How to pay the endowment insurance? If there is a unit, the unit is responsible for withholding the individual part of the insurance, and the unit pays the unit part; If you don't have a unit, you can hand it in yourself. Generally speaking, 8% for individuals and 20% for units. The payment base is my average salary in the previous year. If the average wage in the previous year is lower than the local social wage, the social wage shall be used as the payment base. Article 10 of the Social Insurance Law, employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

Legal subjectivity:

Social security is closely related to everyone's work and life. As the carrier of human resources and social security to serve the people, social security card bears the important mission of recording, managing and serving life. As a member of society, do you really know about social security after paying it every month? "I don't know the true face of Lushan Mountain, but toward which corner of the mountain." Maybe we haven't explored the details of social security yet. In fact, social security is closely related to our life events such as old-age care, medical care, work injury and childbirth. Pension and medical care, as the top priority of social security projects, are also the most concerned. Regarding how to pay the old-age insurance, first of all, the old-age insurance can only be collected after paying 15 years. It should be noted that pension payment can be interrupted, and subsequent payments are still valid. At present, the legal retirement age of enterprise employees in China is: male employees are 60 years old; Female cadres engaged in management and scientific research are 55 years old and female employees are 50 years old. Basic pension consists of basic pension and personal account pension. If the employee reaches the legal retirement age and the individual contribution has reached 15 years, the monthly standard of basic pension is 20% of the average monthly salary of employees in the province (autonomous region or municipality directly under the Central Government) or city (prefecture) in the previous year. Personal account pension is paid by personal account fund, and the monthly payment standard is divided by 120 according to the amount stored in my account. After the individual account fund is used up, it will be paid by the social pooling fund. In fact, as far as the first-tier cities in the north and Guangzhou are concerned, it is not uncommon for many "northern drifters" to leave their jobs due to job changes and other reasons. China Economic Net reporter learned from the website of the national social insurance comprehensive platform (hereinafter referred to as the website of the social insurance comprehensive platform) that there are two ways to pay back the old-age insurance. If some employees fail to pay the basic old-age insurance premium due to the employer's reasons, the employer may submit a written application to the labor and social security department, and submit the proof of labor relationship with the insured during the application period, as well as the wage income certificate. After confirmation, the enterprise and individual employees shall implement the same payment month according to the regulations. At the same time, individuals can also pay their own fees. Pay according to the standards of self-employed or flexible employees. How to get a pension When it comes to pensions, you have to talk about retirement. How to handle retirement procedures is still unclear to many people. Take Beijing as an example. To apply for retirement, one month before reaching the statutory retirement age, you must apply for it yourself (the letter of introduction from the entrusted archiving unit is required for collective archiving), and submit the following materials: (1) archiving voucher and archiving contract. (2) One original and one copy of my account and homepage. (3) One original and one copy of the ID card. (4) the old-age insurance payment voucher. (5) A 2-inch photo. After the audit meets the retirement conditions, I go to the social security department to clear the personal account of the old-age insurance, issue a liquidation sheet, and the file management center calculates the pension according to the liquidation sheet. How do we get a pension? There are two ways to go through the pension collection procedures. First, the employees of the employing unit shall go to the social security agency in the month when they meet the retirement conditions; Second, three months before the social unemployed meet the retirement conditions, they should apply to the district retirement institution where the household registration is located. Taking Beijing as an example, the workflow of endowment insurance for urban and rural residents in Beijing shows that the district and county agencies hand over the electronic information of the pensioners in the current month to the bank before 10 every month and fill in the remittance slip. After that, before 15 every month, the bank will transfer the corresponding funds from the expenditure account of the district and county agencies according to the amount of the remittance slip and transfer them to the special passbook for pensioners. Overpayment 15 years is the minimum period. It is worth noting that the pension in a personal account is calculated by dividing the amount stored in my account by the number of months calculated. The amount of personal account storage is included with the payment of the insured, and it is calculated at 8% of the payment base. In other words, the insured person's payment period increases, and the total amount of his personal account will also increase accordingly. Therefore, the calculation of pension follows the principle of paying more and getting more. The insured can only receive a monthly pension after reaching retirement age and paying the old-age insurance premium for 15 years. This is only the minimum payment period, which does not mean that they have already paid the old-age insurance premium 15 years and need not pay it again. The insured shall, in principle, pay the fee until retirement. The basic medical insurance premium of pay-as-you-go system is paid by both the employer and the employee, of which the employer pays 8% and the individual pays 2%. Medical expenses that meet the requirements above the minimum threshold of basic medical insurance and below the maximum payment limit, among which individuals should also bear a certain proportion of expenses according to regulations. At the same time, medical insurance is a "pay-as-you-go" system, that is, the money in the current period is used to see the illness in the current period, which requires the balance of funds in the current period, especially the overall fund, which is used for mutual assistance. Of course, those who participate in the current period should enjoy the treatment, and those who do not participate in the current period cannot enjoy the treatment, otherwise the interests of all insured people will be harmed. Back to real life, how do we use the medical insurance card to see a doctor? Insured persons must carry social security cards to designated medical institutions for medical treatment. When registering, show the social security card to the staff, pay the fees paid by individuals and at their own expense, and hold the bills issued by the hospital. Show your social security card when you see a doctor. When taking medicine and paying fees, the social security card and payment documents will be handed over to the settlement personnel to pay personal and self-funded expenses. Medical insurance can be renewed if it is interrupted. Previously, the period for soliciting public opinions on the Measures of Shenzhen Municipality on Social Medical Insurance (Revised Draft) had expired. "The medical insurance was interrupted for more than three months, and the number of years of continuous participation was recalculated", which was interpreted by many people as the interruption of medical insurance for three months and was "cleared", which aroused public concern. Shenzhen Social Security Bureau has also made it clear that the relevant regulations have not been revised, and personal accounts will not be cleared after the interruption of insurance, but the maximum payment limit is lower than that of those who have been insured for a long time. The medical insurance model in Beijing is different from that in Shenzhen. According to Beijing regulations, those who have worked for 25 years and women have paid the basic medical insurance premium for 20 years can go through retirement procedures in accordance with state regulations, and those who receive the basic pension or retirement fee on a monthly basis can enjoy the medical insurance benefits for retirees. Beijing allows the interruption of medical insurance payment period, which only needs to be calculated according to the accumulated payment period. There is no problem of "clearing" after interruption. At the same time, medical insurance benefits do not need to be accumulated for a certain number of years to enjoy, as long as the insurance payment can enjoy medical insurance benefits. There is only one exception. According to the Beijing Social Security Center, if the medical insurance payment is interrupted for more than three months, those who are employed in their personal capacity and participate in basic medical insurance need to re-register and pay for six months in a row before they can continue to enjoy medical insurance benefits. Serious illness medical insurance "subsection calculation and cumulative payment" is aimed at serious illness medical insurance matters of public concern. According to the China Economic Net reporter's access to relevant information, policies vary from place to place. Take Beijing as an example. In April this year, the Notice on Doing a Good Job in Urban Residents' Serious Illness Insurance issued by Beijing Municipal Bureau of Human Resources and Social Security clearly stated that seriously ill patients participating in Beijing's urban residents' medical insurance will be able to reimburse their own medical expenses for the second time. It includes six items, such as the personal burden beyond the reimbursement ratio, the medical expenses below the deductible line and above the capping line, and the expenses that should be borne in advance by Class B in the catalogue of drug diagnosis and treatment projects. The "Notice" clarifies the proportion of reimbursement for serious illness insurance, and the reimbursement is designed according to the principle of "not capping the top" and "calculation by sections and cumulative payment". If the medical expenses paid by individuals above Qifubiaozhun (excluding) are within 50,000 yuan (including), 50% will be paid by the serious illness insurance fund, and 60% will be paid by the serious illness insurance fund if the medical expenses paid by individuals are above 50,000 yuan (excluding). Critical illness insurance is settled once a year in medical insurance. According to the reporter of China Economic Net, Nanjing will adjust the financing standard of basic medical insurance for urban residents, outpatient treatment and other related benefits on 20 15. From 20 15 1, the outpatient reimbursement expenses for "elderly residents" and "other residents" were adjusted from 200-800 yuan to 200-900 yuan. The scope of serious diseases in outpatient clinics has also expanded. The outpatient anti-rejection treatment after renal transplantation is extended to the outpatient anti-rejection treatment after organ transplantation, and it is paid according to the current outpatient treatment for serious diseases. Attachment: Social Security Calculation Method If social security contributions are calculated, the following steps are required: 1. You should know that the average social wage (referring to the average social wage in your city in the last year) is published by the Social Security Bureau every year and can be found online. 2. Monthly social wage = last year's social wage/123, endowment insurance payment base = monthly social wage * selected gear (40%, 60%, 100%)4. Pension insurance payment = pension insurance payment base *0.25, unemployment insurance payment = pension insurance payment * 0.00.