1. What's the difference between social security fund and pension?
The differences between social security funds and pensions are as follows:
(A), the concept is different
1. Retirement pension is a monthly or lump-sum insurance benefit paid by the state in monetary form according to the provisions of the social insurance system, after workers are old or lose their ability to work, according to their contribution to society and their eligibility for old-age insurance or retirement conditions. It is mainly used to protect the basic needs of employees after retirement.
2. The full name of endowment insurance is social basic endowment insurance, which is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.
(B), different funding channels
1. Pensions are generally paid by the state finance or local finance, and the retirement benefits of retirees (such as civil servants and institutions, excluding enterprises managed by institutions) who have not participated in social pooling of endowment insurance are called pensions or retirement living expenses.
2 pensions are paid by social insurance funds, and the retirement benefits of retirees who participate in social pooling of pension insurance are collectively referred to as pensions.
(3) Different payment methods
1. Retirement pensions are provided by individuals or enterprises and can be enjoyed without the beneficiary's payment.
2. Social endowment insurance premiums are generally withheld by the insured units, part of which is turned over to the state and part of which is deposited in personal accounts. The payment standard of social endowment insurance often follows a unified payment standard.
(4) Different collection methods
1. According to the payment method of pension, it can be divided into one-time payment and installment payment. The former refers to the one-time payment of pension after retirement, and the enterprise has no obligation to pay after retirement. The latter refers to the payment of pensions by stages from retirement to death, such as monthly or annual payment of pensions.
2. The social endowment insurance fund shall be uniformly distributed by government agencies and institutions. In terms of receiving pensions, every member of society has unified rules for receiving pensions. Take people who joined the work after Chongqing 1996 as an example, their basic pension is equal to basic pension and personal account pension. The basic pension is social pooling, that is, part 18% paid by the unit is remitted to the social pension pool; Personal account pension is the accumulation of 8% of the individual contribution. The pension it provides is often the most basic guarantee and can only solve the most basic problem of food and clothing.
Second, what are the consequences of pension insurance fraud?
In order to protect the legitimate rights and interests of the insurer and prevent insurance fraud, the Insurance Law prohibits the insured, the insured and the beneficiary from committing insurance fraud. The applicant, the insured and the beneficiary who commit insurance fraud shall bear the following legal consequences:
1, the insured and the beneficiary in the absence of an insured accident. If the insurer falsely claims that an insurance accident has occurred, the insurer has the right to terminate the insurance contract and terminate the insurance contract relationship without returning the insurance premium.
2. If the applicant, the insured or the beneficiary intentionally creates an insured accident, the insurer has the right to terminate the insurance contract, and will not be liable for compensation or payment of the insurance premium, and will not refund the insurance premium unless otherwise provided by law.
3. After the occurrence of an insured accident, if the applicant, the insured or the beneficiary forged or altered relevant certificates, materials or other evidence, lied about the cause of the accident and exaggerated the degree of loss, the insurer shall not be liable for compensation or payment of insurance benefits for the lied part.
If the applicant, the insured or the beneficiary commits insurance fraud, causing the insurer to pay the insurance premium or expenses, it shall return or compensate.
3. What are the illegal acts of defrauding pensions?
There are various forms of defrauding social insurance. The main reason for defrauding social insurance benefits is that individuals do not meet the conditions for enjoying social insurance benefits and resort to fraud, forgery of certification materials or other means to defraud social insurance benefits. Among them, the behavior of defrauding the old-age insurance money is mainly manifested in forging identity certificates or fraudulently using other people's identity certificates, forging and fabricating the file age and special work years of early retirement, forging and fabricating personnel files to increase the deemed payment period, forging and fabricating labor relations, wage statements and other supporting materials to pay the old-age insurance premium, and forging and fabricating supporting documents to receive old-age insurance benefits.
Social insurance law
Fifteenth basic pension consists of overall pension and individual account pension.
The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.
Fourth, the means of social security fraud.
Social security fraud is nothing new, but there are still many people who are negligent in prevention and have been deceived repeatedly. To this end, the police sorted out all kinds of social security fraud cases and summarized four most commonly used social security fraud methods to remind the masses to pay attention to screening and strengthen prevention.
One is to send short messages in the name of receiving social security subsidies, to induce insured persons or retirees to call "social security institutions" for telephone consultation, and then to trick ID numbers and bank accounts into committing fraud.
Second, in the name of freezing the arrears of social security cards (or medical insurance cards), it is required to provide personal information and other related contents to induce insured persons to use ATM machines to transfer money and remit money to commit fraud.
The third is to pretend to be the staff of social security institutions, in the name of "preferential" policies, to defraud insurance by telephone and transfer money to banks for fraud.
Fourth, in the name of social security institutions, issued forged false documents to insured units and individuals. In the name of changing the social security fund account, the insured units and individuals are required to pay social security fees in advance, and the funds are directly transferred to a bank account for fraud.
Therefore, combined with the full-text narration, we can know that the difference between social security fund and pension begins with different concepts and ends with different collection methods. There are four contents that are indispensable. Therefore, residents must distinguish between pension and social security payment, so as not to cause unnecessary losses and even affect residents' lives.