(A) the endowment insurance fund accumulation is insufficient, and the guarantee ability is weak. First, the accumulation of endowment insurance funds is insufficient. Mainly because it started late, 1985 started.
Second, the source of the fund is single, mainly relying on state-owned enterprises to withhold a certain proportion from the total wages of employees, which is counted as the special account of the overall fund; Individual contributions and the number of people insured by non-state-owned enterprises are very small. After the founding of the People's Republic of China, although the State Council promulgated the "Regulations on Labor Insurance in People's Republic of China (PRC)" in 1954, which stipulated the pension, medical care, work injury and other benefits for enterprise employees, the state has never deducted the employee pension fund from the total social products for accumulation, so this piece has become a huge hole. Today, this gap still exists;
Third, the collection of funds is not in place. Participating units fail to pay in full and on time for various reasons, and the phenomenon of non-payment and refusal to pay is serious, which affects the collection rate of funds payable; Fourth, the coverage is narrow. At present, the overall planning of endowment insurance is mainly state-owned enterprises. After 1997, collective enterprises at or above the county level and foreign-funded and private enterprises will be included in the overall planning, but it is difficult for these participating units to collect funds, and the collection rate is low.
(2) The contribution rate of the insured unit is too high, which is close to or exceeds the tolerance limit of the enterprise. Especially the old state-owned enterprises, because there are many old employees, the pension base is large and the pressure is great. The ratio of employees to retirees in some enterprises is 1: 1 or even greater than1; The high payment rate undoubtedly increases the burden on enterprises.
(C) inefficient capital proliferation. At present, the way of capital proliferation mainly depends on the interest of bank deposits and the purchase of government bonds to achieve capital proliferation. Although this method can ensure the safe operation of the fund, the proliferation rate is extremely low. Especially in recent years, the state has lowered the deposit interest rate many times, which has reduced the rate of capital proliferation and income. Borrowing and investing is risky and endangers the safety of capital operation.
If the pension cannot be paid, there are two possibilities:
First, the original unit didn't cut your staff.
If the old unit doesn't reduce its staff, the new unit can't increase your social security. In this case, you can communicate with the original unit first and ask the HR of the original unit to reduce the number of employees for you. If the unit refuses to go through the formalities of downsizing, it can apply for labor arbitration, and the individual can go to the social security counter on his own with a court judgment or a ruling from the labor department (the judgment or ruling must have provisions to terminate labor relations).
Forms shall be provided:
1, original and photocopy of employee ID card;
2. Description of individual termination of insurance: The individual should explain the company's situation and the individual's willingness to terminate insurance on his own on the copy of ID card, and sign it for confirmation;
3. Proof of dissolution of labor relations (in view of the unit's refusal to handle downsizing): the original and photocopy of the court judgment or ruling of the labor department (the judgment or ruling should have provisions for dissolution of labor relations).
Second, the old-age insurance was in arrears when the original unit paid you social security.
If the old-age insurance owed by the original work unit can't be made up, then you can't join the new work unit.
At this time, I suggest you directly apply for labor inspection to solve such disputes. If the original unit fails to pay social security normally during the labor contract period, the labor inspection department will issue relevant notices, requiring the enterprise unit to pay employees' personal social security benefits within a time limit.
If the enterprise unit fails to pay the overdue payment within the limited time limit, in this case, the labor inspection department will issue a ticket, so the enterprise unit is actually very passive, and the cost he pays will be higher, so the general labor inspection department will pay the overdue payment on time after issuing the relevant notice. When you make up the money, your new company can insure you normally.
legal ground
People's Republic of China (PRC) social insurance law
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Article 58 stipulates that the employer shall apply to the social insurance agency for social insurance registration for employees within 30 days from the date of employment. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.
Article 63 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.