The answers to these hot issues are here
Villain I 2020-11-27 04:48:33

Every time the social security is paid in full 5 year /10 year /20 year , The pension goes into the first gear ? As long as the social security fee of on-the-job employees is fully paid 15 year , There's no need to pay again ?“ Personal insurance ” Than “ Unit insured ” Less pension ? Endowment insurance is broken 3 Months , Is the money in front still useful ? Actually , These statements are all incorrect . Let's see the authoritative answers from the Municipal Bureau of human resources and social security ! See ↓

Q

Every time the social security is paid in full 5 year /10 year /20 year , The pension goes into the first gear ?

A

There's no pension “N Annual filing ” That's what I'm saying , Every month counts as a month . The level of pension insurance benefits of urban workers is determined by the number of years of individual payment ( Contain be regarded as expend fixed number of year )、 When retiring, the average monthly salary of employees in this city in the previous year 、 Payment base 、 The accumulated principal and interest savings of individual account 、 The comprehensive calculation of the number of months of pension payment and other elements . so to speak , The pension level of enterprise employees after retirement is “ One thousand thousand ”, There is no fixed grade .

Q

As long as the social security fee of on-the-job employees is fully paid 15 year , There's no need to pay again ?

A

For the working staff , according to 《 Social insurance law 》 Regulations :“ Employees should take part in basic endowment insurance , By unit of choose and employ persons and worker pay basic endowment insurance premium jointly .” in other words , Even before retirement, the accumulated contributions are full 15 year , As long as there is a labor employment relationship between employees and the unit , You should pay for it . and , Pension insurance follows “ Pay much more 、 Long to pay more ” Principles , Pay expends fixed number of year longer , The higher the level of payment , The higher the pension you get in the future . So , It is very necessary to continue to pay .

For flexible employees ,《 Social insurance law 》 It is clear that flexible employees can participate in the basic endowment insurance for urban employees , The basic endowment insurance premium shall be paid by the individual . in other words , Before reaching the statutory retirement age , The accumulated payment of endowment insurance is full 15 Year of , Whether or not to continue to pay depends mainly on personal will .

Q

“ Personal insurance ” Than “ Unit insured ” Less pension ?

A

Some flexible employees use “ Personal insurance ” The way to pay endowment insurance , hear “ Personal insurance ” Than “ Unit insured ” Get less pension and worry about it . You don't have to worry about it , That's not true ,“ Personal insurance ” And “ Unit insured ” At retirement, the pension is calculated and distributed in the same way . In the case of the same payment base and other factors , non-existent “ Unit insured ” Than “ Personal insurance ” The old-age pension is more . The level of pension insurance benefits of urban workers is determined by the number of years of individual payment ( Contain be regarded as expend fixed number of year )、 When retiring, the average monthly salary of employees in this city in the previous year 、 Payment base 、 The accumulated principal and interest savings of individual account 、 The comprehensive calculation of the number of months of pension payment and other elements . And “ Personal insurance ” or “ Unit insured ” irrelevant .

Q

Endowment insurance is broken 3 Months , Is the money in front still useful ?

A

No matter where you pay , Whether it's intermittent or not , Pension insurance personal account will automatically record the rights and interests of the insured , There is no such thing as “ Zero clearing ”、“ The money paid in front of me will be wasted ” This situation . according to 《 Social insurance law 》 Article 16 provides that : Individuals who participate in basic endowment insurance , When the legal retirement age is reached, the accumulated contribution has been paid for 15 years , Receive a basic pension on a monthly basis . there “ 15 years in total ” It is to point to the accumulative fixed number of years that insurance personnel pays endowment insurance premium according to regulation ( Contain be regarded as expend fixed number of year ). Interruption of payment does not affect the previous payment records , Pension insurance is calculated after .

Information : Municipal Bureau of human resources and social security

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source : Shanghai
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