The "Notice on Standardizing the Provincial Coordination System of Basic Pension Insurance for Enterprise Employees" stipulates that by the end of 2020, all provinces must achieve unified policy as the basis, provincial unified collection and expenditure of funds as the core, fund budget management as the constraint, and information
Provincial level coordination based on system and handling management and guaranteed by fund supervision.
The provincial level coordination of basic pension insurance premiums for enterprise employees should follow the following principles: first, act according to one's ability and gradually improve the level of social coordination; second, the state, enterprises, and individuals should reasonably bear the burden and gradually reduce the burden on enterprises; third, implement the implementation of provincial, municipal, and provincial policies.
The county level is responsible for disbursing basic pensions in full and on time to enterprise retirees within their jurisdiction.
Based on the above principles, the province's provincial co-ordination goal is to establish a provincial adjustment mechanism for basic pension insurance funds from January 1999, and basically achieve a unified basic pension insurance fund by 2000.
1. How to fill in the insurance category in the social insurance payment status table. The social insurance payment status table should fill in the insurance category according to the actual situation. The categories of social security include: 1. Pension insurance Pension insurance is the amount of insurance that workers will receive after they retire at the legal retirement age.
A social insurance system in which the government and society receive certain financial compensation, material assistance and services.
State-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises and other urban enterprises and their employees, public institutions that implement enterprise management and their employees must participate in basic pension insurance.
The unit payment rate for new participating units (referring to various types of enterprises) is determined to be 10%, and the individual payment rate is determined to be 8%. Individual industrial and commercial households and their employees, flexible employment personnel and other types of personnel participating in the insurance in the form of individuals
, differential rates are implemented based on the payment period.
For individual workers who participate in basic pension insurance, the payment base can be high or low within the prescribed range. The more you pay, the more you will benefit.
To receive monthly pensions, employees must have reached the legal retirement age and have gone through retirement procedures; their units and individuals have participated in pension insurance in accordance with the law and fulfilled their payment obligations; and individual contributions have been made for at least 15 years.
2. Medical Insurance The basic medical insurance system for urban employees is a social security system established based on the affordability of finance, enterprises and individuals to protect the basic medical needs of employees.
All employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc.), agencies, public institutions, social groups, private non-enterprise units and their employees, must participate in basic medical insurance, basic medical insurance for urban employees
The fund consists of the basic medical insurance social pooling fund and personal accounts.
Basic medical insurance premiums are composed of the employer's and employee's personal accounts.
Basic medical insurance premiums are paid jointly by the employer and individual employees, of which: the employer pays 8% and the individual pays 2%.
Part of the medical insurance premiums paid by the employer is used to establish a basic medical insurance social pooling fund. This part of the fund is mainly used to pay for insured employees' hospitalization and special chronic disease outpatient services and rescue and first aid.
The funds in the personal account are mainly used to pay the insured's medical expenses and drug purchases at designated medical institutions and designated retail pharmacies. If the funds in the personal account are used up or are insufficient, the insured will pay in cash personally, and the personal account can be carried forward for use.
and legal inheritance.
Insured employees who are hospitalized due to illness will first pay the hospitalization threshold out of pocket, and then enter the overall fund and employee personal payment section.
3. Work-related injury insurance Work-related injury insurance is also called occupational injury insurance.
After a worker is accidentally injured due to work reasons or in the process of work, or an occupational disease is caused by exposure to occupational hazards such as dust, radiation, toxic substances, etc., the state and society shall provide necessary provision to the injured, disabled, and dependent relatives of the deceased.
Material help.
Work-related injury insurance premiums are paid by the employer. For industries with a high incidence of work-related injury accidents, the collection rate of work-related injury insurance premiums is higher than the general standard. On the one hand, it is to ensure that when employees in these industries suffer work-related injuries, the work-related injury insurance fund can fully pay for work-related injuries.
Work-related injury insurance benefits for employees; on the other hand, through high-rate collection, companies will be aware of risks and strengthen work-related injury prevention work to reduce the casualty accident rate.
4. Unemployment insurance Unemployment insurance is a system mandated by the state through legislation, with funds centrally established by society to provide material assistance to workers whose sources of livelihood are temporarily interrupted due to unemployment.
5. Maternity insurance Maternity insurance is based on the physiological characteristics of childbirth. According to legal provisions, when working women temporarily interrupt their work and lose their normal source of income due to childbirth, the state or society provides material assistance.
Maternity insurance benefits include maternity allowances and maternity medical services.