"Five insurances and one gold" ushered in four major changes

Many important changes have taken place in "Five insurances and one gold". These new policies and changes have a beneficial impact on the income and treatment of ordinary people, and at the same time, they also bring benefits to enterprises to reduce their burdens.

1. Both pension benefits have been raised

The basic pension for urban and rural residents has been improved. The Ministry of Human Resources and Social Security and the Ministry of Finance issued a notice to raise the minimum standard of basic pension for urban and rural residents nationwide to 88 yuan per person per month, that is, to increase 18 yuan on the basis of the original 7 yuan per person per month.

This indicates that the normal adjustment mechanism of basic pension for urban and rural residents' old-age insurance has started to operate, benefiting a huge number of people. According to the data of the Ministry of Human Resources and Social Security, there are 512.55 million people participating in urban and rural residential insurance, including 155.98 million people receiving treatment, with a monthly per capita treatment of 125 yuan.

In addition, the upward adjustment of employees' basic pension has entered the landing period. This year, the basic pension level of retirees in enterprises, institutions and institutions will be raised by about 5% as a whole, and all regions should submit specific implementation plans for approval. Shanghai has taken the lead in announcing the specific pension adjustment plan, and demanded that it be paid in place.

2. The plan of the central pension adjustment system was approved

The second meeting of the Central Committee for Comprehensively Deepening Reform adopted the Plan of the Central Pension Adjustment System for Enterprise Employees.

The meeting requested that, on the basis of not increasing the overall social burden and the proportion of endowment insurance contributions, the fund burden between regions should be reasonably balanced through central fund raising, fund allocation, fund management and central financial subsidies, so as to realize the safe and sustainable fund, control the financial burden and ensure the timely and full payment of pensions in various places.

The central adjustment system of the basic endowment insurance fund for enterprise employees is the first step to realize the national overall planning of endowment insurance. This will balance the burden of old-age insurance between regions and adjust the surplus and deficiency. In other words, there is no need to worry about the lack of pensions in some places in the future.

3. The social security premium rate continues to decrease in stages

In provinces (autonomous regions and municipalities) where the unit contribution rate of the basic old-age insurance for enterprise employees exceeds 19%, and in provinces (autonomous regions and municipalities) where the unit contribution rate has decreased to 19%, if the accumulated balance of the fund can be paid for more than 9 months, the unit contribution rate of 19% can be implemented in stages.

provinces (autonomous regions and municipalities) that implement 1% of the total unemployment insurance rate in accordance with the Notice of the Ministry of Human Resources and Social Security and the Ministry of Finance on Reducing the Unemployment Insurance Rate by Stages will extend the period of reducing the unemployment insurance rate by stages.

the unemployment insurance premium is paid by both the employer and the employee. The reduction of the unemployment insurance unit rate will further reduce the burden on enterprises, and at the same time, many areas have lowered the individual payment rate, which will continue to benefit the broad masses of employees.

4. There have been changes in the deposit and withdrawal of housing provident fund

New regulations have been introduced in the deposit and withdrawal of housing provident fund. The Ministry of Housing and Urban-Rural Development and other departments issued the Notice on Improving the Deposit Mechanism of Housing Provident Fund to Further Reduce the Cost of Enterprises. After the expiration of the phased policy of appropriately reducing the deposit ratio of enterprise housing provident fund, the implementation period will continue to be extended. The lower limit of the housing provident fund deposit ratio is 5%, and the upper limit is determined by each region in accordance with the procedures stipulated in the Regulations on the Administration of Housing Provident Fund, and the maximum shall not exceed 12%.

In terms of withdrawal, the Ministry of Housing and Urban-Rural Development and other departments issued the Notice on Handling Illegal Withdrawal of Housing Provident Fund, focusing on supporting the withdrawal of housing provident fund to purchase the first set of ordinary housing and the second set of improved housing at the place of deposit or household registration, and preventing the withdrawal of housing provident fund for real estate speculation. Vigorously promote online audit and business handling, and shorten the audit time limit.

appropriately reducing the proportion of enterprise housing provident fund deposit in stages will help to reduce the burden on enterprises; Governing illegal extraction will help to cut off the "black industrial chain" of fraudulent withdrawal of housing provident fund and safeguard the rights and interests of paid employees according to law; Optimizing the extraction audit process means that it will be more convenient and faster for employees to extract housing provident fund.