First, can't the old-age insurance really be paid?
The endowment insurance mentioned here cannot be paid, and it is not completely stopped. After all, by the third quarter of this year, according to Ministry of Human Resources and Social Security's work progress report, the number of people participating in the basic old-age insurance in China has reached 1 100 million. It is impossible for the endowment insurance fund to promote everyone's participation and increase income without paying fees. So why is there such a statement? I think there are two reasons:
First, the endowment insurance is deferred. This year, for small and medium-sized enterprises that are greatly affected by the epidemic and have difficulties in production and operation, we will implement three policies of deferred payment of social security fees: pension, work injury and unemployment. The term will be 65438+the end of February 2022. Shenzhen also requires flexible employees and those who participate in employee pension insurance in their personal capacity to voluntarily apply for deferred payment of social security fees before 65438+February 3 1. Although they are not paid for the time being, strictly speaking, they are deferred payment, not inability to pay. In Funan County, Anhui Province, the payment time of residents' old-age insurance is as of June 65438+February 3 1 this year, so even if the payment is postponed, we should pay attention to the time limit.
Secondly, due to the system upgrade, many places have suspended accepting the payment of endowment insurance premiums. Heilongjiang will integrate the business system for handling residents' pension insurance, and at the same time suspend handling and receiving residents' pension insurance. From February 8, 2022 to February 5, 2023, and resumed at 8: 30 on October 6, 2023/kloc-0. Yunlong County, Yunnan Province needs to upgrade the system, and the time is from
From 00: 00 on June 5438 +00: 00 on February 65438 to 08: 00 on February 65438 +08: 00 on February 65438, the business will be closed during this period, and the business will be closed for employees' pension insurance, residents' pension insurance, industrial injury insurance, occupational annuity and other social insurance businesses in enterprises and institutions. The range of suspension in different regions is different, depending on which one you are participating in, but you can pay the fee after recovery. Besides, it's only 65438+February, and there are still several days left. If you don't want to wait, do it as soon as possible. However, at present, not everyone has to suspend payment, and retirees have begun to receive pensions and do not need to pay. Insured people in other areas need to see the local system switch.
Second, how to distinguish whether it is the deadline for payment? Will you lose money?
Many people understand that social security is not paid within the specified time. In fact, this understanding is very one-sided, which belongs to the deferred payment stipulated by the policy and the suspension of business due to social security institutions. If you can't pay at the specified time, it is not considered as the payment deadline. If Heilongjiang is unable to handle the residents' old-age insurance business due to the system upgrade, it can be repaid after the system is restored on June 65438+1October 65438+June 6, 2023. The endowment insurance can be extended to 65438+ February this year, and it is also clear in the document that if it is paid in place before June 2023, there will be no late payment fee.
However, there are also different groups. For example, although the system can be repaid after upgrading, not everyone can. Yunlong county, for example, emphasized that flexible employees who have participated in this year's employee pension insurance need to pay before 65438+February 10, and those who have not paid must be handled.
3. What pitfalls need to be avoided during the suspension of business?
Don't go online or offline to find an intermediary to pay for you because you can't pay for the business temporarily, because the intermediary will eventually handle it in the social security agency, and it is impossible to handle the business across institutions during the system suspension. Even if you pay the money, you have to wait until the system of the social security agency is restored before the intermediary can help you run the social security agency. The result is the same, so do it yourself. Moreover, it is illegal to pay social security to employees through intermediaries, because it is necessary to forge employment certification materials. According to the provisions of Article 88 of the Social Insurance Law, if the social insurance benefits are defrauded by fraud, forged certification materials or other means, the social insurance administrative department shall order it to return the defrauded social insurance benefits and impose a fine of not less than two times but not more than five times the amount defrauded. This means that even if you retire, you will not get a pension, and you will be refunded and fined if you get it. Therefore, don't find an intermediary to pay in violation of regulations. Individuals who are insured and have the ability to pay 20% old-age insurance can be insured as flexible employees. It is reasonable and legal to apply for a pension in the future.