A: Social insurance is a social security system established by the state through legislation. Its purpose is to enable workers to get necessary material help from society when they lose their ability to work due to illness, old age, death, injury and disability, and when their families lose their income. Article 2 of the Social Insurance Law stipulates that the state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. In order to protect citizens' right to get material help from the state and society in accordance with the law in old age, illness, work injury, unemployment and childbirth.

Commercial insurance is based on insurance contracts and operated by professional for-profit insurance companies. Insurance law regulates commercial insurance relations. From the legal point of view, commercial insurance is such a contractual relationship: the applicant pays the insurance premium to the insurer, and the insurer assumes the responsibility of compensation or payment of insurance premium to the applicant according to the conditions agreed in the contract.

(1) There are the following differences between them:

First, the nature of insurance is different. Social insurance is a social security system established by the state to protect the basic needs of workers. In order to realize the national social policy, it is implemented through national legislation. Commercial insurance, on the other hand, is a profit-making commercial insurance.

Second, the insurance objects are different. The object of social insurance is social workers. The insured object of commercial insurance can be people or specific property.

Third, the sources of insurance premiums are different. The premium of social insurance comes from the redistribution of national income, which is shared by the state, units and individuals to form a unified social insurance fund to provide protection for all workers. The premium of commercial insurance is entirely borne by the insured, and the insurer implements the principle of "more investment and more insurance, less investment and less insurance" to the insured.

Fourth, the payment standards are different. Social insurance starts from ensuring the basic life of workers, and mainly determines the payment standard according to the needs of protection, rather than completely depending on the amount of payment. Commercial insurance determines the amount of compensation according to the premium paid by the insured and the degree of losses suffered by the insured.

Fifth, the management system is different. Social insurance is generally managed by a special social insurance institution established by the state. The state uniformly stipulates insurance items, rates and payment standards, and the state does not levy taxes on social insurance funds. Commercial insurance is operated by independent insurance companies, with independent accounting and self-financing. Insurance companies are financial enterprises, and the state levies taxes on their operating income.

(2) There is the following relationship between them:

Commercial insurance and social insurance are both organic components of the social security system. The two complement each other and develop together, which is conducive to enriching the product supply in the insurance market, meeting the diversified security needs of the people and accelerating the improvement of the social security system. Since 1980s, all countries in the world have been reforming the social security system, and a common trend is to establish a multi-pillar social security system. In the aspect of old-age security, social insurance usually provides basic retirement life security, while the security demand above the basic old-age security is met through commercial insurance. Even in the Nordic welfare countries with developed social security, commercial insurance still accounts for more than 30% of the whole security system. In American medical insurance, the medical expenses of commercial health insurance exceed 50% of the total national medical expenses.

2. Q: What is the function of the social insurance system?

A: The functions of the social insurance system mainly include:

First, adjust the interest relationship between employers and employees. As we all know, the differences of interests between employers and employees exist objectively. In the history of capitalist development, the strength of capital and the weakness of workers are caused by the imbalance of interest distribution pattern, and the deterioration of labor-capital relations and even fierce confrontation are the inevitable result of employers' mercenary disregard for the minimum rights and interests of workers. For example, as long as workers are old, sick and injured, they will lose their sources of income and face a crisis of survival. Through the establishment of social insurance system, the employer must bear the legal obligation to pay for workers to participate in various social insurances, and workers can realize their rights and interests by participating in social insurance. In fact, this kind of institutional arrangement takes care of many interests of workers under certain circumstances, which is not only a powerful adjustment to the distribution of interests between employers and employees, but also a powerful adjustment to the relationship between fairness and efficiency of the whole society.

Second, relieve the worries of workers and improve their welfare. No matter what kind of social insurance project, the objective is to relieve the worries of workers, improve the welfare treatment of workers, and ensure workers' pension, medical treatment for diseases, work-related injuries and unemployment. Therefore, the establishment of social insurance system is a direct embodiment of realizing the welfare rights and interests of workers; The development of social insurance system is the development of workers' welfare rights and interests.

Third, maintain social stability and promote social harmony. Because social insurance has effectively relieved the worries of workers, labor relations have changed from confrontation to compromise and cooperation. The sharp opposition between labor and capital relations and the surge of workers' movements in early industrialized countries were solved through the establishment of social insurance system. The harmony and stability of labor relations will inevitably bring about the harmony and stability of the whole social relations. Therefore, the social insurance system directly promotes and maintains the harmonious development of the whole society by digesting the confrontation between labor and capital.

Fourth, promote sustained, healthy and civilized economic and social development. On the one hand, social insurance has solved the contradiction between labor and capital, making both sides have more and more direct interests, and the win-win situation between labor and capital constitutes the basis for the sustained and healthy development of the country's economy and society; On the other hand, social insurance not only protects the welfare rights and interests of workers, but also effectively enhances their sense of security and safety expectations, at the same time, it also safeguards the dignity of workers and promotes the equality between men and women, thus giving a strong traction and impetus to the development of social civilization.

Fifth, promote and maintain social equity in mutual assistance. Social insurance is based on the law of large numbers, that is, under the condition that the employer shares the obligation of payment and the government's financial support, the insured participates together and shares the risks with each other. For example, young people contribute to the elderly, healthy people contribute to the sick, employed people contribute to the unemployed, and safe people contribute to the injured. Anyone who contributes to this system may become the beneficiary of this system. It is this function of mutual assistance that not only eliminates the personal life risks of workers to a great extent, but also guarantees their lives through income compensation for the insured, promoting and realizing social equity. The compulsory feature of social insurance system effectively avoids the adverse selection of employers and workers, and ensures the fair rights and interests of the objects covered by this system.

In addition, because the social insurance system is linked to income, the payment of employers and workers is linked to wages, and benefits such as pensions are also linked to workers' wages, it has a strong income redistribution function between employers and workers, between workers and even among all citizens.

3. Q: What principles should be followed in the construction of social insurance system?

A: The system construction should follow the following basic principles:

1. Mandatory principle. Since the emergence of social insurance, social insurance systems in various countries have been established and implemented through legislation, which is mainly based on their institutional characteristics and the need for interest coordination. The social insurance system in all countries is implemented by administrative and judicial power under the condition of legislative norms. Employers and workers within the coverage, as well as the government, must bear their own obligations according to law, and employers and workers cannot freely choose whether to participate in insurance and how much to pay. This compulsion ensures the fairness and mutual assistance of the social insurance system.

2. The principle of fairness. Social insurance in all countries is an important institutional arrangement to safeguard the rights and interests of workers and realize the rational allocation of labor and capital interests and national welfare. It protects people's fairness in the development process, because it covers all workers and benefits their families. Therefore, in the social insurance system, it is emphasized to break all kinds of identity restrictions, treat every worker fairly, and ensure that they realize their corresponding social insurance rights and interests. However, the construction process of social insurance system in various countries is actually a gradual development process from unfair to fair, usually starting from industrial workers and then gradually covering farmers and freelancers.

3. The principle of responsibility sharing. Social insurance system emphasizes responsibility sharing. Employers and employees share the obligation of payment, and the government participates in sharing certain responsibilities, which is the common rule of social insurance systems in various countries. In most countries or regions where social insurance system has been established, employers and employees usually share 50% of the payment responsibility. In the social insurance system, the government actually bears the responsibilities of financial support, administrative supervision and public service. Among them, the financial responsibility of the government includes two aspects. First, as an employer, it undertakes the payment obligation of its staff to participate in social insurance; Second, as a government, it provides management and operation funds in the form of subsidizing social insurance expenditures or sharing social insurance contributions, and assumes the responsibility of benefiting the whole people from public finance. Responsibility sharing is the basic condition for the sustainable development of social insurance system.

4. Combination of rights and obligations. The social insurance system emphasizes the combination of the rights and obligations of the insured. Of course, you can't enjoy social insurance benefits if you don't participate in the insurance, and you can't usually enjoy social insurance benefits if you don't pay, because the social insurance fund is the property of the whole insurer, and you can enjoy the corresponding rights only if you fulfill the corresponding obligations. Adhering to the principle of combining the individual rights and obligations of the insured is an important difference between the contributory social insurance system and the tax-paying national welfare system. It requires a clear correspondence between the payment records of all insured persons and the payment of benefits, which constitutes the essence of social insurance management and handling.

5. The principle of adapting to the level of economic development. Social insurance is a means of income-related redistribution and must be based on the corresponding level of economic development. On the one hand, the higher the degree of industrialization, the greater the demand for social insurance, and the development and change of industrial structure and employment structure and the level of economic development it creates directly affect the construction of social insurance system; On the other hand, the implementation of social insurance system needs corresponding financial support without exception. In the system construction, we should not only consider the objective needs of workers, but also consider the affordability of both employers and employees, and also consider the possible support of the state finance. Of course, at the present stage of our country, it should be that the level of national economic development has increased rapidly for 30 years, but it cannot be solidified at the level of ten years ago, twenty years ago or even at the beginning of reform and opening up. Through social insurance and other related institutional arrangements, gradually transforming economic growth into national welfare should be an important orientation for China's economic and social development and building a harmonious socialist society.

6. The principle of self-contained, self-development and self-balance. Social insurance systems in various countries (as long as they do not evolve into national welfare) are usually self-contained. They are supervised by the competent government departments, and keep a distance from the government finances while receiving financial support from the government. They pursue self-development and self-balance through specialized social insurance institutions. Adhere to the principles of self-system, self-development and self-balance, so as to continuously implement the direct responsibilities shared by employers and employees, and combine the rights and obligations of the insured to maintain the reasonable development of the system and avoid becoming a burden to the government. Of course, because of the influence of the aging population and the need for the elderly to share the fruits of national development, governments in various countries give corresponding subsidies, but this has not changed the essential attributes of the social insurance system, that is, self-integration, self-development and pursuit of self-balance.

4. What is the legislative purpose of the Social Insurance Law?

A: According to Article 1 of the Social Insurance Law, the legislative purpose of the Social Insurance Law is to standardize the social insurance relationship, safeguard the legitimate rights and interests of citizens to participate in social insurance and enjoy social insurance benefits, enable citizens to enjoy the fruits of development and promote social harmony and stability.

5. Q: What types of insurance does the social insurance regulated by the Social Insurance Law include?

A: According to Article 2 of the Social Insurance Law, social insurance includes five types of insurance: basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance.

6. Q: What basic principles should be adhered to in establishing a social insurance system?

A: According to Article 3 of the Social Insurance Law, "the social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development."

7. Q: What rights do employers and individuals who pay social insurance premiums according to law enjoy?

A: According to Article 4 of the Social Insurance Law, "Employers and individuals in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units. "

8. Q: In what ways does the state support the development of social insurance?

A: According to Article 5 of the Social Insurance Law, "People's governments at or above the county level will incorporate social insurance into the national economic and social development plan. The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance. The state supports social insurance through preferential tax policies. "

9. Q: How does the state supervise social insurance funds?

A: According to Article 6 of the Social Insurance Law, "the state exercises strict supervision over social insurance funds. The State Council and the people's governments of provinces, autonomous regions and municipalities directly under the Central Government shall establish and improve the supervision and management system of social insurance funds to ensure the safe and effective operation of social insurance funds. The people's governments at or above the county level take measures to encourage and support all sectors of society to participate in the supervision of social insurance funds. "

10, q: What are the responsibilities of social insurance agencies?

A: According to Article 8 of the Social Insurance Law, "social insurance agencies provide social insurance services and are responsible for social insurance registration, personal rights and interests recording, social insurance benefits payment, etc."

Q: What are the ways to collect social insurance premiums?

A: At present, there are two main ways to collect social insurance premiums in China:

(1) Collection by social insurance agencies. The specific process is as follows: after the insured units and individuals go through the formalities of insurance registration and payment base verification in the social security agency, the two parties sign a payment contract and pay the social insurance premium by entrusting the bank to deduct money or check (draft or cash). Social security institutions shall, in accordance with the provisions, open fund income accounts in commercial banks, store the social insurance funds collected in the current month, and transfer the funds to the financial accounts opened by the financial departments at the same level in commercial banks before the end of the month. At the same time, according to the payment situation, record the basic situation and rights and interests of the insured (that is, the rights and interests record), and make reminders or administrative penalties for units and individuals who cannot pay in full and on time in accordance with the provisions of the Provisional Regulations on the Collection and Payment of Social Insurance Fees.

(2) Collection by tax authorities. The specific process is as follows: every month, according to the payment information of the insured units approved by the social security agency (the payment amount approved by the tax authorities in Hainan, Fujian, Zhejiang and other provinces), the tax authorities will issue a tax bill and send it to the insured units, and the insured units will pay the amount approved by the tax bill in their account-opening banks (in some areas, the payment information will be transmitted to the state treasury, and the enterprise account-opening banks will be entrusted to deduct money through the treasury information processing system), and all the funds collected will enter the state treasury and be transferred to the financial special account before the end of the month. For insured units that cannot pay in full and on time, social security agencies are responsible for settlement in some areas and tax authorities are responsible for some of them. Insured individuals are collected by social security agencies in most areas. After the end of the monthly collection period, social security agencies, tax authorities, commercial banks and the state treasury should reconcile each other, and social security agencies are responsible for recording the rights and interests of the insured.

12, q: what rights do trade unions have in safeguarding employees' social insurance rights and interests?

A: According to Article 9 of the Social Insurance Law, "Trade unions shall safeguard the legitimate rights and interests of employees according to law, and have the right to participate in the research on major social insurance issues, participate in the social insurance supervision committee, and supervise matters related to employees' social insurance rights and interests. "

13, q: what kinds of endowment insurance are there in China?

A: At present, China's endowment insurance is divided into urban employee endowment insurance and rural endowment insurance. The endowment insurance for urban workers consists of enterprise endowment insurance and the retirement system of government agencies and institutions.

14, q: who are the participants in the basic old-age insurance for urban workers? Who will pay for the basic old-age insurance?

Answer: According to Article 10 of the Social Insurance Law, "employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The pension insurance measures for civil servants and staff who are managed according to the Civil Service Law shall be formulated by the State Council. "

15, q: what are the components of the basic old-age insurance fund?

A: According to Article 1 1 of the Social Insurance Law, "the basic old-age insurance is based on the combination of social pooling and individual accounts. The basic endowment insurance fund consists of employer and individual contributions and government subsidies. "

16, q: how should the basic old-age insurance for enterprise employees be paid?

Answer: According to Article 12 of the Social Insurance Law, "the employer shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and personal account respectively. " According to Article 13 of the Social Insurance Law, "Before employees of state-owned enterprises and institutions participate in the basic old-age insurance, the basic old-age insurance premiums that should be paid during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies. "

17, q: can I withdraw my personal account pension in advance? Is it necessary to pay taxes?

Answer: According to Article 14 of the Social Insurance Law, "individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the personal account balance can be inherited. "

18, q: what are the components of the basic pension?

Answer: According to Article 15 1 of the Social Insurance Law, "the basic pension consists of overall pension and individual account pension."

19, q: what factors should be considered in determining the basic pension?

Answer: According to the second paragraph of Article 15 of the Social Insurance Law, "the basic pension is determined according to the accumulated payment years of individuals, payment wages, average wages of local employees, personal account amount, average life expectancy of urban population and other factors."

20. Q: What are the conditions for the insured to receive the basic pension?

Answer: According to Article 16 of the Social Insurance Law, individuals who have participated in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council. "

2 1. Q: What benefits can individuals who participate in the basic old-age insurance get if they are disabled or die due to illness or non-work at the statutory retirement age?

Answer: According to Article 17 of the Social Insurance Law, if an individual who participates in the basic pension dies due to illness or non-work, his survivors can receive funeral subsidies and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance. "

22. Q: Under what circumstances should the basic pension be adjusted in time?

A: According to Article 18 of the Social Insurance Law, "the state establishes a normal adjustment mechanism for basic pensions. According to the average wage increase and price increase of employees, the level of basic old-age insurance benefits will be raised in a timely manner. "

23. Q: How can the basic old-age insurance relationship be transferred and continued when individuals are employed across overall planning areas?

Answer: According to Article 19 of the Social Insurance Law, if an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred accordingly, and the payment period will be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. The specific measures are stipulated by the State Council. "

24. Q: How to establish a social insurance system for rural residents?

A: The new rural social endowment insurance system is implemented in rural areas of China. According to the provisions of Article 20 of the Social Insurance Law, "the state establishes and improves a new rural social endowment insurance system. The new rural social endowment insurance combines individual contributions, collective subsidies and government subsidies. "

25. Q: How does the Social Insurance Law stipulate the rural social endowment insurance benefits?

Answer: According to Article 2 1 of the Social Insurance Law, "the benefits of the new rural social endowment insurance consist of basic pension and personal account pension. Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the new rural social endowment insurance benefits on a monthly basis. "

26. Q: What are the provisions of the Social Insurance Law on the social endowment insurance system for urban residents?

A: According to Article 22 of the Social Insurance Law, "the state establishes and improves the social endowment insurance system for urban residents. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government may combine the social endowment insurance for urban residents and the new rural social endowment insurance according to actual conditions. "

27. Q: How are the standards for units and employees to pay basic old-age insurance stipulated?

Answer: The basic old-age insurance premium mainly includes two parts: the employer's contribution and the employee's individual contribution. According to the relevant regulations of the state and our province, the payment standard of Guangben endowment insurance premium is: the unit pays 20% of the total wages of employees in the previous year; 8% of the average monthly salary of employees in the previous year. If my average monthly salary is lower than 60% of the average monthly salary of employees in the province, 60% of the average monthly salary of employees in the province will be used as the payment base; More than 300% of the average monthly salary of employees in the province, calculated according to 300% of the average monthly salary of employees in the province, the excess is not included in the salary base. The average monthly wage income should be calculated according to the items included in the total wage statistics as stipulated by the National Bureau of Statistics, including wages, bonuses, allowances, subsidies and other income.

28. Q: What is a personal account for basic old-age insurance? How to deal with the personal accounts of insured employees who died before and after retirement?

Answer: The personal account of the basic old-age insurance is a fund personal account established by the old-age insurance agency for each employee participating in the basic old-age insurance according to the social security number and the principle of combining social pooling with personal account. It records in detail the matters related to the payment of old-age insurance premiums by insured employees, and is one of the main basis for calculating and paying pension benefits when retiring. The main functions of personal accounts are:

① Record the basic old-age insurance premium paid by the insured.

② It is the basis for calculating the pension when the insured retires.

③ It is the foundation of the inheritance and transfer of the endowment insurance relationship.

(4) It is used to pay the personal account pension benefits of the insured after retirement.

At present, the personal account size of the basic old-age insurance is 8% of my contribution salary, and the interest is calculated according to the bookkeeping rate announced by the province every year. Personal account information of employees' basic old-age insurance is published or provided by the old-age insurance agency.

If the insured employee dies before retirement, the individual in the amount stored in the personal account:

Pay part of the principal and interest in one lump sum to its legal heir or designated beneficiary; If the insured employee dies after retirement, in addition to the paid part, the remaining individuals will pay part of the principal and interest in one lump sum to their legal heirs or designated beneficiaries.

29. Q: How long is the payment term? What is the converted length of service?

Answer: The payment period refers to the period when employees pay the endowment insurance premium, including the deemed payment period and the actual payment period of individuals. The deemed payment period refers to the continuous length of service calculated by the state before the actual payment period of employees; The actual payment period of an individual is the period in which employees pay the basic old-age insurance premium in full according to the regulations after participating in the basic old-age insurance.

Before the implementation of individual payment of old-age insurance premiums, the working years of the original fixed employees engaged in special types of work determined by the state can be converted into length of service and deemed payment period, and the deemed payment period increased after conversion shall not exceed 5 years. The underground and high-temperature operation time is calculated according to one year and three months each year; The time spent in other jobs harmful to health shall be counted as one year and six months each year.

30. Q: How do urban individual industrial and commercial households and flexible employees participate in endowment insurance?

Answer: To participate in the basic old-age insurance, flexible employees need to bring relevant materials to the old-age insurance agency or social insurance agency for entrustment.

Social insurance agencies in accordance with the provisions to the old-age insurance agencies for the insured to handle the insurance procedures, the old-age insurance agencies in accordance with the provisions of the audit registration, filing number, the issuance of old-age insurance manuals, and from the month I declare for the establishment of basic old-age insurance personal accounts and personal files.

Flexible employees pay the basic old-age insurance premium from the month of declaration, and calculate the payment period.

3 1, Q: How do urban individual industrial and commercial households and flexible employees pay fees?

Answer: Urban individual industrial and commercial households and flexible employees participate in the basic old-age insurance, and the payment ratio is 20% (individual industrial and commercial households with employees, employers pay for employees 12%, and employees themselves pay 8%), of which 8% is included in personal accounts. From June 2009, the payment base was adjusted to 60% or 100% of the average salary of employees in the whole province last year. The payer can choose the payment base according to his own income. After retirement, the basic pension will be calculated and paid according to the unified basic pension plan for enterprise employees in the province.

32. Q: How can the self-employed continue the pension insurance relationship?

Answer: If the employees who have participated in the basic pension and the enterprise apply for a job by themselves after dissolving or terminating the labor relationship, their pension insurance relationship will be retained. I can go directly to the special window of the old-age insurance agency or social security agency to continue the old-age insurance relationship, and the handling personnel will handle the individual payment procedures. The payment standard is 20% of the payment standard for flexible employees.

Self-employed people and those who are unemployed after the expiration of unemployment insurance benefits, as long as they continue to pay fees and reach the statutory retirement age, will enjoy the pension insurance benefits according to the regulations after being examined and approved by the administrative departments of labor security at all levels.

33. Q: Can an individual not pay the basic old-age insurance premium after 0/5 years?

A: The state and the province uniformly stipulate that employees who have paid 15 years can receive the basic pension on a monthly basis after going through the retirement formalities at the legal retirement age, which is the minimum condition for enjoying the basic pension on a monthly basis, rather than paying 15 years without paying. Employees who have not reached the statutory retirement age after the payment period 15 will continue to pay according to the regulations. If you don't continue to pay, the pension benefits after retirement will be affected for life. Other things being equal, the longer the payment time, the higher the pension benefits, and vice versa.

Q: What are the conditions for receiving a basic pension on a monthly basis?

Answer: To receive a basic pension on a monthly basis, three conditions must be met: First, you have reached retirement age and gone through retirement procedures; Second, I participated in endowment insurance according to law and fulfilled my obligation to pay endowment insurance; Third, the individual pays at least 15 years.

35. Q: How to calculate the basic pension for employees of enterprises in Shanxi Province after retirement?

A: According to the Implementation Opinions of Shanxi Provincial Government on Implementing the State Council's Decision on Perfecting the Basic Old-age Insurance for Enterprise Employees (J [2006] No.32), since 2006 1 October1day, enterprise employees have implemented a new calculation method after retirement.

1 65438, the insured who joined the work after July, 1998, that is, "newcomers", accumulated payment years (including deemed payment years, the same below) 15, basic pension will be paid monthly after retirement. Their basic pension consists of basic pension and personal account pension, and the level of basic pension benefits is directly linked to the length of payment period, the level of payment base and retirement time. The monthly standard of basic pension at retirement is based on the average monthly salary of employees in the whole province in the previous year and the average monthly salary of myself, and the payment is paid to 1% every year. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months of calculation and payment, and the number of months of calculation and payment shall be implemented according to the unified provisions of the state.

1 joined the work before June 30, 1998, and retired after June 65438+ 10/2006. The insured persons are "middle people". Because they have accumulated few personal accounts in the past, the accumulated payment period has reached 15 years. After retirement, they will be given transitional pensions on the basis of basic pensions and personal account pensions. I have set up a five-year transition period in our province, and those who retire during the transition period will be implemented according to the new method.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.