The overall fund adopts the pay-as-you-go system, that is, the money from oral sex of the working-age population provides pensions for retirees; Personal account is to save money for future retirement.
According to the "Interim Measures", the pension insurance relationship will be transferred in a "double transfer" mode, with the individual part fully transferred and the overall part transferred to 12% of the payment base, which is equivalent to 60% of the overall part.
That is, if the monthly payment base of employees is 5000 yuan, the social pooling part paid by the unit is 1 000 yuan, and the individual contribution is 400 yuan. At the time of transfer, 60% of the overall social planning (that is, 600 yuan) and the full amount of 400 yuan in the personal account can be transferred.
Maybe you are also worried about two issues: first, if you transfer 60% of the overall fund, will it affect the future pension benefits, and second, is the transfer procedure simple?
Regarding the first question, Ministry of Human Resources and Social Security (hereinafter referred to as "the Ministry of Human Resources and Social Security") explained that the transfer ratio of 12% finally reached the balance of interests between the outflow place and the inflow place, and would not affect the pension benefits of the insured.
Regarding the second question, the Interim Measures also specifically stipulates that the procedures for enrollment should be simplified. All the insured individuals need to do is to submit a written application for the transfer of the basic old-age insurance relationship to the social security agency in the new insured place, and all other background work is completed by the social security agency in the new and old insured places.
After the insured submits the application, there are three processes to transfer the pension insurance relationship: the new insured place examines the transfer application and sends a consent letter to the original insured place-the original insured place handles the transfer procedures-the new insured place accepts the transfer procedures and funds.
After the completion of the three processes, the transfer and connection procedures can be handled, and the insured can complete all the procedures within 45 working days at most.
For you, what you need to do is two things: First, you need to bring relevant proof materials, including the insured's resident ID card, the certificate of termination of labor relations, and the household registration book, and print the basic old-age insurance payment voucher at the social security agency in the original insured place. The second is to bring all these procedures, fill in the transfer application form, and apply for transfer to the social security agency in the newly insured place.
After that, you don't need to worry about other things, and the social departments of the old and new places will handle the transfer. As long as it is approved, Xiong Wei will receive a notice from the social security department of the newly insured place and complete the transfer within 45 working days.
The audit of social security department is mainly in two aspects. First, whether it meets the provisions of the Interim Measures. For example, men over 50 years old and women over 40 years old cannot go through the transfer procedures; The second is whether there is any arrears in the transfer. After the arrears are paid, the social security department will handle the transfer procedures for the insured.
It is worth noting that the convenience stipulated in the Interim Measures is that when the insured transfers the old-age insurance across provinces, whether it is printing the basic old-age insurance payment voucher or applying to the new insured place, if there is a unit, it can entrust the human resources department of the new and old units to operate, and the insured only needs to fill out a written application.
If you don't understand anything, please refer to the inter-provincial transfer process.
The insured cross-provincial migrant employment, according to the following procedures for the basic old-age insurance transfer procedures:
1. After the insured establishes the old-age insurance relationship in the new employment place and pays the fee according to the regulations, the employer or the insured submits a written application for the transfer and continuation of the old-age insurance relationship to the social security agency in the new employment place.
2. Within 15 working days, the social security agency in the newly insured place will review the application for transfer and continuation, send a consent letter to the social security agency in the place where the insured person's old-age insurance relationship is located, and provide relevant information; Do not meet the transfer conditions, make a written explanation to the applicant or the insured.
3. The social security agency where the endowment insurance relationship is located shall handle all the transfer and connection procedures within 15 working days after receiving the acceptance letter.
4. After receiving the endowment insurance relationship and funds transferred by the social security agency where the original endowment insurance relationship of the insured person is located, the social security agency in the newly insured place shall complete the relevant procedures within 15 working days, and notify the employer or the insured person in time after confirmation.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.