured object: the staff of non-state organs and institutions who must be at least 16 years of age or above at the time of enrollment, and urban and rural residents who are not included in the basic old-age insurance system for employees, can participate in the old-age insurance for urban and rural residents at their domicile.
To move the household registration into the city's external demand, the following conditions are met:
(1) Men and women who have reached the age of 60 when they move in can apply for insurance after moving in for three years;
(2) Persons under the age of 60 when they move in can apply for insurance after moving in;
(3) Persons who have reached the age of 50 for women and 60 for men when they move in must promise that they have not enjoyed other social insurance pension benefits in any other place (including the basic pension of the central government, the pension insurance for urban and rural residents and the pension insurance for urban workers).
Payment standard
1. 16-year-old urban and rural residents who are under 60-year-old take 10% or 20%, 30%, 40% or 50% of the average salary of the whole province in the year before insurance (including 40% or 50% for urban residents) as the payment base, and individuals press/kloc-
2. Insured persons aged 60 or above can pay the endowment insurance premium of 15 years in one lump sum at the rate of 12%. The term of 19 years is as follows:
Remarks: The payment amount consists of two parts: individual payment and government subsidy, in which the government subsidy is directly paid into the basic old-age insurance fund for urban and rural residents.
Pension benefits:
Monthly pension = basic pension+total personal account ÷ 139+ basic pension subsidy issued according to the standards set by the provincial government.
Basic pension = average monthly payment of my index × accumulated payment period × 1%
Personal account pension = (individual contribution+government subsidy+interest generated by the above amount) ÷ 139
Note: My indexed monthly average payment = the sum of the average salary of the whole province in the previous year ×∑ (monthly payment grade ratio * payment months)/payment months.
At present, among the basic pension subsidies, the state subsidizes 88 yuan, the provincial subsidies 12 yuan and the municipal subsidies 105 yuan.
Calculation example:
Remarks: The above table is an example of calculating the old-age pension when urban and rural residents reach the age of 60, 65 and 70 respectively and pay the old-age insurance premium in one lump sum 15.
ask
How to deal with the money paid before death after participating in the endowment insurance for urban and rural residents?
answer
Has participated in the old-age insurance for urban and rural residents and died during the payment period, the individual has paid the old-age insurance for urban and rural residents to return to the designated beneficiary or legal heir; If a person dies while receiving a pension, the total amount of individual contributions shall be deducted, and the rest shall be returned to the designated beneficiary or legal heir in one lump sum, and funeral subsidies shall be given at the same time. The standard of funeral subsidy is: (pension in the month of my death-basic pension subsidy 105 yuan) ×4 months.
ask
What are the conditions for receiving old-age insurance for urban and rural residents?
answer
Those who participated in the old-age insurance for urban and rural residents before March 3 1 and March 20 10/can receive a monthly pension if they are 60 years old for men and 55 years old for women, and the payment period has reached 15; After 20 1 April1,people who participate in the old-age insurance for urban and rural residents, regardless of sex, need to be over 60 years old and pay 15 years, and can receive a monthly pension.
ask
What information do people who participate in the endowment insurance for urban and rural residents need to go through the pension collection procedures?
answer
To go through the pension collection procedures, you need to go to the township employment and social security service center where the household registration is located, and provide the following information:
Original of my ID card, bank card or passbook of rural commercial bank, honor certificate of only child, registration form for enlistment and discharge, etc. (Note: length of military service needs to go to the Social Security Bureau window alone with the registration form and discharge certificate, and then go to the Labor Security Office. )
ask
What is the most cost-effective way to pay the endowment insurance for urban and rural residents?
answer
It is most cost-effective to pay the endowment insurance for urban and rural residents year by year. Insured before the age of 60, you can enjoy government subsidies by paying the annual fee, and the money is spent less; After the age of 60, you can only pay in one lump sum, you can't enjoy government subsidies, and the money is much more expensive.
The sooner you join the insurance, the more cost-effective. Early insurance, low payment standard, less money spent. The longer the payment time, the more cost-effective. The longer the payment time, the higher the pension.
ask
It's been 15 years. Can it be stopped?
answer
Different from the old-age insurance for urban workers, the old-age insurance for urban and rural residents is voluntary and can be suspended after 15 years.
ask
What if you are 60 years old and haven't paid 15 years?
answer
Those who have reached the age of 60 but have not paid 15, who have reached the age of 60 when the new rural insurance or urban residence insurance system is implemented, and have not received the basic old-age security benefits stipulated by the state before 20 14 and 2 1 do not need to pay. From April 20 14, you can receive the basic pension of urban and rural residents' old-age insurance on a monthly basis;
If the collection period is less than 15 years, the payment shall be made year by year, and supplementary payment is allowed, and the accumulated payment shall not exceed 15 years; Those who have received the payment for more than 15 years shall be paid annually, and the accumulated payment shall not be less than 15 years.
Note: Urban and rural residents' old-age insurance participants in Chengdu can receive a one-time pension at the age of 60 15 years.
ask
Can urban and rural residents' old-age insurance be replenished?
answer
If the payment is interrupted or suspended within two years (including two years) after participating in the old-age insurance for urban and rural residents, they may apply for paying the old-age insurance premium (including interest).
ask
Provisions on the transfer of pension insurance relationship between urban and rural residents?
answer
During the payment period, if the household registration is transferred and the relationship between urban and rural residents' old-age insurance needs to be transferred across regions, you can apply for the transfer of the old-age insurance relationship at the place where you move in, transfer all the stored amount of your personal account at one time, continue to pay the insurance premium according to the regulations of the place where you move in, and the payment period is calculated cumulatively;
Persons who have received pension insurance benefits for urban and rural residents according to regulations, regardless of whether the household registration is transferred or not, their pension insurance relationship is not transferred.
ask
Can I withdraw my personal account pension in advance?
answer
Except in the case of going abroad (territory) for settlement or death, it shall not be withdrawn in advance or used for other purposes. When the insured person dies, the balance of personal account funds can be inherited according to law.
ask
When the old-age insurance for urban and rural residents is changed to the old-age insurance for urban employees, how to calculate the payment period of the old-age insurance for indigenous residents?
answer
According to the Notice of the General Office of the People's Government of Sichuan Province on Strengthening the Income and Expenditure Management of the Basic Old-age Insurance Fund for Enterprise Employees (SJFFA [2018] No.59), if the residents' old-age insurance is transferred to the employees' old-age insurance, the individual accounts of the residents' old-age insurance will be transferred to the employees' old-age insurance, and the payment period of the indigenous residents' old-age insurance will not be counted as the payment period of the old-age insurance.
ask
Can urban workers' pension insurance and urban and rural residents' pension insurance benefits be received at the same time?
answer
No, the relationship between urban and rural residents' old-age insurance shall be terminated and terminated for those who receive the pension insurance benefits for urban workers and urban and rural residents at the same time, and the balance of personal accounts except government subsidies shall be returned to me, and the basic pension of urban and rural residents' old-age insurance already received shall be returned.
Note: The relationship between urban and rural residents' old-age insurance is terminated because urban workers pay more and receive more old-age insurance; In addition, warm reminder, if you have already paid the endowment insurance for urban workers, pay attention to remind parents not to pay the endowment insurance for urban and rural residents.
Conclusion:
Social security fund is sustainable, but China has entered a deeply aging society. According to the data of 20 18, the population over the age of 65 in China has reached1660,000, an increase of 56 million compared with 2008, and the proportion of aging growth has increased from 8.09% in 2008 to 165438 in 2008. And reaching 7% is already an aging society. It took only 20 years for China to reach 1 1. 19%, while it took 65 years for the United States.
Population over 65 in China from 2008 to 20 18 (unit: 100 million people)
According to the calculation of the United Nations in 20 17, the population over 60 years old in China will reach its peak around 2055, and it is expected to reach about 507 million. In this process, our social security fund countries will adopt various ways to subsidize funds, but perhaps we will face what is happening in Japan now, such as delaying retirement. With the development of science and technology, the average life expectancy is getting longer and longer. How do you want to support the elderly when we are old? Recently, the country has been promoting commercial insurance more and more vigorously, which has pointed out the direction for the public. I believe everyone knows it!