Endowment insurance provides certain protection for people's pension problem to a certain extent. What should be done if they want to surrender their insurance? The following is some information about how to surrender the old-age insurance for your reference.
related processes of endowment insurance surrender 1. social insurance after leaving the company
1. renew the insurance in the new company after handling the transfer formalities (if the new company is in a different place, it needs to be confirmed by the social security center in another place or wait for the policy to allow it to be transferred).
2. renew your insurance in your personal capacity after going through the transfer formalities (go to the social security center with your ID card and social security card).
3. stop the insurance for a period of time and renew it later. Note: the reimbursement of medical expenses will be stopped from the month after the insurance is stopped. Due to the transfer, transfer and termination of insurance, the payment period and payment amount of individuals before and after several times are calculated cumulatively.
Second, the surrender of social insurance
1. Urban hukou cannot be surrendered.
2. Those in agricultural registered permanent residence can surrender their insurance (with ID card, social security card and certificate of their home country). Residents depend on social insurance to get pensions and medical expenses, so they can't surrender. Farmers have land to live on, so they can surrender their insurance. Most farmers have to become residents, so surrender is not advocated.
Third, although the accumulated payment period is more than 1 years or 15 years, and those who reach the statutory retirement age can enjoy the pension benefits, the longer the payment period, the more the payment amount, and the more the pension in the future, and vice versa.
iv. payment base: based on 6%-3% (4%-3% in some places) of the average monthly salary of employees in the province where the insured person is located in the previous year, the payment base is paid monthly.
V. Insurance coverage and payment ratio of the unit
1. Endowment insurance premium: the unit pays 2% and the individual pays 8%.
2. Unemployment insurance premium: 2% paid by the unit and 1% paid by the individual.
3. medical insurance premium: the unit pays 8% and the individual pays 2%.
4. Work-related injury insurance premium: paid by the unit, but not by the individual.
5. Maternity insurance premium: paid by the unit, but not by the individual.
VI. Insurance coverage and payment ratio of individuals
1. Endowment insurance premium: individuals pay 2%.
2. medical insurance premium: individuals pay 5%.
3. Maternity insurance premium: 1% paid by individuals (in some areas).
for details, please contact the labor security telephone number 12333.
basic old-age insurance business procedures 1. Basic old-age insurance registration
Required information
1. Valid certificates such as Business Registration License or Information on Approval of Establishment;
2. A copy of the Legal Person Code Certificate and the ID card of the legal representative or person in charge;
3. Other information.
Procedures
1. The unit will submit the above information to the Provincial Social Insurance Bureau for review;
2. Those who pass the examination shall be issued a Social Insurance Registration Form by the Provincial Social Insurance Bureau;
3. The unit shall fill in the Social Insurance Registration Form accurately according to the requirements of the registration form;
4. The Provincial Social Insurance Bureau shall handle the basic old-age insurance registration procedures as required,
compile the code of the basic old-age insurance registration certificate and issue it to the Social Insurance Registration Certificate.
Second, the basic old-age insurance change registration
Required information
1. Social Insurance Registration Certificate (basic old-age insurance);
2. materials such as certificates of approval or announcement of changes by relevant authorities.
Procedures
1. The unit will submit the above information to the Provincial Social Insurance Bureau for review;
2. Upon examination, the provincial social insurance bureau will issue the Social Insurance Change Registration Form to the units that really need to change their registration;
3. The unit shall fill in the Social Insurance Change Registration Form as required;
4. The provincial social insurance bureau shall go through the formalities of change registration as a unit according to regulations, recover the original Social Insurance Registration Certificate and issue a new one.
Third, the basic old-age insurance cancellation registration
Required information
1. Social Insurance Registration Certificate (basic old-age insurance);
2. materials such as legal documents and certificates of approval or cancellation by other relevant authorities.
Procedures
1. The unit will submit the above information to the Provincial Social Insurance Bureau for review;
2. For those who have passed the trial, the Provincial Social Insurance Bureau will issue the Social Insurance Cancellation Registration Form to the units that really need to cancel the registration;
3. The unit shall fill in the Social Insurance Cancellation Registration Form as required;
4. The Provincial Social Insurance Bureau shall go through the cancellation procedures according to the regulations, and recover the Social Insurance Registration Certificate.
IV. Formulation of the Income and Expenditure Plan of the Basic Endowment Insurance Fund
Required Information
1. Summary of Changes in the Number of Persons Participating in the Basic Endowment Insurance (in duplicate);
2. Summary Table of Increase and Decrease of Retired (Retired) Personnel in Industrial Units (in duplicate);
3. Change Form for Socialized Payment of Basic Pension for Retired Persons (in duplicate).
Procedures
1. The provincial social insurance bureau shall prepare the monthly basic old-age insurance premium income and expenditure plan of the unit, which shall be implemented by the provincial social insurance bureau after being approved by the relevant departments.
2. before the monthly payment base of employees is declared, the annual monthly collection plan of the unit is based on the average monthly salary of employees in the previous year, and it is determined once a year. The execution time is from July of each year to June of the following year, and it will remain unchanged in principle once it is determined.
V. Information required for new insurance for on-the-job personnel
1. Summary Table of Increase and Decrease of Persons Participating in Basic Old-age Insurance (in duplicate);
2. What materials should college graduates provide to establish a new labor relationship with the unit, such as the Labor Contract, recruitment, employment and employment? Notice of graduation assignment for college students? , demobilized soldiers need to provide "demobilized soldiers certificate" (original);
3. Add ID cards and photocopies of on-the-job personnel.
Procedures
1. The unit will submit the above information to the Provincial Social Insurance Bureau for review;
2. For those who pass the examination, the Provincial Social Insurance Bureau will handle the new procedures for them, and compile social security numbers one by one to establish the basic old-age insurance relationship for employees and establish personal accounts.
3. the provincial social insurance bureau shall keep a summary of changes in the number of people participating in the basic old-age insurance, which has passed the examination, and return a copy to the employer.
VI. Information required for on-the-job personnel to transfer to renewal insurance
1. Relevant information such as the Basic Endowment Insurance Relationship Transfer Form handled by the social insurance institution in the transfer place;
2. The personal account files confirmed by the social insurance institution in the transfer place over the years;
3. Effective materials such as the Labor Contract and transfer order for establishing new labor relations with the unit;
4. ID card and photocopy of the on-the-job personnel.
The function of endowment insurance is beneficial to ensure the reproduction of labor force
The establishment of endowment insurance system is beneficial to the normal intergenerational replacement of labor force, the retirement of the elderly, the smooth employment of the newly-increased labor force, and the rationalization of employment structure.
It is beneficial to social security
Endowment insurance provides basic living security for the elderly, and provides them with 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. The old-age insurance guarantees the basic life of the elderly workers, which is equivalent to ensuring the basic life of a considerable part of the society. For on-the-job workers, participating in the old-age insurance means that they have expectations for their future life in old age and are free from worries. From the social mentality, people are more stable and less impetuous, which is conducive to social stability.
It is conducive to promoting economic development
Many countries design old-age insurance systems to link fairness with efficiency, especially the partially accumulated and fully accumulated pension fund-raising model. The amount of pension received by workers after retirement is directly related to their wage income and payment during their on-the-job work, which can undoubtedly stimulate workers to work actively during their jobs and improve efficiency.
in addition, due to the wide coverage and large number of participants, the pension insurance can raise a large amount of pension insurance money in its operation, which can provide a huge source of funds for the capital market, especially the pension insurance model with fund system. The accumulation of funds in personal accounts is calculated in decades, which makes the pension insurance fund larger and provides more funds for the market. Through the operation and utilization of large-scale funds, it is beneficial to the state's macro-control of the national economy.
In China, before the 199s, employees in enterprises implemented a single old-age insurance system. In 1991, "the State Council's Decision on the Reform of Enterprise Employees' Pension Insurance System" clearly stated: "With the development of economy, a system combining basic pension insurance with enterprise supplementary pension insurance and employee personal savings pension insurance will be gradually established". Since then, China has gradually established a multi-level old-age insurance system.
The basic old-age insurance system combining social pooling with individual accounts is a new type of basic old-age insurance system initiated by China in the world. This system adopts the traditional mode of raising the basic old-age insurance fund, that is, the state, units and individuals share the burden; The basic old-age insurance fund implements social mutual assistance; In the calculation and payment of basic pension, the structural calculation and payment method is adopted, emphasizing the incentive factors and labor contribution differences of individual account pension.
Therefore, this system not only absorbs the advantages of the traditional old-age insurance system, but also draws lessons from the advantages of the individual account model; It not only embodies the characteristics of social mutual aid, risk dispersion and strong supportability of social insurance in the traditional sense, but also emphasizes the self-protection consciousness and incentive mechanism of employees.