The money paid by the company in social security will not be returned to the personal account in the future.
Social insurance refers to a non-profit social security system with income redistribution function, which is used by the state to prevent and force most social members to participate.
Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.
The process for the company to pay social security is as follows:
1. First create an enterprise social security account, generally in the labor and social security department of the jurisdiction where the enterprise is located. After the enterprise successfully goes through the registration formalities, the social security business declared within 15 of the current month belongs to the payment record of the current month, and it belongs to the payment record of the next month after 15; Social security agencies collect social security fees from the 20th of each month to the end of the month;
2. Transfer the social security relationship of employees who have participated in social security before to the social security account of this enterprise;
3. Print the payment details in social security in the first month of social security payment;
4. Handle the social security withholding formalities entrusted by the same city;
5. In the future, you only need to submit the increase or decrease table of insured persons to social security every month.
Article 57 of the Social Insurance Law of People's Republic of China (PRC) * * * The employing unit shall, within 30 days from the date of establishment, apply to the local social insurance agency for social insurance registration with the business license, registration certificate or unit seal.
The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.
Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration.
The market supervision and management department, the civil affairs department and the organization management organ shall promptly inform the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly inform the social insurance agency of the birth, death, household registration, migration and cancellation of the individual.
What do pension pooling accounts and personal accounts mean?
I. Personal accounts are used for:
Outpatient and emergency medical expenses;
The cost of purchasing drugs at designated retail pharmacies;
Medical expenses below the Qifubiaozhun of the basic medical insurance pooling fund;
Medical expenses that exceed the qifubiaozhun of the basic medical insurance pooling fund and should be borne by individuals in proportion.
Second, the overall proportion:
Hospitalization medical expenses;
Emergency rescue observation and income hospitalization, medical expenses within 7 days before hospitalization observation;
Outpatient medical expenses of taking anti-rejection drugs after radiotherapy and chemotherapy, renal dialysis and renal transplantation for malignant tumors.
Three, in social security, the unit payment part and the individual payment part are separated. The unit payment enters the overall account, and the individual payment enters the personal account. For example, the pension insurance unit pays 20% of the employee's salary and enters the personal account. And part of the unit contribution in medical insurance will be included in the employee's personal account.
The money in the personal account belongs to the individual. In the old-age insurance, if an employee dies before retirement age, the personal account of the old-age insurance will be returned to the beneficiary. The money in the personal account of medical insurance is for personal use, which can pay the outpatient expenses, the part paid by the individual according to the social security medical regulations, and buy medicines. The total account is * * *.
Extended data:
The international equivalent English term is "pooling", which is the concept of fund risk pool. Therefore, the overall level of social insurance can be understood not only from the administrative level, but also from the adjustment range of the coverage population.
Personal account: corresponding to social pooling. Personal account mode means that all the collected endowment insurance premiums will be put into personal accounts. When workers enter old age, lose their ability to work or quit the labor market, they will receive their own pensions according to the accumulated amount in personal accounts.
This model has a certain incentive effect on workers, but it does not reflect the "law of large numbers", has no function of mutual assistance and risk sharing, and has great pressure on capital preservation and appreciation. In specific institutional arrangements, this model is always associated with the completely accumulated financial model.
References:
Social security pooling account _ Baidu Encyclopedia? Personal Account _ Baidu Encyclopedia
The payment part of the social security card company directly enters the national social security pooling fund account, so does this money still belong to you?
1. The money paid by the company belongs to the endowment insurance fund.
2. When you retire in the future, you will calculate the basic pension according to your own contribution salary, and the basic pension will be paid in the overall planning.
3. From June 5438+1 October1in 2006, the company's contribution cannot be credited to personal accounts in all regions of the country. Prior to this, the part paid by the company was included in the personal account according to 3% of the payment base.
4. There is a difference in the payment ratio between individuals and affiliated companies. Individuals pay 20% of the payment base, of which 8% is included in the personal account; The affiliated company has to pay 28%, and the personal account is still 8%. It will be the same for calculating pensions in the future.
Extended data:
calculate
Calculation method
Generally, my salary income in the previous year is the base of payment.
If the wage income of employees is higher than 300% of the local average wage of employees in the previous year, 300% of the local average wage of employees in the previous year shall be the payment base;
If the wage income of employees is lower than 60% of the local average wage of employees in the previous year, 60% of the local average wage of employees in the previous year shall be the base of payment;
If the employee's salary is between 300% and 60%, declare it according to the facts. When it is impossible to determine the wage income of employees, the payment base shall be determined according to the local average wage of employees in the previous year published by the local labor administrative department.
Social security will regularly check the base every year and declare a new base according to the average monthly salary of employees in the previous year. It is necessary to prepare proof of these payroll.
Cardinal query
Social security will regularly check the social security base every year and release the latest minimum base and maximum base. Generally speaking, enterprises help employees pay the minimum social security. Of course, some companies will pay social security for their employees according to the average salary of the previous year.
You can check the latest social security base with the local social security bureau according to the latest release time. In addition, you can also query the national social security base through third-party software.
Baidu encyclopedia-social security payment base
Is the endowment insurance paid by the unit included in the personal account?
The endowment insurance premium paid by the unit is not credited to the personal account.
The pension paid by the unit is not credited to the individual account, but to the overall account. Only a part of individual contributions goes into individual accounts, and the part paid by the unit goes into the overall fund. Company units shall pay the basic old-age insurance premium according to the proportion of employees' wages stipulated by the state and bring it into the basic old-age insurance pooling fund.
Employees shall pay the basic old-age insurance premium in accordance with the proportion of individual wages stipulated by the state and include it in individual accounts. Unemployed individual operators and other personnel who participate in the basic old-age insurance shall pay the basic old-age insurance premium in accordance with the provisions of the state, which shall be included in the basic old-age insurance pooling fund and individual account respectively. The above is whether the pension paid by the unit is included in the personal account.
The difference between overall account and individual account.
1, with different definitions: pooling account refers to the fund pooling of various social insurance projects. Personal account is to record the part paid by social security payers and the expenses allocated from the part paid by enterprises, as well as the interest of these two parts.
2. The main purpose is different: the money in the overall account belongs to the individual. Personal account is the main basis for social security payers to receive personal account-related wages when they go through retirement procedures, cross-category migration, surrender before retirement, live abroad or die before retirement, and terminate the basic pension association.
3. Different methods of use: the overall account is to pay pensions, funeral subsidies and consolation money to their survivors on a monthly basis, and personal accounts can be withdrawn after retirement.
Is the balance of the pension account paid by yourself?
1. Is the balance of the pension account paid by yourself?
The balance of endowment insurance refers to the part paid by individuals. The part paid by the unit enters the overall account, and the individual can't find it or take it out.
The balance of endowment insurance refers to the payment included in personal account and the interest generated according to the bookkeeping interest rate of personal account announced by the state, both of which are included in personal account, which is called the balance of personal account of endowment insurance.
Personal account balance is the part paid by individuals and three points paid by the company, * * * is 1 1%, which is included in personal account balance.
Second, personal accounts and overall accounts.
1, different concepts.
Overall account refers to the funds of various social insurance projects; Personal account is used to record the part paid by the insured and the part transferred from the unit, as well as the interest of the above two parts.
2. Different functions
The role of the overall account: the money in the overall account belongs to individuals. For example, in old-age insurance, if an employee dies before retirement age, the personal account of old-age insurance will be returned to the beneficiary, and the money in the personal account of medical insurance will be used by the individual, who can pay for outpatient service, and the part paid by the individual according to the social security medical regulations will be used to buy medicines.
The function of personal account: it is the main basis for the insured to receive the relevant treatment of personal account when going through retirement procedures, transferring across the overall scope, surrendering insurance before retirement, leaving the country to settle down before retirement or terminating the basic pension relationship after death.
3, the use of different ways
Employee pension insurance personal accounts can be used for personal consumption after retirement, and the overall account is used for monthly pension and funeral subsidies and pensions for the survivors of the insured after death.
3. Can the money in the personal account of endowment insurance be withdrawn?
Under certain conditions, pension insurance can be withdrawn.
Endowment insurance is the guarantee of future pension, and it can't be taken out casually. However, in the case of the termination of the pension insurance relationship, the individual contributions of the pension insurance can be "withdrawn", but the relevant conditions need to be met, as follows:
The first type: the insured who loses People's Republic of China (PRC) nationality applies in writing to terminate the pension insurance relationship.
The second type: Foreigners, employees who have obtained permanent residency abroad, and employees from Taiwan, Hong Kong and Macao who come to Shanghai to terminate or terminate their labor relations with employers in this city can apply for termination of the pension insurance relationship.
The third type: if an individual who participates in the basic old-age insurance for employees in this city reaches the statutory retirement age and the accumulated payment is less than 15 years, and has not been transferred to the old-age insurance for urban and rural residents, the individual may apply in writing to terminate the basic old-age insurance relationship for employees.
Fourth, after the death of the person who participates in the basic old-age insurance, the balance of the personal account of the basic old-age insurance can be inherited according to law.