According to the provisions of the Notice of Dalian Municipal People's Government on Adjusting the Measures for Calculating and Distributing the Basic Old-age Pension for Employees of Urban Enterprises in this Municipality and the Opinions on Several Issues Concerning the Measures for Calculating and Distributing the Basic Old-age Pension for Employees of Urban Enterprises in this Municipality, the measures for calculating and distributing the basic old-age insurance for employees of urban enterprises in Dalian are as follows:
Basic pension = basic pension, personal account pension and transitional pension:
1, basic pension = (the average monthly salary of employees in the whole city in the previous year when the insured went through the formalities of applying for basic pension? My indexed monthly average payment salary) ÷2×( 1%× payment period);
2, personal account pension = personal account storage amount ÷ calculation month;
3. Transitional pension = recording the amount of "false accounts" and its interest120.
What are the conditions for Dalian citizens to receive pensions?
Individuals who participate in the basic old-age insurance can receive the basic old-age pension on a monthly basis if they have paid 15 years when they reach the statutory retirement age. In other words, employees who participate in endowment insurance must meet two conditions before they can receive pensions: first, they must reach the statutory retirement age; Second, the accumulated endowment insurance premium has reached 15 years.
According to the relevant regulations, the legal retirement age of employees in Chinese enterprises is: 60 years for men, 50 years for women employees and 55 years for women cadres. Engaged in underground, high altitude, high temperature, particularly heavy manual labor or other jobs harmful to health (hereinafter referred to as special jobs), the retirement age is 55 years old for men and 45 years old for women; Disabled due to illness or non-work-related, the retirement age is 55 years old for men and 45 years old for women, which is certified by the hospital and confirmed by the labor appraisal committee.
How to solve the pension fund gap?
With the acceleration of aging in China, the pension crisis is inevitable. China can learn from the experience of developed countries, according to the reality of China, combined with the reform of fiscal, financial and tax systems, formulate and improve the social endowment insurance laws and regulations suitable for China. There must be clear legal provisions on the source of funds, the direction of application, value-added channels, revenue and expenditure procedures, and policy supervision. , standardize the operation behavior, establish a long-term mechanism, and fundamentally solve the gap problem of social pension.
Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.
The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) 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.
In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.
Social insurance is the most important part of the social security system. Therefore, when discussing the history of social insurance, social insurance cannot be separated from social security.
Social insurance refers to the system that the state establishes a social insurance fund through legislation to give necessary material help to workers who participate in labor relations when they lose their ability to work or are unemployed. Social insurance is not for profit.
Legal basis:
People's Republic of China (PRC) social insurance law
Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premium should be paid by the government during the payment period. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.
Fifteenth basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.
Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.
Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.