China has now established a relatively complete social insurance system. At present, social insurance funds actually include pension funds, medical insurance funds, industrial injury insurance funds and unemployment insurance funds, which are independent of each other and do not affect each other. Related insurance benefits are also independent and do not affect each other.
Before the implementation of the insurance system, China has established a retirement system since the founding of the People's Republic of China. At that time, the retirement system required continuous service. Once unemployed, to be honest, the continuous length of service should be calculated from re-employment. Therefore, the old people at that time were very afraid of unemployment.
Later, with the emergence of the tide of unemployment and laid-off in the 1990s, there were also some policy differences. At that time, a re-employment service center was established to accommodate laid-off workers, and the state would pay social security to those who entered the re-employment service center. Those who have not achieved employment after entering the re-employment service center for three years may receive unemployment insurance benefits according to the regulations. The longest collection time is two years.
At that time, receiving unemployment insurance benefits was not allowed to participate in flexible employment pension insurance. I remember the reason at that time was that to participate in flexible employment pension insurance, you need to declare that you are already in a flexible employment state, indicating that you have a stable income, so you are not unemployed. The Social Insurance Law does not stipulate that unemployed people can participate in old-age insurance, but stipulates that flexible employees can participate in old-age insurance.
Therefore, natural pension benefits will be lower, because it affects the payment of pension insurance for up to two years. Generally, the annual payment will increase by 50~ 100 yuan.
But there are still some misunderstandings. Some people who don't understand our social security policy think that unemployment insurance is also a social security fund, and the social security benefits that individuals receive are limited. If they get it earlier, they will get less in their old age.
Some people think that their pensions are accumulated by paying social insurance premiums. If you receive social security benefits when you are young, you can accumulate less money.
These ideas are all wrong.
The statistical bulletin on the development of human resources and social security shows that the income of the unemployment insurance fund is 654.38+46 billion yuan, the fund expenditure is 654.38+50 million yuan, and the accumulated balance of the unemployment insurance fund at the end of the year is 336.543+30 billion yuan. In 20021year, the number of people participating in unemployment insurance nationwide was 229.58 million, and the number of people receiving unemployment insurance benefits nationwide was 2.59 million at the end of the year.
What about endowment insurance? In fact, the number of people, income and expenditure and unemployment insurance are very different. China's endowment insurance includes basic endowment insurance for employees and endowment insurance for urban and rural residents. Among them, the number of employees participating in basic old-age insurance is 480.74 million, and the number of urban and rural residents participating in old-age insurance is 547.97 million, and the total number of participants exceeds 1 100 million.
The total income of the basic old-age insurance fund for urban workers is 6,045.5 billion yuan, and the fund expenditure is 5,648/kloc-0.0 billion yuan. Relatively speaking, the income of the unemployment insurance fund of more than 654.38 billion really has no great influence.
Pensions are mainly divided into two parts, basic pensions and personal account pensions (a few people will have transitional pensions, mainly because they work earlier).
In fact, the basic pension is related to three factors: the last year of retirement, the average social wage, my average contribution index, and the payment period.
The payment index is actually the ratio of the payment base of that year to the social wage of that year.
Personal account pension is equal to the balance of personal account of endowment insurance divided by the number of months determined by retirement age.
According to the provisions of the Social Insurance Law, the only condition for the withdrawal of individual accounts for endowment insurance is: after the insured retires or dies.
Therefore, there is no content about unemployment benefits in the pension calculation formula, so there is no need to worry that receiving unemployment benefits will affect our pension benefits.
Now that you are unemployed, you can pay the pension insurance for flexible employees while receiving unemployment benefits, without affecting the pension benefits.