"Having a place to take care of and have someone to rely on when you are old" is the greatest hope of our people in the twilight period of their lives.
Nowadays, we all know that with the development of global information, many young men in rural areas can see how big the difference is between our urban and rural areas, so they all hope to go out and have a try when they are young. This has also led to the development of rural areas in our country.
The number of left-behind elderly people has increased.
In order to alleviate this problem, my country has launched social pension insurance.
So what are the sources and characteristics of the pension insurance funds in social pension insurance?
My parents are old, how can I buy insurance?
I just compiled relevant content, I hope it will be helpful to you: When buying insurance for your parents and the elderly, you must avoid these pitfalls!
An article about the sources and characteristics of pension insurance funds. Pension insurance includes social pension insurance and commercial pension insurance. Social pension insurance also includes employee pension insurance, urban and rural residents’ pension insurance, etc.
The endowment insurance promoted by the state is to protect the basic life of the elderly in our country in their later years.
So, where do the funds for social pension insurance come from?
What are its characteristics?
1. Sources of social pension insurance funds The sources of social pension insurance funds mainly come from eight aspects: income from labor contract employee fund transfers; income from fund value preservation and appreciation; late payment fees charged in accordance with regulations; supplementary pension insurance premiums paid by the unit for employees
; Basic pension insurance premiums paid by the unit and employees; personal savings pension insurance premiums voluntarily paid by employees; interest on fund deposits; subsidies provided by the finance; and other income.
2. Characteristics of social pension insurance funds Social pension insurance funds are mainly social, mutual-aid and savings-type.
sociality.
The social nature of the social pension insurance fund can be seen from its literal meaning. It protects all members of society, and it has certain aspects in the management process, fund collection, payment and operation of fund assets.
reflect.
Pension insurance is a social policy that promotes social and economic development and social stability.
Mutuality.
The financing and payment of social pension insurance funds are all through social coordination to achieve the purpose of social mutual assistance and reduce the pension risks of the majority of workers.
Mainly reflected in: the fund operation income of social pension insurance is all included in the fund and exempted from tax collection, and belongs to all insured persons; fund raising is jointly borne by individuals, employers and the state, and part of it is set aside as social
Pooling fund; after the death of the insured person, in addition to the part of the deposit paid by the insured person himself, the uncollected portion or savings amount of other personal accounts will be included in the social pooling fund.
Storage.
A large part of social pension insurance funds are pre-deposited through personal accounts to prepare funds for future pension insurance payments, especially accumulation funds.
Social pension insurance guarantees our basic life in our old age. It is a special fund reserved for the pension insurance industry.
At present, there are problems such as unbalanced development of my country's pension insurance funds, and the pension insurance system still needs to be improved.