Old-age insurance, also known as retirement pension and retirement pension, is one of the most important social development pension benefits, that is, the relevant state documents stipulate that after an employee is old or widowed, according to his contribution to social development and his qualifications or retirement conditions for enjoying social old-age insurance, it is necessary to benefit the society and is suitable for guaranteeing the minimum living guarantee for employees after retirement. Endowment insurance is accumulated and operated in accordance with the principle of common accumulation by the state, organizations and individuals. When we are in high spirits, we will put part of the created value into the pension plan to ensure a sense of security for the elderly.

After the Ministry of Social Security of the Human Resources Bureau announced the Notice on Further Doing a Good Job in Repeated Application for Pensions, the number of receiving and checking old-age insurance benefits has been strengthened throughout the country, which can effectively prevent illegal receiving of old-age insurance benefits and protect the legitimate rights and interests of the insured. Some provinces encourage people to report insurance fraud and get a lot of bonuses. Take Sichuan Province as an example.

According to the Measures for Rewarding Supervision and Reporting of Social Insurance Funds in Sichuan Province, the highest reward for reporting insurance fraud is 65,438+10,000 yuan. After the financial audit of endowment insurance is fully implemented, there are four kinds of actors that should be concerned. After receiving the old-age insurance money, not only can it not be returned, but in more serious cases, it will be jailed.

One is to falsify identity information to defraud the adoption of old insurance money. Before the implementation of the Social Insurance Law, the supplementary payment of endowment insurance was established nationwide, which met the corresponding requirements. Pay the insurance premium once 15 years and you can get the pension. This was originally a welfare policy, but it has become a means for many people to seek illegitimate interests. Many people take advantage of loopholes in the system, pretending to be labor relations and personnel relations according to interpersonal relationships, and defrauding China's pension insurance. Some people immediately forged identity information and handled fake identity documents.

In the past, the development trend of technology was relatively backward, and the information circulation was slow, so it was impossible to find out the illegal endowment insurance. But now, every year, the professional qualification certification of endowment insurance needs facial recognition. Once an abnormal phenomenon is found, the social security agency will check it in time. Once all illegal behaviors of receiving old-age insurance benefits are found, the basic old-age insurance benefits will be suspended and all falsely reported old-age insurance benefits will be returned. If the circumstances are serious, criminal punishment will be imposed. Jiangxi Political and Legal Department reported a case in which a Poyang man used other people's information to collect identity documents to defraud the adoption pension insurance benefits1.20,000 yuan! He was sentenced to three years in prison, suspended for four years, and fined more than 30 thousand yuan.

Second, pretending to be the main members of the deceased's family to receive old-age insurance. There are nearly 300 million retired workers in China, so the social security agencies can't keep up with the trend of students' survival and development in time. In order to prevent survivors from receiving pension insurance in an unreal way, social security institutions should also pay attention to these aspects. On the one hand, only survivors who retire within the specified time can receive funeral subsidies, and according to positive incentives, they are urged to immediately cancel their accounts for the deceased elderly. On the other hand, retired workers are required to obtain endowment insurance qualification certificates within a specified time. However, it is still forbidden for survivors to ask for pensions by deception. Hainan Provincial Social Security Center reported six illegal cases in which Mr. Qiao defrauded the personal account of pension insurance and basic medical insurance of 256,443.44 yuan after his father died.

Third, forge the age of early pension insurance. At present, the normal legal retirement age of China's endowment insurance is 60 for men, 50 for women and 55 for cadres in party member. The retirement age of men and women who pay the basic old-age insurance for urban and rural residents is 60 years old. Because personal social security benefits for a long time, many people cheat. In order to enjoy the pension treatment early, they forged identity information and "age".

Fourth, cross-system software repeatedly receives various pension insurance benefits, that is, employees' pensions and urban and rural residents' pensions are received at the same time. In this case, if the connection between urban and rural residents' basic old-age insurance must be stopped and terminated, the pension for urban and rural residents' old-age insurance should be returned. If it is not returned, it can be deducted from the medical insurance account of urban and rural residents' basic endowment insurance or the pension balance of urban endowment insurance.