20 17 retiree medical insurance payment policies are as follows
According to the current policy, the medical insurance payment period of male insured personnel should reach 25 years, and the female insured personnel should reach 20 years before they can enjoy medical insurance benefits after retirement. After retirement, you can pay it back according to the average social salary of the previous year. The payment standard is the average social wage in the last year of retirement year * the proportion of medical payment in that year * the number of months. Example: Lao Zhang, male, retired in February on 2014,65438, and paid medical insurance for 2 1 year. According to the regulations, he still needs to fill in four years. Payment: the average social wage of last year was 3,557 yuan, and the medical insurance payment standard for 20 14 years was 65,438+.
The specific process of paying back the medical insurance for retired employees is as follows: the insured enterprises fill in the Application Form for Determining the Payment Period and Paying Back the Basic Medical Insurance Fee for Employees in jimo city, the Approval Form for Retirement of Employees in Qingdao and the Audit Form for Retirement Files of Employees, and go to the social security office window of the Civil Affairs Hall to handle it. The retirement of each social security center is handled by the social security center. Consultation telephone number for payment of medical insurance for retired workers: 885299 1 1.
Retiree medical insurance policy
Retirees participate in the basic medical insurance for urban workers, and individuals do not pay the basic medical insurance premium. The original intention of the system is that social medical insurance should reflect mutual assistance and economic benefits. Retired workers are generally ill, but their income after retirement is low and their medical burden is heavy. Considering that retirees have contributed to society during their previous work, there is no need to pay fees. At the same time, this design can also balance the burden of enterprises and provide fair competition opportunities for enterprises.
Why should the policy be adjusted?
1. The rapid increase of medical expenses brought by the aging population in China, the downward trend of young people and the decrease of contributors to the medical insurance fund will all lead to a significant decline in the inflow of the whole fund pool and a substantial increase in expenditure. At the same time, because retirees don't pay, the medical insurance for urban workers in China is not a complete pay-as-you-go system, but has a certain accumulation of rights and interests. With the rapid growth of the number of retirees, the withdrawal of their accumulated rights and interests will increase at a very high speed.
2. The problem of unreasonable increase of medical expenses has a long history. From 199 1 to 20 13, the average annual growth rate of per capita medical expenses in China is 17.49%, and the payment pressure of medical insurance fund is increasing.
3. The biggest reform dividend of medical insurance payment for employees and retirees will lie in the improvement of overall planning level, and the problem of medical insurance transfer and connection will be solved.
Faced with four problems:
First, the social insurance law stipulates that retired workers do not pay fees, and it takes time to solve legal obstacles.
Second, judging from the existing policies in various places, the minimum payment period of employees' basic medical insurance varies greatly, ranging from 5 to 35 years. How to adopt a unified and appropriate extension of the payment period and realize the fairness of everyone's payment obligation has become a very important issue.
Third, the medical insurance payment of employees during their employment belongs to the accumulation of rights and interests. If employees continue to pay after retirement, the medical insurance rate should be lowered appropriately.
Fourth, unlike the basic medical insurance for employees, the basic medical insurance for residents pays for life, and the payment level is relatively low. Plus financial subsidies at all levels, it will cost hundreds of dollars a year. In contrast, employees' medical insurance contributions may be as high as several thousand yuan per year, but the difference between the two systems is not so great.